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ANALISIS NON PERFORNING LOAN (KREDIT BERMASALAH) TERHADAP PEMBERIAN KREDIT PADA BANK SULAWESI TENGGARA (SULTRA) SARI, Murni
Business UHO: Jurnal Administrasi Bisnis Vol 1, No 1 (2016): Business UHO: Jurnal Administrasi Bisnis
Publisher : Business UHO: Jurnal Administrasi Bisnis

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Bank as a finanacial institution that has a function as financial intermediation. One function of financial intermediation is funneling credit to the community. The various problems faced by the Bank with regard to channelling credit. The increasingÂ channelling of credit, usually accompanied with an increase in bad debt or bad credit on credit given. Bad debt in the Banking terms called the Non Performing loan (NPL) for it, the need for policy in the granting of appropriate credit to overcome the existing problems. This research was conducted to find out the Non Performing Loan on granting credit is applied to the Bank in southeast sulawesi in 2011-2015, using the principles in accordance with policy gift credit Bank Indonesia related to the eligibility of the client in the obtaining credit. The data used in this research is the primary and secondary data. Primary data obtaineby conducting interviews and direct observation and related credit division. WhileÂ secondary data obtained from studies of the literatureÂ and data obtained from company in the form of the annual report, an analisys of descriptive analisys is used. The period of observation shows that the Non Performing Loan is applied to Bank have good enough South East Sulawesi in accordance wiyh existing theories because it has been applying the principle of prudence and the policy gift credit in the granting of credit in accordance with Banking policy related to the channeling of credit. Key words: The Non Performing Loan, Credit Granting Policies

ANALISIS NON PERFORNING LOAN (KREDIT BERMASALAH) TERHADAP PEMBERIAN KREDIT PADA BANK SULAWESI TENGGARA (SULTRA) sari, murni; justawan, justawan; Purwati, Ninik Endang
Business UHO: Jurnal Administrasi Bisnis Vol 1, No 1 (2016): Business UHO: Jurnal Administrasi Bisnis
Publisher : Universitas Halu Oleo

Bank as a finanacial institution that has a function as financial intermediation. One function of financial intermediation is funneling credit to the community. The various problems faced by the Bank with regard to channelling credit. The increasingÂ channelling of credit, usually accompanied with an increase in bad debt or bad credit on credit given. Bad debt in the Banking terms called the Non Performing loan (NPL) for it, the need for policy in the granting of appropriate credit to overcome the existing problems. This research was conducted to find out the Non Performing Loan on granting credit is applied to the Bank in southeast sulawesi in 2011-2015, using the principles in accordance with policy gift credit Bank Indonesia related to the eligibility of the client in the obtaining credit. The data used in this research is the primary and secondary data. Primary data obtaineby conducting interviews and direct observation and related credit division. WhileÂ secondary data obtained from studies of the literatureÂ and data obtained from company in the form of the annual report, an analisys of descriptive analisys is used. The period of observation shows that the Non Performing Loan is applied to Bank have good enough South East Sulawesi in accordance wiyh existing theories because it has been applying the principle of prudence and the policy gift credit in the granting of credit in accordance with Banking policy related to the channeling of credit.ABSTRAKÂ Â Bank merupakan lembaga keuangan yang memiliki fungsi sebagai intermediasi keuangan. Salah satu fungsi intermediasi keuangan adalah menyalurkan kredit kepada masyarakat. Bebagai problem yang duhadapi Bank berkaitan dengan penyaluran kredit, biasanya disertai pula dengan meningkatnya kredit bermasalah atas kredit yang diberikan. Kredit bermasalah dalam istilah perbankan disebut Non Performing Loan (NPL). Untuk itu, perlu adanya kebijakan dalam pemberian kredit yang tepat untuk mengatasi problem yang ada.Â Penelitian ini dilakukan untuk mengetahuiÂ Non Performing Loan pada pemberian kredit yang diterpakan oleh Bank Sultra Tahun 2011-2015, dengan menggunakan kebijakan pada pemberian kredit sesuai dengan ketetapan Bank Indonesia terkait dengan kelayakan nasabah dalam memperoleh kredit. Data yang digunakan dalam penelitian in adalah data primer dan data sekunder. Data primer diperoleh dengan melakukan wawancara dan hasil pengematan langsung pada divisis kredit terkait. Sedankan data sekunder diperoleh dari studi pustakadan data yang diperoleh dari perusahaan berupa laporan tahunan, serta analisis yang digunakan adalah analisis deskriptif. Selama periode pengamatan menunjukan bahwa Non Performing Loan yang diterapakan pada Bank Sultra cukup baik denga teori-teori yang ada karena telah menerapkan kebijakan pemberian kredit dan prinsip kehati-hatian dalam pemberian kredit sesuai dengan kebijakan perbankan terkait dengan penyaluran kredit.

