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Principles of Credit Analysis in BUMN/BUMD Banks in Indonesia Indra Gunawan Purba; Warsiman Warsiman; Ervina Sari Sipahutar
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 3, No 4 (2020): 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.v3i4.1454

Abstract

The bank's business activities must be carried out in a more administrative nature and prioritize procedural aspects. BUMN / BUMD banks in providing credit to prospective debtors must follow the standards and standard mechanisms that apply within the bank itself or the Standard Operational Procedure (SOP), for that it is then required to comply with standards to arrive at a credit decision. The bank functions as a financial intermediary (intermediary financial) between parties with excess funds (surplus of funds) and parties requiring funds (deficit of funds). The main function of the bank is to mobilize public funds appropriately and quickly channel them to effective and efficient use or investment. A function like this is a "blood flow" for the economy and an increase in the standard of living. Without trust, this function will not work. Credit assessment is an activity carried out by credit analysts to assess whether credit to be given to debtors can be carried out. Assessment for consumptive credit is based only on the amount of salary earned in installments plus interest and the maximum will be determined at the amount of income.
Legal Study on the Crime of Defamation through social media according to Law Number 19 of 2016 concerning Information and Electronic Transactions Warsiman Warsiman; Indra Gunawan Purba; Syapri Can
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) 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.v5i2.4824

Abstract

The current era of globalization is marked by the development of information and electronic communication technology that affects people's lifestyles, one of these technological developments is social media. The consequences of the development of information technology are quite diverse, because users who cannot be limited by space and time are therefore said to be a double-edged sword. The positive consequences of the development of information technology include making it easier for humans to get information, share information, express themselves, and so on. Meanwhile, the negative consequences of the development of information technology are fraud, kidnapping, online gambling, human trafficking, prostitution, humiliation, and even defamation. The development of this technology has a significant influence on the understanding of crime, especially on the streams of criminology which focuses on the human factor both physically and psychologically. One of the crimes that often occurs in the development of information and communication technology is humiliation or defamation carried out through social media which is regulated in Article 310 and Article 311 of the Criminal Code. In addition, defamation through social media is also regulated in Article 27 paragraph (3) of Law Number 11 of 2008 in conjunction with Law Number 19 of 2016 concerning Electronic Information and Transactions.
Meningkatkan Keaktifan Siswa melalui Pembelajaran Interaktif Berbasis Blended Learning pada Materi Teks Artikel Anifatus Sholihah; Warsiman Warsiman; Heni Dwi Arista
Jurnal Pendidikan Bahasa Vol 12, No 1 (2023): Jurnal Pendidikan Bahasa
Publisher : IKIP PGRI Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31571/bahasa.v12i1.5057

Abstract

Pembelajaran interaktif berbasis blended learning adalah metode pembelajaran yang menggabungkan pola pembelajaran menggunakan media e-learning dengan tatap muka. Tujuan penelitian ini adalah untuk meningkatkan keaktifan siswa melalui pembelajaran interaktif berbasis blended learning pada mata pelajaran Bahasa Indonesia materi teks artikel. Jenis penelitian ini adalah Penelitian Tindakan Kelas (PTK). Hasil penelitian menunjukkan bahwa keaktifan siswa mengalami peningkatan. Peningkatan tersebut dapat dilihat dari hasil pembelajaran pada siklus I data persentase keaktifan siswa sebesar 30,99%; siklus II sebesar 32,95%; dan siklus III sebesar 39,71%. Berdasarkan hasil tersebut, maka dapat disimpulkan bahwa pembelajaran interaktif berbasis blended learning, dapat meningkatkan keaktifan siswa dalam pembelajaran, terutama pada materi teks artikel.
Meningkatkan Keaktifan Siswa melalui Pembelajaran Interaktif Berbasis Blended Learning pada Materi Teks Artikel Anifatus Sholihah; Warsiman Warsiman; Heni Dwi Arista
Jurnal Pendidikan Bahasa Vol. 12 No. 1 (2023): Jurnal Pendidikan Bahasa
Publisher : IKIP PGRI Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31571/bahasa.v12i1.5057

Abstract

Pembelajaran interaktif berbasis blended learning adalah metode pembelajaran yang menggabungkan pola pembelajaran menggunakan media e-learning dengan tatap muka. Tujuan penelitian ini adalah untuk meningkatkan keaktifan siswa melalui pembelajaran interaktif berbasis blended learning pada mata pelajaran Bahasa Indonesia materi teks artikel. Jenis penelitian ini adalah Penelitian Tindakan Kelas (PTK). Hasil penelitian menunjukkan bahwa keaktifan siswa mengalami peningkatan. Peningkatan tersebut dapat dilihat dari hasil pembelajaran pada siklus I data persentase keaktifan siswa sebesar 30,99%; siklus II sebesar 32,95%; dan siklus III sebesar 39,71%. Berdasarkan hasil tersebut, maka dapat disimpulkan bahwa pembelajaran interaktif berbasis blended learning, dapat meningkatkan keaktifan siswa dalam pembelajaran, terutama pada materi teks artikel.
Penguatan Sistem Monitoring dan Keamanan Kawasan Hutan dalam Mendukung Efektivitas Penegakan Hukum Pidana Kejahatan Kehutanan : Studi pada LPHD Desa Pasar Rawa Umi Khairiah; Warsiman Warsiman; Winta Hayati
Mandub : Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 4 No. 3 (2026): September: Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/mandub.v4i3.3312

Abstract

Monitoring and securing forest areas are inherent components of forest resource protection and management, yet their implementation on the ground often fails to meet the expectations set by legal norms. This study aims to analyze the legal framework governing forest area monitoring and security systems in Indonesia, identify the factors that weaken such systems, and formulate ideal strengthening measures to improve the effectiveness of criminal law enforcement against forestry crimes and to prevent future ecological disasters, using the destruction of the mangrove ecosystem in Pasar Rawa Village, Langkat Regency, as a case study. This research employs normative and empirical juridical methods, through a literature study of statutory regulations combined with interviews and field observations at the Village Forest Management Institution (LPHD) of Pasar Rawa. The results show that legal provisions on forest protection, ranging from Law Number 41 of 1999 on Forestry, Law Number 18 of 2013 on the Prevention and Eradication of Forest Destruction, to Government Regulation Number 23 of 2021 on Forestry Administration, have positioned prevention as an inseparable part of forest protection. However, the operationalization of these norms on the ground has not been followed by a measurable and responsive monitoring mechanism, as reflected in the destruction of the mangrove ecosystem in Pasar Rawa Village. The weakness of the forest area monitoring and security system is caused by six main factors: regulations that remain general in nature, limited budget and facilities, weak human resource capacity, overlapping cross-sector authority, low community participation, and weak law enforcement that fails to produce a deterrent effect.