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IDENTIFIKASI PUSAT PELAYANAN DI KABUPATEN BANGKALAN DENGAN METODE SKALOGRAM
No full textThis article describes the result of public service center assessment and recommendation for public service providing in Bangkalan District. Skalogram method is used to rank sub-districts in Kabupaten Bangkalan based on kinds and a number of public service facilities. The identification showed that center of public services is located in 4 of 6 sub districts, which is determined as Sub Satuan Wilayah Pembangunan (Sub Region of Development Unit) or kecamatan pusat ordo IV (ordo IV of sub municipal's center) in Rencana Tata Ruang Wilayah Kabupaten Bangkalan (Bangkalan's masterplan of regional development) 1999-2009. More over, the location of public facilities center is not the same as location of population center. Therefore, it's recommended to accelerate the providing of public service facilities in sub districts which are determined as Sub Satuan Wilayah Pembangunan (Sub Region of Development Unit) or kecamatan pusat ordo IV (ordo IV of sub municipal's center) in Rencana Tata Ruang Wilayah Kabupaten Bangkalan (Bangkalan's masterplan of regional development) 2009-2029, especially in Klampis and Tanah Merah, and which are predicted as location of population centers, i.e. Arosbaya, Socah, Tanah Merah, Kwanyar and Klampis.The results of the study are : (1) Four of the six sub municipal (kecamatan) center of ordo IV have become a higher public center service compare to others sub municipal (kecamatan); (2) Ideal condition, in which public service center should be located around the center of population (highest population density) area, is not met. Hence it is suggested to prioritize the process of providing the needed quality and quantity of infrastructure for public service at kecamatan (sub municipal) of Klampis and Tanah Merah as well as kecamatan (sub municipal) that is predicted to have a high population density in the future but still have a relatively low hierarchy of public service center today i.e.: Arosbaya, Socah, Tanah Merah, Kwanyar dan Klampis
ANALISIS KEMISKINAN NELAYAN DI KABUPATEN BANGKALAN
No full textSelama tiga dasawarsa terakhir pembangunan kelautan dan perikanan selalu diposisikan sebagai sektor yang dipinggirkan (peripheral sector) dalam pembangunan ekonomi nasional. Kondisi ini sangat ironis, mengingat bahwa hampir 70% wilayah Indonesia merupakan lautan dengan potensi ekonomis yang sangat tinggi. Perangkap kemiskinan yang melanda kehidupan nelayan disebabkan oleh faktor-faktor yang kompleks. Faktor-faktor tersebut tidak hanya berkaitan dengan fluktuasi musim-musim ikan, keterbatasan sumber daya manusia, dan modal. Tetapi juga disebabkan oleh lemahnya kelembagaan ekonomi nelayan. Kondisi tersebut merupakan penyebab ketergantungan nelayan pada rentenir yang merangkap sebagai tengkulak dan penyedia bahan bakar. Perjanjian nelayan dan tengkulak sangat merugikan nelayan, akibatnya daya tawar nelayan di pasar input dan output sangat lemah. Sehingga biaya produksi nelayan semakin meningkat sementara pendapatannya semakin menurun. Secara umum penelitian ini bertujuan untuk menganalisis kemiskinan nelayan secara komprehensif
MANAJEMEN RlSIKO PEMBIAYAAN MUDHARABAH PADA PERBANKAN SYARIAH
No full textMudharabah is a partnership contract with the principle of profit sharing which is applied in Islamic banks. The data financing on Islamic Banking Development Report in the last four years shows murabahah financing has a large portion of financing with a stable condition of development, on the contrary mudharabah financing has a small financing and declining percentage. The purpose of this research is to determine risk management of mudharabah financing in Islamic banking with a limit to the causes of the low number of mudharabah financing, the common problems and solutions.The method of the research is using a qualitative approach with a case study strategy. The informants are obtained from 3 Islamic Banks or Bank Umum Syariah (BUS), namely BMI, BSM and BNIS. The data collection is conducted by linking the questions and the obtained data with the conclusion of the result of interview data with the Account Officer from the 3 Islamic Banks; BMI, BSM, and BNIS.The result of the research shows that the low number of mudharabah financing is caused by the big considerable risk, it is the risk of losses, particularly on the income of the bank. Meanwhile, the problem that commonly occur is non-performing financing because of the side streaming and manipulated data. The solution is restructuring to the bank's customer who has a good faith, on the contrary with different personality of bank's customer will be put into the collateral execution
ANALISIS PENGELOLAAN TENAGA KERJA INDONESIA (TKI) DI JAWA TIMUR
