Suchergebnisse

In reaction to the rapid increase of garbage, the Indonesian government has addressed the serious challenge of waste problems, and Malang Municipality local government established Malang Waste Bank (Bank Sampah Malang (BSM)) for the purpose of the implementation of reducing, reusing, and recycling (3Rs). The 3Rs are implemented by running a waste recycling business and encouraging people to separate their waste. This study aims to analyze the current reality of BSM activities and clarify its economic viability. In order to measure the economic viability of BSM, BSM's budget performances were analyzed by using BSM's financial statements, whereas the role of BSM as a social function is examined by analyzing the in-depth interviews, field observations, and secondary data. The results of the analysis show that BSM is not economically profitable. However, the existence of BSM should be maintained because it has many social benefits, such as changing people's behavior toward waste, enhancing community participation in managing waste, and giving extra money to BSM's members.

One of the Indonesia's Government efforts to improve the quality of education, particularly at the primary and secondary level, is the provision of BSM. This program launched under TNP2K due to the lack of significant BOS program in overcoming the number of drop out students due to parenting difficulties in meeting other educational needs such as uniforms, shoes, transportation costs and other education expenses not covered by BOS funds. However, the implementation of BSM has drawn a lot of criticism, especially regarding budget management and in terms of targeting, thus potentially hampering the achievement of BSM policy objectives. At the same time, there are inclusive errors and depending on the level of education, 50 to 70 percent of beneficiaries are ineligible. Whereas the budget for BSM program is proportional and in 2017 reaches Rp. 416.1 trillion or 27.4 percent of total APBN expenditure. Using the data from the 5th Indonesian Family Life Survey (IFLS) wave 5th, this study analyses the impact of BSM delivery on student achievement as measured by the final school exam scores. The method of analysis used is Propensity Score Matching, so the average treatment effect of BSM policy can be obtained. Despite the low targeting performance, the analysis shows that the program has a positive effect. Analysis shows Students who receive BSM program assistance get a higher test score of 5.6 percent than students who do not receive the program. Based on the analysis, the paper concludes that the program should be maintained and targeting efficiency needs to be improved as the program has a meaningful effect for low-income households in terms of increasing student achievement.

144 páginas, 60 figuras, 9 tablas.-- Trabajo presentado al Physics at TeV Colliders: Session I & II celebrado en Les Houches (Francia) del 8 al 26 de junio de 2010.-- El Pdf de la comunicación es la versión pre-print: arXiv:1003.1643v1.-- Working Group "Tools and Monte Carlo": et al. ; This is the summary and introduction to the proceedings contributions for the Les Houches 2009 "Tools and Monte Carlo" working group. ; The meeting was financially supported by the European Union Marie Curie Conferences and Training Courses Contract: CT-2006- 046171, the Haute Savoie and Rhône Alps regions, Universite Savoie, LAPP and LAPTH Annecy, CNRS and the Ministéré des Affaires Étrangers. ; Peer reviewed

IMPLEMENTASI BANTUAN SISWA MISKIN SEKOLAH DASAR (BSM-SD) DI SDN CANDINEGORO KECAMATAN WONOAYU KABUPATEN SIDOARJO Kurnia Oktavia Sujatmiko S1 Ilmu Administrasi Negara Fakultas Ilmu Sosial Universitas Negeri Surabaya kurniaoktaviasujatmiko@ymail.com Weni Rosdiana, S.Sos.,M.AP. Abstrak Program BSM adalah bantuan dari pemerintah berupa sejumlah uang tunai yang diberikan kepada siswa miskin. Target group program BSM adalah orang tua siswa penerima KPS, PKH, dan siswa yatim piatu. Tujuan program BSM adalah membantu siswa dari keluarga tidak mampu. Permasalahan implementasi program BSM di SDN Candinegoro Kecamatan Wonoayu Kabupaten Sidoarjo adalah keterlambatan pencairan dana BSM, kurangnya sosialisasi antar pihak pelaksana, dan penyalahgunaan yang dilakukan oleh orang tua siswa. Tujuan penilitian ini adalah untuk mendiskripsikan pelaksanaan program BSM di SDN Candinegoro Kecamatan Wonoayu Kabupaten Sidoarjo. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Subjek penelitian dalam penelitian ini adalah pelaksana BSM di Dinas Pendidikan Kabupaten Sidoarjo, UPTD Pendidikan Kecamatan Wonoayu Kabupaten Sidoarjo, Kepala desa Candinegoro, SDN Candinegoro, siswa dan wali murid penerima BSM. Teknik pengumpulan data yang digunakan adalah wawancara, observasi, dokumentasi dan triangulasi. Teknik analisis data kualitatif. Hasil penelitian menunjukkan dari variabel ukuran dan tujuan kebijakan, ukuran belum sepenuhnya tercapai, karena masih ada siswa miskin yang sudah menerima BSM. Sumberdaya manusia sudah sesuai dengan kriteria yang dibutuhkan, sumberdaya dana mengalami keterlambatan pencairan dana BSM, dan sumberdaya waktu ada masalah dalam pendistribusian dana BSM. Karakteristik agen pelaksana sudah sesuai dengan tupoksi. Sikap atau kecenderungan para pelaksana sangat ramah. Intensitas komunikasi antarorganisasi dan aktifitas pelaksana dilakukan melalui surat dan telepon, dan kondisi sosial adanya dukungan dan partisipasi dari siswa dan orang tua cukup baik, kondisi ekonomi yang rendah dan elite politik ditingkat desa yang mendukung keberhasilan program tesebut. Saran yang diberikan dalam penelitian ini adalah Tim Manajemen BSM Pusat diharapkan mau berkoordinasi dengan Pemerintah daerah dan bank BRI supaya tidak lagi terjadi keterlambatan dalam penyaluran dana, meningkatkan kesadaran orang tua siswa agar tidak menyalahgunakan dana BSM, dan pihak sekolah memprioritaskan anak yang tidak mampu. Kata Kunci: Implementasi Kebijakan, Bantuan Siswa Miskin

