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Analisis Dampak Kebijakan Stimulus Covid–19 melalui Restrukturisasi Kredit pada Permodalan dan Likuiditas Perbankan dan BPR emilda emilda; Meilin Veronica
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 13 No. 2
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v13i2.2716

Abstract

The new variant of COVID-19, namely the delta variant, has made the impact of the coronavirus disease 2019 (COVID 19) pandemic continue. Government policies that are still implementing Community Activity Restrictions (PPKM) have resulted in several business actors and employees experiencing a decline and even losing their income during the Covid-19 pandemic. The issuance of the POJK is an anticipatory and follow-up measure against a potential decrease in the debtor's capacity to pay debts to the bank. As a form of this anticipatory and follow-up effort, the Financial Services Authority (OJK) extended the term of the bank credit restructuring policy from March 2022 to March 2023. Credit restructuring is an effort to improve credit activities for debtors who have the potential to experience difficulties in fulfilling their obligations. If the term of the credit/financing restructuring agreement expires before March 31, 2023, then the credit/financing can be determined as having the quality of Current to. end of the term of the restructuring agreement. Credit restructuring will indeed maintain the quality of banking assets. This is because restructured loans will automatically run smoothly. However, the restructuring costs will add to the bank's burden and could disrupt bank capital and liquidity. Based on the results of the analysis, the capital and liquidity levels of Commercial Banks, Conventional Commercial Banks (BUK), and Rural Banks are still adequate and very good, This can be seen from the great value of the CAR and LDR ratio amid increasing credit risk and decreasing profitability in line with economic activity who have not recovered as a result of the conditions of the Covid-19 pandemic.Keywords: Covid - 19 stimulus policy, credit restructuring, capital, liquidity, banking and Rural Banks
ANALISIS PENGETAHUAN MASYARAKAT TENTANG PEMANFAATAN TANAMAN OBAT KELUARGA (STUDI KASUS KELURAHAN SITUGEDE, KECAMATAN BOGOR BARAT) Emilda Emilda; Muslihatul Hidayah; Heriyati Heriyati
Sainmatika: Jurnal Ilmiah Matematika dan Ilmu Pengetahuan Alam Vol. 14 No. 1 (2017): Sainmatika : Jurnal Ilmiah Matematika dan Ilmu Pengetahuan Alam
Publisher : Universitas PGRI Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (396.36 KB) | DOI: 10.31851/sainmatika.v14i1.1106

