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Penyelesaian Wanprestasi Terhadap Perjanjian Kredit di Pt. Bpr Mandiri Jaya Perkasa Pekanbaru
The community needs funds to implement programs to improve the standard of living of the community to meet their needs and for business capital. One of the financial institutions that provide financing is a bank. Banks are financial institutions that are a place for individuals, private business entities, state-owned business entities, and even government institutions to borrow the funds needed through credit activities and various services provided, banks serve financing needs and smooth payment mechanisms for the economic sector. The main problem taken from this research is the factors that cause defaults at PT BPR Mandiri Jaya Perkasa Pekanbaru and how to resolve a default case committed by PT BPR Mandiri Jaya Perkasa Pekanbaru. The method used is observational research, namely by means of a survey conducted by going directly to the field. The data sources used in this research are primary data and secondary data. And the nature of the research is descriptive analysis. Keywords: Financial Institutions, Default As a result of the research, the factors that cause default at PT BPR Mandiri Jaya Perkasa Pekanbaru are internal factors caused by the credit itself such as less thorough credit analysis and poor procedures. As for external factors caused by the negligence of the debtor/customer itself such as misuse of borrowed funds. Efforts to resolve defaults made by PT BPR Mandiri Jaya Perkasa Pekanbaru include supervising borrowers who have made late credit payments or have not made payments for 1 month. This supervision is carried out by finding out the condition of the borrower. The bank will approach the borrower by giving direction, guidance, and informing the risk that will be obtained by the borrower if the borrower is late in paying installments
Pengaruh Kombinasi Media Tanam Biochar Tongkol Jagung Dan Kitosan Terhadap Pertumbuhan Dan Hasil Tanaman Kucai Allium Tuberosum)dengan Metode Vertikultur Dan Irigasi Tetes
Penelitian yang telah dilaksanakan dengan tujuan untuk mengetahui pengaruh interaksi dan pengaruh utama Kombinasi Media Tanam Bicohar Tongkol Jagung Dan Kitosan Terhadap Pertumbuhan Dan Hasil Tanaman Kucai (Allium tuberosum) Dengan Metode Vertikultur Dan Irigasi Tetes. Penelitian ini telah dilaksanakan di Rumah Kaca Fakultas Pertanian Universitas Islam Riau, Pekanbaru dalam waktu 3 bulan terhitung dari Juni sampai Agustus 2024. Penelitian ini menggunakan Rancangan Acak Lengkap (RAL) dengan 2 faktor. Faktor pertama adalah kombinasi media tanam biochar tongkol jagung dengan 4 taraf perlakuan yaitu PMK 1.500 g, PMK 1.200 g + Biochar 300 g, PMK 900 g + Biochar 600 g, PMK 600 g + Biochar 900 g. Faktor kedua dosis kitosan terdiri dari 4 taraf perlakuan 0, 4, 8 dan 12 g/media tanam. Parameter yang diamati yaitu tinggi tanaman, jumlah daun per rumpun, berat basah per rumpun, dan volume akar. Data pengamatan dianalisis secara statistik dan dilakukan dengan Uji Lanjut Beda Nyata Jujur (BNJ) pada taraf 5%. Hasil penelitian menunjukkan secara interaksi kombinasi media tanam bicohar tongkol jagung dan kitosan berpengaruh nyata terhadap semua parameter pengamatan. Perlakuan terbaik adalah pada kombinasi media tanam PMK 600 g + biochar tongkol jagung 900 g dan kitosan 12 g/media tanam. Perlakuan utama kombinasi media tanam PMK + biochar tongkol jagung bepengaruhnya terhadap semua parameter pengamatan. Perlakuan terbaik yaitu kombinasi media tanam PMK 600 g + biochar tongkol jagung 900 g. Perlakuan utama kitosan berpengaruhnya terhadap semua parameter pengamatan. Perlakuan terbaik yaitu 12 g/media tanam
Implementasi Disiplin Aparatur Sipil Negara Dalam Lingkup Perangkat Daerah Berdasarkan Peraturan Pemerintah Republik Indonesia Nomor 94 Tahun 2021 Tentang Disiplin Pegawai Negeri Sipil (studi Di Kantor Camat Rokan Iv Koto Kabupaten Rokan Hulu)
Discipline in the State Civil Apparatus (ASN) is one of the important aspects in creating a professional and quality government. ASN discipline functions as a pillar to encourage optimal performance, improve public services, and maintain integrity and work ethics. The law governing civil servant discipline is Government Regulation of the Republic of Indonesia Number 94 of 2021 concerning Civil Servant Discipline. This regulation aims to provide clear guidelines regarding the obligations, prohibitions, rights, and sanctions applied to ASN who violate applicable provisions. However, the implementation and application of ASN discipline in the scope of regional apparatuses, especially in the Rokan IV Koto District Office, Rokan Hulu Regency, is still a problem that needs further research. The main problem in this study that will be discussed is how