Abstrak :Bank Mandiri Syariah KCP Abepura dalam pencapaian target pembiayaan BSM Implan ini dilakukan dengan menerapkan marketing mix yaitu dengan cara bauran pemasaran yang terdiri dari empat komponen, yaitu: product, price, place, dan promotion. Untuk mengimplementasikan 4P ini dilakukan pemasaran yaitu silaturahmi ke instansi-instansi pemerintah, opentable (menawarkan secara langsung dengan nasabah), pemasaran dengan penawaran ke instansi yang sudah kerjasama dengan Bank Mandiri Syariah KCP Abepura, serta dengan penawaran kerjasama dengan instansi lain. Marketing Mix sebagai alat untuk pencapaian target pembiayaan BSM Implan maka sudah bisa dijadikan tolak ukur keberhasilan Markettng dalam memasarkan produk tersebut, ini dibuktikan dengan meningkatnya produk pembiayaan BSM Implan tiap tahunnya. Kata Kunci: Marketing Mix, Pembiayaan BSM Implan. Abstract:Mandiri Syariah Bannk Abepura unit in achieving the BSM Implants financing target is carried out by applying a marketing mix by means of a marketing mix consisting of four components, namely: product, price, place, and promotion. To implement this 4P, marketing is done through hospitality to government agencies, opentable (offering directly with customers), marketing with offers to agencies that have collaborated with Bank Mandiri Syariah Abepura KCP, as well as by offering cooperation with other agencies. Marketing Mix as a tool for achieving BSM Implants financing targets can be used as a benchmark for Markettng's success in marketing these products, this is evidenced by the increasing BSM Implants financing products each year. Keywords: Marketing Mix, BSM Implants Financing.

