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:This study aims to examine the procedures involved in the provision of Kredit Guna Bhakti (KGB) at Bank Bjb KCP Mitra Batik Tasikmalaya, identify the challenges encountered during the process, and evaluate the solutions…
implemented to address these obstacles. This study uses a qualitative descriptive approach, with data collection methods through interviews with bank staff, direct observation of the credit process, and literature review. Findings reveal that the KGB procedure consists of several key stages: application submission, credit analysis, credit decision, credit agreement, and fund disbursement. However, its implementation faces both internal and external challenges, such as limited credit staff resulting in slower service, and a lack of understanding among prospective borrowers regarding the credit procedure. To address these issues, the bank has prepared appropriate solutions. Overall, the KGB procedure at Bank Bjb KCP Mitra Batik has been carried out effectively and efficiently.
Abstract:PT Angkasa Pura 1 (Persero) is an airport service company that earns revenue from Aeronautical and Non-Aeronautical services. In this study we will examine the implementation of an internal control system for trade receivables…
vables related to money deposited at PT Angkasa Pura 1 Manado Branch. To analyze this problem, we used a descriptive qualitative case study method, using primary and secondary data. The results show that the application of the Internal Control System to trade receivables is not in accordance with the AIS standard. Where, companies should tighten regulations regarding credit payments, and require additional documents for transfer payments. So that transfer errors from tenants can be quickly confirmed, and recording does not need to be done in the Custody Account. Also implementing Virtual Accounts in the future to facilitate transactions and recording in the future.
Abstract:The discussion related to bank credit problems cannot be denied that there are urgent matters that can be considered disturbing for the bank as a creditor, one of which is related to the impact of divorce which certainly…
causes problems in terms of implementing the credit agreement system made. In several previous studies, it was found that after a divorce, customers face unfavorable financial conditions, so in the end they experience problem loans because the object of credit is joint property. Spouses who have divorced and are entitled to gono-gini property, often have disputes about this. However, the wishes of each party are usually contrary to the laws applicable to the divided gono-gini property. The purpose of this study is to analyze the juridical joint property with the marriage Agreement and analyze the validity of Bank Credit Agreements by customers who are bound by marital Status with the object of joint property.
Abstract:This study was motivated by the low level of professional competence among elementary school teachers despite the fact that most teachers have obtained certification and adequate academic qualifications. Curriculum changes,…
es, advances in educational technology, and the demands of 21st-century learning require teachers to possess adaptive, reflective, and collaborative professional competencies. The research problem focused on the influence of reflective practice and best practice on the professional competence of teachers at A-accredited public elementary schools in Cilegon City. The study employed a quantitative approach with a causal-comparative design involving 105 teachers selected through proportionate stratified random sampling. Data were collected using Likert-scale questionnaires and analyzed through multiple linear regression using EViews 12. The results revealed that reflective practice had a positive and significant effect on teachers’ professional competence, with a t-value of 4.697 and a significance value of 0.000. Best practice also demonstrated a positive and significant effect, with a t-value of 5.065 and a significance value of 0.000. Simultaneous testing indicated that reflective practice and best practice jointly had a significant effect on teachers’ professional competence, with an F-value of 43.72 and a coefficient of determination of 52.2%. The findings confirm that reflective and collaborative cultures are capable of improving teachers’ professional quality continuously through learning evaluation, sharing teaching experiences, and developing innovative instructional strategies. The novelty of this study lies in the simultaneous examination of reflective practice and best practice through a quantitative approach within the context of A-accredited public elementary schools in Cilegon City. The findings also demonstrate that best practice exerts a greater influence than reflective practice on the professional competence of elementary school teachers.
Abstract:Dyslexia is a neurodevelopmental disorder that specifically affects an individual's ability to process phonological and orthographic information, thereby hindering the development of basic literacy skills. In inclusive education…
ducation systems at the elementary level, these limitations are often not addressed through pedagogical approaches that align with the neurocognitive needs of learners. The problem addressed in this study is the effectiveness of the multisensory learning approach in improving the reading skills of children with dyslexia in inclusive elementary education settings. This research was conducted through a systematic literature review using a descriptive qualitative approach, drawing upon scholarly sources published in nationally and internationally accredited journals over the past decade. Thematic analysis was employed to identify consistent empirical findings related to multisensory interventions. The results show that the multisensory approach (which simultaneously engages visual, auditory, kinesthetic, and tactile modalities) has been proven to enhance phonological decoding, word recognition accuracy, reading fluency, and learning affectivity in children with dyslexia. Its effectiveness is highly influenced by the duration and intensity of the intervention, educators' competence in designing multisensory activities, and the suitability of materials to individual sensory profiles. The conclusion of this review asserts that the multisensory approach is not merely a remedial strategy, but a neuroeducation-based pedagogical framework that is inclusive and transformative. The novelty of this research lies in its integrative emphasis on the multisensory approach and principles of educational neuropsychology as the foundation for developing learning models that are responsive to the needs of neurodivergent learners in the context of inclusive elementary education in Indonesia.
