The empowerment strategy of Dangke microscale business management in Enrekang Regency, South Sulawesi, Indonesia

An empowerment strategy is a way to organize manpower, funds, power and equipments in helping individuals, groups and communities to grow. This study used a qualitative method in which the informants were 10 Dangke business actors in Cendana District, Enrekang Regency. The results showed that the strategy of empowering the Dangke micro-scale business manager contributes in improving the management of Dangke micro-scale business. It can be seen from the aspects of marketing volume, labor, increased income, and the breadth of the market.

Spatial and Temporal Dilemmas of Managers and Entrepreneurs. The Reconstruction of Neutralization Techniques

It is often assumed (in line with social expectations) that being a business manager and/or owner implies the feeling of omnipotence. Not only do organizational leaders run businesses, but they are also qualified to do so and are well-organized to physically and mentally cope with their duties. Thus, permanent (external and internal) pressure forces key organizational actors to use self-presentation strategies that meet social expectations. Narratives of organizational leaders show that other aspects of their lives are subdued to the sphere of business activities or are even incorporated by it. One of the most dominant strategies is to present oneself as an inner-directed individual in control of one’s career (a “self-made man” or “self-made woman”). At the same time, such an attitude results in “tensions” between irreconcilable roles or activities undertaken in various spheres of life. These tensions are depicted in the paper. The author shows different types of neutralization techniques used by organizational leaders to overcome or mitigate these tensions. Eleven neutralization practices have been outlined. These techniques have been identified in the course of the nearly decade-long research into spatial and temporal dimensions of careers of managers and entrepreneurs.

Analisis Aqad Muzara’ah dan Musaqah

This journal aims to explain how aqad Muzara’ah and Musaqah, Cooperation in agricultural land has actually existed since long ago until now. However, what is happening now is that the cooperation between them (land owners and tenants) is usually called paroan sawah, where the contract is not written down but only verbally. This often results in losses on the one hand, because there is no evidence. In Islamic banking, the most widely used principles are deliberation and mudaraba, while Muzara’ah and are used specifically for plantation or agricultural financing by several Islamic banks. Muzara’ah has it has from the only the passing, the Italy'ah limited on the plant that were like, rice, ginger, the potato. As for annual crops, the musaqat scheme can be used. Because of the specific nature of this Muzara’ah, most Islamic banks use deliberation or greetings for agricultural business credit. However, in its development, the practice of Muzara’ah tends to be mudaraba (cooperation with a profit sharing system). Technically mudaraba is a business cooperation contract between two parties in which the first party (shahib al maal) provides all the capital, while the other party is called mudharib as the business manager. Profits in mudaraba will be shared by the agreement set forth in the contract. Meanwhile, the loss will be borne by the party making the negligence.

Credit Risk Management in Financial Institution: Comparative Study in Islamic and Conventional Banking

Credit and financing problems at conventional banks and Islamic banks are related to how businesses that have been financed by banks can be run, whether the loan recipient has actually run the business as stated in the contract or the business manager has been denied. The purpose of this study was to determine the differences in Non-Performing Loans in conventional banks and Non-Performing Financing of Islamic banks. Hypothesis testing techniques in this study used the first two choices of independent sample t-test if the data were normally distributed so the classical assumptions were tested first to ensure that the data used by researchers had a normal distribution and if the data were not normally distributed will use the Mann Whitney test to test the difference between Non Performing Loans and Non Performing Financing in Islamic commercial banks and conventional banks.. So the results of this study indicate that there are differences between PT. Bank Mandiri and NPF of PT Bank Syariah Mandiri, or it can be said there is a difference between ratios that indicate the ability of bank management in managing loans or financing problems provided by PT. Bank Mandiri and PT Bank Syariah Mandiri.

