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PELAKSANAAN PERJANJIAN PEMBERIAN KREDIT TERHADAP NASABAH DENGAN PENGURUS BADAN USAHA MILIK DESA (BUMDes) DI DESA TANJUNG MEDAN KECAMATAN CERENTIBERDASARKAN PASAL 1313 KUHPERDATA
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Mahdiar (2023): Pelaksanaan Perjanjian Pemberian Kredit Terhadap Nasabah Dengan Pengurus Badan Usaha Milik Desa (Bumdes) Di Desa Tanjung Medan Kecamatan Cerenti Berdasarkan Pasal 1313 Kuhperdata
Dalam upaya meningkatkan perekonomian masyarakat Indonesia, pemerintah melalui Badan Pemberdayaan Masyarakat dan Pembangunan Desa membentuk suatu badan keuangan yaitu Badan Usaha Milik Desa (BUMDes). Badan Usaha Milik Desa (BUMDes) merupakan lembaga keuangan mikro di pedesaan yang salah satu usahanya memberikan kredit kepada masyarakat serta berperan penting dalam meningkatkan taraf perekonomian masyarakat desa. Berjalannya waktu pelaksanaan sebagaimana tujuan pendirian BUMDes tersebut, terdapat beberapa kredit macet yang dilakukan oleh penerima kredit yang ditandai dengan adanya tunggakan pembayaran sebagaimana kesepakatan yang dibuat.
Adapun rumusan masalah dalam penelitian ini adalah bagaimana pelaksanaan perjanjian pemberian kredit terhadap nasabah dengan pengurus Badan Usaha Milik Desa (BUMDes) di desa Tanjung Medan Kecamatan Cerenti dan apa faktor penghambat pembayaran kredit di Badan Usaha Milik Desa (BUMDes) Tanjung Medan Kecamatan Cerenti. Penelitian ini menggunakan motede penelitian hukum sosiologis atau empiris yang diteliti pada awalnya adalah data sekunder, untuk kemudian dilanjutkan dengan penelitian terhadap data primer di lapangan, atau terhadap masyarakat.
Hasil penelitian menunjukkan bahwa pelaksanaan perjanjian pemberian kredit antara Badan Usaha Milik Desa (BUMDes) Tanjung Medan yaitu dengan mengajukan serta mengisi dan menandatangani permohonan kredit dan akan dinilai kelayakannya oleh Badan Usaha Milik Desa (BUMDes) Tanjung Medan. Apabila dirasa sudah layak, maka penandatangan perjanjian kredit serta penandatangan surat kuasa penjualan agunan akan dilakukan dan pencairan akan disegerakan, sedangkan penyelesaian perjanjian kredit yang dituangkan di dalam surat perjanjian pemberian kredit (SP2K) belum memiliki kepastian hukum yang kuat dalam penyitaan agunan, sebab debitur saat memberikan teguran dan disertai dengan adanya denda kreditur tetap belum membayar angsuran kreditnya sampai surat peringatan ketiga, maka jalan terakhir dengan cara penyitaan atau pelelangan aguanan kreditur untuk melunasi kekurangan dari kredit nasabah, walaupun sampai saat ini pihak Badan Usaha Milik Desa Tanjung Medan belum pernah melakukan sitaan agunan. Faktor penghambat pembayaran kredit di Badan Usaha Milik Desa (BUMDes) Tanjung Medan Kecamatan Cerenti yaitu kurangnya kesadaran debitur, sehingga debitur enggan untuk membayar karna kurang tegasnya sanksi yang diberikan Badan Usaha Milik Desa Tanjung Medan. Usaha merugi juga menjadi faktor penyebab kenapa debitur tidak mendapat membayar angsuran kreditnya tersebut.
Kata Kunci : Perjanjian, Kredit, Wanprestasi, BUMDe
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Park characteristics and park use : factors influencing adolescents' use of Urban parks in Shiraz, Iran / Zohreh Mahdiar
No full textParks offer a unique setting within an urban landscape, providing opportunities for physical activities, enjoyment of nature, social interactions, and escape. Despite the importance of parks, adolescents in Iran, who were regarded as the main users of parks in the past, are now more inclined to patronize other new modernized public spaces, such as shopping centers, which inevitably decrease their usage of parks. Therefore, this study aims to increase the knowledge of parks' socio-physical characteristics that are necessary to entice adolescents to use urban parks more often in Shiraz, Iran. A mixed-method approach was used in this study. The qualitative method, which was the semi-structured in-depth interviews with adolescents, was conducted to specifically explore the characteristics of parks that adolescents find important in their use of urban parks in the area of under studied. Another reason for use of the qualitative research was to develop the age and culturally appropriate measures for a survey that assesses park characteristics which influence the use of urban parks among adolescents in Shiraz. Two pilot studies were conducted to finalize the questionnaire for the face validity, construct validity, and the reliability of the instrument. The main survey was conducted to examine the link between perceived measures of park socio-physical characteristics and the use of urban parks by a population of adolescents, and investigate the determinant socio-physical characteristics of parks on park use in the present situation in Shiraz. Moreover, the issues of non-use of urban parks were identified by the respondents. A supplementary survey was conducted at the end of the study to quantitatively evaluate the importance of each socio-physical characteristics of parks for using urban parks from an adolescent's perspective. The results of qualitative study identified seven (7) socio-physical characteristics of parks (factors) that influence park use including: 1) accessibility; 2) recreational facilities; 3) recreational programs; 4) safety; 5) aesthetics & landscaping; 6) condition & maintenance; and 7) social
environment. The results of the second pilot study and the EFA (exploratory factor analysis) reorganized the items and reduced the number of factors from 7 to 6, including 1) accessibility; 2) recreational facilities; 3) recreational programs; 4) safety; 5) aesthetics and condition; 6) social connectedness. The results of the main study showed that safety concerns, the presence of anti-social behaviour in parks, the presence of police advisors, and the lack of facilities were the most important obstacles to increased park use among adolescents in Shiraz. The examination of socio-physical characteristics of parks that impact the use of parks among adolescents revealed that the perception of accessibility of the park and social connectedness in park environment were associated with park use. Other perceived park characteristics include safety, programs, and aesthetics and condition showed weak correlation with park use. However, perceived provided facilities were not associated with park use. The results also showed that in the present situation, only the perception of accessibility and social connectedness in park environment is capable of predicting park use. The results also showed that all of the socio-physical characteristics of urban parks are lower than the adolescents' expectations. The conclusion of this study highlights the importance of perceived socio-physical characteristics of parks, including accessibility and social interaction in predicting adolescents' use of urban parks in Shiraz
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
Get PDFWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
koamabayili/VECTRON-author-checklist: VECTRON author checklist
No full textWe have done our best to complete the author checklist relating to the use of animals in the hut study. Note that the objective for the hut study was to evaluate the IRS treatment applications for residual efficacy against Anopheles mosquitoes, including the local An. coluzzii mosquito population. Cows were only used to attract mosquitoes into the huts and no tests were carried out directly on the cows. The author checklist is intended for use with studies where experiments are carried out on animals, which is why we have had such difficulty in completing this for the hut study, as many of the questions do not relate to how the cows were used
Author-wise bibliometric analysis based on entropy.
No full textAuthor-wise bibliometric analysis based on entropy.</p
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