Abstract:Cooperatives are membership-based economic entities that play a vital role in driving the growth of the microeconomic sector and improving member welfare through the principles of economic democracy. The sustainability of…
f cooperative performance heavily depends on effective financial management, particularly in maximizing the utilization of cash, receivables, and assets to enhance profitability. This study aims to examine the influence of cash turnover, receivables turnover, and total asset turnover on the profitability of cooperatives, as measured by Return on Assets (ROA) as a financial performance indicator. The research employs a quantitative approach using multiple linear regression analysis, based on secondary data from cooperative financial statements covering the period from 2019 to 2024. The analysis results show that both simultaneously and partially, the three independent variables have a positive and significant effect on profitability. Cash turnover and total asset turnover are the primary determinants in improving ROA, reflecting the importance of efficiency in managing liquidity and productive assets. Meanwhile, although receivables turnover is also significant, it requires strict supervision in the implementation of credit policies to avoid an increase in non-performing receivables. These findings contribute empirical evidence to the literature on cooperative financial management and offer practical implications for cooperative managers in designing financial resource management strategies aimed at improving performance and business sustainability. Therefore, optimizing the management of cash, receivables, and assets should be a strategic priority within cooperative financial systems to withstand increasingly complex and competitive economic dynamics.
Abstract:Abstract: The development of information technology has brought significant transformation in the field of education, particularly in academic decision-making. This study aims to develop a Decision Support System (DSS) based…
ased on the PROMETHEE method (Preference Ranking Organization Method for Enrichment Evaluation) to assist prospective students in objectively and systematically selecting the best university in Asahan Regency. The main issue addressed is the lack of integrated information regarding the strengths of each educational institution, as well as the absence of a recommendation system that considers various important criteria such as accreditation, facilities, tuition fees, achievements, and study programs. This research uses a quantitative approach with data collection techniques including observation, interviews, questionnaires, and documentation. The implementation results of the PROMETHEE method show that Royal University achieved the highest ranking, followed by Asahan University and STIKES As Syifa Kisaran. This method has proven effective in producing rational and transparent campus rankings based on multi-criteria preferences. The findings are expected to serve as a reference for prospective students and educational institutions in improving the quality and competitiveness of higher education in the Asahan region.
Keywords: decision support system promethea; campus selection; multi-criteria; asahan.
Abstrak: Perkembangan teknologi informasi telah membawa transformasi signifikan dalam dunia pendidikan, khususnya dalam pengambilan keputusan akademik. Penelitian ini bertujuan untuk membangun sistem pendukung keputusan (SPK) berbasis metode PROMETHEE (Preference Ranking Organization Method for Enrichment Evaluation) guna membantu calon mahasiswa dalam memilih kampus terbaik di Kabupaten Asahan secara objektif dan terstruktur. Permasalahan yang diangkat adalah kurangnya informasi terintegrasi mengenai keunggulan masing-masing institusi pendidikan serta belum tersedianya sistem rekomendasi yang mempertimbangkan berbagai kriteria penting seperti akreditasi, fasilitas, biaya pendidikan, prestasi, dan program studi. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui observasi, wawancara, kuesioner, dan dokumentasi. Hasil implementasi metode PROMETHEE menunjukkan bahwa Universitas Royal memperoleh peringkat tertinggi diikuti oleh Universitas Asahan dan STIKES As Syifa Kisaran. Metode ini terbukti mampu menghasilkan peringkat kampus secara rasional dan transparan berdasarkan preferensi multikriteria. Temuan ini diharapkan dapat menjadi acuan bagi calon mahasiswa dan pihak institusi dalam meningkatkan kualitas dan daya saing perguruan tinggi di wilayah Asahan.
Kata kunci: sistem pendukung keputusa; promethee; pemilihan kampus; multi kriteria; asahan
Abstract:Abstrack: Currently, companies face problems in credit assessment methods which are still manual and take a long time to process data. Storing and searching archives is also a challenge, especially in matching up to date…
information. This research aims to develop a decision support system (DSS) to help PT. Interyasa Mitra Mandiri Kisaran Branch in assessing credit worthiness more efficiently. In this research, the simple and effective Simple Additive Weighting (SAW) method was used. This method will produce a SPK that explains the decision-making process graphically and considers various assessment criteria. By using the developed SPK, it is hoped that companies can increase efficiency in assessing credit worthiness, speed up data processing, and simplify information searches. An important implication of this research is the increased effectiveness and accuracy of credit worthiness assessments as well as the ease of decision making for PT. Interyasa Mitra Mandiri Kisaran Branch. With an integrated SPK, companies can optimize their processes and obtain relevant and timely information to support credit-related decisions. This will help companies make better decisions and reduce the time required for the credit worthiness assessment process.