the implementation of State Civil Apparatus discipline and the application of State Civil Apparatus disciplinary sanctions within the scope of regional apparatus organizations based on Government Regulation of the Republic of Indonesia Number 94 of 2021 concerning Civil Servant Discipline at the Rokan IV Koto District Office, Rokan Hulu Regency. so that the purpose of this study is to find out the results of the formulation of the problems in this study. This study uses an empirical method with a qualitative approach, involving interviews with the subdistrict head, head of general and personnel sub-sections of the Rokan IV Koto Sub-district Office, which aims to describe and explain the situation in the field related to the implementation of discipline and the application of ASN disciplinary sanctions. The results of the study indicate that the implementation of ASN discipline at the Rokan IV Koto Sub-district Office has been carried out with reference to Government Regulation Number 94 of 2021. However, it still faces a number of obstacles. One of the main problems is the varying understanding of ASN regarding the applicable disciplinary regulations. In addition, internal supervision of ASN discipline still needs to be improved, considering that the supervision carried out by direct superiors is sometimes not optimal. Several violations that occur, both minor, moderate and serious, are not always responded to quickly and appropriately by superiors or authorities. This study aims to dig deeper into the implementation of ASN discipline and the application of disciplinary sanctions based on Government Regulation Number 94 of 2021. Furthermore, to ensure that ASN discipline runs well, it is necessary to develop a more efficient administration system in recording and evaluating the implementation of discipline, so that each violation can be recorded and responded to quickly. More intensive evaluation and monitoring will help to improve existing weaknesses and strengthen the culture of discipline in the ASN environment
Pengaruh Sekam Padi Dan Pupuk Npk 16 16 16 Terhadap Pertumbuhan Okra Merah ( Abelmoschus Esculentus L. Moench )
Research with the title “Effect of Rice Husk and NPK 16:16:16 Fertiliser on Growth and Production of Red Okra (Abelmoschus esculentus L. Moench)” has been carried out at the Experimental Garden of the Faculty of Agriculture, Riau Islamic University, from June to September 2024. This study aims to determine the effect of rice husk and NPK 16:16:16 on the growth and production of red okra plants. This study used a completely randomised design with 2 factors. The first factor is rice husk consists of 4 levels namely 0, 250, 500, 750 g per plot and the second factor is the dose of NPK 16:16:16 consists of 4 levels namely 0, 5, 10, 15 g per plant so that there are 16 treatment combinations with 3 replications. Parameters observed were plant height, flowering age, harvest age, number of fruits per plant, fruit weight per plant, fruit weight per fruit, and the number of remaining fruits. Data were analysed statistically and followed by (BNJ) at 5%. Based on the results of the research that has been done, it can be concluded that the interaction of rice husk and NPK 16:16:16 significantly affects the parameters of plant height, number of fruits per plant, fruit weight per plant, fruit weight per fruit, and the number of remaining fruits, and has no significant effect on the parameters of flowering age and harvest age. The best treatment combination was found in the S3N3 treatment, namely rice husk at a dose of 750 g per plot and NPK 16:16:16 fertiliser at a dose of 15 g per plant. The main effect of rice husk was significant on all parameters. The best treatment is rice husk with a dose of 750 g per plot. The main effect of NPK 16:16:16 was significant on all parameters observed. The best treatment was Pearl NPK 16:16:16 at a dose of 15 g per plant
Agroindustri Danpemasaran Keripikpisang Gosong Di Desa Teratak Kecamatan Sei Balai Kabupaten Batu Bara Provinsi Sumatera Utara
Agroindustry and Marketing of Keripik Pisang Gosong in Teratak Village, Sei Balai District, Batu Bara Regency, North Sumatra Province under the Guidance of Mr. Heriyanto, SP., M.Si The agricultural sector is a source of raw material media in the agro-processing industry for employment as well as utilizing market opportunities for burnt banana chips. This study aims to analyze: 1) business characteristics and profile; 2) agro-industry of burnt banana chips; 3) marketing of burnt banana chips. This research was conducted in Teratak Village, Sei Balai District, Batu Bara Regency from February to July 2024. The method used was the census method. To answer the objectives of this study, it was analyzed by descriptive analysis and hayami method. First, the