Faktor 5C dalam Pembiayaan Kepemilikan Rumah di Bank BJB Syariah Kantor Cabang Pembantu Rancaekek

2021 ◽  
Vol 4 (2) ◽  
pp. 36-46
Author(s):  
Ida Rapida Djachrab
Keyword(s):  
Qualitative Data ◽  
Home Ownership ◽  
Study Data ◽  
Literature Study ◽  
Government Regulations ◽  
Customer Information ◽  
Ownership Status ◽  
Customer Capital ◽  
Curriculum Vitae ◽  
Detailed List

This study aims to provide an overview of the procedure for submitting financing and the application of the 5C principle (character, capacity, capital, collateral, condition) in Bank bjb Syariah Rancaekek in financing iB Maslahah homeownership.This type of research is descriptive qualitative. Data collection techniques through observation, interviews, literature study, and documentation study. Data analysis used Miles and Huberman interaction.The research results show that the iB Maslahah home ownership financing in Islamic bank bjb has implemented the 5C aspect. However, of the five aspects, the dominant one taken into consideration is the character aspect. Analysis of character aspects is carried out through curriculum vitae, customer reputation in the work environment, conducting bank to bank information, looking for customer information in the neighborhood where he lives, looking at customer responsibilities, family circumstances, customer hobbies. Capacity is a slip or a detailed list of the customer's salary, other business fields owned, savings and current accounts related to the business carried out by the customer. Capital through the ownership status of the house where the previous customer lived, the type of transportation or vehicle the current customer has savings or savings owned. Collateral through collateral in the form of a house to be purchased by a customer with a loan from a bank. Condition through conjunctive conditions, government regulations, world political and economic situations, and other conditions that affect the market.

scholarly journals ANALISIS PELAKSANAAN FUNGSI PENGAWASAN INSPEKTORAT TERHADAP PENYELENGGARAAN PEMERINTAHAN PROVINSI PAPUA

2019 ◽  
Vol 4 (2) ◽  
Author(s):  
Suparmi Suparmi
Keyword(s):  
Significant Influence ◽  
Quantitative Data ◽  
Qualitative Data ◽  
Secondary Data ◽  
Study Data ◽  
Dominant Factor ◽  
Literature Study ◽  
Standard Assumption ◽  
Analysis Techniques ◽  
Individual Supervision

This study aims to obtain a clear picture of the effects of supervision which consists of routine supervision, individual supervision, and monitoring of the administration of Papua Province.The type of data used is qualitative data and quantitative data. Primary and secondary data is the source of the data used. Data collection techniques used are field data and literature study data. The study was conducted using qualitative analysis techniques and quantitative analysis consisting of research instrument tests, standard assumption tests, and multiple regression analysis.The results showed that the routine supervision variable partially had a significant influence on the administration of the Papua Province. While the special supervision and partial monitoring variables do not have a significant effect on the administration of the Papua Province. Variables of routine supervision, individual supervision, and simultaneous monitoring have a significant influence on the administration of Papua Province.The routine supervision variable is the most dominant factor influencing the administration of Papua Province.

Literature Study –Data Mining Techniques on Detecting Fradulent Activities in Credit Card

2017 ◽  
Vol 6 (10) ◽  
pp. 60
Author(s):  
S. K. Saravanan ◽  
G. N. K. Suresh Babu
Keyword(s):  
Data Mining ◽  
Credit Card ◽  
Data Transfer ◽  
Study Data ◽  
Time Requirement ◽  
Literature Study ◽  
Data Mining Techniques ◽  
Online Transactions ◽  
Secured Data ◽  
Credit Card Usage

In contemporary days the more secured data transfer occurs almost through internet. At same duration the risk also augments in secure data transfer. Having the rise and also light progressiveness in e – commerce, the usage of credit card (CC) online transactions has been also dramatically augmenting. The CC (credit card) usage for a safety balance transfer has been a time requirement. Credit-card fraud finding is the most significant thing like fraudsters that are augmenting every day. The intention of this survey has been assaying regarding the issues associated with credit card deception behavior utilizing data-mining methodologies. Data mining has been a clear procedure which takes data like input and also proffers throughput in the models forms or patterns forms. This investigation is very beneficial for any credit card supplier for choosing a suitable solution for their issue and for the researchers for having a comprehensive assessment of the literature in this field.

