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All Journal Jurnal Ilmu dan Teknologi Pangan JURNAL PENDIDIKAN TAMBUSAI Civil Service : Jurnal Kebijakan dan Manajemen PNS AGRI-SOSIOEKONOMI COCOS
Tommy F. Lolowang
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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FAKTOR-FAKTOR YANG MEMPENGARUHI KOLEKTIBILITAS KREDIT PETANI DI BANK BRI CABANG TOMOHON TIMUR Willem N. Siwi; Tommy F. Lolowang; Eyverson Ruauw; Ellen G. Tangkere
COCOS Vol. 6 No. 15 (2015)
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35791/cocos.v6i15.8820

Abstract

ABSTRACT Willem Nicolas Siwi. Factors that affect the collectability of farmers in East Tomohon BRI bank branch. Under the guidance of Dr. Ir Tommy Lolowang, MSi (Chairman), Ir. Eyverson Ruauw, MS (Member), and Ellen. G. Tangkere SP, MSi (Member).   The purpose of this study is to determine what are the factors that affect the ability of borrowers to repay loans of farmers, particularly in the BRI bank branch tomohon. This study uses a sample is not likely. The data used is primary data obtained through interviews with Bank Employees Field collector, especially on the characteristics of farmer customers who struggle to pay loans, and secondary data is primary data that has been processed. The variables measured were age, sex, marital status, education, long occupied dwelling, possession of a residence, a distance of BRI with the location of the home and the number of family dependents, other loans, business experience, business turnover, collateral, interest rate, and term credit payback time. The data has been obtained from BRI bank over the last year, were analyzed to determine the characteristics of the debtor where the most significant effect on the collectibility of the loans of farmers. Results of the study determined that the BRI branch captive eastern Tomohon experiencing nonperforming loans are largely at the age of 31-40 years, with female sex, having the status of married, graduated from high school education, long occupied a place to stay for 1-10 years, ownership of residence is a self-owned, has a location within the house with BRI as far as 1-10 km and has a number of family dependents of 2-3 people, have other loans, between 0-10 years of business experience, has a business turnover of between 1,000,000.00 - Rp20 .000.000,00 per month, has a household collateral, high interest rates and are in a payback period of between 7-12 months credit. And the factors that influence the real (significant) towards repayment of credit is long occupied dwelling, other loans and interest rates. Advice can be given by the researchers in this study that, when considering the value of the variable long odds ratio occupied dwelling, other loans, and interest rates on the loans at BRI branches east Tomohon can be focused on prospective borrowers with long residence occupies more than 1 years, has no other loans and debtors of understanding regarding his willingness to pay the installments with interest charges apply. BRI should Tomohon eastern branch is expected to be more selective in deciding which prospective borrowers may receive loans by considering various things in particular turnover of the businesses owned by prospective borrowers and frequency / intensity in obtaining loans. Business condition of borrowers in the future have to be predicted because there is a possibility of success or failure of the business in the future and it affects the value of the business turnover is becoming one of the benchmark loan repayment capacity.  Keywords: Credit, BRI, Collectability
Rantai Pasok Bunga Krisan Di Kelurahan Kakaskasen II Kecamatan Tomohon Utara Kota Tomohon Nayoan, Kevin; Lolowang, Tommy F.; Ruaw, Eyverson
AGRI-SOSIOEKONOMI Vol. 19 No. 2 (2023): Agri-Sosioekonomi
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35791/agrsosek.v19i2.48898