Kualitas Susu Kambing Peranakan Etawah Post-Thawing Ditinjau dari Waktu Reduktase dan Angka Katalase SARI, MURNI; SWACITA, IDA BAGUS NGURAH; KARANG AGUSTINA, KADEK
Indonesia Medicus Veterinus Vol 2 (2) 2013
Publisher : Faculty of Veterinary Medicine, Udayana University

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Penelitian ini bertujuan untuk mengetahui kualitas susu kambing kambing peranakan etawah (PE) ditinjau dari waktu reduktase dan angka katalase. Sampel yang dipergunakan adalah susu kambing peranakan etawah post-thawing dari peternakan di Desa Pucak Sari, Buleleng-Bali. Metode yang dipergunakan adalah uji reduktase menggunakan methilen blue sedangkan untuk menghitung angka katalase dipergunakan peroksida 0,5%. Hasil penelitian ini menunjukkan bahwa susu kambing PE post-thawing memilikiwaktureduktase 300 ± 42,426 menit dan angka katalase 0,58±0,0837 ml.

Peran Financial Constraint dalam Memoderasi Pengaruh Struktur Modal Terhadap Nilai Perusahaan Sari, Murni
Akuisisi: Jurnal Akuntansi Vol 18, No 2 (2022)
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/akuisisi.v18i2.905

This study aims to improve the relationship between capital structure and firm value using financial constraints on cash holdings as a moderating variable for mining companies and metal manufacturing companies 2016-2020. The sample selection technique used the purposive sampling technique so that a sample of 26 companies was obtained. The data analysis method was analyzed using multiple linear regression analysis using the SPSS version 23.0 for windows application. Based on the results of the study partially capital structure has a positive and significant effect on firm value, capital structure has a positive and significant effect on firm value. The control variable company size has a positive effect on firm value, operating cash flow has no significant effect on firm value, and intangible assets have no significant effect on firm value. financial constraints on cash holdings cannot moderate the relationship between capital structure and firm value. independent variables together can explain the dependent variable. Based on the research results, firm value can be increased by increasing debt or increasing the capital structure ratio. Improved capital structure must pay attention to the balance between benefits and costs arising from debt

STRATEGI PEMASARAN: UPAYA PT. PERUSAHAAN GAS NEGARA TBK AREA LAMPUNG DALAM MENINGKATKAN VOLUME PENJUALAN PELANGGAN RUMAH TANGGA Sari, Murni; Pratama, Maulana Agung; Aprilia, Hani Damayanti
Jurnal Kompetitif Bisnis Vol 3 No 1 (2025): Jurnal Kompetitif Bisnis
Publisher : Jurusan Administrasi Bisnis, FISIP, Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.0120/ss

This research aims to find out how PGN Lampung Area will implement its marketing plan to increase the sales volume of the natural gas network development program for household customers. This research uses qualitative techniques and is a descriptive research project. The data collection methods chosen in this research include interviews, observation, documentation and literature study. This research utilizes source triangulation techniques in data validity techniques and interactive data analysis techniques are used in data analysis. This research focuses on the 7P marketing mix which includes Product, Price, Place, Promotion, People, Process, and Physical Evidence. The STP approach is also the main emphasis of this research. Based on the research results, PGN Lampung Area uses marketing strategies, including providing high quality products at competitive prices with similar products, running promotional media, installing pipe networks in several potential locations, competent human resources in their fields, and having efficient service procedures. Has the advantage of complete facilities and infrastructure. The marketing strategy implemented by PGN Lampung Area was able to significantly increase the sales volume of the household gas network program, thereby adding value to the company's contribution to meeting the community's energy needs. This is made possible by the results of Segmenting, Targeting and Positioning (STP) analysis. Findings It is hoped that this research will serve as a guide for businesses wishing to improve the effectiveness of the marketing tactics they use to identify the best actions to increase sales volume and strengthen their position in the industry. Keywords : Marketing Strategy, Natural Gas, Sales Volume, Household Gas Networks.

