Search

This study discusses the spread of the Covid-19 disease by including new variant variables. The model used by SIVRS assumes there are deaths caused by Covid-19 and the new variant Covid-19. In addition, individuals who have been infected with the new variant of Covid-19 can recover. Based on the model, disease-free equilibrium points and endemic equilibrium points are obtained. The analysis was carried out around the disease-free equilibrium point and the result was that the global asymptotically stable disease-free equilibrium point with the condition R0

Imunoterapi banyak digunakan untuk meningkatkan response rate dari obat kemoterapi. Bawang dayak diketahui mengandung senyawa fitokimia yang mempunyai efek antiproliferasi, dan telah digunakan sebagai terapi empiris anti kanker. Penelitian ini bertujuan untuk membuktikan pengaruh bawang dayak terhadap pertumbuhan neoplasma pada tikus Sprague-Dawley yang diinduksi DMBA secara oral. Penelitian ini menggunakan 18 ekor tikus Sprague-dawley, dibagi menjadi 3 kelompok, K, P1 dan P2. K diberi pakan biasa, P1 mendapat adriamycin 5 mg/kgBB/hari single dose, P2 mendapat ekstrak bawang dayak 105 mg/kgBB/hari selama 5 minggu. Rerata jumlah neoplasma tertinggi terdapat pada kelompok K, rerata terendah terdapat pada kelompok P1. Terdapat perbedaan bermakna dalam hal rerata jumlah neoplasma antar kelompok perlakuan dengan nilai p = 0,002 (neoplasma di kulit), p=0,005 (neoplasma di payudara), p=0,000 (neoplasma di kolon), p=0,036 (neoplasma di hepar). Penelitian ini membuktikan bahwa kstrak bawang dayak dapat menghambat pertumbuhan neoplasma pada tikus Sprague-Dawley

Tujuan Memberikan pelatihan tentang Peningkatan Kapasitas Generasi Muda Melalui Pelatihan Kepemimpinan kepada Pengurus Karang Taruna Nagari Panyalaian Kecamatan X Koto Tanah Datar. Kegiatan diawali dengan observasi dan koresponding melalui WA untuk mengetahui kebutuhan dari kelompok selanjutnya dilaksanakan dengan menyampaikan materi terkait Peningkatan Kapasitas Generasi Muda Melalui Pelatihan Kepemimpinan. Pelatihan ini mendapat sambutan positif dari para pemuda yang tergabung dalam Karang Taruna Nagari Panyalaian Kecamatan X Koto. Kepemimpinan untuk mengelola sebuah organisasi sangat diperlukan oleh pemuda Karang Taruna Nagari Panyalaian agar potensi daerah dapat digali lebih banyak. Diharapkan dengan adanya pelatihan ini dapat membuka wawasan pemuda untuk membuka peluang kerja di daerah Panyalaian.

Pengabdian pada masyarakat ini bertujuan untuk memberikan pengetahuandan kemampuan kepada ibu rumah tangga untuk dapat mengelola keuanganrumah tangga dan memherikan keahlian bagi ibu rumah tangga untukmerencanakan dan mengelola keuangan rumah tangga.Sasaran pengabdian adalah ibu-ibu rumah tangga di Batalyon Intanteri 131/Braja Sakti, Kec. Payakumbuh Timur. Kab. Lima Puluh Kota.Pengabdian diselesaikan dalam tiga tahapan kegiatan yaitu persiapan,pelaksanaan dan evaluasi. Persiapan dilakukan dengan melakukan surveypendahuluan untuk melihat kondisi di lapangan mengenai kondisi ibu rumahtangga didaerah tersebut. Pelaksanaan dilakukan dengan pelatihan,menggunakan metode ceramah yaitu dengan teknik presentasi. dilanjutkandengan diskusi tanya jawab. Evaluasi kegiatan dilakukan untuk masing-masingtahap dengan mengumpulkan dan menyimpulkan data dari masing-masingtahapan kegiatan.Hasil kegiatan pelatihan menunjukkan peningkatan minat dan keinginan ibu-ibu rumah tangga di daerah Batalyon Infanteri 131 Braja Sakti, Kec.Payakumbuh Timur. Kab. Lima Puluh Kota untuk dapat mengelola keuanganrumah tangganya dengan bijak.

