The objective of this research was to find out the effect of banking credit in the sectors of agriculture and industry toward the agricultural and industrial growth sectors in South Sumatera. The data used in this study were secondary data “Time Series” (1990-2004) which were obtained from official publications and authorized institutions. The data were analyzed by using simple linear regre…
Tujuan utama dari studi ini adalah untuk menganalisa hubungan kausal antara kredit perbankan dan pertumbuhan ekonomi di kota Palembang selama periode 1994-2004. Data yang digunakan dalam studi ini adalah data skunder. Dengan memakai model kausalitas Granger yang diformulasikan dalam suatu persamaan regresi sederhana,menunjukkan hasil bahwa terdapat hubungan kausalitas dua arah antara kredit per…
Ada dua jenis sumber pembiayaan pembangunan nasional-kredit modal kerja sebagai sumber pembiayaan domestik dan hutang luar negeri sebagai sumber pembiayaan luar negeri. Penelitian ini bertujuan untuk mengetahui pengaruh kredit modal kerja dan hutang luar negeri terhadap pertumbuhan ekonomi Indonesia per triwulan dari tahun 2000 hingga tahun 2005. Berdasarkan hasil analisis regresi, kredit modal…
The future of Indonesian economic development will be focused in economic community development, one of the sector has been developed is micro credit. This sustainability of micro will exist even though economic crises happened, it’s because of producing fund of consumption things is more depend on non banking financing. The Government making the policy for each bank oblige to conduct communi…
Perkembangan pesat industri Fintech Peer to Peer (P2P) lending di Indonesia telah membuka akses pembiayaan yang lebih luas bagi masyarakat, namun memunculkan permasalah baru meningkatnya risiko gagal bayar dan Fluktuasi suku bunga. Oleh karena itu, Penelitian ini bertujuan untuk mengetahui pengaruh risiko gagal bayar terhadap pertumbuhan peer to peer fintech dan pengaruh suku bunga terhadap per…
Penelitian ini dilatarbelakangi pada perkara perdata Nomor 8/Pdt. G/2021/PN. Soe, dimana Majelis Hakim menjatuhkan putusan Niet Ontvankelijke Verklaard (N.O) atau menyatakan Gugatan Penggugat tidak dapat diterima karena Gugatan Penggugat terdapat cacat formil atau kabur (Obscuuribel), oleh karena itu pada penelitian ini akan menganalisis bagaimana pertimbangan hakim dalam memutuskan putusan N.O…
This research discusses the socio-economic changes in the lives of BTPN Syariah customers in sub-district 13 Ulu after the credit loan. There were changes after the people in sub-district 13 Ulu became familiar with the bank credit system. The occurrence of socio-economic changes certainly has an impact on society, this research aims to find out how the socio-economic changes in the lives of BT…
Rice farmers in facing the El Niño phenomenon must adopt adaptation strategies to prevent adverse impacts. The objectives of this study are: (1) to analyze the magnitude of changes in productivity and farmers’ income caused by the El Niño phenomenon in Pelabuhan Dalam Village, Pemulutan District, Ogan Ilir Regency; (2) to identify and describe the adaptation strategies implemented by rice f…
Permasalahan kredit macet di Indonesia masih tinggi. Prinsip Mengenal Nasabah merupakan upaya dasar dalam menanggulangi masalah kredit macet dan menggunakan prinsip mengenal nasabah sangat penting di dalam proses pelaksanaan pemberian kredit. Prinsip mengenal nasabah dalam pemberian kredit bank dengan jaminan hak tanggungan yang terjadi di Bank Sumsel Babel Cabang Kolonel Atmo Palembang sebagai…
The aim of writing this report is to analyze the credit application and assessment mechanism at PT Pertamina Patra Niaga, a subsidiary of PT Pertamina which is engaged in energy distribution, especially fuel. The credit application and assessment process at this company is very important to ensure that loans given to customers or business partners can be accounted for and have controlled risks.…
Penelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan kredit terhadap valuasi perusahan pada bank komersial asia pasifik. Penelitian ini menggunakan metode kuantitatif dengan jenis data sekunder yang diperoleh dari websit Moody’s analitys bank focus . Sampel yang diperoleh menggunakan teknik purposive sampling yakni perusahaan yang menyajikan laporan keuangan dari tahun 2018-2022. Hi…
Dilatar belakangi dengan bank menerapkan adanya jaminan sebagai syarat yang paling penting dalam memperoleh kredit karena adanya keyakinan kemampuan debitur dalam melunasi pinjamannya. Dalam konteks pembahasan ini, berkaitan dengan objek jaminan Hak Tanggungan berupa Sertifikat Hak Milik (SHM) berdasarkan Pasal 4 Undang-Undang No. 4 tahun 1996 mengenai objek Hak Tanggungan. Hak tanggungan merup…
