12 research outputs found
Analisis Kredit bermasalah Pada PT. BPR Gunung Ringgit Malang
No full textABSTRAK Alfiana, Frida. 2011. Analisis Kredit Bermasalah Pada PT. BPR Gunung Ringgit, Malang. Program Studi DIII Akuntansi, Jurusan Akuntansi, Fakultas Ekonomi, Universitas Negeri Malang, Pembimbing Helianti Utami S.E,.M.Si,.Ak Kata Kunci : Kredi Bermasalah, kolektibilitas bank Pemberian kredit oleh bank mengandung resiko kegagalan atau kemacetan dalam pelunasannya, sehingga dapat berpengaruh terhadap kesehatan bank. Mengingat bahwa bank tersebut bersumber dari dana masyarakat yang disimpan pada bank, maka resiko yang dihadapi bank dapat berpengaruh pula pada keamanan dana masyarakat tersebut. Penulisan tugas akhir ini dimaksudkan untuk mengetahui dan menganalisis kredit bermasalah PT. BPR Gunung Ringgit Malan. Dalam penyusunan tugas akhir ini, metode yang di gunakan adalah metode kualitatif dan kuantitatif untuk memperoleh gambaran yang jelas mengenai analisis kredit bermasalah terhadap debitur yang ada di PT. BPR Gunug Ringgit Malang. Kredit bermasalah pada PT. BPR Gunung Ringgit disebabkan oleh beberapa faktor diantaranya nasabah yang terlambat membayar angsuran yang disebabkan pendapatan usahanya mengalami penurunan, gagal panen, atau nasabah tersebut memiliki watak/ karakter untuk tidak membayar angsuran dan melunasi pinjamannya. Dari pihak bank dapat disebabkan oleh pihak analisis kredit yang mungkin kurang teliti dan tidak sepenuhnya menerapkan unsur 5C dalam proses analisis untuk realisasi kredit karena adanya unsur kecurangan lainnya. Dari hasil analisis diperoleh kesimpulan timbulnya kredit bermasalah pada PT. BPR Gunung Ringgit dikarenakan belum diterapkannya unsur 5C secara maksimal, dan upaya yang dilakukan untuk menagih kepada debitur juga kurang maksimal Dari hasil analisis diperoleh kesimpulan bahwa sebaiknya pihak bank yang melakukan analisis kredit melakukan analisis dengan teliti agar semua unsur 5C yaitu Character, Capacity, Capital, Collateral, dan Condition dapat di peroleh dari nasabah dengan baik dan benar guna meminimalisir kredit bermasalah, mengadakan penagihan piutang secara intensif, untuk mempertahankan jumlah modal yang ada
Analisis Bermasalah Pada PT BPR Gunung Ringgit Malang
No full textABSTRAK Alfiana, Frida. 2011. Analisis Kredit Bermasalah Pada PT. BPR Gunung Ringgit, Malang. Program Studi DIII Akuntansi, Jurusan Akuntansi, Fakultas Ekonomi, Universitas Negeri Malang, Pembimbing Helianti Utami S.E,.M.Si,.Ak Kata Kunci : Kredi Bermasalah, kolektibilitas bank Pemberian kredit oleh bank mengandung resiko kegagalan atau kemacetan dalam pelunasannya, sehingga dapat berpengaruh terhadap kesehatan bank. Mengingat bahwa bank tersebut bersumber dari dana masyarakat yang disimpan pada bank, maka resiko yang dihadapi bank dapat berpengaruh pula pada keamanan dana masyarakat tersebut. Penulisan tugas akhir ini dimaksudkan untuk mengetahui dan menganalisis kredit bermasalah PT. BPR Gunung Ringgit Malan. Dalam penyusunan tugas akhir ini, metode yang di gunakan adalah metode kualitatif dan kuantitatif untuk memperoleh gambaran yang jelas mengenai analisis kredit bermasalah terhadap debitur yang ada di PT. BPR Gunug Ringgit Malang. Kredit bermasalah pada PT. BPR Gunung Ringgit disebabkan oleh beberapa faktor diantaranya nasabah yang terlambat membayar angsuran yang disebabkan pendapatan usahanya mengalami penurunan, gagal panen, atau nasabah tersebut memiliki watak/ karakter untuk tidak membayar angsuran dan melunasi pinjamannya. Dari pihak bank dapat disebabkan oleh pihak analisis kredit yang mungkin kurang teliti dan tidak sepenuhnya menerapkan unsur 5C dalam proses analisis untuk realisasi kredit karena adanya unsur kecurangan lainnya. Dari hasil analisis diperoleh kesimpulan timbulnya kredit bermasalah pada PT. BPR Gunung Ringgit dikarenakan belum diterapkannya unsur 5C secara maksimal, dan upaya yang dilakukan untuk menagih kepada debitur juga kurang maksimal Dari hasil analisis diperoleh kesimpulan bahwa sebaiknya pihak bank yang melakukan analisis kredit melakukan analisis dengan teliti agar semua unsur 5C yaitu Character, Capacity, Capital, Collateral, dan Condition dapat di peroleh dari nasabah dengan baik dan benar guna meminimalisir kredit bermasalah, mengadakan penagihan piutang secara intensif, untuk mempertahankan jumlah modal yang ada
Analysis of Deixis in Short Story “A Little Match Girlâ€: Pragmastylistics Study