Pengaruh Konversi Lahan terhadap Strategi Pemanfaatan Modal Nafkah Rumah Tangga Buruh Tani

2020 ◽  
Vol 4 (3) ◽  
pp. 407
Author(s):  
Hesti Prastiwi ◽  
Martua Sihaloho
Keyword(s):  
Qualitative Data ◽  
Rice Fields ◽  
Livelihood Strategies ◽  
Quantitative Approach ◽  
Survey Method ◽  
Land Conversion ◽  
Literature Study ◽  
Irrigated Rice ◽  
Sustainable Food ◽  
The Impact

Lahan merupakan salah satu sumber daya agraria yang sangat penting bagi petani dikarenakan lahan merupakan salah satu sumber untuk bertahan hidup. Sesuai dengan Undang-Undang Dasar Nomor 41 Tahun 2009 tentang Perlindungan Lahan Pertanian Pangan Berkelanjutan. Pembangunan yang terjadi di Indonesia semakin masif, menimbulkan konversi lahan bersifat permanen ketika lahan sawah beririgasi berubah menjadi kawasan pemukiman atau industri. Konversi lahan yang terjadi menyebabkan hilangnya beberapa atau seluruh modal nafkah yang ada. Perubahan modal nafkah ini akan mengakibatkan perubahan strategi nafkah petani. Penelitian ini bertujuan untuk menganalisis dampak konversi lahan terhadap strategi nafkah dan pengaruh pemanfaatan  modal nafkah  terhadap strategi nafkah rumah tangga. Lokasi penelitian ini yaitu Desa Pasirgaok, Kecamatan Rancabungur, Kabupaten Bogor. Metode yang digunakan untuk menggali fakta, data, dan informasi dalam penelitian adalah pendekatan kuantitatif melalui metode survei dengan kuesioner yang didukung oleh data kualitatif melalui wawancara dan studi literatur hingga diperoleh hasil bahwa dampak konversi lahan mempengaruhi modal dan strategi nafkah.Kata Kunci: buruh tani, konversi lahan, modal nafkah, strategi nafkah=====ABSTRACTLand is one of the most important agrarian resources for farmers because land is one source of livelihood survival. According to Constitution Number 41 Year 2009 on concerning The Protection of Sustainable Food Agriculture. The development that is taking place in Indonesia is increasingly massive leading to permanent land conversion when technical irrigated rice fields change into residential or industrial areas. The land conversion that occurs causes a loss of some or all existing livelihood asset. This change in livelihood asset will result in a change in farmers livelihood strategies. This study aims to analyze the influence of the impact of land conversion towards livelihood strategies and the influence of the utilization of livelihood asset towards the livelihood strategies households. The location of this research is Pasirgaok Village, Rancabungur District, Bogor Regency. The method used to extract facts, data, and information in the research is the quantitative approach through survey method with questionnaires supported by qualitative data through interview and literature study until it is obtained that the impact of land conversion towards landless farmer household’s assets and livelihood strategies.Keywords: land conversion, landless farmer, livelihood asset, livelihood strategies

Kebijakan Badan Narkotika Nasional Dalam Penanggulangan Narkoba Wilayah Perbatasan

2020 ◽  
Vol 3 (1) ◽  
pp. 20-31
Author(s):  
Novana Veronica Julenta Kareth ◽  
Reni Shintasari
Keyword(s):  
Central Government ◽  
Descriptive Analysis ◽  
Study Data ◽  
Eastern Region ◽  
Analysis Model ◽  
Literature Study ◽  
Qualitative Descriptive ◽  
Multi Stakeholder ◽  
Collection Methods

This paper aims to determine the policies implemented by the Papua National Narcotics Agency against drug trafficking. This article is a qualitative descriptive study. Data collection methods through interviews and literature study. Data analysis using descriptive analysis model. The results showed that the role of BNN Papua is very central in the eastern region and the Indonesian border. The policies that have been planned by BNN with multi-stakeholder have been implemented, but the new modes adopted by the international network vary. The drug subscription policy cannot be carried out by one institution only, it needs to be supported by other government agencies and the community. The need for a serious role for the regional and central government in both preventive efforts and subscription programs in synergy with the Papua Provincial BNN.

Model Pemberdayaan Masyarakat di Kabupaten Purbalingga: Dinamika Program dan Reorientasi Kebijakan Pengembangan

2012 ◽  
Vol 10 (2) ◽  
pp. 179-191
Author(s):  
Renny Savitri
Keyword(s):  
Community Development ◽  
Positive Impact ◽  
National Policy ◽  
Study Data ◽  
Field Trips ◽  
Exploratory Research ◽  
Development Programs ◽  
Literature Study ◽  
Decentralization Policy ◽  
Empowerment Practice

