E-Jurnal Universitas Muhammadiyah Palembang
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Pengaruh CAR, LDR, KAP dan NPL terhadap ROA Bank Go Public yang terdaftar di BEI
Get PDFThis study aims to determine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Asset Quality (KAP), and Non Performing Loans (NPL) on Return On Assets (ROA) in Go Public Banking Companies listed in Indonesia Stock Exchange (BEI) 2015-2019. The population used in this study was 37 bank companies listed on the Indonesia Stock Exchange (IDX) before 2015. The data used is obtained from the financial statements of each bank through the official website of the Indonesia Stock Exchange (BEI). The sample selection used a purposive sampling technique through certain criteria in order to obtain a sample of 15 banks. Hypothesis testing uses panel data regression analysis using E-views 10 software. The results of the analysis show that partially, CAR, LDR, and NPL have a positive and insignificant effect on ROA, while KAP has a significant negative effect on ROA. However, simultaneously, CAR, LDR, KAP, and NPL have a significant effect on ROA
Pelaksanaan Perjanjian Modal Usaha Mikro Pada Usaha Ekonomi Kelurahan Simpan Pinjam ( UEK-SP) di Kelurahan Kampung Tengah Kecamatan Sukajadi
Get PDFABTRAKPerjanjian UEK-SP merupakan bentuk perjanjian simpan pinjam yang diberikan melalui kementrian dalam negeri dengan tujuan membantu masyarakat terutama dikelurahan dan desa, peaksanaan simpan pinjam ini dikelola oleh pihak lembaga masyarakat desa atau kelurahan.Pinjaman yang diberikan tanpa agunan. Inilah yang menjadi cikal bakal persoalan hukum, karena pengelolaan yang bersifat kekeluargaan, banyak dana yg bergulir dalam bentuk pinjaman yang tidak bisa dipertanggungjawabkan. Sebagian wilayah ada yang pengelolaannya melalui perbankan dalam bentuk kredit mikro. Kredit mikro inilah yang semakin berkembang dimasyarakat. Hal ini dilakukan oleh pemerintah unuk mencegah kecurangan dalam pengelolaan dana pinjaman.Kata Kunci: Perjanjian, UEK SP ABSTRACT.. This study aimed to The UEK-SP agreement is a form of savings and loan agreement given through the ministry of home affairs with the aim of helping the community, especially in urban and rural areas, this savings and loan operation is managed by the village community institution or kelurahan. The loans are provided without collateral. This is the forerunner of legal problems, because the management is family in nature, a lot of funds are revolving in the form of loans that cannot be accounted for. Some areas are managed through banking in the form of micro credit. This microcredit is growing in the community. This is done by the government to prevent fraud in the management of loan funds.Key Word: Aggrement, UEKS
PELAKSANAAN KONTRAK KERJA KONSTRUKSI SELAMA PANDEMI COVID-19 BERDASARKAN PERSPEKTIF HUKUM INDONESIA
Get PDFAbstrak Penyebaran pandemi Covid-19 telah mengakibatkan beberapa negara mengeluarkan kebijakan lockdown dan/atau Pembatasan Sosial Berskala Besar (PSBB) untuk mengurangi penyebaran Pandemi Covid-19. Kebijakan tersebut pun berdampak besar terhadap sektor jasa konstruksi dimana terdapat banyak proyek konstruksi yang harus ditunda dalam pelaksanaannya akibat pandemi. Force majeure menjadi poin utama dalam pembahasan terhadap kontrak konstruksi di masa pandemi saat ini untuk mempertimbangkan salah satu pihak untuk tidak melaksanakan prestasinya, dengan alasan adanya Pandemi Covid-19 ini merupakan peristiwa yang tidak dapat diperkirakan akan terjadi sebelumnya. Hal ini akan menimbulkan masalah jika klausul force majeure tidak menyebutkan pandemi sebagai peristiwa force majeure dalam kontrak konstruksi. Penelitian ini bertujuan untuk menganalisis apakah Pandemi Covid-19 dapat dikatakan sebagai suatu peristiwa force majeure menurut hukum Indonesia dan bagaimana akibat hukum bagi para pihak dalam pelaksanaan perjanjian konstruksi pada masa Pandemi Covid-19.Kata/Kunci: Kontrak Konstruksi, Covid-19, Hukum Indonesia, Force Majeure AbstractThe spread of Covid-19 pandemic has resulted in several