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All Journal IIJSE Jurnal Abdimas Kedokteran dan Kesehatan
Paramita, Nadira
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Economics, Econometrics & Finance Public Health

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Policy Analysis of Bank Indonesia Concerning Finance to Value (FTV) to Minimize Problem Financing of Sharia Home Ownership Loans (KPR Paramita, Nadira; Suggianto, Sugianto; Jannah, Nurul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3854

Abstract

The Financing to Value (FTV) policy is a macroprudential policy issued by Bank Indonesia to determine the total ratio between the value of credit that can be provided by a bank to the value of collateral in the form of property at the time of initial lending to customers. This research aims to be able to know how the procedures for implementing risk management in Sharia Home Ownership Loans (KPR) financing and knowing FTV policies can minimize problem financing on Sharia KPR products at Bank Muamalat Branch Office (KC) Medan City Hall. In this study, the authors used qualitative research with a case study approach. Data collection techniques used interviews and documentation. From the results of the research conducted, it was found that Bank Muamalat KC Medan City Hall has fully implemented Bank Indonesia’s policy regarding Finance to Value (FTV) in KPR financing products. However, this implementation is not fully in accordance with existing policies and the application of these policies has not fully minimized the NPF of Sharia KPR. In addition, the implementation of Sharia Home Ownership Loans (KPRS) distribution carried out by Bank Muamalat KC Medan City Hall did not go well due to several things that caused problematic financing, including non-performing loans. Problematic credit financing at Bank Muamalat KC Medan City Hall is caused by two things, namely debtors and creditors. To prevent and overcome problem financing loans that have been carried out by Bank Muamalat KC Medan City Hall, namely by providing understanding to debtors and providing concessions to ongoing credit problems.
PENYULUHAN KOTORAN TELINGA (SERUMEN PROP) PADA RUMAH SAKIT BINTANG AMIN Kasim, Muslim; Prasetyo, Adi; Pangestu, Ridho; Gustara, Aji; Fazriati, Nurul; Nadila, Prily; Hazhima, Willana; Paramita, Nadira; Siti, Destri; Angelica, Irda; Razetha, Rara; Nurindahsari, Yahdhiani; Anatasya, Rizky; Bisma, I Gede; Taufik, Riza; Dhyta, Lintang; Pratiwi, Noviana
Jurnal Abdimas Kedokteran & Kesehatan Vol 1, No 1 (2023): Volume 1 Nomor 1
Publisher : Universitas Malahayati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/jakk.v1i1.12298

Abstract

AbstrakTelinga merupakan salah satu indera manusia yang berperan penting. Telinga berfungsi untuk mendengar bunyi. Bila fungsi telinga terganggu, maka akan terjadi gangguan pendengaran. Gangguan pendengaran masih merupakan masalah kesehatan yang belum mendapat perhatian serius dari masyarakat. Pada anak-anak, gangguan pendengaran dapat menyebabkan sulit menerima pelajaran di sekolah dan gangguan dalam berkomunikasi sehingga prestasi dan produktivitas menurun. Lebih lanjut gangguan pendengaran ini dapat menyebabkan seseorang menarik diri dari lingkungan dan masyarakat sehingga timbul perasaan kesepian dan frustasi (Kemenkes, 2010). World Health Organization (WHO) menyebutkan bahwa terdapat lebih dari 5% populasi dunia mengalami gangguan pendengaran (432 juta dewasa dan 34 juta anak-anak) (WHO, 2021). Berbagai macam penyakit pada telinga dapat menyebabkan gangguan pendengaran. Gangguan pendengaran pada anak juga berkaitan dengan tingginya angka infeksi saluran nafas atas yang menyebabkan terjadinya Otitis media. Lestari dkk pada penelitiannya di RSUD. Dr. H. Abdul Moeloek Provinsi Lampung tahun 2016 mendapatkan angka kejadian Otitis Media Akut (OMA) pada kelompok usia 0 – 5 tahun sebayak 24 orang (16,8 %), kelompok usia 6 – 11 tahun sebanyak 22 orang (15,4 %),dan kelompok usia 12–16 tahun sebanyak 22 orang (15,4%) (Lestari et al., 2018).Kata kunci: Edukasi, Serumen Prop.
Co-Authors Adi Prasetyo Anatasya, Rizky Angelica, Irda Bisma, I Gede Dhyta, Lintang Fazriati, Nurul Gustara, Aji Hazhima, Willana Kasim, Muslim Nadila, Prily Noviana Pratiwi, Noviana Nurindahsari, Yahdhiani Nurul Jannah Pangestu, Ridho Razetha, Rara Siti, Destri Suggianto, Sugianto Taufik, Riza