No full textThis research is focuses on the existence "Overseas Contract Workers (OCWs)" that has relations to deportation versus foreign exchange. The research has the following goals : (1) To know and to analyze the influential factors on OCWs policies; (2) To know and to analyze the existence of migrant workers; (3) To know and to analyze government and private company management for migrant worker regarding deportation.This research is the case study with double approaches (qualitative and quantitative). The respondets are selected through purposive sampling with 150 respondets (117 respondets working at abroad and 33 respondets working at this country). Data collection through is done by observation, indepth interview and documentation technique. The respondet investigation is carried out by snowball technique. The research instruments used are check-list and questionnaire. Both qualitative and quantitative methods are used to analyze are logit model and equilibrium market supported by SCP analyze (structure - conduct - performance).The result indicates that : (1) The influential factors on OCWs decision are : wage factor and knowladge, because of risk probability in the overseas and their family. On other hand, age, education, information, push and pull factor has unreal influence. These conditions are generated from pressures lack of job oppurtunity and hope to prosperity; (2) The existence of OCWs (legal or illegal) are greatly influenced by supply and demand in the market labour. The implication is that OCWs has contributed foreign exchange. Because of the bargaining power OCWs is lower cause deportation; (3) Management of OCWs begins from : recruitment, training, departure and arrival. Government policy should focuses activity on handling the current conditions so that policy must be done, these return illegal OCWs into legal OCWs. Alternative model in the management of OCWs are : (a) reorganize the institution of OCWs, (b) to accommodate OCWs on horizontal integration in the form of association; (c) to manage the information become better than before.Based on the result of the research, it is suggested that : (1) The government must create job, while private institution (PJTKI) must change the role of management which not only profit orientation, but also becomes the protection for OCWs and their family; (2) In order to increase bargaining position, OCWs must do horizontal integration by establishing the organization
PERFORMANCE MANAGEMENT MODEL OF BANKING COMPANIES IN INDONESIA
No full textBank is a financial institution with a function as an intermediary and creates its benefits through withdrawls and lending funds to the community. To obtain optimal profits, banks have to manage any resources and controlled assets. This study aimed to develop and examine the model of performance creation through asset, human cost, equity, intellectual capital and non-financial performance.The study was conducted in the Indonesian banking companies. The data obtained were processed using SEM techniques. The results show that the model developed can be accepted by probability (p) 0,277 (more than 0,05) x2 model 5.100; RMSEA 0,049 (less than 0,08) and GFI 0,985 (more than 0,90). This means that the banking company's financial performance is determined by how it is performing its function as an intermediary institution that is manifested in non-financial performance. In addition, the factor of intellectual capital, assets, human cost and the equity are together is an important determinant of superior performance of the company. As such, those factors should get attention and managed in a healthy, optimal, proportional, and cautious way
THE ROLE OF THE UNIVERSAL SERVICE ARGUMENT IN THE DEBATE ON MARKET OPENING
No full textPelayanan secara global yang disebut dengan universal service merupakan layanan atau jasa yang diberikan kepada semua orang di seluruh dunia atas kepentingan informasi dan komunikasi. Pos dan telekomunikasi tentunya menjadi bagian utama dari layanan global tersebut karena surat atau dokumen dan saluran komunikasi adalah hal yang vital bagi kehidupan manusia. Dengan adanya pasar bebas yang membuat berubahnya kondisi perekonomian dunia, pos masih dilindungi oleh negara sedangkan bidang telekomunikasi diberikan kepada pihak swasta agar dapat lebih bersaing. Meskipun aturan yang berbeda diberlakukan oleh setiap negara, bidang pos tetap dikuasai oleh negara dan bidang telekomunikasi dibebaskan. Dibukanya persaingan pada bidang telekomunikasi dimaksudkan adalah tidak diberikannya subsidi atau dukungan anggaran biaya dari negara kepada bidang tersebut (dibiarkan privat atau mengalami privatisasi).Kondisi perekonomian dunia yang semakin memungkinkan iklim persaingan bebas telah mendesak untuk melepaskan regulasi negara-negara di dunia untuk terus melindungi bidang pos. oleh karena itulah, kemudian bidang pos pada akhirnya dibiarkan sebagian dimiliki oleh pihak swasta, dalam hal ini berarti pemerintah masih memberikan subsidi atau dukungan anggaran biaya tetapi hanya separuh bagian saja. Polemik akhirnya timbul dengan adanya regulasi atas bidang pos dan telekomunikasi, banyak diantaranya membicarakan tentang manfaat diberlakukannya regulasi tersebut. Dimana sebagian besar negara-negara di dunia masih melakukan berbagai macam cara subsidi pada bidang pos; mengingat pengaruh teknologi informasi yang semakin pesat sehingga pos bukan merupakan jalur utama dalam sarana pengiriman dokumen. Dan yang paling menjadi sorotan adalah pengaruh atas kualitas dan biaya yang akan dibebankan kepada pengguna jasa pos dan telekomunikasi atas regulasi tersebut
POTENSI DAN PROYEKSI EKONOMI MAKRO KOTA TANGERANG