Abstract This study discusses the Problem Solving Financing Strategy to Prevent Financial Distress at Bank Syariah Mandiri (BSM) Bone Branch The purpose of this study is to describe the level of financing problems at Bank Syariah Mandiri Bone Branch, analyze the factors that cause the emergence of problematic financing at Bank Syariah Mandiri Branch Bone and what strategies are used in handling problematic financing in preventing Financial Distress at Bank Syariah Mandiri Bone Branch. The research technique used was qualitative through descriptive data analysis which was analyzed by normative juridical and socioeconomic approach. The results showed that the level of financing problems at the Syariah Branch of Bank Mandiri in general, given in large quantities and the deposition is quite long. For this reason, projected cash flow projections need to be prepared. After that, the amortization schedule is arranged, which is an installment (repayment) of financing. Then, to estimate the calculation and preparation of the balance sheet and profit and loss statements during the financing period. It is from this estimate that the company's ability to generate profits and the company's ability to meet its obligations are known. Furthermore, a factor that caused a large number of problematic financing, namely the existence of PNS credit customers using the Qard contract, was categorized as not financing but services. However, over time this product has experienced problems, beginning with the emergence of overlapping government policies and also due to the transfer of salaries from the Bank Syariah Mandiri branch of Bone to government banks such as Bank Sulsel (BPD). The strategy adopted in handling problem financing in preventing financial distress is the Phase out strategy. Strategies that are generally carried out, can be broadly grouped into two types of approaches, namely soft approach and hard approach. Soft approach. The steps taken in the form of restructuring, reconditioning, rescheduling and innovation are applied with conditions that are relatively similar to the stay strategy, but banks no longer wish to establish relationships for the long term.Abstrak Penelitian ini Membahas Tentang Strategi Penyelesaian Pembiayaan Bermasalah untuk Mencegah Financial Distress pada Bank Syariah Mandiri (BSM) Cabang Bone Tujuan penelitian ini untuk memaparkan tingkat masalah pembiayaan pada Bank Syariah Mandiri Cabang Bone, menganalisis faktor-faktor yang menyebabkan munculnya pembiayaan bermasalah pada Bank Syariah Mandiri Cabang Bone dan strategi apa yang di tempuh dalam penanganan pembiayaan bermasalah dalam mencegah Financial Distress pada Bank Syariah Mandiri Cabang Bone. Teknik penelitian yang digunakan adalah kualitatif melalui analisis data deskriptif yang dianalisis dengan pendekatan yuridis normatif dan pendekatan sosioekonomi.Hasil penelitian menunjukkan bahwa tingkat masalah pembiayaan pada Bank Syariah Mandiri Cabang Bone secara umum, diberikan dalam jumlah besar dan pengendapannya cukup lama. Disebabkan itu, perlu disusun proyeksi arus kas (projected cash flow). Setelah itu, barulah disusun jadwal amortisasi yang merupakan angsuran (pembayaran kembali) pembiayaan. Kemudian, untuk memperkirakan perlu diadakan perhitungan dan penyusunan proyeksi neraca dan rugi laba selama waktu pembiayaan. Dari perkiraan inilah diketahui kemampuan perusahaan untuk menghasilkan laba dan kemampuan perusahaan untuk memenuhi kewajibannya. Selanjutnya, faktor yang menyebabkan banyaknya pembiayaan bermasalah yaitu adanya nasabah kredit PNS yang menggunakan akad Qard dikategorikan bukan pembiayaan melainkan jasa. Namun demikian, seiring berjalannya waktu produk ini mengalami masalah, diawali dengan munculnya kebijakan pemerintah yang saling tumpang tindih dan disebabkan pula dengan perpindahan gaji dari Bank Syariah Mandiri Cabang Bone ke bank pemerintah seperti seperti Bank Sulsel (BPD). Strategi yang ditempuh dalam penanganan pembiayaan bermasalah dalam mencegah financial distress adalah dengan Phase out strategy. Strategi yang umumnya dijalankan, secara garis besar dapat dikelompokkan menjadi dua macam pendekatan merupakan soft approach dan hard approach. Soft approach. Langkah-langkah yang diambil berupa restructuring, reconditioning, rescheduling dan inovasi yang diterapkan dengan kondisi yang relative sama dengan stay strategy, namun bank tidak lagi berkeinginan menjalin hubungan untuk jangka panjang.

Zakat is a part of a personal muslim responsibility, it is the third of uarkanul Islam". The development of business entity affects the map, types, and characteristics of business, then affects also the map of zakat dues. During the period of the Prophet Muhammad, the type of business was different from the type of business today. There is no a specific Quranic ayah or hadist determines the company zakat rate. Mostly the rate of zakat based on economic activities rather than on an entity. In that case we have a problem how to calculate a company zakat. This study will discuss how some companies which daim as a syariah companies calculate their entity zakat. This issue becomes more important after the government implement the Zakat Act (UU) No 38/ 1998.Keywords: Islamic Fiqih, Zakat, Islamic accounting, Islamic organaization.

Poor Student Assistance is very helpful for students to meet the needs in learning activities and in completing the students themselves is very supportive in government programs that have to study nine years (preferably up to the upper secondary level), to help smooth the Poor Student Assistance which is directly to students and this does not aim for students who excel because it considers the condition of students. To find out the pattern of determining poor students' assistance recipients can be done by utilizing student data and poor student aid recipient data. Searching for patterns of determining students who receive aid from poor students is expected to be able to analyze the factors that greatly affect the recipients of poor student assistance. The method in accordance with the above problems using the Description Method, Description is one of the uses of data mining to explore and collect a lot of data. The description method is useful for characterizing or describing a condition, history, object.Keywords: Data Mining, Poor Student Assistance, Method Description