Prosedur Pemberian Kredit Kepemilikan Rumah (KPR) PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor Cabang Subang

PT.Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Adalah salah satu bank milik pemerintah yang memiliki tugas/kegiatan menghimpun dana dari masyarakat dan menyalurkan lagi kepada masyarakat dalam berbentuk kredit, serta memberikan pelayanan jasa-jasa lainnya. Salah satu jenis kredit yang diberikan oleh PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk adalah kredit pemilikan rumah (KPR). Berdasarkan kajian ini bahwa prosedur pemberian kredit pemilikan rumah (KPR) pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Terdiri dari : mengajukan surat permohonan kredit, wawancara, memenuhi persyaratan yang belum lengkap, mencari riwayat kredit calon debitur melalui database website Bank Indonesia (BI), verifikasi kunjungan (visit), penandatanganan daftar riwayat kredit beserta berkas aplikasi kredit oleh pihak Account Officer (AO), Bisnis Legal (BL), Cradit Risk (CR), manajer bisnis, pimpinan cabang, melakukan taksansi/ploting laporan pemeriksa akhir, pengecekan atas aspek yuridis atau legal atas dokumen agunan, pencairan dana kredit melalui pihak Hukum Administrai, mengingatkan kembali kepada debitur tentang jatuh tempo pembayaran angsuran kredit. PT.Bank Regional Development of West Java and Banten, Tbk. Is one of the government-owned banks that have the task or activity to raise funds from the community and channel again to the community in the form of credit, and provide other services. One type of credit provided by PT. Regional Development Bank of West Java and Banten, Tbk is a mortgage loan (KPR). Based on the results of the final task of providing homeownership loan (KPR) at PT. Regional Development Bank of West Java and Banten, Tbk. Consists of: submitting loan application letter, interviewing, fulfilling incomplete requirements, seeking credit history of debtor candidate through Bank Indonesia website (BI) website, visit verification, signing of credit history list and credit application file by Account Officer (AO), Legal Business (BL), Cradit Risk (CR), business manager, branch manager, performs taxa

The impact of digital competencies on job candidate suitability

Purpose This paper aims to review the latest management developments across the globe and pinpoint practical implications from cutting-edge research and case studies. Design/methodology/approach This briefing is prepared by an independent writer who adds their own impartial comments and places the articles in context. Findings This research paper concentrates on the digital competencies of graduates applying for economist and business manager roles, and how these are perceived by employers assessing their suitability for a job. Surveying the respondents revealed that, in descending order, the digital competencies of content development, problem solving, security, and communication are sought after by employers during candidate suitability assessment exercises, whereas competency in digital information management isn't universally expected. Originality/value The briefing saves busy executives and researchers hours of reading time by selecting only the very best, most pertinent information and presenting it in a condensed and easy-to-digest format.

KAJIAN TENTANG KEDUDUKAN AGUNAN DALAM AKAD PEMBIAYAAN MUDHARABAH PADA BANK SYARIAH

<p align="center"><strong><em>Abstract</em></strong></p><p><em>The purpose of this research is to examine the position of collateral in the mudharabah financing contract in Islamic banking. The type of research used is normative research with a statute approach and a conceptual approach. The sources of legal material in this study are from primary legal material and secondary legal material. The results of the analysis of this study are that the collateral position in the mudharabah contract in Islamic banking is different from the position of collateral in conventional banking, collateral in conventional banking functions as guarantor of the debts that occur between creditors and debtors. While the function of collateral in the mudharabah agreement on Islamic banking is to ensure the implementation of the mudharabah agreement in accordance with the agreement made in the beginning of the agreement between capital owners and business manager. So, the purpose of collateral in mudharabah contract is to avoid bad moral of business manager and not to return the investment value if there is a loss due to business risk factors.</em></p><p><strong><em>Keywords</em></strong><em>: </em><em>Position; Collateral; Mudharabah; Islamic Bank</em><strong><em></em></strong></p><p align="center"><strong><em>Abstrak</em></strong></p><p><em>Penelitian ini bertujuan untuk mengkaji kedudukan agunan dalam akad pembiayaan mudharabah pada perbankan syariah. Jenis penelitian yang digunakan adalah penelitian normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Sumber bahan hukum dalam penelitian ini adalah dari bahan hukum primer dan bahan hukum sekunder. Hasil analisis dari penelitian ini adalah kedudukan agunan pada akad mudharabah di perbankan syariah berbeda dengan kedudukan agunan pada perbankan konvensional, agunan pada perbankan konvensional berfungsi sebagai penjamin atas utang-piutang yang terjadi antara kreditur dengan debitur. Sedangkan fungsi agunan dalam akad mudharabah pada perbankan syariah adalah untuk menjamin terlaksananya akad mudharabah sesuai dengan kesepakatan yang telah dibuat diawal perjanjian antara shahib al-maal dengan mudharib. Jadi, tujuan agunan dalam akad mudharabah adalah untuk menghindari moral jelek mudharib dan bukan untuk mengembalikan nilai investasi jika terjadi kerugian karena faktor risiko bisnis.</em></p><p><strong><em>Kata kunci: </em></strong><em>Kedudukan; Agunan; Mudharabah; Bank Syariah</em></p>