average age of entrepreneurs is 49 years old or at a productive age. Duration of education 7 years, 7 years of business experience. The number of family dependents is 4 people. The number of family members is 2 people. The average trader is 38 years old, 12 years of education, 6 years of business experience, 3 family members, and 1 family dependent. The profile of the burnt banana chips business is a household-scale business with capital derived from own capital. Both agro-industrial businesses use raw materials with an average of 112 combs/process, supporting materials used cooking oil, butter, as well as other input contributions of packaging plastic, cardboard. Technology still uses traditional technology such as slicing knives to slice bananas, then stoves for frying. Production costs incurred were IDR 713,227 per production process with the production of 31.11 kg of burnt banana chips. Gross income of IDR 995,520 / production process, net income of burnt banana chips production of IDR 282,293 / production process. The average contribution of housewife income to family income reached 28.66%. The amount of Return Cost of Ratio (RCR) in the business of burnt banana chips amounted to 1.40%. The value added of burnt banana chips is Rp 2,693/kg and the profit from banana fruit processing is Rp 2,255/kg. Third, the marketing margin in marketing channel I obtained by entrepreneurs amounted to Rp 10,008 / Kg, the marketing cost was Rp 643 / Kg, the marketing efficiency was 2.01% and the Farmer's share was 45%. While marketing channel II total marketing costs of Rp 1,157 / Kg, marketing efficiency of 2.31%, for marketing margins of Rp 27,303 / Kg and Farmer's share of 69%, so the most efficient channel is channel I because the efficiency is lower than marketing channel II and Farmer's share is higher marketing channel I than Marketing channel II
Pengaruh Gaya Kepemimpinan Situasional Terhadap Kinerja Karyawan Bagian Produksi Pada Pt. Surya Agrolika Reksa Sei Basau Kecamatan Singingi Hilir Kabupaten Kuantan Singingi
This study aims to determine the effect of Situational Leadership on the Performance of Production Employees at PT. Surya Agrolika Reksa Sei Basau in Singingi Hilir District, Kuantan Singingi Regency. The Independent Variable in this study is Situational Leadership, while the Dependent Variable in the study is Employee Performance. The research method used is a quantitative descriptive method, and the data analysis technique used is descriptive analysis using SPSS26. The data collection used a questionnaire with a research sample of 45 respondents, namely production employees at PT. Surya Agrolika Reksa Sei Basau. The results of the study showed that overall Situational Leadership had a significant effect on the performance of production employees at PT. Surya Agrolika Reksa Sei Basau, Singingi Hilir District, Kuantan Singingi Regency
Studi Kasus Mengenai Tingginya Pelaksanaan Perkawinan Siri Dan Akibat Hukum Terhadap Kedudukan Istri, Anak, Dan Harta Kekayaan Nya Dikecamatan Kubu Babussalam Kabupaten Rokan Hilir
Marriage is a sacred part of life, because it must pay attention to the norms and rules of life in society. With various justifications, marriages are carried out through various models such as running away marriages, contract marriages to marriages that are popular in society, namely unregistered marriages. Unregistered marriages are known by other terms such as 'underhand marriages' or religious marriages, namely marriages that are carried out based on religious rules or customs and are not registered at the marriage registrar's office (KUA). The formulation of the problem in this study is: First, What are the legal consequences of unregistered marriages on the position of wives, children, and their assets in Kubu Babussalam District, Rokan Hilir Regency? Second, What are the factors causing unregistered marriages in Kubu Babussalam District, Rokan Hilir Regency? In this study, the author used a type of sociological legal research or empirical law (Observational Research) namely by going into the field to obtain a number of data. The data and data sources that the author uses are secondary data. The data collection techniques that the author uses are observation, interview, and documentation techniques. Meanwhile, the method of drawing conclusions that the author uses in this study is the deductive method, namely taking conclusions from general to specific things. From the results of the research and discussion that the author found, namely: First, the legal consequences of unregistered marriages on the position of wives, children, and their assets in Kubu Babussalam District, Rokan Hilir. Unregistered marriages have many negative impacts on wives, children, and their assets, these negative impacts are the