Penelitian ini dilaksanakan di Desa Cinta Manis Baru Kecamatan Air Kumbang Kabupaten Banyuasin pada bulan Maret sampai dengan Mei 2013. Penelitian bertujuan untuk: 1) Mengukur partisipasi petani karet dalam memanfaatkan Koperasi Kredit Himpunan Usaha Bersama dalam usahatani karet di Desa Cinta Manis Baru Kecamatan Air Kumbang Kabupaten Banyuasin. 2) Mengukur tingkat pendapatan petani karet di D…
Keterpurukan bisnis bank yang terjadi akhir-akhir ini sejak pertengahan 1997 bukan semata-mata disebabkan karena adanya krisis moneter. Jika dilihat kembali, banyak bank mengalami kehancuran akibat diabaikannva prinsip-prinsip kehati-hatian, dan berlombanya masing-masing bank dalam raerebut nasabah. Rendahnya kualitas SDM yang mengeiola kredit menyebabkan kemampuan account officer dalam meiihat…
Menurut Pasal 1 angka 11 Undang-Undang No. 10 Tahun 1998 Kredit adalah penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasarkan persetujuan atau kesepakatan antara bank dengan pihak lain, yang mewajibkan pihak peminjam untuk melunasi hutangnya setelah jangka waktu tertentu dengan pemberian bunga. Permasalahan yang dikaji dalam skripsi ini adalah: (1) Faktor yang menjadi peny…
Copra processing is one form of agricultural business that processes coconut into copra. This business has been run by the owner of the copra business since 1985, and in 2017 the business was passed on to the next generation until now. The objectives of this study are (1) Calculating the income received during this copra business. (2) Describe the feasibility of copra business based on technica…
This study aims to (1) Describe the system of sharing the results of palm oil at the Suka Makmur KPKS Suka Damai Baru Village, Sungai Lilin District, Banyuasin Regency. (2) Calculating the amount of income received by oil palm farmers in Suka Damai Baru Village, Sungai Lilin District, Banyuasin Regency. (3) Identify and describe whether the management of oil palm plantations by KPKS satisfies t…
The aims of this study were (1) to find out what are the risks faced by rainfed rice farmers due to climate change in Lubuk Seberuk Village, Lempuing Jaya District, Ogan Komering Ilir Regency. (2) Analyze the level of risk production and income of rainfed rice farmers in conducting rice farming in Lubuk Seberuk Village, Lempuing Jaya District, Ogan Komering Ilir Regency. (3) Knowing how the beh…
The purpose of this study is to 1) Analyze and calculate IP300 farm income for farmers and non-users of Combine Harvester technology in Sri Gading Village, Lalan District, Musi Banyuasin District, 2) Analyze how large the workforce allocation is for farmer users and non-users of Combine Harvester technology in IP300 farming in Sri Gading Village, Lalan District, Musi Banyuasin District. The res…
Penelitian ini menganalisis apa saja yang dapat mempengaruhi pertumbuhan kredit pada Bank Umum yang ada di Indonesia dengan menggunakan teknik Purposive Sampling memilih 7 Bank Umum di Indonesia dengan modal yang dimiliki pada bank tersebut minimal 30 Triliun. Adapun sample bank yang dipilih ialah Bank BRI, Bank BNI, Bank Mandiri, Bank BCA, Bank CIMB Niaga, Bank Panin dan Bank Danamon. Metode y…
ABSTRACT THE EFFECT OF THE PEOPLE'S BUSINESS CREDIT SUBSIDY PROGRAM ON INCREASING MSME PROFIT IN THE CITY OF PALEMBANG By: M. Doni Tri Utomo, Didik Susetyo, Anna Yulianita The purpose of this study was to determine the effect of the People's Business Credit (KUR) subsidy program on increasing MSME profits in the city of Palembang. The population in this study were MSMEs in Palembang City who re…
Bad loans are loans that have difficulty in repayment due to intentional factors or conditions beyond the ability of the debtor. This type of research is a case study that uses a descriptive qualitative approach. Methods of data collection by conducting questionnaires and documentation. The sample used in this study found 50 respondents who are also members of the Business Development Savings a…
The purposes of research were (1) To describe the process of processing watter apple syrup in MSME in Arisan Gading Village, South Indralaya Sub-District, Ogan Ilir Regency (2) To Analyze of the added value received from the diversification process of watter apple syrup products at MSME in Arisan Gading Village, South Indralaya Sub-District, Ogan Regency. Ilir and (3) To Analyze the MSME develo…
The aims of this study were (1) determine the effect of member participation on the success of cooperative efforts, (2) analyze the effect of service quality on the success of cooperative business, (3) analyze the effect of member participation and service quality together on the success of cooperative efforts. This research was conducted in Muliasari Village, Tanjung Lago District, Banyuasin R…
The Covid-19 pandemic has greatly affected Micro, Small and Medium Enterprises (MSMEs), people choose to stay at home and comply with the recommendations of the government, so that MSMEs experience a decrease in sales as a result of which MSMEs who are unable to adjust during the Covid-19 pandemic will gradually experience a decrease in income until they have to close their businesses. Therefor…