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Analisis Pengaruh Manajemen Kredit terhadap Pengembalian Pinjaman Program Penanggulangan Kemiskinan di Perkotaan pada Badan Keswadayaan Masyarakat di Labuhanbatu ( Studi Kasus pada Badan Keswadayaan Masyarakat Maju Bersama Kelurahan Urung Kompas Kecamatan Rantau Selatan)
No full textABSTRACT
Hayanuddin Safri, Analysis of The Influence of Credit Management On the Loan Return
of Urban Poverty Alleviation Program in A Community Self Supporting Body in
Labuhanbatu ( A Case Study of The Community Self Supporting Body Maju Bersama ,
Kelurahan Urung Kompas, Rantau Selatan Subdistrict )
Dr.Muslich Lufti,MBA, Drs.M.Lian Dalimunthe,M.Ec,Ac
BKM ( Non-Government Organization ) Maju Bersama, Urung Kompas
Village, Rantau Selatan Subdistrict, Labuhanbatu District, has distributed revolving
financial aid as much as Rp.516,100,000.00 ( five hundred sixteen million, one hundred
Thousand rupiahs) from 2007 untill 2010 to the people in an effort to stimulate people’s
economy.
The formulation of the problems in this research was to know how fat the
influence of Credit Policy, SOP ( Credit Operational Standard), and Credit Service on
the loan repayment at BKM Maju Bersama,Urung Kompas Village,Rantau Selatan
Subdistrict , Labuhanbatu District, with the hypothesis of Credit Policy. The SOP Credty
and Credit Service had positive and significant influence on the Loan Repayment at
BKM Maju Bersama, Urung Kompas Village, Rantau Selatan Subdistrict, Labuhanbatu
District. The Hypothesis test used multiple linear regression analysis which were aimed
to know the influence of Independent Variable on the Dependent Variable with the
reability level of 95%.
The result of the hypothesis showed that Credit Polycy, SOPCredit and
Credit Service had significant influence on the Loan Repayment at BKM Maju Bersama
Urung Kompas Village, Rantau Selatan Subdistrict, Labuhanbatu District.The result of
the t-test (Partial test) showed that Credit Policy had significant influence on the Loan
Repayment, and SOPCredit also had significant influence on the Loan Repayment. On
the ohter hand, Credit Service influence but did not have significant on the Loan
Repayment at BKM Maju Bersama, Urung Kompas Village, Rantau Selatan Subdistrict,
Labuhanbatu District. Based on the statistical result, the variable of SOP Credit had
more dominant influence on the Loan Repayment at BKM Maju Bersama, Urung
Kompas Village, Rantau Selatan Subdistrict, Labuhanbatu District.
Keywords: Credit Policy, SOP Credit, Credit Service, Loan Repayment.ABSTRAK
Hayanuddin Safri, Analisis Pengaruh Manajemen Kredit Terhadap Pengembalian
Pinjaman Program Penanggulangan Kemiskinan Di Perkotaan Pada Badan
Keswadayaan Masyarakat Di Labuhanbatu (Studi Kasus Badan Keswadayaan
Masyarakat Maju Bersama Kelurahan Urung Kompas Kecamatan Rantau Selatan)
Dr.Muslich Lufti,MBA, Drs.M.Lian Dalimunthe,M.Ec,Ac
Badan Keswadayaan Masyarakat Maju Bersama Kelurahan Urung Kompas
Kecamatan Rantau Selatan Labuhanbatu telah menyalurkan Dana Brtgulir sebanyak Rp
516.100.000,- sejak Tahun 2007 sampai dengan Tahun 2010 kepada masyarakat sebagai
upaya membangkitkan usaha ekonomi rakyat.
Rumusan masalah dalam penelitian ini bagaimana pengaruh Kebijakan Kredit,
Standar Operasional Perkreditan dan Pelayanan Kredit terhadap Pengembalian
Pinjaman pada Badan Keswadayaan Masyarakat Maju Bersama Kelurahan Urung
Kompas Kecamatan Rantau Selatan dengan hipotesis Kebijakan Kredit, SOP Perkreditan
dan Pelayanan Kredit berpengaruh positif dan signifikan terhadap Pengembalian
Pinjaman pada BKM Maju Bersama Kelurahan Urung Kompas Kecamatan Rantau
Selatan. Pengujian Hipotesis menggunakan Analisis Regresi Linier Berganda, yang
bertujuan untuk mengetahui pengaruh Variabel Independen terhadap Variabel Dependen
pada tingkat kepercayaan 95%.