No full textThis study has purposes to analyze and describe the language style used by Hans Christian Andersen in his short story entitled 'A Little Match Girl' by using pragmatic aspects that are carried out by analyzing deixis components in the story text. This research applied the descriptive qualitative design. By using pragmastylistics theory, this research focuses on the type of deixis used by the author in presenting his story which is then used to reveal the language style of the literary text. The data of this study were collected from deictic words used in the short story. The steps which are used by the researchers are begun from reading, taking notes, analyzing, categorizing and then summarizing the data. The results reveal five kinds of deixis consisting of person, time, place, social and discourse deixis were used in the text. From the data analysis, 97 deixis were found in total with 65 data of person deixis, 4 data of place deixis, 4 data of time deixis, 14 data of social deixis, and 10 data of discourse deixis. Finally, the most frequent deixis found in the short story is the person deixis, especially third-person deixis which indicates that the author of the short story used third-person point of view to convey his ideas in his short story
Indigenization of Javanese Traditions as a Philosophy of Counseling Practice
No full textIndigenous counseling is a form of practice based on the philosophy and cultural values in (indigenous) society. One form of indigenous counseling originates from a system of behavior that is internalized and implemented through local traditions. Especially in Java, traditions can take the form of worship rituals (religion), khaul, and syiir. Therefore, the aim of this research is to reveal, interpret and explain indigenous counseling through traditions and poetry which are always celebrated and respected by Javanese society (in general). This research was conducted qualitatively. Because, with this type of research, the author is free to explore the research object. So, arguments can be presented comprehensively. The research approach uses literature study. Primary literature uses articles and books that present the latest data and information regarding indigenous counseling and Javanese traditions in general. The critical paradigm is also used by the author to reveal the philosophy and values of Javanese tradition and its relation to indigenous counseling. The results of this research show that indigenous counseling practices can use the approach of 1) traditional rituals, 2) Javanese poetry texts. Traditional rituals such as junggringan, ngaji raos, gusjigang can be derived in their derivative forms to find formulas for individual and group counseling practices. Meanwhile, syiir functions to create individual mental-spiritual awareness in order to become a comprehensive human being
A corpus-based analysis of possibility/ability/permission modals in indonesian EFL textbooks for senior high school in Kurikulum Merdeka
Get PDFTextbooks play an important role since they provide beneficial material for students. However, some textbooks sometimes contain inauthentic materials, and some words or sentences are barely used in everyday communication. Moreover, modal verbs are also crucial in teaching and learning because they are considered the most problematic grammatical units. One solution to overcome these problems is corpus analysis, which is a solution since it provides an extensive collection of natural text that represents the authentic use of language that can benefit textbook materials development. Therefore, this study aims to 1) find out the type of possibility, ability, and permission core modal verbs found in the textbooks' conversation sections, 2) to find out the most frequent core modal verbs of possibility, ability, permission in the textbooks conversation sections, 3) to find out the most frequent core modal verbs of possibility, ability, permission in spoken sub-corpus of COCA.
This study uses corpus-based analysis, and the research is categorized as descriptive qualitative. The data sources were collected from Kurikulum Merdeka’s textbooks for senior high schools in Indonesia published by the Indonesian Education Ministry. To support the analysis of the data, the researcher uses AntConc as the corpus tool to investigate the linguistic features in textbooks. Moreover, the researcher uses the Corpus of Contemporary American English (COCA) as the control corpus to reflect real language usage.