Abstract

This study aims to analyze the knowledge and perceptions of the community in Kelurahan Situ Gede Kota Bogor on the use and cultivation of medicinal plants for the development of the TOGA program. The study was conducted in four stages, namely the first stage of collecting secondary data in the form of library, population data, etc. The second phase conducted a field survey and in-depth interviews with respondents, followed by the third stage taking data of medicinal plants planted in the vicinity of community housing Situ Gede Village. And the fourth stage to process and analyze all data obtained in the previous stage. Based on the results of research known that community knowledge of the species and benefits of Family Medicinal Plants (TOGA) is quite high. Identified 83 plant specieses from 44 families have been known to the community as medicinal plants. Respondents' perceptions of positive medicinal plants are considered safe medicinal plants, has no side effects, cheap, practical because it is found around the house and the the efficacy is felt. But this perception is not in line with the tendency of society in treating illness. Generally respondents are more likely to use chemical drugs from both doctors and drug stalls. Community knowledge about medicinal plants can be increased to expand the utilization of medicinal plants in the community. Among the knowledge about the chemical content of each part of medicinal plants, post-harvest processing, dosage of use etc.Key words : knowledge, utilization, perception, medicial plant, survey ABSTRAK Penelitian ini bertujuan untuk menganalisis pengetahuan dan persepsi masyarakat di Kelurahan Situ Gede Kota Bogor tentang pemanfaatan dan budidaya tanaman obat untuk pengembangan program TOGA. Penelitian dilaksanakan empat tahap yaitu tahap pertama mengumpulkan data sekunder berupa pustaka, data kependudukan dsb. Tahap kedua melakukan survey lapangan dan wawancara mendalam dengan responden, dilanjutkan tahap ketiga mengambil data tanaman obat yang ditanam di sekitar perumahan masyarakat Kelurahan Situ Gede. Dan tahap keempat mengolah dan menganalisis seluruh data yang diperoleh pada tahap sebelumnya Berdasarkan hasil penelitian diketahui bahwa pengetahuan masyarakat terhadap jenis dan manfaat Tanaman Obat Keluarga (TOGA) cukup tinggi. Teridentifikasi 83 jenis tanaman dari 44 famili telah dikenal masyarakat sebagai tanaman obat. Persepsi responden terhadap tanaman obat positif yaitu menganggap tanaman obat aman, tidak memiliki efek samping, murah, praktis karena ditemukan disekitar rumah dan manfaatnya bagi tubuh sangat terasa. Namun persepsi ini belum sejalan dengan kecenderungan masyarakat dalam mengobati sakit. Umumnya responden lebih cenderung menggunakan obat kimia baik dari dokter maupun obat warung. Pengetahuan masyarakat tentang tanaman obat dapat ditingkatkan guna memperluas pemanfaatan tanaman obat ditengah masyarakat. Diantaranya pengetahuan tentang kandungan kimia setiap bagian tanaman obat, pengolahan pascapanen, dosis penggunaan dsb.Kata kunci: pengetahuan, pemanfaatan,  persepsi, tanaman obat, survei
Pengaruh Penerapan E-Filling, E-SPT dan E-Registration Terhadap Kepatuhan Wajib Pajak (Studi Kasus Pada Kantor Pelayanan Pajak Pratama Palembang Seberang Ulu) Totok Sudiyanto; Emilda Emilda; Sifti Anisah
Jurnal Media Akuntansi (Mediasi) Vol. 5 No. 2 (2023): Jurnal Media Akuntansi (MEDIASI), Maret 2023
Publisher : Universitas PGRI Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/jmediasi.v5i2.11360

Abstract

ABSTRACT The purpose of this research is to know the magnitude of the impact of the implementation of E-Filling, E-SPT and E-Registration on taxpayer compliance. This research is quantitative descriptive research using primary data obtained through questionnaire distribution and secondary data obtained directly. The sample used in the research is 100 respondents, namely individual taxpayers from the total registered population of 70,946. dampels were collected using the accidental sampling method. The use of multiple linear regression analysis techniques. The results of this research show that the variable implementation of E-Filling partially has an impact on individual taxpayer compliance and the variable application of E-SPT and E-Registration partially has no impact and is not significant on individual taxpayer compliance. Meanwhile, the variable implementation of e-filling, e-SPT and e-registration simultaneously has a positive impact as well as the sig of individual taxpayers. Keywords: E-Filling, E-Registration, E-SPT and Taxpayer Compliance ABSTRAK Tujuan dari penelitian ini yakni untuk tahu besarnya pengaruh dari diterapkannya E-Filling, E-SPT dan E-Registration terhadap Kepatuhan WP. Penelitian ini merupakan penelitian deskriftif kuantitatif dengan memakai data primer yang didapat lewat distribusi kuisioner serta data sekunder yang didapat langsung. Pemakaian sampel pada penelitian yakni 100 responden yakni WP orang pribadi dari total populasi terdaftar yakni 70.946. dampel dikumpulkan memakai metode sampling aksidental. Pemakaian teknik penganalisisan regresi linier berganda. Pada hasilnya penelitian ini menunjukkan bahwasanya variabel Penerapan E-Filling secara parsial memiliki dampak pada Kepatuhan Wajib Pajak orang pribadi serta variabel penerapan E-SPT dan E-Registration secara parsial tidak mempunyai dampak serta tidak sig pada Kepatuhan Wajib Pajak orang pribadi. Sedangkan secara simultan variabel penerapan e-filling, e-SPT serta e-registration memiliki pengaruh yang positif serta sig terhadap kepatuhan WP orang pribadi. Kata kunci: E-Filling, E-Registration, E-SPT dan Kepatuhan Wajib Pajak
Pengaruh Beban Kerja dan Kompensasi terhadap Kinerja Karyawan pada PT Pinang Witmas Sejati Klk Desa Mangsang Rena Yanti; Roswaty Roswaty; Emilda Emilda
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14, No 1 (2023): Mei
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v14i1.333