No full textThis study aims to analyse the potency and make a projection of the economy of Tangerang Municipality from 2014 to 2018. By doing so, the local government of Tangerang can use such information to formulate the appropriate policies to foster inclusive economic growth. This study is essential as Tangerang Municipality experienced a slow down in economic growth in 2014 compared to the previous year. This study uses quantitative methods namely Location Quotient (LQ) analysis, to identify leading sectors of the economy, and Least Squares Method, to make a projection of the economy. In addition, descriptive analysis is also used to briefly interpret the quantitative data and formulate policy recommendations. The results show that: (1) the leading sectors of Tangerang Municipality are manufacturing industry sector, transportation and warehousing sector, information and communication sector, and business services sector; (2) the projection analysis showed that in 2018, based on constant price and current price RGDP, Tangerang Municipality will experience positive economic growth. This will also be true for per capita RGDP. Moreover, inflation and open unemployment rate will decline
DAMPAK KEBERADAAN KAMPUS UNIVERSITAS TRUNOJOYO MADURA TERHADAP NILAI TANAH YANG ADA DI SEKITARNYA
No full textDevelopment around the campus of University of Trunojoyo Madura continues to grow rapidly along with the increasing number of students in each year. It leads to a competition for a piece of land either. The aims of this study are to know the condition of the land uses after the development of life on the campus of UTM, to know the differences of land values in the campus area of UTM and outside campus area (Non UTM), and to know the factors which affect the land values around the campus area. The Analyzing data which used in this study are descriptive analysis, t-Test analysis, and multiple linier regression analysis with dummy. The results of this study show that the land uses around the campus of UTM are for agriculture, residential, boarding house, and business. The highest land value around the campus area is Rp. 2.500.000/ M2, While the highest land value outside campus area (Non UTM) is Rp. 850.000/M2. The factors which affect the land values around the campus area are the distance of the land to the main road, the distance of the land to the campus of UTM, legality, topography, and the ground for
ANALISIS LAPORAN KEUANGAN DAERAH BERDASARKAN PERATURAN PEMERINTAH REPUBLIK INDONESIA NO. 24 TAHUN 2005 TENTANG STANDAR AKUNTANSI PEMERINTAH (SAP)
No full textThe purpose of this study was to describe the accounting system of local finance in the areas of financial management regarding financial reporting areas that are implemented in Jombang by looking anilis regional financial ratios, and analyze the factors that hinder the preparation and financial reporting areas of financial management of the areas in Jombang is based on PP No. RI 24 tahun 2005 tentang Standart Akuntansi Pemerintah. 24 year 2005 regarding Government Accounting Standart. This research is a descriptive study with case study method, which describes the implementation of the regional financial system in Jombang. Data collected in the form of interviews and data analysis pendukung.Berdasarkan results of the analysis conducted in this study, the general realization of the Budget Report, the Consolidated Balance Sheet, Cash Flow Statement, especially in its function as a regional financial statement presentation and preparation is already in the system in accordance with the provisions of praturan ie PP RI No. 24 of 2005 concerning Government Accounting Standard (SAP), but in the assessment of regional financial ratio analysis can bulum fully meet the expectations and objectives of internal control regions as expected in the current era of regional autonomy. Factors that hinder the implementation of local government financial accounting systems, especially in the preparation and financial reporting area is in terms of quality human resources and infrastructure is not adequate
PRUDENT BANKING PRINCIPLE DALAM MENYALURKAN KREDIT KEPADA USAHA MIKRO, KECIL, MENENGAH DAN KOPERASI (UMKM-K) DARI SISI PERATURAN PERBANKAN DI INDONESIA
No full textPrudent banking principle is a principle which states that the bank in carrying out its functions and activities must be careful (prudent) in order to protect the public funds entrusted to him. Condition of Micro, Small and Medium-Cooperatives in general terms of the availability and condition of collateral held is not adequate, and recording / documentation is relatively limited. At the same time the ability of commercial banks with valuation techniques that have led to a relatively limited public banks have difficulty in assessing the business prospects of Micro, Small and Medium-Cooperative and in turn the ability to pay Micro, Small and Medium-Cooperative. The implications of these conditions lead to commercial banks should provide substantial reserve fund if it will extend credit to Micro, Small and Medium-cooperative and that means it will reduce the ability of banks to meet the required CAR of Bank Indonesia. Finally, banks will choose to allocate funds raised to a safer destination, such as SBI does not require a reserve fund