The findings reveal that 1) the three series of Kurikulum Merdeka’s textbooks have presented the types of either possibility, ability, and permission in conversation sections with varied core modal verbs, including “can,” “could,” “may,” and “might.” 2) The most frequent core modal verb presented in the conversation sections of textbooks is “can,” which dominantly expresses a sense of ability. Then, “may” and “might” share an equal position that focuses on expressing possibility. The least frequent core modal verb used in textbook conversation sections is “could,” solely used to convey possibility. 3) “Can” is the most frequent core modal verb in both textbook conversation sections and spoken sub-corpus of COCA. However, “could” is not significant compared to COCA, indicating a mismatch in the core modal verbs distribution in textbooks. Hence, the textbook author must consider the underuse of very frequent core modal verbs in designing the textbook materials and presenting the core modal verbs of possibility, ability, and permission in the textbook conversation sections
PENGARUH TRANSPARANSI KEBIJAKAN PUBLIK TERHADAP PENGETAHUAN DEWAN TENTANG ANGGARAN DENGAN PARTISIPASI MASYARAKAT SEBAGAI VARIABEL MODERASI
Get PDFThe Influencing of Public Policy Transparency for Improving the Capability on Budget Public Participation for the Member of Parliaments by Using Moderation Variable. (Case study of Member of Parliament Keerom). The purpose of the study was to investigate the effect of public policy transparency on improving the understanding of Member of Parliament in relation to public budgeting. Survey was conducted to obtain data where the author distributed questionnaires to the respondents. By using regression equation, the study found that the influencing of transparency public policy on the capability of the Member of Parliaments was a significant where indicated the t value (1.350) higher than t table (0.188) with the significant level 0.05. In addition, the influencing of community participation as variables moderate and transparency in public policy showed that there was a positive relationship between transparency public policy and capability of the Member of Parliament on budget
GERAKAN DAKWAH DAN KOMUNIKASI PERSUASIF PADA MASYARAKAT MUALLAF Studi Kasus Dakwah Majelis Tabligh Muhammadiyah di Dusun Tugunongko Kabupaten Ponorogo
Get PDFThe spread of the mission of Christianization and the worship of the people became a phenomenon that will continue to occur. People with a weak foundation aqidah become the main target to launch a mission movement oriented to the recruitment of as many congregations as possible. In fact, this happened to the community in Tugunongko Hamlet, Ponorogo Regency. Tugunongko community is a suburban community that falls into the low economic category. Socialization of christianization mission is carried out by efforts to fulfill the basic needs of the community to justify the new economic and religious state as the value of existence of the mission.
The massive spread of the mission raised concerns for the Muhammadiyah Tabligh Assembly (MTM). As a da'wah institution, MTM has full authority to fortify the mission movement in order to maintain the existence of Islam with da'wah. The da'wah movement began by optimizing the program of Islamization by inviting the community to become converted and return to practice the teachings of Islam in a kaffah. The process of da'wah approach is carried out through persuasive communication strategies oriented towards the formation of beliefs and attitudes to form a new level of life based on Islamic teachings.
This type of research is qualitatively descriptive with a case study approach. Qualitative research methodology is used by the author to know how the implementation of the da'wah movement, persuasive communication process in da'wah, as well as the urgency of the da'wah movement in the muallaf community. The results showed that the implementation of the muhammadiyah Tabligh Assembly da'wah movement is the implementation of multi-faceted bil da'wah. Da'wah activities are carried out using persuasive communication components such as communication processes, forms of communication, communication techniques and credibility of sources that play an important role in realizing the success of da'wah.