Abstract

The purpose of this study is to determine the effect of workload and compensation on employee performance at PT Pinang Witmas Sejati KLK. The type of research used is quantitative research by distributing questionnaires through the Google Form. Sampling using saturated sampling technique using the entire population of 68 respondents. Sources of data in this study were primary data and secondary data using a purposive sampling technique. The results of the t test analysis show that workload has a positive and significant effect on employee performance at PT Pinang Witmas Sejati KLK, with significant value 0.000 <0.05 and tcount > ttable (-2,066 > 1.669) then H0 is rejected H1 is accepted. Compensation also partially has a positive and significant effect on employee performance at PT Pinang Witmas Sejati KLK, with significant value  0.016 <0.05 and tcount > ttable (2.470 > 1.669) then H0 is rejected H1 is accepted. Then the results of the F test analysis (simultaneous) show that workload and compensation together have a positive and significant effect on employee performance at PT Pinang Witmas Sejati KLK, with significant value 0.000 < 0.05 and Fcount > Ftable (33.366 > 3.99). From the test results the coefficient of determination (R2) is 0.507. This shows that the magnitude of the contribution between the Workload variable and the Compensation variable on Employee Performance is 50.7%.
Analisis Sistem Prosedur Pemberian Kredit Pada PT. Bank Rakyat Indonesia (Persero), Tbk Unit Muara Burnai Kecamatan Lempuing Jaya Siti Komaria; Oktariansyah Oktariansyah; Emilda Emilda; Verasari Verasari
Jurnal Media Akuntansi (Mediasi) Vol. 6 No. 1 (2023): Jurnal Media Akuntansi (MEDIASI), September 2023
Publisher : Universitas PGRI Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/jmediasi.v6i1.13190

Abstract

ABSTRACT We will learn how credit is given at PT Bank Rakyat Indonesia (Persero) Tbk Murai Burnai Unit Lempuing Jaya District in this study. All of the operations at PT Bank Rakyat Indonesia (Persero) Tbk Murai Burnai Unit Lempuing Jaya District are participants in this study. The sampling strategy used in this study was based on the loan procedure at the PT Bank Rakyat Indonesia (Persero) Tbk Murai Burnai Unit in the Lempuing Jaya District. The method of data analysis used is descriptive analysis. This study uses descriptive quantitative research, which collects data and information from the object and the research site according to how they are at the time of the study about a symptom and a fact.The credit granting procedure system used by PT Bank Rakyat Indonesia (Persero) Tbk's Murai Burnai Unit in the Lempuing Jaya District is not entirely consistent with the theory of credit granting procedures, according to the analysis of the system. This is because the system depends on how closely bank employees are related to their clients, which causes credit disbursements to be frequently delayed and not made on time. Keywords: Procedure System, Credit Granting ABSTRAK Dalam penelitian ini akan dipelajari bagaimana pemberian kredit pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai Kecamatan Lempuing Jaya. Seluruh bagian operasional pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai Kecamatan Lempuing Jaya menjadi partisipan dalam penelitian ini. Strategi pengambilan sampel yang digunakan dalam penelitian ini adalah berdasarkan prosedur pemberian kredit pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai Kecamatan Lempuing Jaya. Metode analisis data yang digunakan adalah analisis deskriptif. Penelitian ini menggunakan jenis penelitian deskriptif kuantitatif, yaitu mengumpulkan data dan informasi dari objek dan tempat penelitian menurut apa adanya pada saat penelitian berlangsung tentang suatu gejala dan fakta. Sistem prosedur pemberian kredit yang digunakan oleh PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai di Kecamatan Lempuing Jaya belum sepenuhnya sesuai dengan teori prosedur pemberian kredit, sesuai dengan analisis sistem. Hal ini disebabkan karena sistem tersebut bergantung pada seberapa dekat hubungan pegawai bank dengan nasabahnya, yang menyebabkan pencairan kredit sering mengalami keterlambatan dan tidak tepat waktu. Kata kunci: Sistem Prosedur, Pemberian Kredit.
Pengaruh Kompensasi dan Displin Kerja Terhadap Kinerja Pegawai Pada Kantor Walikota Palembang Muhamad Syukri; Emilda Emilda; Oktariansyah Oktariansyah
Jurnal Manajemen dan Investasi (MANIVESTASI) Vol. 3 No. 2 (2021): Jurnal Manajemen dan Investasi (MANIVESTASI), Desember 2021
Publisher : Universitas PGRI Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/jmanivestasi.v3i2.7380