legal power to recognize as a legitimate wife and child does not exist, demanding rights as a wife and child cannot be because there is no evidence in the form of state documents, wives and children are not entitled to maintenance from their husbands, wives and children are not entitled to joint property, children who are born only have a civil relationship with their mothers while the relationship with their father is not strong. Second, the factors that cause unregistered marriages are: not being old enough and getting pregnant outside of marriage, the desire to practice polygamy, couples do not know and do not want to know about legal procedures, economic factors, namely the inability of the community to pay for costs and take care of complicated administrative requirements
Pengaruh Kepuasan Kerja Dan Disiplin Kerja Terhadap Kinerja Karyawan Pada Pabrik Kelapa Sawit (pks) Pt Inecda Plantation Desa Petala Bumi Kec. Seberida Kab. Indragiri Hulu
THE EFFECT OF JOB SATISFACTION AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE AT THE PALM OIL FACTORY (PKS) PT INECDA PLANTATION PETALA BUMI VILLAGE, SEBERIDA DISTRICT, INDRAGIRI HULU REGENCY This study aims to determine the effect of job satisfaction and work discipline on employee performance at the palm oil mill (PKS) PT. Inecda Plantation, Petala Bumi Village, Seberida District, Indragiri Hulu Regency. The population in this study was 110 employees with a sample in this study of 86 respondents using the purposive sampling method. The types and sources of data are primary and secondary data, while the data collection technique uses interviews, questionnaires and documentation. The data analysis technique used in this study is multiple linear regression testing with the help of SPSS 26 Software. The results of this study indicate that job satisfaction and work discipline have a positive and significant effect on employee performance at the palm oil mill (PKS) PT. Inecda Plantation, Petala Bumi Village, Seberida District, Indragiri Hulu Regency
Pelaksanaan Pemungutan Pajak Hotel Menggunakan Tapping Box Pada Badan Pendapatan Daerah Kota Pekanbaru
Implementation is the process of carrying out or applying a policy, plan, or program that has been previously designed. This study aims to discuss the implementation of hotel tax collection using tapping boxes at the Regional Revenue Agency (Bapenda) of Pekanbaru City. The use of tapping boxes is a government effort to enhance transparency and accuracy in recording regional taxes, particularly in the hospitality sector. However, in practice, there are several challenges that affect the effectiveness of this system.The research employs a mixed methods approach as proposed by Creswell, combining quantitative methods targeted at hotels in the city of Pekanbaru and qualitative methods aimed at the Regional Revenue Agency to gain a deeper understanding of the obstacles and factors influencing the success of tapping box implementation.The results of the study indicate that most hotels have utilized tapping boxes in accordance with applicable regulations and are categorized as “Fairly Implemented.” This is because the device automatically records each transaction, enabling comparisons between the taxpayer's reports and the actual recorded data. This enhances the accuracy of transaction records through a real-time recording system, which facilitates Bapenda in increasing the region’s own-source revenue (PAD) of Pekanbaru City.However, the implementation of tapping boxes has not been evenly distributed across all hotels in Pekanbaru due to several obstacles, including lack of socialization, insufficient enforcement of sanctions, vulnerability to network issues, limited availability of devices, and the absence of standard operating procedures (SOPs) related to tapping boxes
Analisis Semiotika Makna Perpisahan Pada Lirik Lagu K-pop “graduation” Nct Dream (semiotika Ferdinand De Saussure)
This boy band managed to achieve success in the international arena. NCT Dream made the song "Graduation" as a form of farewell to the graduation system they had experienced. Lyrics are not just a series of words, but contain symbols, hidden meanings and emotional messages that are interpreted deeply. This research aims to reveal the meaning of farewell contained in the lyrics of the song "Graduation" by NCT Dream through Ferdinand de Saussure's semiotic approach. By using the basic concept of markers and markers. This research method was applied with descriptive qualitative analysis. The results of this study are found that the lyrics of NCT Dream's k-pop song "Graduation" reveal separation as a form of journey from life, the promise will always be in the memory, a form of hope and optimism to step into the future, and shape one's emotions to become more mature