In addition, in order to minimize the movement of christianization mission and the reoccurrence of the people makes the movement of da'wah important to be implemented consistently and sustainably. There are four main factors that form the basis of the importance of the da'wah movement implemented in the muallaf community, among others: maintaining the existence of Islam, the planting of aqidah as a guideline of Islam, the development of the people, as well as the strengthening of ukhuwah islamiyah as a source of strength of the people. Efforts to progress and continue the religion of Islam and the community muallaf become a great responsibility of the Assembly tabligh Muhammadiyah in order to promote the establishment of islamic teachings in Tugunongko Hamlet, Ponorogo Regency
Bibliometric Analysis of 3D Media Research Trends in Science Education from 2020 to 2025: A Literature Review
Get PDFAdvances in digital technology have triggered a major transformation in the world of education, particularly through the use of technology-based learning media. One innovation that has attracted a lot of attention in recent years is the use of three-dimensional (3D) media in the science learning process. This literature review aims to (1) identify developments in research publications related to the use of 3D media in science education during the period 2020-2025; (2) analyse trends in 3D research in science education based on the number of publications, citations, authors, countries, and contributing journals; (3) Analyse the 3D tools used in the research, and (4) Provide an overview of opportunities and future research directions related to the application of 3D media in science education. The research method used was bibliometric analysis of a literature review assisted by Bibliloshiny software and Microsoft Excel for data tabulation. The database used was Scopus. The analysis resulted in a total of 50 documents analysed from the Scopus database. The results of the study show that (1) publications related to virtual reality in learning have increased, although they are not yet stable; (2) China and the United States have made the largest contributions related to 3D media, with the article with the highest number of citations being by Burley S.K. (2021). Burley S.K. is the author who has contributed the most to 3D media, with Applied Sciences (Switzerland) being the journal with the largest contribution; (3) The results show that 3D printing is the most discussed tool in research; (4) In addition, the study also shows that 3D media has the potential to be an innovation in learning in the future and continues to increase in its development
Apakah Audit Tenure, Audit Fee, Ukuran Perusahaan Akan Mempengaruhi Kualitas Audit Sektor Pertambangan di Bursa Efek Indonesia
No full textABSTRACT
This study was conducted by the author to find out whether audit quality is influenced by audit tenure, audit fees, and company size in the mining sector on the Indonesia Stock Exchange. This study utilizes secondary data with a quantitative approach using a sampling technique, namely purposive sampling, which was obtained with a total of 41 issuers as the research sample.In the research, the results showed that audit quality was not influenced by audit tenure, with a significance value of 0.358. Meanwhile, audit fees have a significant influence on audit quality with a significance value of 0.007. Meanwhile, company size has no impact on audit quality, as shown by the significance value of 0.290.
Keywords: Audit Tenure, Audit Fee, Company Size, Audit Quality.
ABSTRAK
Studi ini dilakukan penulis untuk mengetahui apakah kualitas audit dipengaruh oleh audit tenure, audit fee, dan ukuran perusahaan yang terdapat pada sektor pertambangan di Bursa Efek Indonesia. Studi ini memanfaatkan data sekunder dengan pendekatan kuantitatif dengan menggunakan teknik pengambilan sampel yaitu purposive sampling yang diperoleh dengan total 41 emiten sebagai sampel penelitian. Pada penelitian didapatkan hasil jika kualitas audit tidak dipengaruhi oleh audit tenure, dengan nilai signifikansi sebesar 0,358. Sedangkan, audit fee memiliki pengaruh signifikan terhadap kualitas audit dengan nilai signifikansi 0,007. Sementara itu, untuk ukuran perusahaan tidak memberikan dampak pada kualitas audit, sebagaimana ditunjukkan oleh nilai signifikansi 0,290.
Kata kunci: Audit Tenure, Audit Fee, Ukuran Perusahaan, Kualitas Audit
PENINGKATAN KAPASITAS APARATUR PEMERINTAH DESA KUTAJAYA
Get PDFThe problems that exixt in the Kutajaya village government are that optimal administration has not been implemented, this can be seen in the incomplete population administration in kutajaya village and the issuance of decrees to community empowerment institutions and youth organizations. The method of implementation in the activity program is public education, a socialization seminar, in which the author collaborates with university education academics as resource persons to be able to provide material related to increasing the capacity of the village apparatus. With this socialization seminar, village officials can bring the knowledge provided by professional speakers in their fields. The results provided from the program are able to provide understanding to village officials regarding administration and community empowerment. It can be concluded that increasing the capacity of the village apparatus is very important for strengthening human resources in the village government. With efforts to increase the capacity of village government officials, it can bring human resources of village apparatus to optimize performance and be able to see the potential that exists in rural communities in kutajaya village. So it is very important for village officials to be able to improve their skills. Thus increasing the village government apparatus is an important part for the village government to be carried out by the village head as an effort to improve the skills pf the village apparatus
