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All Journal Sodality: Jurnal Sosiologi Pedesaan BUDGETING : Journal of Business, Management and Accounting
Indriani, Nisa
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Arts Humanities Environmental Science Social Sciences

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Penerapan Manajemen Kredit dalam Upaya Meminimalkan Kredit Bermasalah pada PT. BPR Ambulu Dhanaartha Kabupaten Jember Indriani, Nisa; Hafidzi, Achmad Hasan; Puspitadewi, Ira; Samsuryaningrum, Samsuryaningrum
BUDGETING : Journal of Business, Management and Accounting Vol 5 No 1 (2023): BUDGETING : Journal of Business, Management and Accounting
Publisher : Institut Penelitian Matematika Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/budgeting.v5i1.6805

Abstract

The research was conducted with the aim of knowing the implementation of credit management in minimizing non-performing loans at PT. BPR Ambulu Dhanaatha and find out the various factors that cause problem loans. This research method uses descriptive qualitative methods, data collection techniques using observation, interviews and documentation. From this research, the results obtained (1) PT. BPR Ambulu Dhanaartha implements credit management starting from the planning, organizing, implementing and supervising stages, (2) various factors causing problem loans including a) The account officer made a mistake in analyzing when applying for credit, b) Debtor's business failure, family problems and various other factors which was unexpected. PT. BPR Ambulu Dhanaartha made efforts to minimize problem loans by resheduling, reconditioning, restructuring. Meanwhile, efforts to resolve it are carried out by way of a simple lawsuit to court. Keywords: Credit Management, Factors of non-performing loans, Handling of Non Performing Loans
The Implementation of Collaborative Governance in The Literacy Education Empowerment Program Within Indigenous Communities in Lebak Regency Indriani, Nisa; Sumardjo; Sarma, Ma'mun
Sodality: Jurnal Sosiologi Pedesaan Vol. 12 No. 3 (2024): Sodality: Jurnal Sosiologi Pedesaan
Publisher : Departement of Communication and Community Development Sciences, Faculty of Human Ecology

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22500/12202451158

Abstract

This study examines the implementation of collaborative governance in literacy education empowerment programs within indigenous communities. The collaborative governance approach involves the central government, local government, institutions, and the community. The aim of this research is to describe the collaborative governance in the literacy education empowerment program within indigenous communities and analyze the factors affecting community participation and empowerment. Data was collected through a census, with a sample of 200 learners from three literacy education assistance-receiving institutions in the Indigenous Community. The approach used includes descriptive analysis and data analysis with Structural Equation Modeling (SEM). The research results indicate that collaborative governance has been established. Significant factors influencing the level of participation in this program are the level of collaboration, environmental support, optimization elements, and the characteristics of the community members. Factors significantly influencing the level of empowerment are the level of collaboration, environmental support, participation, and the characteristics of the community members, while optimization elements do not significantly affect empowerment. The research findings suggest that the program is running fairly well, although there are some challenges such as the availability of infrastructure, the lack of training for tutors, and funding sources solely from the central government budget.
Co-Authors Achmad Hasan Hafidzi Ma'mun Sarma Puspitadewi, Ira Samsuryaningrum, Samsuryaningrum Sumardjo