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All Journal FKIP e-PROCEEDING Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Populika Al-Zayn: Jurnal Ilmu Sosial & Hukum Amar: Jurnal Ilmiah Hukum
Wisnu Ardytia
Universitas 17 Agustus 1945 Banyuwangi
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Restructuring House Financing (KPR) Due to the Impact of the Covid-19 Pandemic at Pt Bank Tabungan Negara (Persero) Tbk KC Banyuwangi Agnes Pasaribu; Wisnu Ardytia
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.4943

Abstract

Banks as financial institutions can collect funds from the public and channel them back to the community in the form of credit. One of the services provided by BTN KC Banyuwangi is a home financing loan. There are times when credit is disbursed by troubled banks due to various factors, one of which is being affected by the COVID-19 pandemic, causing debtor customers to default, so credit restructuring is needed. The question of this research is how to apply the regulation of POJK No. 11/2020 to the restructuring of housing loans at PT BTN KC Banyuwangi and the legal consequences of the restructured credit agreements. This research uses empirical and normative juridical methods, where the application of research is through literature studies, documentation and interviews. Data processing performs editing, coding and analysis. The results of the study concluded that the restructuring of KPR BTN KC Banyuwangi was carried out referring to PBI Number 8/2/2006 and POJK Number 11/2020, namely by taking into account the quality of productive assets, customer good faith and selecting the right rescue strategy target, namely the period of delaying payments for 6 month to 1 year. The legal consequence of the addendum to the financing contract is that it is in addition to the initial financing contract, so that the provision of the initial financing contract is still enforced as a binding condition for the parties.
Development of Banjar Village Community Culture through OCF (Osing Culture Festival) As a Tourism Village Promotion Ardytia, Wisnu; Imaniar, Dimas; Wahyudiono, Andhika
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 4 (2021): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i4.3493

Abstract

A qualitative method with an ethnographic approach is used in this study. The results of this study indicate that the implementation of the cultural development of the Banjar community is carried out by mapping the potential of natural and environmental resources, developing the potential and capabilities of human resources at the village level as a dynamist of the village economy, and empowering local communities in managing the potential of their villages to increase added value. The main problem is the low progress of the village which is considered a tourist village. From several villages in Banyuwangi, there are still villages that are poor and have not been eradicated by poverty alleviation programs. Given the importance of productivity development in the context of economic development and growth, this research problem is formulated to what extent the development of community culture is able to become the basis for developing tourism economic productivity which is specifically explained: (1) based on the characteristics of community cultural development, with three main variables namely culture , social and economic, (2) set indicators of the success of community cultural development, and (3) formulate strategies for the use of community cultural development in Banjar Village.
Co-Authors Agnes Pasaribu Demas Brian Wicaksono Dimas Imaniar Etis Cahyaning Putri Imaniar, Dimas Irwan Kurniawan Soetijono Mohammad Hirzal Hakiki Nugroho, Julian Rizal Dwi Rizki Bachtiar, Farid Rudi Mulyanto Soetijono, Irwan Kurniawan Soetijono, Irwan Kurniawan Wahyudi Ikhsan Wahyudiono, Andhika