Abstract

ABSTRACT The purpose of the study was to determine whether there was an effect of compensation on employee performance, work discipline on employee performance, and to determine whether there was an effect of compensation and work discipline on employee performance at the Mayor's Office of the Regional Secretariat of Palembang City, either partially or simultaneously. The data analysis used in this study was using Statistical Product and Service Solution (SPSS) version 22. The data analysis technique was carried out using the classical assumption test in this study including data normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, linear regression analysis. multiple test, correlation coefficient test, and multiple determination coefficient test, as well as hypothesis testing criteria, namely partial test (t test) and simultaneous test (f test). Based on the results of the output data obtained: (1) Liquidity ratio (current ratio) has a significant negative effect on earnings changes, with a significance value of t (0.005 < 0.05), and tcount < ttable. (2) Solvency ratio (debt to total assets) has an insignificant negative effect on earnings changes, with a significance value of t (0.507 > 0.05), and tcount < ttable. (3) Simultaneously (together) the liquidity ratio (current ratio) and the solvency ratio (debt to total assets) have a significant effect on changes in earnings, with a significant value of the current ratio and debt to total assets (0.007 <0.05) and the value of Fcount > Ftable. Keywords: Compensation, Work Discipline, Employee Performance  ABSTRAK Tujuan penelitian adalah untuk mengetahui ada tidaknya pengaruh kompensasi terhadap kinerja pegawai, disiplin kerja terhadap kinerja pegawai, serta untuk mengetahui ada tidaknya pengaruh kompensasi dan displin kerja terhadap kinerja pegawai pada Kantor Walikota Sekretariat Daerah Kota Palembang, baik secara parsial maupun secara simultan. Adapun analisis data yang digunakan dalam penelitian ini adalah menggunakan Statistical Product and Service Solution ( SPSS ) versi 22. Teknik analisis data yang dilakukan dengan uji asumsi klasik dalam penelitian ini meliputi uji normalitas data, uji multikolonieritas, uji autokorelasi, uji heteroskedastisitas, analisis regresi linier berganda, uji koefisien korelasi, dan uji koefisien determinasi berganda, serta kriteria pengujian hipotesis yaitu uji parsial (uji t) dan uji simultan (uji f). Berdasarkan hasil output data diperoleh: (1) Rasio Likuiditas (current ratio) memiliki pengaruh negatif signifikan terhadap perubahan laba, dengan nilai signifikansi t (0,005 < 0,05), dan thitung < ttabel. (2) Rasio Solvabilitas (debt to total assets) memiliki pengaruh negatif tidak signifikan terhadap perubahan laba, dengan nilai signifikansi t (0,507 > 0,05), dan thitung <  ttabel . (3) Secara simultan (bersama-sama) Rasio likuiditas (current ratio) dan Rasio Solvabilitas (debt to tota assets) berpengaruh signifikan terhadap Perubahan Laba, dengan nilai signifikan current ratio dan debt to total assets (0,007<0,05) dan nilai Fhitung > Ftabel. Kata Kunci : Kompensasi, Displin Kerja, Kinerja Pegawai
PENGARUH BUDAYA ORGANISASI DAN KEPUASAN KERJA TERHADAP ORGANIZATIONAL CITIZENSHIP BEHAVIOR PADA KARYAWAN PT. SUMBER ALFARIA TRIJAYA TBK Sarahdillah Alfianti; Endah Dewi Purnamasari; Emilda Emilda
Jurnal Manajemen Vol 11 No 1 (2023): Jurnal Manajemen
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36546/jm.v11i1.868