Tujuan Kegiatan ini Memberikan pelatihan dan praktek pada Pengurus dan anggota kelompok sehingga mampu merinci dan mengelompokan semua biaya yang timbul dari pembuatan produk. Dapat menentukan harga pokok penjualan setiap produk. Metode Presentasi dan praktek penghitungan harga pokok produk serta diskusidilaksanakan untuk membahas dan mencari solusi berbagai masalah yangdilontarkan. Kegiatan pengabdian kepada masyarakat ini mendapat respon yang sangat baik oleh pengurus dan anggota kelompok UP3HP Kami saiyo nampak dariantusias dan suasana diskusi yang hangat dan pemaparan materi yang dapatdipahami oleh kelompok. Pertanyaan yang dilontarkan dan dijawab oleh timdosen yang ikut dalam kegiaytan pengabdian ini memperkaya pemahaman darianggoita kelompok.

Tujuan Kegiatan ini Memberikan pelatihan tentang harga pokok penjualan serta penyusunanlaporan keuangan bagi pelaku usaha UMKM. Kegiatan dilaksanakan dengan menyampaikan materi terkait penyusunanlaporan keuangan dan memberikan pembekalan keterampilan membuat produkbrownis kukus terhadap para anggota majelis ta’klim. Kegiatan pengabdian Penentuan Harga Pokok Dan Penyusunan LaporanKeuangan Untuk Usaha Mikro Kecil Bagi Anggota Majelis Ta’klim MushallaMuthmainna ini dapat mendorong tumbuhnya iklim wirausaha di dalam keluarga.Dengan berwirausaha, ibu rumah tangga dapat ikut menopang perekonomian danmeningkatkan kesejahteraan keluarga.

Tujuan dari kegiatan pengabdian masyarakat ini, yaitu Memberikan pengetahuan dan kemampuan kepada kelompok sulam bayangan tentang pengembangan usaha. Memberikan keahlian kepada kelompok sulam tentang pemasarannya. Kegiatan dilaksanakan dengan menyampaikan materi terkait cara pengembangan usaha sulam bayangan. Kegiatan pengabdian Pengembangan usaha sulam bayangan yang ada diKecamatan Koto XI Tarusan sanganmembentu kelompok sulam ini kedepannya dengan pemamfaatan media e-comerce sehingga cakupan pemasarananya sangat luas dan daapat menegmbangkan motif yang perkembangannya siring dengan kebutuhan pasar, kedepannya terbuka kemungkinan unutuk penganekaragaman produk. Berkembangnya kegiatan sulaman ini akan mengembangkan kelompok yang terdiri dari pemilik usaha dan pengrajin.

Tujuan dilaksanakannya program tersebut adalah untuk mengaktualisasikan salah satu unsur Tri Darma Perguruan Tinggi yaitu pengabdian kepada masyarakatdan membantu masyarakat dalam upayanya meningkatkan pendapatan keluarga. Kegiatan diawali dengan observasi dan koresponding melalui WA untuk mengetahui kebutuhan dari kelompok selanjutnya dilaksanakan dengan menyampaikan materi terkait pendampingan serta pemberdayaan kepada masyarakat dalam upaya melakukan pemulihan ekonomi masyarakat terdampak COVID-19 di lingkungan Penjahit Bordir dan Sulaman Kenagarian Kubu Ganting Padang Pariaman. Kesimpulan dari pelaksanaan program ini ialah program dapat diterima oleh masyarakat. Selain diterima, dengan adanya program ini juga masyarakat dapat memanfaatkan peluang yang tersedia ditengah adanya pandemi covid-19 dengan cara pembuatan masker yang kemudian bisa diperjual-belikan. Tujuan akhir dari pelaksanaan program pemberdayaan ini yaitu dapat menjadi sumber penghasilan tambahan bagi masyarakat terdampak terutama masyarakat dari program ini dijalankan.