Premier league dentistry

Tryst Dental's business manager and former football player Linsey Paton explains why dental nurse Jade O'Brien's first-class attitude won her praise – and how pitching in and shared goals make for an award-winning team

Budget Supervision and Mechanism by an Administrative Village in Indonesia

The role of government in budget management is something that must be done adequately based on the principles such as transparency, accountability, participation, and aspiration; because it is closely related to services in the village. The budget management should be conducted based on the applicable regulations. However, there are often found many village apparatus who has a potency to abuse their power in its authorities. This phenomenon, furthermore, causing some polemics among peoples and tends to abandon some regulations which should become a basis of the apparatus policies. The research aims at investigating the mechanism of village development budget management and the control of village development budget management. The mechanism, however, should be started with proper planning, budgeting, implementation, business manager, report, and accountability. Also, management control is must be done through several stages, such as pre supervision, channelization, use, and post channelization.

PENTINGNYA P-IRT DAN IDENTIFIKASI KANDUNGAN AIR DI PANTI ASUHAN SANTA MARIA PASANG SURUT

<pre> </pre><p><strong><em><strong><em>Abstract. </em></strong></em></strong><em><em>The Santa Maria Orphanage seeks to be financially independent by making a food business. The business has been running for two years. The problem is that the manager does not yet understand the importance of Home Industry Food (P-IRT) and the unavailability of clean water at the Santa Maria Orphanage. The main sources of water used in the Orphanage are two rainwater and well water. Well water is only used for bathing and washing purposes because it is thought to have high acid levels. The activities carried out were intended to motivate business owners both the Business Manager of Santa Maria Orphanage (SanMa Business) and their two partners to seek P-IRT certificates and identify the water content used at the Santa Maria Orphanage. Based on the results of the activity feedback it is known that there is an increased understanding of the PIRT. While the results of laboratory analysis show that there are several parameters that exceed the permissible levels, namely smell, taste, color, turbidity and some metal elements.</em></em><em> </em></p><p><strong><em></em></strong><strong>Abstrak. </strong>Panti Asuhan Santa Maria berupaya untuk mandiri secara finansial dengan membuat usaha makanan. Usaha tersebut sudah berjalan dua tahun. Permasalahannya adalah bahwa pengelola belum memahami pentingnya Pangan Industri Rumah Tangga (P-IRT) dan belum tersedianya air bersih di Panti Asuhan Santa Maria. Sumber utama air yang digunakan di Panti Asuhan ada dua yaitu air hujan dan air sumur. Air sumur hanya digunakan untuk keperluan mandi dan mencuci saja karena diduga memiliki kadar asam yang tinggi. Kegiatan yang dilakukan ditujukan untuk memotivasi para pemilik usaha baik Pengelola Usaha Panti Asuhan Santa Maria (Usaha SanMa) maupun dua mitra mereka untuk mengupayakan sertifikat P-IRT dan mengidentifikasi kandungan air yang digunakan di Panti Asuhan Santa Maria. Berdasarkan hasil umpan balik kegiatan diketahui ada peningkatan pemahaman mengenai PIRT. Sedangkan hasil analisis laboratorium menunjukkan bahwa terdapat beberapa parameter yang melebihi kadar yang diperbolehkan yaitu bau, rasa, warna, kekeruhan dan beberapa unsur logam.</p><p><strong>Kata Kunci : Panti Asuhan, P-IRT, Identifikasi Air, Air Bersih</strong></p>