Factors That Determine the Credit-lending Feasibility on Kopaas Hippatas

Banking and non-banking financial institutions entrench within their credit-lending policy the feasibility standards for their debtor candidates. Standards and procedures are established to avoid upcoming problematic credits, for example happened when a debtor is unable to pay the credit. The objective of this research is to identify factors that affect debtor's feasibility in getting a loan/credit. For its study focus, this research uses Kopaas Hippatas a cooperative in Tasikmalaya. The influential factors are acquired using discriminant analysis. Discriminant analysis enables the authors to clearly identify the differences and to classify debtor candidates into potential non-problematic and problematic in the term of paying the loan. The analysis corroborates four factors in determining credit lending of Kopaas Hippatas, i.e. credit amount, debtor age, number of dependant and settled installments; also affirmed in this study are two predictors, i.e. number of dependant and proposed credit amount. Credit amount is confirmed as the most dominant and significant factor in categorizing the debtor behavior in term of paying the credit

Pengaruh Lokasi Dan Kualitas Pelayanan Terhadap Keputusan Nasabah Untuk Menabung Di BMT Sumber Mulia Tuntang

This study discusses the influence of the quality of services consisting ofreliability, responsiveness, assurance, empathy and tangibles as well as thelocation of BMT and variables are the most significant influence on thecustomer\u27s decision to save in BMT Sumber Mulia. The method used in thisstudy is a quantitative approach, with the amount of the sample was 30respondents. The sampling technique used accidential sampling by applyingis linear regression analysis, which previously conducted validity and reliability. Based on these results, we can conclude. First, there was a significant effect of the quality of service which consists of reliability, responsiveness, assurance, empathy, and tangibles on saving decisions. This is evident from the results of the t test with a value of t count > t table at the 5% significance level reliability (3.838 > 1.7011), responsiveness (2.121 > 1.7011), assurance (3.062 > 1.7011), empathy (4.760 > 1.7011), and tangibles (3.290 > 1.7011). There is a significant influence on the customer decision to save their money in BMT. Based on it location as the t test results are t count > t table (3.480 > 1.7011), with a significance level of 5%. Third, empathy variables are variables that provide the dominant influence on the customer\u27s decision to saving. It can be seen from the significance value (0.000) is more significant than other variables. Then proceed with the reliability variables with a significance value (0.001), the variable of location (0,002), tangibles (.003), assurance (0.005) and responsiveness with a significance value (0.043). This means that the willingness of employees and managers are more concerned with to draw customer attention on saving their mone

Pengakuan Dosa [Sopir] A[ng]ku[n]tan Pendidik: Studi Solipsismish

Kegagalan dalam pendidikan akuntansi sering mengkambinghitamkan aspek filosofi, sistem pendidikan, proses pembelajaran, dan bahkan menyalahkan mahasiswa akuntansi itu sendiri. Penelitian ini mendedahkan bahwa kunci untuk memperbaiki pendidikan akuntansi harus dimulai dan dipicu oleh dosen. Melalui studi solipsismish, kami (sebagai dosen akuntansi) mengeksplorasi 'dosa-dosa' sebagai dosen dengan metafora 'kejar setoran' berbasis pengalaman reflektifitas pengemudi angkutan umum, didukung oleh studi empiris satu semester. Jadwal padat mengajar dan ragam aktivitas lainnya, tidak hanya sebagai pengampu mata kuliah, telah menghunjamkan rasa bersalah di hati terhadap proses belajar mahasiswa dan keseluruhan sikap yang mahasiswa tunjukkan. Hal ini mendesakkan tuntutan tentang perlunya membangkitkan kesadaran dosen (akuntansi) bahwa profesi ini tidak sama dengan " sopir angkot " yang (hanya) peduli pada pemenuhan jadwal, bahan pembelajaran dan juga honor mengajar. Agenda berikutnya pasca penyadaran timbul adalah langkah aksi. Sebuah solusi konkrit mengacu pada agenda Perhimpunan Indonesia pada tahun 1925 diajukan, yang berakhir pada konfirmasi tentang ideologi nasionalisme Indonesia