Abstract

This study discusses the influence of organizational culture and job satisfaction on organizational citizenship behavior at PT Sumber Alfaria Trijaya Tbk. The purpose of this research is to find out whether there is a positive influence of organizational culture on organizational citizenship behavior, to determine the positive effect of job satisfaction on organizational citizenship behavior, and to find out the positive effect of job satisfaction on organizational citizenship behavior. This research is quantitative with a questionnaire as a data collection tool. Questionnaires were distributed to 90 employees at PT Sumber Alfaria Trijaya, Tbk. A total of 90 questionnaires were returned, and were analyzed using SPSS 25 software. The results of this study prove that there is a significant effect of job satisfaction on organizational citizenship behavior partially, there is a significant effect of job satisfaction on organizational citizenship behavior partially and simultaneously.
Review-Tanaman Porang (Amorphophallus muelleri Blume) dan Potensinya untuk Diversifikasi Pangan Emilda Emilda
Jurnal Teknologi dan Mutu Pangan Vol 2 No 2 (2024): JTMP: Jurnal Teknologi dan Mutu Pangan
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/jtmp.v2i2.3755

Abstract

The threat of a food crisis must be addressed immediately, especially ensuring the fullfillment of staple foods such as rice. The food diversification program should be used as an anticipatory strategy. Because Indonesia has a diversity of local food from tubers and cereals as a substitute for rice. The porang plant is one of the local foods that has the potential to be developed. The aim of makingthis article is to analyze the potential and opportunities for developing porang to encourage of food diversification programs. The method used is a literature review with a descriptive approach using secondary literature. The results shows that porang has been widely cultivated. This plant has great potential as a substitute for rice because of its high carbohydrate content. Apart from that, porang is rich in glucomannan which is very good for health. Glucomannan is a water-soluble polysaccharide fiber which is beneficial for the body such as maintaining body weight, controlling cholesterol, reducing the risk of cancer, etc. Porang is widely used by the food industry as an emulsifier and thickener. However, the provision of quality seeds in sufficient quantities and the availability of glucomannan purification technology that is easily accessible to the public are obstacles in developing porang. To overcome this, an integrated, comprehensive and harmonious policy is needed starting from the production aspect, price guarantees and providing technology for processing porang tubers. On the other hand, this policy must also be supported by the community by starting to build the habit of consuming porang in households
Pelatihan Penyusunan Laporan Keuangan kepada Pelaku UKM di Rumah BUMN Sumsel Mutiara Kemala Ratu; Emilda Emilda; Vhika Meiriasari; Okky Savira
Abdimas Universal Vol. 6 No. 2 (2024): Oktober (In Press)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Balikpapan (LPPM UNIBA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/abdimasuniversal.v6i2.518

Abstract

Financial Statement Preparation Training is one of the important materials in supporting financial literacy knowledge and improving the ability to prepare financial statements especially by those who act as SMEs. The need of financial reports is to facilitate decision making in the sustainability of their business even if needed also for business tax reporting. This training activity was carried out with partners of Rumah BUMN Sumsel and several SMEs in Palembang who became participants. The participants of this training activity will be given a pre-test and post-test on the preparation of financial statements as a form of evaluation of the sustainability of the training. The results of the training showed that on average there was a significant increase of 60.9% in the ability of the participants. This result shows that the training on financial statement preparation is well received and applied by the participants who act as SMEs.
Tindak Tutur Komisif Pada Pedagang di Pasar Induk Cureh Kabupaten Bireuen (Kajian Pragmatik) Herawati Herawati; Emilda Emilda; Masithah Mahsa
BLAZE : Jurnal Bahasa dan Sastra dalam Pendidikan Linguistik dan Pengembangan Vol. 2 No. 4 (2024): November : Jurnal Bahasa dan Sastra dalam Pendidikan Linguistik dan Pengembanga
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/blaze.v2i4.1930

Abstract

This study aims to describe the functions and forms of commissive speech acts used by vendors at Induk Cureh Market, Bireuen Regency. This research employs a qualitative approach with a descriptive method. The data consist of excerpts from the speech between vendors and buyers that contain commissive speech acts. The data source for this research is the vendors at Induk Cureh Market, Bireuen Regency. Data collection techniques included observation, recording, and notetaking. Based on the findings, 43 instances of commissive speech acts were identified. The functions of these commissive speech acts are divided into three categories: (1) promising, found in 8 instances; (2) offering, found in 30 instances; and (3) vowing, with 5 instances.