Keywords: decision support system; simple additive weighting; debtor; Pt. Interyasa Mitra Mandiri
Abstrak : Saat ini, perusahaan menghadapi masalah dalam metode penilaian kredit yang masih manual dan memakan waktu lama dalam pengolahan data. Penyimpanan dan pencarian arsip juga menjadi tantangan, terutama dalam mencocokkan dengan informasi terbaru. Penelitian ini bertujuan mengembangkan sistem pendukung keputusan (SPK) untuk membantu PT. Interyasa Mitra Mandiri Cabang Kisaran dalam menilai kelayakan kredit dengan lebih efisien. Dalam penelitian ini, digunakan metode Simple Additive Weighting (SAW) yang sederhana dan efektif. Metode ini akan menghasilkan SPK yang menjelaskan proses pengambilan keputusan secara grafis dan mempertimbangkan berbagai kriteria penilaian. Dengan menggunakan SPK yang dikembangkan, diharapkan perusahaan dapat meningkatkan efisiensi dalam penilaian kelayakan kredit, mempercepat pengolahan data, dan menyederhanakan pencarian informasi. Implikasi penting dari penelitian ini adalah meningkatnya efektivitas dan akurasi penilaian kelayakan kredit serta kemudahan dalam pengambilan keputusan bagi PT. Interyasa Mitra Mandiri Cabang Kisaran. Dengan adanya SPK yang terintegrasi, perusahaan dapat mengoptimalkan prosesnya dan mendapatkan informasi relevan dan tepat waktu untuk mendukung keputusan terkait kredit. Hal ini akan membantu perusahaan dalam mengambil keputusan yang lebih baik dan mengurangi waktu yang dibutuhkan untuk proses penilaian kelayakan kredit.
Kata Kunci: sistem pendukung keputusan; simple additive weighting; debitur; PT. Interyasa Mitra Mandiri
Abstract:Abstract: PT. Interyasa Mitra Mandiri Kisaran is a company whose products are engaged in trade that sells electronics and furniture in cash or credit. Granting crdit can provide relief to consumers, giving rise to the level…
vel of consumer interest in buying, which means the company’s sales turnover is higher and the company’s cash receipts will increase. Determining which consumers deserve credit is not easy. Companies need a Decision Support System (DSS) that can help determine the creditwhorthiness of potential customers. The decision making calculation method used in this study is a simple additive weighting method with 5 criteria, namely discipline, down payment, monthly income, credit guarantee, and residence of status. The system was built using the PHP MySQL language and Sublime Text as the programming code. And the object-oriented system modeling language used is UML (Unifed Modelling Language). By using this SAW Method, it is hoped that the final result will be obtained as a tool to determine the credit extension to potential consumers who are eligible to be given.
Keywords :Credit, DSS, Simple Additive Weighting (SAW), UML.
Abstrak :PT. Interyasa Mitra Mandiri Kisaran merupakan perusahaan yang produknya bergerak di bidang perdagangan yang menjual barang elektronik dan furniture secara cash maupun kredit. Pemberian kredit dapat memberikan keringanan kepada konsumen, sehingga menimbulkan besarnya minat konsumen untuk membeli, yang berarti omset penjualan perusahaan menjadi lebih tinggi dan penerimaan kas perusahaan akan meningkat. Menentukan konsumen yang layak diberikan kredit bukanlah hal yang mudah.Perusahaan membutuhkan sebuah Sistem Pendukung Keputusan (SPK) yang dapat membantu dalam menentukan kelayakan pemberian kredit untuk calon konsumen. Metode perhitungan pengambilan keputusan yang digunakan pada penelitian ini adalah Metode Simple Additive Weighting (SAW) dengan 5 kriteria yaitu kedisiplinan, uang muka, penghasilan perbulan, jaminan kredit dan status tempat tinggal. Sistem ini dibangun menggunakan bahasa PHP MySQL dan Sublime Text sebagai koding pemrogramannya.Serta bahasa pemodelan sistem berorientasi objek yang digunakan adalah UML (Unifed Modelling Language). Dengan menggunakan metode SAW ini, diharapkan mendapatkan hasil akhir sebagai alat bantu untuk menentukan pemberian kredit kepada calon konsumen yang layak diberikan.
Kata Kunci :Kredit, SPK, Simple Additive Weighting (SAW), UML.