The decentralization policy has long been implemented in Indonesia, but issues related to community development was still a serious problem. Hence the concept of community-based development became the most attentive development concept meantime. This study was conducted in 2010 in Purbalingga Regency. This study used descriptive and exploratory research method. Data collection was done through in-depth interviews, discussions, field trips, and literature study. Data obtained were analyzed using qualitative research methods. The result shows that the implementation of regional autonomy increased empowerment practice both in quantity and quality. Developing empowerment models are Program PNPM Mandiri Pedesaan, TMMD, PKP, Puspahastama, and Desa Sehat Mandiri. Implementation of community development programs generates a positive impact on society both physical and nonphysical. Many problems encountered in community development programs, for instance in terms of the policy, planning, implementation, financial, human resources, and coordination. Amongst all those problems, we expected that in the future there will be a national policy which able to integrate and synergize all government levels and units, and also stakeholders in the implementation of community development programs.

scholarly journals Private retirement resorts in South Africa: Guidelines for wellness and sustainability in the long term.

2013 ◽  
Vol 32 (1) ◽  
Author(s):  
Andries C. Hauptfleisch
Keyword(s):  
South Africa ◽  
Knowledge Base ◽  
Quantitative Data ◽  
Qualitative Data ◽  
Well Being ◽  
The Other ◽  
Literature Study ◽  
Optimal Profile

Unsubsidised private retirement resorts in South Africa developed during the last three decades present residents with many challenges. There is no existing generally accepted knowledge base or guidelines to serve this sensitive market. The research objective was to establish which elements are experienced by residents of retirement resorts as satisfactory and which as problematic. A literature study was also undertaken. Quantitative as well as qualitative data were obtained by means of structured questionnaires, interviews and a seminar. The results reported pertain to eight resorts in the east of Pretoria, four in Bloemfontein and two in Knysna. The study is currently being extended to other centres. The quantitative data is arranged in order of the priorities set by the biggest group (Pretoria), with the other groups in comparison. So the research was based on the sourcing of quantitative and qualitative data, as well as on descriptive evaluations. The results offer insightful knowledge and guidelines towards establishing an optimal profile for the development of long-term sustainable private retirement resorts. The implications and value of this study are that both developers of retirement resorts and prospective residents are provided with guidelines to better equip them to evaluate a specific retirement resort with regard to the sustainable well- being of residents long-term.

International benchmarking for performance improvement in construction safety and health

2016 ◽  
Vol 23 (4) ◽  
pp. 916-936 ◽  
Author(s):  
Lance W. Saunders ◽  
Andrew P McCoy ◽  
Brian M. Kleiner ◽  
Helen Lingard ◽  
Tracy Cooke ◽  
...  
Keyword(s):  
Qualitative Data ◽  
Construction Safety ◽  
Study Data ◽  
Worker Safety ◽  
Potential Hazard ◽  
Content Type ◽  
Safety And Health ◽  
The Usa ◽  
Project Lifecycle

Purpose – The purpose of this paper is to advance knowledge on the advantages of integrating safety earlier in the construction project lifecycle. Design/methodology/approach – A case study approach is used to collect data from construction sites in the USA, which performs poorly in construction safety and health, and Australia (AU), which performs well in construction safety and health. Qualitative data are collected to determine how and when safety is considered in the project lifecycle in both countries, and then the results are benchmarked to determine the benefits of addressing safety earlier in the process. Findings – Data show that addressing a potential hazard earlier in the project lifecycle has performance benefits in terms of the level of hazard control. Research limitations/implications – The processes that are identified as possibly explaining the performance difference are just based on qualitative data from interviews. Targeted research addressing the relationship between these processes and safety outcomes is an opportunity for further research. Practical implications – The case study data are used to identify specific processes that are used in AU that might be adopted in the USA to improve performance by integrating safety earlier into the decision-making process. Social implications – This paper highlights the advantages of integrating safety as a decision factor early in the process. Worker safety is not just an issue in the construction industry, and thus the findings are applicable to all industries in which worker safety is an issue. Originality/value – This paper advances the safety in design literature by quantitatively supporting the link between when a hazard is addressed and performance. It also links the results to specific processes across countries, which advances the literature because most research in this area to data is within a single country.

scholarly journals Nilai Pendidikan Tattwa Pada Tutur Parakriya

2020 ◽  
Vol 4 (1) ◽  
pp. 14
Author(s):  
I Wayan Arya Adnyana
Keyword(s):  
Data Collection ◽  
Data Processing ◽  
Qualitative Data ◽  
Primary Data ◽  
Literature Study ◽  
Data Collection Methods ◽  
Primary Data Source ◽  
Library Research ◽  
Data Source ◽  
Collection Methods