countries issuing policies to lockdown and Large-Scale Social Restriction their countries in order to tackle the spread of the Covid-19 pandemic. Those policies had a major impact on the construction services sectore. Force majeure is the main point of the construction contract during this pandemic era, considering this provision allows one of the contracting parties to hinder from fulfilling its obligations due to Covid-19 pandemic is beyond both parties control. In addition, this will also create another problems if the force majeure clause does not mention a pandemic as a force majeure in a construction contract. This research aims to analyze whether the Covid-19 pandemic can be considered as force majeure from the perspective of Indonesian Law and how the legal consequences for the contracting parties due to Covid-19 pandemic under construction contracts. Keywords: Construction Contract, Covid-19, Indonesian Law, Force Majeur
DISPARITAS DALAM PUTUSAN PENGADILAN NEGERI SEKAYU KELAS II ATAS PERKARA TINDAK PIDANA KEPEMILIKAN SENJATA API RAKITAN
Get PDFAbstrak:Rumusan masalah dalam penelitian ini adalah 1) Apakah dasar pertimbangan hakim adanya disparitas dalam putusan atas perkara tindak pidana kepemilikan senjata api rakitan di Pengadilan Negeri Sekayu Kelas II ?. 2) Faktor apa yang menyebabkan terjadinya disparitas dalam putusan atas perkara tindak pidana kepemilikan senjata api rakitan di Pengadilan Negeri Sekayu Kelas II ?. Metode penelitian yang digunakan adalah penelitian yuridis empiris. Sumber data yang digunakan dalam penelitian ini terdiri dari data primer dan data sekunder. Berdasarkan hasil penelitian menunjukkan bahwa 1) Dasar Pertimbangan Hakim adanya disparitas dalam putusan atas perkara tindak pidana kepemilikan senjata api rakitan di Pengadilan Negeri Sekayu Kelas II meliputi pertama, pertimbangan yuiridis diantaranya dakwaan jaksa penuntut umum, keterangan saksi, keterangan terdakwa. dan pasal-pasal dalam undang-undang yang terkait dan kedua, pertimbangan sosiologis meliputi hal-hal yang meringankan dan memberatkan. Dan ketiga, pertimbangan filosofis dimana putusan yang mencerminkan rasa keadilan, hukuman yang diberikan kepada terdakwa dipandang terlalu rendah dinilai dari dampak dari perbuatan terdakwa, perbuatan terdakwa meresahkan masyarakat; kondisi diri dari terdakwa. 2) Faktor yang menyebabkan terjadinya disparitas dalam putusan atas perkara tindak pidana kepemilikan senjata api rakitan di Pengadilan Negeri Sekayu Kelas II sejalan dengan teori dasar pertimbangan hakim yang meliputi 1) faktor pada undang-undang itu sendiri, dalam hukum Indonesia belum mengatur pedoman bagi hakim untuk mempertimbangkan seluruh aspek, yang ditentukan oleh undang- undang hanyalah maksimum dan minimumnya, 2) faktor penegak hukum yakni semakin rendah tuntutan, maka semakin rendah pula putusan yang diberikan oleh Hakim, 3) faktor masyarakat dalam hal ini terdakwa, dan 4) faktor kebudayaan,, masyarakan masih memperhitungkan besarnya kerugian yang ditimbulkan. Kata Kunci: disparitas, Putusan Pengadilan Negeri, Perkara tindak pidana, kepemilikan sejata api rakitan Abstract:The formulation of the problem in this study is 1) What is the basis for the judge's consideration of the disparity in the decision on the criminal act of possession of homemade firearms in the Sekayu Class II District Court?. 2) What factors caused the disparity in the decision on the criminal case of possession of homemade firearms at the Sekayu Class II District Court?. The research method used is empirical juridical research. Sources of data used in this study consisted of primary data and secondary data. Based on the results of the study, it shows that 1) the Judge's Basis of Disparity in the decision on the criminal act of possession of homemade firearms at the Sekayu Class II District Court includes first, juridical considerations including the indictment of the public prosecutor, witness testimony, and the defendant's statement. and articles in related laws and second, sociological considerations include mitigating and aggravating matters. And third, philosophical considerations where decisions reflect a sense of justice, the punishment given to the defendant is considered too low, judging from the impact of the defendant's actions, the defendant's actions are disturbing the community; condition of the accused. 