Latar Belakang : Menurut WHO sepertiga dari 25 juta kematian di seluruh dunia disebabkan oleh penyakit infeksi. Salah satu bakteri yang paling sering menyebabkan infeksi adalah Staphylococcus aureus. Tanaman herbal bawang dayak (Eleutherine palmifolia L) mengandung senyawa yang berkhasiat sebagai antibakteri, salah satunya adalah bakteri Staphylococcus aureus. Tujuan: menganalisis efektifitas bawang dayak (Eleutherine palmifolia L) dalam menghambat pertumbuhan bakteri Staphyloccus aureus. Metode: Penelitian ini adalah penelitian kepustakaan dengan sampell penelitian berupa jurnal nasional yang diperoleh 10 dari Google Cendikia, Garuda sedangkan jurnal internasional diperoleh 5 dari Google Scholar dan Science Direct. Hasil: Jurnal yang membahas mengenai efektifitas bawang dayak (Eleutherine palmifolia L) dalam menghambat pertumbuhan bakteri Staphylococcus aureus, ditemukan 15 jurnal yang menyatakan bahwa umbi bawang dayak (Eleutherine palmifolia L.) memiliki kemampuan untuk menghambat pertumbuhan bakteri Staphylococcus aureus. Pada jurnal yang diteliti juga membahas mengenai faktor yang berpengaruh terhadap efektifitas bawang dayak (Eleutherine palmifolia L) dalam menghambat pertumbuhan bakteri diantaranya adalah suhu dan lama penyimpanan ekstrak. Kesimpulan: bawang dayak (Eleutherine palmifolia L) memiliki efektifitas dalam menghambat pertumbuhan bakteri Staphylococcus aureus.

The purpose of this research was to determine the implementation of Musyarakah working capital financing at PT. Bank Syariah Indonesia KC Padang. In analyzing the data, the author uses qualitative data analysis methods as a research method that describes descriptively the implementation of Musyarakah working capital financing at the PT. Bank Syariah Indonesia KC Padang. The results of this study there are several stages of procedures in the Implementation of Musyarakah Working Capital Financing at PT. Bank Syariah Indonesia KC Padang, namely submitting a financing application, financing feasibility analysis, the decision to grant Musyarakah working capital financing which is divided into two decisions, namely the financing decision is accepted and the decision is rejected. If the financing decision is accepted or rejected, it is submitted in writing by providing clear and thoughtful reasons. After the financing decision is approved, it will proceed to the stage of contract and disbursement of financing, supervision of financing and repayment of financing.

The porpose of this study was to find out how the implementation of people’s Business Credit (KUR)loans at Bank Nagari Cabang Simpang Empat. to analzye the auther’s data, Using qualitative methodes as aresearch method that describes descriptively about the implementation of people’s business credit loans. The results of this study indicate that the implementation of providing poeple’s business credit (KUR) at Bank Nagari Cabang Simpang Empat is in accordance with established procedures, starting from appilacation and verification, feasibility analysis, credit approval, credit agreements, and credit disbursement processes.

The purpose of this study was to determine how the process of resolving non-performing loans at PT. BPR Cempaka Mitra Nagari. This study uses a qualitative method that is to describe descriptively the process of resolving non-performing loans at PT. BPR Cempaka Mitra Nagari Padang for the period 2017 – 2020. The results of this study indicate that the highest non-performing loans in 2018 were in doubtful credit collectability, this situation indicates credit management lacks analysis of credit customers. The cause of credit problems was due to errors from customers who were not disciplined and because the economy during the COVID-19 pandemic experienced a decline. Settlement of non-performing loans carried out by PT. BPR Cempaka Mitra Nagari Padang can be carried out in combination or by giving a letter of arrears or a warning to the debtor and providing relief from interest or principal arrears.

