SISTEM SIMULASI PERHITUNGAN KPR DI PERUM PERUMNAS REGIONAL V BERBASIS WEB

2021 ◽  
Vol 1 (2) ◽  
pp. 33-43
Author(s):  
Dendy Kurniawan ◽  
Dwi Setiawan
Keyword(s):  
Middle Class ◽  
Programming Languages ◽  
Home Ownership ◽  
Simulation System ◽  
Microsoft Excel ◽  
The Public ◽  
Payment Methods ◽  
Regional Area ◽  
Cash Payment ◽  
Public Company

Perum Perumnas is a State-Owned Enterprise (BUMN) in the form of a Public Company (Perum). Perum Perumnas has 7 regional business areas and 1 rusunawa regional area. Perum Perumnas Regional V which is located at Jl. Wilis No. 23 Semarang is engaged in providing housing and settlements for the middle class community. In its business activities, Perumnas sells houses to the public with cash payment methods or through Home Ownership Credit (KPR). The Perumnas Branch can serve every consumer who comes to Perumnas Branch to seek information about the amount of monthly installment payments if the consumer applies the mortgage system with the down payment that the consumer has and the shortfall that must be paid. In carrying out this activity, the Perumnas Branch still uses the Microsoft Excel application.The problem that often arises at this time is the calculation of KPR between Perumnas Semarang Branch I and Perumnas Semarang Branch II which is quite different, making it less effective for companies. Based on this description, the author tries to provide a solution that is able to overcome these problems by designing a website-based mortgage calculation simulation system at Perum Perumnas Regional V with the aim of making it easier for consumers and marketing or sales parties to find information about mortgage calculations.Making this simulation system, the author uses the HTML, CSS, PHP, JavaScript and MySQL programming languages ​​as the database. In its manufacture, this application is adapted to the needs of Perumnas in general.The conclusion that can be drawn is the dissimilarity or difference in filling out the mortgage calculation where the Semarang Branch I and Semarang Branch II when the marketing staff does the mortgage calculation even though they use the same bank Suggestions that can be put forward is to create a mortgage calculation simulation system that can make it easier for consumers to get information about mortgage calculations quickly, efficiently and accurately and can be accessed anywhere and anytime.

Finding a Partner

2021 ◽  
pp. 194-215
Author(s):  
Daniel R. Garodnick
Keyword(s):  
Quality Of Life ◽  
Middle Class ◽  
Public Safety ◽  
Home Ownership ◽  
Board Members ◽  
The Public ◽  
The Future ◽  
Middle Class People

This chapter delves into Adam Rose's eagerness to find ways to make his mark on the quality of life in the community of Stuyvesant Town and show how he could do a better job than the hated Tishman Speyer. It discusses Rose's first three months as the person in charge, including how he increased the public safety force by 12 percent and promised to reduce on-hold times for maintenance requests. It also highlights the appointment of Jim Yasser as the property's managing director and Charles Bagli, who was writing another piece on what would happen next to Stuy town. The chapter discusses Daniel Garodnick's ongoing intention to pursue a home ownership plan, which would include rules to keep the community affordable for middle-class people into the future. It recounts how new board members of the Tenants Association challenged Garodnick on the contents of Bagli's article.

Does Recent Academic Research Support Changes to Audit Reporting Standards?

2016 ◽  
Vol 30 (2) ◽  
pp. 255-275 ◽  
Author(s):  
Jean Bédard ◽  
Paul Coram ◽  
Reza Espahbodi ◽  
Theodore J. Mock
Keyword(s):  
Financial Reporting ◽  
Academic Research ◽  
Financial Statements ◽  
Future Research ◽  
Research Support ◽  
The Public ◽  
Market Participants ◽  
Information Gap ◽  
Public Company ◽  
Reporting Process

SYNOPSIS The Public Company Accounting Oversight Board (PCAOB), the International Auditing and Assurance Standards Board (IAASB), and the U.K. Financial Reporting Council (FRC) have proposed or approved standards that significantly change the independent auditor's report. These initiatives require the auditor to make additional disclosures intended to close the information gap; that is, the gap between the information users desire and the information available through the audited financial statements, other corporate disclosures, and the auditor's report. They are also intended to improve the relevancy of the auditor's report. We augment prior academic research by providing standard setters with an updated synthesis of relevant research. More importantly, we provide an assessment of whether the changes are likely to close the information gap, which is important to financial market participants and other stakeholders in the audit reporting process. Also, we identify areas where there seems to be a lack of sufficient research. These results are of interest to all stakeholders in the audit reporting process, as the changes to the auditor's report are fundamental. Additionally, our summaries of research on the auditor's report highlight where there is limited research or inconsistent results, which will help academics identify important opportunities for future research.