Abstract

The aim of this research is to describe the flow of the chrysanthemum flower supply chain in Kakaskasen II Village, North Tomohon District, Tomohon City. This research was carried out for three months from November to January 2023. The sampling method used purposive sampling and continued with snowball sampling. The research uses primary data obtained from direct observation and interviews with respondents using questionnaires to farmers, retailers, florists and decorators. So that the total respondents were 17 people. Secondary data was obtained from the Central Bureau of Statistics, and data from the Agriculture Office or BPP of Tomohon District. Secondary data was also obtained from the internet with the topic of this research, namely the chrysanthemum flower supply chain. The analytical method used in this research is descriptive analysis with a qualitative approach. The results of the study show that in the supply chain in Kakaskasen Dua Village, Tomohon District, North of Tomohon City, there are two sources of raw materials, namely from Tomohon breeder farmers and also from the island of Java. The product flow that occurs from farmers to retailers to florists and then to decorators, it changes from cut flower plants to a variety of products such as pot flowers, hand flowers, board flowers, faucets and table flowers. The financial flow that occurs is the opposite of the product flow, that is, from the hairdresser to the farmer. Chrysanthemum flower farmers in the farmer share test are said to be profitable and in the margin test supply chain actors get sufficient or profitable margins. Information flow, the supply chain in Kakaskasen 2 Village has 5 actors, namely farmers - retailers - florists - decorators - consumers.
Efektivitas Program Tempat Pengelolaan Sampah Reduce, Reuse, Recycle (TPS 3R) dan Dampak Ekonomi Masyarakat di Kabupaten Minahasa Utara Jocom, Akri C.A; Loho, Agnes E.; Lolowang, Tommy F.
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penanganan sampah yang tidak efektif dapat menyebabkan masalah lingkungan dan kesehatan masyarakat. Salah satu upaya yang dilakukan oleh pemerintah untuk mengatasi permasalahan ini yaitu melaksanakan program Tempat Pengelolaan Sampah Reduce, Reuse, Recycle (TPS 3R) yang mulai dicanangkan Pemerintah sejak tahun 2015 Prinsip program ini adalah Reduce (Mengurangi), Reuse (Menggunakan kembali), dan Recycle (Mendaur ulang) dengan tujuan untuk mengurangi volume sampah yang dibuang ke TPA (Tempat Pembuangan Akhir) dan meminimalkan dampak negatifnya terhadap lingkungan. Penelitian ini bertujuan Mengevaluasi apakah Program TPS 3R telah tepat untuk mengatasi masalah pengelolaan sampah Jenis penelitian yang digunakan kuantitatif dengan pendekatan deskriptif. Metode pengambilan sampel menggunakan metode deskriptif. Hasil penelitian menunjukkan bahwa Tingkat analisis perilaku masyarakat terkait dengan produktifitas sampah mengalami peningkatan.
Co-Authors Agnes E. Loho Agouw, Sifora Susan Amar ., nfn Anastasio A. J. Waleleng Andre A. Pandean Ariowibowo, Renardi ., Benu L.S. Olfie Benu L.S. Olfie Brainhard M. Kereh Celcius Talumingan Celsius Talumingan Charles Ngangi Charles R. Ngangi Chelsy Mea Christine Mamuaja Dewi Ayu Mayangsari Tiwow Doppo, Margareta Risa Ellen G. Tangkere Ellen G. Tangkere Esry O.H. Laoh Eyverson Ruauw Eyverson Ruauw Gabriela H. Kaawoan Gene Henfried Meyer Kapantow Gene Kapantow Guntur Raharjo Helena ., Kelyombar Inra M. Lumintang Inra M. Lumintang, Inra M. Jean F.J. Timban Jean Timban Jenny ., Baroleh, Jenny ., Jenny Baroleh Jimmy Rezky Torey Joachim N.K. Dumais Joachim N.K. Dumais Jocom, Akri C.A Juliana R. Mandei Juliana R. Mandei Karamoy, Velly Maria Karouw Randy Alfredts Zwingly Katiandagho, Richard Christianto Kelyombar, Helena ., Klivensi I. Mafor Kristin N. Tamawiwi Kristin N. Tamawiwi, Kristin N. Leonardus R. Rengkung Leonardus Ricky Rengkung Lorraine W. Th. Sondak Lyndon R. J. Pangemanan Lyndon R.J. Pangemanan Mareta Damalang Margareta Risa Doppo Marlen M. Rumengan Marlen M. Rumengan, Marlen M. Megawati ., Sengkeunaung Melissa L.G. Taroreh Melissa L.G. Taroreh Meray, Karla ., Mex L. Sondakh Mex L. Sondakh Mutiara Simbar Nayoan, Kevin nfn, Amar ., Nordy F.L. Waney, Nordy F.L. Nordy Fritsgerald Lucky Waney Oktavianus ., Porajouw Oktavianus ., Porajouw, Oktavianus ., Pangemanan, Lyndon R. J. Pantouw, Silke . Paulus A. Pangemanan Paulus A. Pangemanan Praiselia Amanda Praiselia Amanda, Praiselia Renardi ., Ariowibowo Ribka M. Kumaat Ribka M. Kumaat Richard Christianto Katiandagho Rine Kaunang Ruaw, Eyverson Sengkeunaung, Megawati ., Shinta M. Tengor Shinta M. Tengor, Shinta M. Sifora Susan Agouw Silke . Pantouw Soputan, Daysie D. Stella Dompasa Sulaiman ., Yasin Sulaiman ., Yasin, Sulaiman ., Tampi, Mikael Fernando Theodora M. Katiandagho Theodora M. Katiandagho Theodora R. Katiandagho Theodora R. Katiandagho, Theodora R. Torey, Jimmy Rezky Velly Maria Karamoy Vicky R. B. Moniaga Vicky R. B. Moniaga Waleleng, Anastasio A. J. Waney, Nordy F. L. Welson ., Wangke Welson ., Wangke, Welson ., Welson M. Wangke Welson M. Wangke Willem N. Siwi Willem N. Siwi, Willem N. Zwingly, Karouw Randy Alfredts