Sosialisasi Penggunaan Aplikasi Bank Jurnal dan Prosiding Program Studi D4 Manajemen Pemasaran Internasional Sudarman, La; Lelawatty, Poniasih; Husriah, Husriah; Yunarsi, Yunarsi; Rahma, Filasti; Sari, Murni; Sudarnice, Sudarnice; Ekowati, Dhiana
Reswara: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2025)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/rjpkm.v6i2.5996

Perpustakaan merupakan jantung bagi para akademisi, hal tersebut menjadi harapan dan membantu para mahasiswa dalam mencari dan menambah referensi guna menyelesaikan skripsi atau tugas akhir. Perkembangan teknologi informasi dan komunikasi (TIK) yang terus berkembang pesat membawa perubahan besar dalam berbagai aspek termasuk perpustakaan itu sendiri. Masih banyak mahasiswa khususnya mahasiswa Program Studi D4 Manajemen Pemasaran Internasional di Politeknik Baubau yang masih kesulitan mengakses artikel sebagai literatur tugas akhir mereka, maka tim pengabdi mencoba merancang suatu aplikasi berupa bank jurnal dan prosiding untuk mempermudah mendapatkan literature yang diinginkan mahasiswa. Adapun sumber artikel pada bank jurnal ini berasal dari sinta, prosiding dan scopus. Tujuan kegiatan ini untuk memberikan pengetahuan tentang pengoperasian aplikasi bank jurnal dan prosiding kepada mahasiswa khuhusnya pada Program Studi D4 Manajemen Pemasaran Internasional Politeknik Baubau. Kegiatan dilaksanakan mulai dari 22 Juli sampai 5 September 2024, mitra sasaran sebanyak 41 orang mahasiswa dan dosen. Metode pelaksanaan kegiatan pengabdian ini antara lain: analisis kebutuhan, perancangan aplikasi, uji coba aplikasi serta pelaksanaan kegiatan dan evaluasi kegiatan. Hasil yang dicapai setelah kegiatan ini adalah semua peserta mampu mengoperasikan dan mengaplikasikan aplikasi bank jurnal dan prosiding. Hal tersebut dilihat dari hasil tes pemahaman awal yang mulanya semua belum memahami pengoperasian bank jurnal dan prosiding (0%) naik menjadi 100% pengetahuannnya setelah diadakan kegiatan pkm terkait penerapan aplikasi bank jurnal dan prosiding

Peran Keuangan Publik dalam Mendukung Pembangunan Berkelanjutan: Tinjauan terhadap Kota Baubau Sari, Murni; Rahma, Filasti; Fatmala, Wilda; Handayani, Eva
Jurnal Maksipreneur Vol 14 No 2 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v14i2.1922

This study aims to analyze the influence of public financial policy, public financial practices, and community participation on sustainable development in Baubau City. This research employs a quantitative design with a survey approach, involving 399 respondents selected using the Slovin formula from a total population of 166,150 individuals. Data were collected through questionnaires using a Likert scale to measure respondents' perceptions of public financial policy, public financial practices, community participation, and sustainable development. Data analysis was conducted using validity and reliability tests, as well as multiple linear regression analysis. The findings show that public financial policies, practices, and community involvement significantly impact sustainable development in Baubau City. These findings underscore the importance of effective, transparent, and participatory financial management in supporting sustainable development. The implications of this study suggest the need for improved implementation of sustainable financial policies and active community participation to achieve more inclusive development goals in Baubau City.

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