The Development of Auditing Standards at the PCAOB and Related Audit Practitioner Input

2020 ◽  
Author(s):  
L. Tyler Williams ◽  
W. Mark Wilder
Keyword(s):  
Standard Setting ◽  
The Public ◽  
Setting Process ◽  
Public Company ◽  
Auditing Standards ◽  
Audit Standard ◽  
Comment Letters ◽  
Feedback Responses

The Public Company Accounting Oversight Board (PCAOB; Board) maintains that constituent feedback plays an essential and dynamic role in its audit standard-setting process. We examine a major source of constituent feedback, responses to standard-setting questions, using a sample drawn from the original proposals of fourteen PCAOB auditing standards. We find that after receiving comment letter feedback to the standard-setting questions, the Board revises approximately half of its guidance tied to those questions before it finalizes auditing standards-a finding consistent with the Board's assertion that it carefully considers constituent perspectives as it develops new regulation. We also explore the related comment letters of eight professional auditing firms subject to the PCAOB's annual inspection program and discover varying levels of opposition to and support for the PCAOB's proposed authoritative guidance. We observe PCAOB revision to authoritative guidance highly contested by the firms in more than three-fourths of cases of standard-setting questions and PCAOB non-revision to guidance highly supported by the firms in more than ninety percent of cases.

The public's view of public health in mid-Victorian Britain

Urban History ◽  
1994 ◽  
Vol 21 (2) ◽  
pp. 237-250 ◽  
Author(s):  
Michael Sigsworth ◽  
Michael Worboys
Keyword(s):  
Public Health ◽  
Middle Class ◽  
Working Class ◽  
Health Reform ◽  
Great Majority ◽  
Personal Hygiene ◽  
The Public ◽  
Victorian Britain ◽  
Physical Conditions ◽  
Public Health Reform

What did the public think about public health reform in mid-Victorian Britain? Historians have had a lot to say about the sanitary mentality and actions of the middle class, yet have been strangely silent about the ideas and behaviour of the working class, who were the great majority of the public and the group whose health was mainly in question. Perhaps there is nothing to say. The working class were commonly referred to as ‘the Great Unwashed’, purportedly ignorant and indifferent on matters of personal hygiene, environmental sanitation and hence health. Indeed, the writings of reformers imply that the working class simply did not have a sanitary mentality. However, the views of sanitary campaigners should not be taken at face value. Often propaganda and always one class's perception of another, in the context of the social apartheid in Britain's cities in the mid-nineteenth century, sanitary campaigners' views probably reveal more about middle-class anxieties than the actual social and physical conditions of the poor. None the less many historians still use such material to portray working-class life, but few have gone on to ask how public health reform was seen and experienced ‘from below’. Historians of public health have tended to portray the urban working class as passive victims who were rescued by enlightened middle-class reformers. This seems to be borne out at the political level where, unlike with other popular movements of the 1840s and after, there is little evidence of working-class participation in, or support for, the public health movement.

scholarly journals Measuring the Range Application of Internal Marketing for HRM Philosophy in the Public Company for Electrical and Electronic Industries

2019 ◽  
Vol 25 (116) ◽  
pp. 111-126
Author(s):  
Haider Fadhel Kadhem ◽  
Alaulddin B Jawad
Keyword(s):  
Research Paper ◽  
Internal Marketing ◽  
Internal Communication ◽  
Company Performance ◽  
Check List ◽  
Main Hypothesis ◽  
The Public ◽  
Public Company ◽  
List Method ◽  
Organization Framework

The reason behind choosing this topic " internal marketing (IM) of human resource management (HRM)" is to highlight the advantages of using IM in the organization framework. The problem of the research paper lies in not paying enough attention to employees genuine needs as they interact with each other in the sake of organization prosper. This research paper can be used as indictor to expose the weaknesses that the organization encounters daily. The current research paper attempts at examining the possibility of developing philosophy of internal marketing of human resources and its most practices, empowering staff, training courses, motivations and recognitions, and within departments communication, in order to reach targeted results such as performance, knowledge, and quality. That can be done through getting rid of processes that do not create value for the final product presented in the General Company for Electrical and Electronic Industries in Iraq. The main hypothesis of the research is to investigate whether the General Company for Electrical and Electronic Industries in Iraq applies IM as one of the significant approach to boost and alter employees' performance and attitudes in order to increase organizational commitment. The research in order to reach its target relied on the “check list” method, which is one of the case study methods that rely on personal observation and interviews mainly in its preparation. The “check list” involved different levels of management, directors, executives, and employees who work at General Company for Electrical and Electronic Industries in Iraq. The study reached a number of conclusions.  The most important one is dissemination of culture and principles of IM of HRM within all units of the company. The benefits of this system lead to improve the overall company performance. Organizations should be more flexible in administrative decisions by opening diverse communication channels at all levels of management, viewing employees’ suggestions and listening to their complaints, and involving them in the decision-making process as a part of principles of internal communication.

