Abstract:This study aims to review the mortgage lending process in a bank, focusing on procedures, requirements, and challenges faced by both the bank and customers. The research background is based on the author's internship experience…
erience at the bank, providing an opportunity to gain in-depth insights into the mortgage approval mechanism from a practical perspective. This study employs a qualitative method, utilizing interviews with bank employees involved in the mortgage application process and literature studies related to banking policies. The findings reveal that mortgage approval involves a comprehensive evaluation of the borrower's financial capability, including credit analysis and compliance with banking regulations. Additionally, several challenges were identified, such as the lengthy administrative process and credit risk factors that the bank must consider. The conclusion of this study emphasizes that mortgage lending requires a balance between the bank's interests and customer needs, necessitating innovations in procedures and service optimization to improve process efficiency.
Abstract:The need for accountability in Indonesian government demands transparency and accurate financial reports. This research examines the influence of work competency and the use of information technology (IT) on the quality…
of financial reports and their impact on the operational efficiency of Korem 083/BDJ. With quantitative descriptive methods and path analysis using SmartPLS and SEM-PLS, this research involved employees in the planning and finance fields. The variables studied include work competency, IT utilization, financial report quality, and operational efficiency. The research results show that IT utilization has a positive impact on operational efficiency, while work competency has a negative impact. However, work and IT competencies contribute positively to the quality of financial reports, which ultimately increases operational efficiency. The quality of financial reports has also been proven to mediate the relationship between work competency, IT utilization and operational efficiency. These findings confirm that increasing operational efficiency is very dependent on the quality of financial reports as well as optimizing information technology and work competencies.
Abstract:The distribution of professions in Padang City reflects the relationship between geographical factors and the socio-economic needs of the community. This research aims to analyse the distribution pattern of professions,…
such as the State Civil Apparatus (ASN), advocates, and the press in Padang City in the aspect of social geography studies. The methods used in this research are observation and literature study. Observations were conducted to identify the location of government offices, law firms, and press offices, while literature studies used secondary data from the Central Statistics Agency (BPS) report and thematic maps. The results show that the civil servant profession is concentrated in the centre of government to support the efficiency of public services, particularly in West Padang and East Padang. Advocate firms are located around economic centres and courts, which facilitate access for people who need legal services. Meanwhile, the press profession is concentrated in the city centre to support fast and efficient information distribution. The distribution of these professions is influenced by accessibility, population concentration, and the socio-economic needs of the community. The findings provide an overview of how geographical factors play an important role in the distribution of professions in Padang City. It is hoped that this research can serve as a reference for more strategic development planning and human resource management in the future.
Abstract:The Indonesia-Malaysia-Thailand Growth Triangle (IMT-GT) is an important factor in the development of the halal food and industry sector in Thailand. Through collaborative efforts that promote knowledge sharing and best…
practices, technological advancements that enhance efficiency and transparency, regulatory frameworks that facilitate trade, and capacity-building initiatives that empower local enterprises, the Indonesian government has been able to enhance the quality and competitiveness of its products on the global market by sharing successful experiences and tactics in halal certification, product monitoring, and regulation. In this study, we adopted a qualitative approach to examine the contribution of the Indonesia-Malaysia-Thailand Growth Triangle in improving the quality of the food industry in Thailand. The qualitative findings provided a theoretical framework and conceptual dimensions, enhancing the understanding of how IMT-Growth Triangle initiatives influence the development and management of a sustainable dietary system in Thailand from the very beginning.
Abstract:This research evaluates the performance of coastal safety structures in mitigating wave runoff through laboratory-scale simulations. Pancana Beach in Barru Regency, South Sulawesi, was selected as the research site due to…
o its vulnerability to wave-induced beach damage. To simulate wave conditions, a wave generator was designed using a 12-volt DC motor integrated into an acrylic wave bath. This research analyses the effectiveness of three types of coastal safety structures: reflectors, sea walls and sloping sea walls. Laboratory experiments measured the wave overflow volume for each type of structure under controlled conditions. The results showed that reflector-type structures achieved the highest efficiency in mitigating wave overtopping, with an average minimum overtopping value of 0.006 m³/ms. The findings emphasise the importance of selecting and designing appropriate coastal protection measures to minimise coastal erosion, protect coastal infrastructure and reduce risks to surrounding settlements. This study contributes valuable insights into the role of engineered structures in enhancing coastal resilience, especially for areas vulnerable to high wave energy.
