Penerapan "Balanced Scorecard" Padaanalisis Kelayakkan Sistem Informasi untuk Organisasi Pemerintah

Information systems are now a staple in the organization in supporting the implementation of operational activities. Application of information technology systems would be beneficial if the application in accordance with the objectives, vision and mission of the organization by implementing a strategy of information technology systems. The purpose of this paper is to provide insight for the perpetrators in government organizations in analyzing kelayakkan to an information system. In developing this paper information system using the theory of Balanced Scorecard. Stages of planning begins with determining the goals of the organization in implementing an information system. Surabaya BPPKI balanced scorecard uses four perspectives to address the needs of service desired. By applying the Balanced Scorecard can help actors in government agencies to determine that an information system is feasible

Eksekusi Terhadap Gadai Deposito Berjangka Pada PT. Bank Yudha Bhakti Cabang Medan

A debt deposit is a movable property and a pawned deposit object. Article 1154 of the Civil Code states that “in the case of a debtor is default, the creditor has the right to own the pawn property, and all contracts on this case are null and void.” A creditor's practical reason to execute a pawned deposit is by asking the debtor to make an unconditional power of attorney for him to cash the deposit underhandedly. A profound study is needed to be conducted in order to analyze the execution of a pawned time deposit since the regulation on pawned deposit has not been adequate so far, and there is no specific and detailed regulation on it. Moreover, the binding of a pawned time deposit made by both a creditor and a debtor is submitted to both of them, while the payoff is depended on their underhanded agreement. The underhanded agreement is made based on the principle of freedom to enter into a contract

Effectiveness of Credit Management for Maintaining Liquidity and Increasing Profitability

In credit distribution, bank has used the principle of 5C. However, the bank is still not optimally apply the whole principle 5C. To achieve an effective credit management then the bank must make improvements in the analysis of credit. Type of research method is descriptive. This research is used to determine the credit management applied PT. Bank Tabungan Negara ( Persero ) Tbk, includes : Credit application Process, Credit Approval Process, Supervision Credit and redemption Technique, and settlement of Troubled Credit. Finance ratio analysis are liquidity ratio include quick ratio, banking ratio ( asset to loan ratio, cash ratio, loan to deposit ratio) and profitability ratio include gross profit margin, net profit margin, return on equity capital, and return on total assets. The place to study a selected location where the research is PT. bank Tabungan Negara (persero),Tbk which is located at Jalan ade Irma suryani 2-4 Malang. In this study data collection methods used to collect the data required as follow documentation,it is a technique of gathering data by viewing and using report and record of the company.The conclusion of analysis result are Cash Ratio is good, Loan to Deposit Ratio ( LDR ) is good,Return on Equity ( ROE ) is good, Return on Asset (ROA) is good, and quick ratio is not good

Analisis Faktor Penyebab Tidak Optimalnya Terminal Bandar Raya Payung Sekaki di Kota Pekan Baru

Terminal Bandar Raya Payung Sekaki merupakan terminal terbesar dan terlengkap di Indonesia dengan jangkauan pelayanan ke seluruh wilayah Pulau Sumatera dan beberapa kota di Pulau Jawa yang terletak di Kota Pekanbaru, Provinsi Riau tidak berfungsi secara optimal. Untuk melihat faktor penyebab tidak optimalnya fungsi Terminal Bandar Raya Payung Sekaki dari beberapa aspek, maka analisis data dilakukan melalui beberapa pendekatan. Dari keseluruhan analisis tersebut diatas, diperoleh kesimpulan bahwa jika dilihat dari perencanaan Terminal Bandar Raya Payung Sekaki sesuai dengan rencana jangka panjang Kota Pekanbaru, pemilihan lokasi dinilai tepat karena sesuai dengan jaringan jalan menuju dan keluar Kota Pekanbaru. Sedangkan jika dilihat dari gambaran yang diperoleh dari hasil wawancara, penyebaran kuisioner, perhitungan traffic counting dan pengamatan langsung dilapangan yang menggambarkan persepsi masyarakat dan keadaan dilapangan, maka diperoleh kesimpulan bahwa faktor penyebab tidak optimalnya fungsi terminal adalah banyaknya pelanggaran-pelanggaran yang dilakuakan oleh pengemudi bus sehingga tumbuh terminal-terminal bayangan disekitar Terminal Bandar Raya Payung Sekaki akibat kurangnya peran dan kerjasama aparat pemerintahan dalam menegakkan peraturan. Dari hasil analisis kebijakan diperoleh temuan studi berupa adanya penyimpangan yang dilakukan oleh pemerintah sebagai pemberi izin berdirinya pool-pool bus AKAP (Antar Kota Antar Propinsi)/AKDP(Antar Kota Dalam Propinsi) disekitar Terminal Bandar Raya Payung Sekaki yang berubah fungsi menjadi terminal-terminal bayangan