<p><em>This study aims to: increase a deeper understanding of the value of tattwa education in Tutur Parakriya. This data is obtained using a method, and this method must also be precise so that the data obtained can be accurate and support the research results. This type of research is qualitative because it is a text research or library research whose primary data source is Tutur Parakriya which has been transcribed into text / text form. Literature study and interviews are used as data collection methods and then descriptive qualitative data processing is performed. As far as researchers know, no one has researched about this papyrus, so it is only based on text / text transcripts. This research uses the concept foundation to describe the problems to be discussed, and as a scalpel uses the theory of meaning and hermeneutic theory.</em><em> </em><em>The results of Tutur Parakriya's research contain the value of tattwa education, that is advice or advice to teach Hindus to be able to get the perfection of birth and mind.</em></p>

scholarly journals Konstruksi Isu Aktual Bidang Ketahanan Nasional Untuk Pengembangan Isi Pendidikan Kewarganegaraan Persekolahan

2018 ◽  
Vol 24 (3) ◽  
pp. 342
Author(s):  
Sri Haryati
Keyword(s):  
Data Collection ◽  
Civic Education ◽  
Sampling Technique ◽  
Study Data ◽  
Literature Study ◽  
Purposive Sampling ◽  
Security Issues ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Political Economic

ABSTRACTThisi study was aimed at to constructed the actual issues of national resilience ini thei developmenti of educational content of civici educationi as a description of knowledge about the actual issue of citizenship in the national resilience studies asi thei content of civici educationi in school.The research used qualitative descriptive approach. Source of informant data with purposive sampling technique, relevant document and literature study. Data collection was done throughi in-depthi interviewsi, FGD, iobservation, and documenti studyi. The validity of data was done by triangulation process of source and method. iData analysisi was done byireduction, data ipresentation, and iconclusion.Thei resultsi showedi thati the description of the content of civic education was based on the actual issues of national resilience concerning ideological, political, economic, socio-cultural and security issues in the form of basic competence study which translated into indicators to achieved the objectives of basic competence. Based on idataianalysis, it wasiinecessary to studiedi theiactual issue of national resilience to supported the content of civic education education in schoolABSTRAKPenelitian ini bertujuan untuk mengkonstruksi isu aktual bidang ketahanan nasional dalam pengembangan isi pendidikan kewarganegaraan persekolahan berupa deskripsi pengetahuan tentang isu aktual kewarganegaraan bidang ketahanan nasional sebagai isi pendidikan kewarganegaraan persekolahan.Penelitian menggunakan pendekatan deskriptif kualitatif. Sumber data informan dengan teknik purposive sampling, dokumen dan kepustakaan yang relevan. Data dikumpulkan dan diolah dengan cara wawancara mendalam, FGD, observasi, dan studi dokumen. Validitas data dilakukan melalui proses trianggulasi sumber dan metode. Data dianalisis melalui reduksi data, pemyajian data, dan penarikan kesimpulan.Penelitian ini menemukan rumusan tentang deskripsi isi pendidikan kewarganegaraan berdasarkan isu aktual bidang ketahanan nasional yaitu tentang isu-isu ipoleksosbudhankam berupa kajian kompetensi dasar yang diterjemahkan menjadi indikator-indikator untuk mencapai tujuan dari kompetensi dasar tersebut. Berdasarkan analisis data, diperlukan kajian isu aktual ketahanan nasional untuk mendukung isi pendidikan kewarganegaraan persekolahan

scholarly journals Differences in Mathematic Connection Abilities and Self-Efficacy between Students Given Approaches Realistic Mathematics with the Approach Inquiry at Senior High School 2 Tanjung Morawa

2020 ◽  
Vol 3 (3) ◽  
pp. 1489-1500
Author(s):  
Khairina Hazrati ◽  
Ani Minarni ◽  
W. Rajagukguk
Keyword(s):  
High School ◽  
Self Efficacy ◽  
Study Data ◽  
Senior High School ◽  
Literature Study ◽  
Advantages And Disadvantages ◽  
Realistic Mathematics ◽  
Inquiry Approach ◽  
The Difference ◽  
Math Problems

This study aims to determine how the difference between mathematical connections and self-efficacy between students who are given a realistic mathematics approach with an inquiry approach at Senior High School  2 Tanjung Morawa. The sample used in this study was Senior High School  2 Tanjung Morawa. With the method of collecting literature study data. The method used is literature study. The results of this study indicate that the overall approach to mathematics is realistic and inquiry, each of which has advantages and disadvantages, but in this study a good approach to use in students' ability to solve math problems is the inquiry approach, because with the inquiry approach students can be more active, and have ideas in solving math problems.

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