Abstract:Under the guidance of Mr. Dedi Kusbiantoro, S.P., M.M. as chairman of the supervisory commission and Mrs. Hj. Henny Pratiwi, S.P., M.M. as a member of the advisory committee. The purpose of this study was to determine the…
e pattern of tofu marketing channels, to analyze tofu marketing costs, profits and margins; and to analyze the level of economic efficiency of each tofu marketing channel in Dolok Masihul District, Serdang Bedagai Regency. The choice of research location was done purposively. The sample in this study were 19 respondents who owned the tofu industry. Field research was conducted from March 2022 to April 2022. The method used is marketing margin analysis to determine differences in price levels in marketing channels, this study also uses farmer's share analysis to determine marketing efficiency. The results of the study concluded that the fried tofu housing industry in Dolok Masihul District has 2 (two). In marketing channel I, the total marketing cost is Rp. 30/ptg, the total marketing profit for retailers is Rp. 303.33/ptg, and the marketing margin is Rp. 83.33/ptg. For marketing channel II there is no marketing fee. On stock farmers that marketing channels I and II are included in the efficient category.
Abstract:This qualitative research discusses the implementation of the Financial Management Accounting Information System (FIS) and its implications for the efficiency and effectiveness of financial management of organizations or…
companies. Through a case study approach, this research analyzes how the implementation of AIS-PK affects the sprocess of recording, monitoring, and reporting finances. Data were obtained through interviews with relevant personnel, direct observation, and analysis of finance-related documents. The results show that the implementation of AIS-PK positively affects the efficiency of financial management by improving accuracy and speed in recording transactions and monitoring cash. In addition, the ability to generate real-time financial reports also strengthens more timely decision-making. The implication of these findings is the importance of information technology integration in financial management strategies to improve organizational or corporate performance
Abstract:This research is to analyze the implementation of management information system to improve employee performance in the company. The method used is qualitative descriptive method of analysis. The data sources used are various…
ious references or library sources about the study of the implementation of management information systems to improve employee performance. Data collection techniques through documentation techniques, namely by carefully and critically reading various references. The result of this study is that the implementation of management information system provides benefits for employees by providing time efficiency, data accuracy, work effectiveness and group management that it can improve employee performance in the company.
Abstract:This study investigates the role of information systems integration in improving the performance of financial management and human resources (HR) at PT Sentra Food Indonesia Tbk. Through Literature Research, this research…
h details the information system integration strategy implemented by the company and its impact on financial and HR management. The results show that effective information system integration enables better access to financial information, supports more timely decision making, and improves the company's operational efficiency. In addition, information system integration also contributes to HR management processes, including recruitment, training, and employee performance evaluation. The findings highlight the importance of investment in information technology and HR development as strategies to improve overall company performance. The practical implications of this study provide valuable insights for company management in designing integrated strategies to achieve their business goals.
Abstract:This study aims to implement a Decision Support System (SPK) using the Analytical Hierarchy Process Method (AHP) in selecting employees of Micro, Small and Medium Enterprises (MSMEs) Djoeragan Ayam Penyet East Jakarta. The…
he AHP method is used to facilitate more objective and structured decision making in the employee selection process. This research involved interviews with MSME owners and related staff, direct observation in the employee selection process, as well as literature studies to gain an in-depth understanding of the concepts and applications of the AHP Method in the context of employee selection. The results show that the implementation of SPK using the AHP Method can improve objectivity, consistency, and efficiency in the employee selection process. Suggestions for the development and implementation of an effective SDM are also presented. This research contributes to the development of more scientific and measurable decision-making methods in human resource management, especially in the context of MSMEs.