scholarly journals In Visible Families: Gay Fatherhood and the Politics of Family Change

2019 ◽  
Author(s):  
Megan Carroll
Keyword(s):  
Social Movements ◽  
Middle Class ◽  
Community Settings ◽  
The Public ◽  
Gay Fathers ◽  
Gay Parents ◽  
White Middle Class ◽  
The Media ◽  
Family Inequality ◽  
Public Imagination

Who counts as a gay father? The answer to this question reaches beyond demographics, encompassing histories of family inequality, LGBTQ identity, and social movements. Presentations of gay fathers in the media and scholarship are often skewed toward white, middle-class, coupled men who became parents via adoption or surrogacy. Yet the demographic majority of gay parents continue to have children in heterosexual unions. My dissertation research uses ethnographic and interview data to argue that contemporary narratives of gay fatherhood have prematurely dismissed gay parents who have children in heterosexual unions. The choice to exclude gay fathers via heterosexual unions can be attributed to emerging narratives of LGBTQ identity and political strategies of the marriage equality movement. The consequences of gay fathers’ disproportionate visibility have led to a stratified system of access to gay parenting resources. By identifying the mechanisms that undermine gay fathers’ diversity in the public imagination and in gay parenting community settings, my dissertation amplifies the voices of marginalized gay fathers and offers an intersectional approach to the study of LGBTQ families through a social movements framework.

scholarly journals Herpetofauna Distribution and Ecology in East Kutai District, East Kutai, East Kalimantan

2020 ◽  
Vol 5 (8) ◽  
pp. 279-284
Author(s):  
Sus Trimurti ◽  
Andi Sarina ◽  
Lariman .
Keyword(s):  
Diversity Index ◽  
Environmental Parameters ◽  
Microsoft Excel ◽  
Field Orientation ◽  
The Public ◽  
East Kalimantan ◽  
Recorded Data ◽  
Distribution And Ecology ◽  
Index Value ◽  
Number Of Individuals

Herpetofauna consisting of reptiles and amphibians is a group of fauna whose biodiversity potential is rarely known and is not well known by the public. The purpose of this study was to determine the distribution, ecology and diversity of herpetofauna in Mesangat Wetlands. The method used in this research is the Visual Encounter Survey (VES) search method by searching directly for the type of herpetofauna around the predetermined pathway. Field orientation is carried out to determine the location of the observation, the location of the observation is divided into 3 locations (Mesangat Hilir, Tengah and Hulu) in one observation location there are 5 stations (lanes) for herpetofauna observation. Observations were made in the morning starting at 09.00 - 12.00 WITA and at night starting at 20.00 - 23.00 WITA. Recorded data related to the number of individuals, activities, time found, environmental parameters and measured SVL if possible. Identified species were found using the identification key book Field Frogs of Borneo Inger and Stuebing (2014) and A Field Guide to the Snakes of Borneo Stuebing, Inger and Lardner (2014). The data were analyzed using Microsoft Excel 2010. The results showed that the distribution of herpetofauna in Mesangat Wetlands was fairly evenly distributed and the ecology of Mesangat Wetlands supported for herpetofauna life and the diversity index value obtained was 1.53 which was classified as medium category.

scholarly journals Is The Pcaob a “Heavily Controlled Component” Of The Sec?: An Essential Question In The Constitutional Controversy

2009 ◽  
Vol 71 (3) ◽  
Author(s):  
Donna M. Nagy
Keyword(s):  
Supreme Court ◽  
Separation Of Powers ◽  
Free Enterprise ◽  
Public Companies ◽  
The Public ◽  
Sarbanes Oxley ◽  
Public Company ◽  
Essential Question ◽  
The U.S

The U.S. Supreme Court recently heard oral arguments in Free Enterprise Fund v. Public Company Accounting Oversight Board, described as “the most important separation-of-powers case regarding the President’s appointment and removal powers to reach the courts in the last 20 years.” Established by Congress as the cornerstone of the Sarbanes-Oxley Act of 2002 (“Sarbanes-Oxley” or the “Act”), the Public Company Accounting Oversight Board (the “PCAOB” or the “Board”) was structured as “a strong, independent board to oversee the conduct of the auditors of public companies.” Its principal mission was to prevent the type of auditing failures that contributed to the scandals at Enron, WorldCom, and numerous other public companies in the period leading up to the passage of the Act.

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