2) Factors that cause disparities in decisions on criminal cases of possession of homemade firearms at the Sekayu Class II District Court are in line with the basic theory of judges' considerations which include 1) factors in the law itself, in Indonesian law it has not set guidelines for judges to considering all aspects, which are determined by law only the maximum and minimum, 2) law enforcement factors, namely the lower the demands, the lower the verdict given by the judge, 3) community factors in this case the defendant, and 4) cultural factors, , the community still takes into account the magnitude of the losses incurred. Keywords: disparity, District Court decisions, criminal cases, possession of assembled firearm
PENGARUH PERSEPSI DAN PENGALAMAN TERHADAP KEPUTUSAN MEMILIH UNIVERSITAS MUHAMMADIYAH PALEMBANG
Get PDFThese objectives of this study were to find out whether or not there were any significant effects of perception and experience on the decision making to choose Muhammadiyah University of Palembang. The type of this study was an associative, with the variables used were perception, experience and decision making. The sample chosen were 100 respondents, with the data collection method using a questionnaire. The analysis technique in this study used multiple linear regression analysis. The results of simultaneous hypothesis testing showed the value of Fcount > Ftable, which meant that there was a significant effect of perception and experience on the decision making to choose Muhammadiyah University of Palembang. The results of the partial hypothesis test showed the value of tcount > tcount, which meant there was a significant effect of perception on the decision making to choose Muhammadiyah University of Palembang, and there was a significant effect of experience on the decision making to choose Muhammadiyah University of Palembang. The value of the coefficient of determination showed that the variables of perception and experience were able to contribute to the ups and downs of the decision making to choose Muhammadiyah University of Palembang, by number 33.2%
PENGARUH INKLUSI KEUANGAN DAN PERAN LEMBAGA KEUANGAN MIKRO TERHADAP KINERJA UMKM DI KECAMATAN SEBERANG ULU I KOTA PALEMBANG
Get PDFThis study aimed to determine the effect of financial inclusion and the role of microfinance institutions on the performance of MSMEs in Seberang Ulu I District, Palembang city. This study used quantitative methods, namely by presenting research results in the form of number sorstatistics to test hypotheses. The population of this research was MSME actorsin Seberang Ulu I District, Palembang cityas many as 436 units. The sample in this study was 173 units. This study used quantitative analysis methods. The data used in this study was primary data obtained from filling out questionnaires conducted by respondents. Then the data was processed using multiple liner analysis techniques, based on the results of the analysis showed that the variables of Financial Inclusion and the Role of Microfinance Institutions had an effect on the performance of MSMEs. It was proven by the results of the analysis of the coefficient of determination where the variable of Financial Inclusion and Microfinance Institutionson MSME Performance was 56% and the remaining 44% was in fluenced by other variables not mentioned in this study
Growth Parameters of Sentani Gudgeon Fish (Oxyeleotris heterodon) in Sentani Lake, Papua