Hasil analisis hipoteis menunjukkan bahwa Kebijakan Kredit, SOP Perkreditan
dan Pelayanan Kredit mempunyai pengaruh signifikan terhadap Pengembalian Pinjaman
pada Badan Keswadayaan Masyarakat Maju Bersama Kelurahan Urung Kompas
Kecamatan Rantau Selatan Labuhanbatu dengan tingkat signifikansi 5%.
Hasil uji F (uji Serempak) bahwa Manajemen Kredit mempunyai hubungan yang
signifikan terhadap Pengembalian Pinjaman pada BKM Maju Bersama Kelirahan Urung
Kompas.Kecamatan Rantau Selatan. Selanjutnya hasil uji t (uji Parsial) bahwa
Kebijakan Kredit sangat mempengaruhi terhadap Pengembalian Pinjaman dan SOP
Perkreditan juga sangat mempengaruhi terhadap Pengembalian Pinjaman, sedangkan
Pelayanan Kredit berpengaruh tetapi tidak signifikan terhadap Pengembalian Pinjaman
pada Badan Keswadayaan Masyarakat Maju Bersama Kelurahan urung Kompas
Kecamatan Rantau Selaatan. Kemudian berdasarkan hasil statistik Variabel SOP
Perkreditan berpengaruh lebih dominan terhadap Pengembalian Pinjaman pada BKM
Maju Bersama Kelurahan Urung Kompas Kecamatan Rantau Selatan Labuhanbatu.
Kata Kunci: Kebijakan Kredit, SOP Perkreditan, Pelayanan Kredit, Pengembalian
Pinjaman.131 HalamanTesis Magiste
Analisis Potensi Kebangkrutan Bank Konvensional Dan Bank Syariah Di Indonesia
Full text linkPenelitian ini bertujuan untuk mengetahui faktor-faktor yang dapat memprediksi
potensi kebangkrutan perbankan (konvensional dan syariah) BUMN di Indonesia
yang terdaftar pada BEI periode 2014-2018. Bank BRI, Bank Mandiri, Bank
BNI, BTN, dan BTPN. Sedangkan bank syariah yang terdaftar pada periode itu
adalah hanya BRI Syariah. Faktor yang dipilih dan dianggap mampu
memprediksi potensi kebangkrutan secara tepat adalah Credit Risk, Liquidity
Risk, Good Corporate Governance, Return on Asset, Net Interest Margin dan
Capital. Teknik pengumpulan data dengan studi dokumentasi dan studi pustaka.
Analisis data terlebih dahulu dengan melakukuan perhitungan dengan rasio
keuangan yang digunakan sebagai variabel independent analisis diskriminan
Altman pada setiap perusahaan. Kemudian dengan analisis diskriminan dengan
menggunakan metode Altman Z-Score diketahui ternyata perbankan BUMN
konvensional dan syariah memiliki potensi kebangkrutan yang sama tetapi bank
syariah pada periode yang dipilih ternyata jauh lebih sehat dibandingkan bank
konvensionalnya. Diketahui NIM dan CAR tidak signifikan dalam memprediksi
potensi kebangkrutan bank hanya Credit Risk, Liquidity Risk dan ROA yang
dinilai lebih signifikan dalam memprediksi potensi kebangkrutan pada bank
konvensional dan bank syariah di Indonesia
Going Beyond Counting First Authors in Author Co-citation Analysis
Full text linkThe 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
Variations on the Author
Full text link“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
Full text linkWe 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
PENGARUH KUALITAS PRODUK, HARGA DAN BRAND TERHADAP KEPUTUSAN PEMBELIAN HANDPHONE REALME
Full text linkTujuan penelitian ini adalah untuk menganalisis sejauh mana factor kualitas produk, harga dan brand dapat mempengaruhi Keputusan pembelian handphone Realme. Metode pengumpulan data yang digunakan dengan menyajikan kuesioner kepada 97 responden. Teknik pengambilan sampel menggunakan purposive sampling, sedangkan teknik analisis datanya menggunakan software model SPSS. Hasil penelitian menunjukkan bahwa variabel kualitas produk, harga dan brand berpengaruh terhadap keputusan pembelian produk handphone Realme di Bireuen baik secara simultan maupun secara parsial. Dapat dilihat hasil dari koefisien determinasi besar nilai Adjusted R Square yaitu 0.780, hal tersebut dapat diartikan bahwa variabel kualitas produk, harga dan brand dapat memberikan pengaruh terhadap keputusan pembelian sebesar 78% pada Toko Erafone Bireuen sedangkan sisanya atau sebesar 22,00% dipengaruhi oleh faktor lain yang tidak diteliti pada penelitian ini
Dispelling the Myths Behind First-author Citation Counts
Full text linkWe 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
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