Perencanaan Penentuan Kebutuhan STI pada PT Indonesia Magma Chain

PT Indonesia Magma Chain is a chain and conveyor maker company located in Demak, Central Java. PT Indonesia Magma Chain already invested in system and information technology (SIT) to manage reservations and sales transactions. But it can not run well, because the company is not doing a good plan at the time of SIT investment, such as providing applications that can not accommodate the needs and business procces of the PT Indonesia Magma Chain. Based on the above issues, the planning indentifying of the SIT requirements at PT Indonesia Magma Chain using method from John Ward and Joe Peppard, and SWOT analysis that will produce an application portfolio that is divided into 4 quadrants of McFarlan Strategic Grid and a road map of the SIT for 2 years starting from 2017 to 2018

Pre and Post Mount Merapi Eruption of Free Air Anomaly in 2010

Mount Merapi eruption in 2010 was one type of eruption with large scale during the last 100 years. Eruptions that was occurred resulting topographic changes in the peak of Mount Merapi, and the possibility of changing the subsurface structure. The research was part of a large study that has been conducted to assess the subsurface changes of pre-and post-eruption of Mount Merapi in 2010. The study discussed observations of free air anomalies pre and after the 2010 eruption. There were grouped into three periods. Processing of air anomalies was free to use using the 2nd orde calculation method. The results obtained were the changes in the contours of the FAA Mount Merapi in 1988, 1998, and 2011 as a result of topographic changes that occurred in the peak area and the alleged dynamics of the surface. The dynamics at Mount Merapi in the 1988 to 2011 period occurred in the northwest, southeast, east, and northeast of the study area and southeast of the peak of Mount Merapi

Analisis Kinerja Simpang Tirto Agung Dan Simpang Jalur Masuk Keluar Tol Seksi B Semarang

Tirto Agung Intersections and the ramp Intersection of Section B Semarang Toll, they located in Prof. Soedarto, SH Street. The third intersection is an unsignalized intersection and has high traffic volume because it is one\u27s access to education and a fairly dense residential area. Other that there is u-turn between ramp intersection Toll Road Semarang Section B dan Tirto Agung intersection that densely. With the problem affects the performance of the fall in traffic intersections. The purpose of this study was to analyze the performance and determine the pattern of traffic movements at each intersection. Primary data were collected by direct observation and survey on all three intersections. The observed data are geometric intersection, intersection volume, vehicle speed, long queues of vehicles, number of vehicles turning, turning vehicle duration, the identification of origin purpose from vehicle. The data obtained are used to analyze the performance of the intersection on the analysis of existing conditions and vehicle turning direction. The method of calculating the performance of intersections refer to Indonesia Jalan Capacity Manual 1997. The research results which are shown the greatest degree of saturation is the entrance intersection of Section B Semarang Toll with the analysis results 0,92 on existing condition. The degree of saturation can be falsified into 0,74 with a median implement an alternative solution extends the reach of Section B pathway Semarang Toll Road and broadening Prof. Soedarto, SH being 15.80 meters. But this solution only lasted two years only, so it becomes less meaningful

Human Behaviour in Keeping Dogs and Its Relationship to Rabies

This study was a qualitative study that conducted in Bali, Indonesia. Bali has been an endemic of rabies since 2008. Many factors have been related to rabies. One of them is human behavior. This research was focused on human behavior in keeping dogs and its relationship to rabies. The study was conducted in 3 villages at Buleleng regency where positive rabies dogs have been found in 2017. There was a high population of dogs in the villages, and most of them lived wildly. Data were collected through document review, interview, and direct observation. After being collected, they were analyzed using content analysis. Results of this research show that most of the villagers had been aware of rabies, but has got poor knowledge about it. They did not know how to prevent it, especially on how to threat wound caused by rabies dogs\u27 bite. Furthermore, the villagers did not give any vaccine to their dogs. They only waited for the vaccine officer from the government to come to their house. The main problems in preventing rabies, related to human behavior, based on this research are: 1) lack of village\u27s leaders involvement, especially in controlling and administering prevention program, 2) lack of people respond in controlling dogs population and dogs mobility, 3) lack of active participation of dogs owners to vaccinate their dogs and 4) lack of people knowledge about PEP procedures