Get PDFABSTRACTThe Sentani Gudgeon Fish (Oxyeleotris heterodon, Weber 1907) from the family Butidae with the general name Sentani Gudgeon is known locally as Gabus Malas and Himen. Sentani Snakehead Fish is one source of animal protein that is very important for the community around Lake Sentani. The population of the Sentani Gudgeon Fish species is at a crucial level. The issue could be affected by environmental pressures, continuous catches, competition with introduced species from outside Papua, intensive predation systems, and imbalances in ecological systems. The condition made a decline in population size until it became extinct. Gudgeon Sentani fish is the main target of catching in the lake. This condition significantly affects stock, size when first captured, population decline, reproductive cycle, and average catch. Until now, data and information on the growth of snakehead fish as the basis for fisheries management in the waters of Lake Sentani are not widely known. Considering the importance of preserving the native species of Lake Sentani, especially the Snakehead Fish, efforts to manage the fisheries in Lake Sentani's waters are urgent. This research was conducted in March - October 2020, located at Lake Sentani. The specimens were obtained from the catch of fishers with various gill nets and chopsticks. Enumerators or field assistants assisted the recording of the number and measurement of the total length of fish caught by fishermen daily. The results of the analysis showed: asymptotic size (L?) 46.20 cm, growth coefficient (K) 0.29, the total mortality rate (Z) 0.80 per year, natural mortality (M) 0.74 per year, the mortality rate due to fishing (F) 0.06 per year and exploitation rate (E) 0.075 per year
SISTEM PENDUKUNG KEPUTUSAN DALAM SELEKSI TEMPAT TINGGAL (KOST) MAHASISWA DENGAN METODE SIMPLE ADDITIVE WEIGHTING (SAW)
Get PDFPerkembangan tempat tinggal saat ini berkembang cukup pesat,salah satunya kost,karena banyaknya minat mahasiswa luar wilayah, yang hendak melanjutkan pendidikannya dengan destinasi wilayah lain. Namun banyak mahasiswa dari luar daerah yang mengalami kesulitan dalam memilih tempat tinggal kost dikarenakan banyaknya pertimbangan dari aspek biaya,fasilitas dan lokasi,diikuti banyaknya tempat tinggal kost yang memberi penawaran harga,fasilitas dan lokasi yang berbeda akan membuat bingung mahasiswa dalam memutuskan tempat yang akan mereka tinggali. Sistem Pendukung Keputusan (SPK) ialah suatu teknik dengan kapabilitas guna mengatasi sebuah persoalan dalam hal semi Sistematis dan tak sistematis. Sistem Pendukung keputusan ini nantinya akan dibuat dengan metode Simple Additive Weighting (SAW) dengan harapan dapat menyelesaikan permasalahan yang dialami mahasiswa. Langkah penelitian yang dilakukan oleh penulis yaitu menentukan kriteria dan alternatif, mengumpulkan data dari kuisioner yang dibagikan ke mahasiswa,melakukan perhitungan,dan merangking alternatif,dari hasil perhitungan diperoleh hasil bahwa Kost2 merupakan alternatif terbaik dengan nilai preferensi tertinggi yaitu 95.Kata kunci: Tempat Tinggal , Sistem Pendukung Keputusan, Simple Additive Weighting (SAW
Hubungan Kerja Antara Presiden dan Wakil Presiden sebagai Penyelenggara Kekuatan Pemerintah Negara Tertinggi ditinjau dari sudut Hukum Tata Negara
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Metode Drill Berbasis Aplikasi Kahoot terhadap Hasil Belajar Siswa Materi Operasi Bilangan Bulat untuk Kelas VII SMP Muhammadiyah 4 Palembang
Get PDFThis type of research is experimental research. The population in this study were all seventh grade students of SMP Muhammadiyah 4 Palembang in the academic year 2021/2022 with a sample of class VII U3 as the experimental class and VII U2 as the control class. After learning using the drill method based on the Kahoot application, the average value is and the standard deviation is S1=14,8165. While learning using the drill method without the Kahoot application, the average value is and the standard deviation is . Based on the criteria for testing the hypothesis, the value of and means that is in the rejection area of Ho, which means Ha is accepted. Thus the hypothesis which states "There is a significant effect of the drill method based on the kahoot application on the mathematics learning outcomes of students with integer operations in class VII SMP Muhammadiyah 4 Palembang.", is accepted as tru