The Determinant of Banking Efficiency in Indonesia (DEA Approach)

This research is aimed to analyze efficiency performance in banking industries in Indonesia within 2012-2014 period. Data Envelopment Analysis method was used to find determinant in Tobit regression model. Purposive sampling was used to determine samples with the number of companies up to 89 banks consist of 5 different groups. Those are 26 state and local government own enterprises, 6 foreign banks, 11 mixed banks, 19 BUSN Devisa, 27 BUSN non Devisa. Based on analysis result, obtained that the foreign banks has the efficiency the highest compared to a group of banks BUMN/BUMD ( the government banks), BUSN non-foreign exchange , BUSN foreign exchange , and a group of banks a mixture. Efficiency in banking influenced by return on assets (ROA). The higher roa will be able to improve the efficiency banks in Indonesia

Perilaku Pengendara Ojek (Studi Kasus Di Perumahan Gading Marpoyan Kecamatan Bukit Raya Kota Pekanbaru)

This research was conducted at Perumahan Gading Marpoyan Kecamatan Bukit Raya Kota Pekanbaru. The purpose of this research is to analyze the behavior of motorbike rider at Perumahan Gading Marpoyan Kecamatan Bukit Raya Kota Pekanbaru. The main focus in this study is the behavior of motorcycle traffic at Perumahan Gading Marpoyan Kecamatan Bukit Raya Kota Pekanbaru. The sample in this study amounted to 5 people. The author uses descriptive and qualitative methods of data are analyzed qualitatively and using purposive sampling technique. Data instruments are observations, in-depth interviews and documentation. From the research conducted, the authors found that the behavior of motorbike riders in traffic and serve the passengers are as follows :1. Precautions, In observing alertness, research subjects always pay attention to personal health and self condition so as not to bring bad impact for passengers. 2. Awareness, to pay attention to consciousness, passengers with the usual remember the nature of his work not only about the fulfillment of economic needs itself. 3. Anticipate, in increasing the quantity of work, motorbike rider need to pay attention to the condition of the body which must always be healthy and fit. Factors that influence motorbike rider behavior in traffic and serving passengers are as follows : Internal factors (Motivation, knowledge, skill, age and economy) and External factors (vehicle condition and environmental conditions)

Kejadian Infeksi Gonore pada Pekerja Seks Komersial di Eks Lokalisasi Pembatuan Kecamatan Landasan Ulin Banjarbaru

Penyakit menular seksual (PMS) yang dikenal dengan sebutan penyakit kelamin merupakan masalah kesehatan masyarakat. Angka PMS yang tertinggi disebabkan karena infeksi gonore. Gonore merupakan infeksi menular seksual yang disebabkan oleh Neisseria gonorrhoeae. Penelitian ini bertujuan untuk mengidentifikasi PSK yang terinfeksi gonore serta mengidentifikasi karakteristik PSK tersebut. Penelitian ini merupakan jenis survey deskriptif yang dilakukan pada PSK di eks lokalisasi Pembatuan Kecamatan Landasan Ulin Banjarbaru Periode September-Oktober 2011. Sebagai populasi dalam penelitian ini 206 orang PSK, yang mana pengambilan sampelnya diambil secara accidental sampling yaitu didapatkan besar sampel 68 orang PSK dengan bahan pemeriksaan yaitu sekret vagina PSK. Data dikumpulkan melalui wawancara, kuesioner dan hasil pemeriksaan mikroskopis, kemudian dihitung persentasenya untuk diolah dan dianalisis secara deskriptif. Hasil penelitian menunjukkan bahwa PSK yang terinfeksi gonore ada 9 orang (13,23%) dari 68 orang responden yang kebanyakan berusia 20-40 tahun sebesar 25,62%, berpendidikan SD/sederajat sebesar 11,76%, berstatus tidak berkeluarga sebesar 14,29%, alasan menjadi PSK karena masalah ekonomi sebesar 13,79%, lama menjadi PSK ≤ 1 tahun sebesar 15%, PSK yang berasal dari Jawa Timur sebesar 17,78%. Kesimpulan dari penelitian ini bahwa terdapat adanya infeksi gonore pada sampel sekret vagina PSK di eks Lokalisasi Pembatuan Kecamatan Landasan Ulin Banjarbaru yang diperiksa secara mikroskopis sehingga perlunya pengobatan pada penderita untuk mencegah terjadinya penularan penyakit serta adanya pembinaan dan pengawasan dari Dinas Kesehatan dan PKBI