The purpose of this study was to determine the implementation of lending at PT.BPR Lengayang. To analyze the research data, the author uses qualitative data analysis methods as a research method that describes descriptively the implementation of lending at PT. BPR Lengayang. Credit is the capacity to make a purchase or carry out a loan with the promise of payment to be made or deferred within an agreed period of time. In the implementation of lending to PT. BPR Lengayang has several stages, namely the credit application stage, credit analysis, credit approval stage, signing credit / agreement, disbursement stage, customer business supervision, credit repayment

The purpose of this study was to find out how the implementation of giving credit to the Bank Nagari west Sumatra. In analyzing the data, qualitative data analysis was used as a research methods that explained descriptively. The results of the study conclude that in the implementation of lending must go through several prosedures that must be met by customers, namely: credit application, credit analysis, credit approval, credit contract and credit search. arter the signing of the contract, the customer must carry out all agreement, which are binding and cannot be contested

The purpose of this study was to find out how to provide credit at Bank Nagari Cabang Painan. The research method of data collection uses two methods, namely library research and field research. The results of this study are the implementation of lending at Bank Nagari Cabang Painan in accordance with established procedures, starting from credit applications, credit analysis, recommendations, credit decisions, signing credit contracts, credit realization and credit supervision. The development of credit at the Bank Nagari Cabang Painan has increased every year this is due to the excellent financial performance of the Bank Nagari Cabang Painan.

Credit implementation at PT. BPR Lubuk Raya Mandiri is quite good, as seen from the current credit collectibility which increased from 2013-2017 and non-performing loans decreased. The causes of non-performing loans caused by the economic downturn have caused the ability to repay principal payments and interest on loans that are experiencing problems so that they become substandard, doubtful and even bad. Non-performing loan settlement conducted by PT. BPR Lubuk Raya Mandiri has a policy on credit settlement by means of which the bank will give a warning in advance by telephone, otherwise the bank will send downs in the form of a warning letter to the debtor, if that is not ignored then the bank will take the decision to make a sale collateral or auctioning the collateral publicly in order to pay off debtor obligations to the bank.

This study aims to determine the level of bank health at PT. BPR Raga Dana Sejahtera in the Padang branch by using non-pefoming loan standards in 2015-2017, the impact of non-performing loans on company profits in 2015-2017, efforts made to overcome non-performing loans at PT. BPR Raga Dana Sejahtera Padang branch in 2015-2017. Data was collected using interviews and documentation. Data were analyzed using case study analysis with a quantitative approach. The results showed that the classification of the Bank's health level there are four categories, namely: healthy, healthy enough, less healthy, and unhealthy. the impact of non-performing loans to the Bank is the decline in profits, disruption of cash turnover, reduced level of bank soundness, reduced bank capital, and decreased public confidence. efforts made to overcome problem loans at PT. BPR Raga Dana Sejahtera Padang branch is a restructuring, rescheduling, foreclosure guarantee, and write off loans (write off receivables).

The purpose of this study was to determine how the credit settlement efforts at Bank Nagari Pembatu Tarusan Branch. Data collection research methods use two ways, namely library research (Library Research) and field research (Field Research). The results of the study were to find out the causes of problem loans and how to resolve non-performing loans at the bank Tagiri branch

This study aims to find out how to resolve non-performing loans at PT. Nagari Bank, Pariamaan Branch. Data taken from the results of interviews of authors and credit documentation data of PT. Nagari Bank Pariaman Branch. The results of this study are doubtful credit income with bad credit tends to increase from 2016 to 2019 and the highest non-performing loan income is in 2019. In this situation shows that the low level of education of the customer or debtor and credit management is less analysis of credit customers

The purpose of this research was conducted to find out the efforts made Of PT. Bank Rakyat Jorong Kampung Tangah Pariaman in increasing customer interest in saving. In analyzing the data, the authors use a qualitative data analysis as a research method that is explained in the descriptive. In this research it can be concluded the efforts made Of PT. Bank Rakyat Jorong Kampung Tangah Pariaman is doing a Promotion with the mounting board bilboard, share calendars, and disseminating brochures to clients and prospective clients with the goal of keeping potential borrowers to know the products and services that exist, then rely on patterns of marketing namely savings services by using bajapuik which is getting positive response from customers, as evidenced by the presence of bajapuik increased savings customer saving increasing annually.

The purpose of this study was conducted to find out how the implementation of credit provided by PT. Rural Bank Dharma Nagari. In analyzing data, the author uses qualitative data analysis as a research method that explains descriptively. In this study, it can be concluded that in giving credit to prospective debtors, PT. BPR Dharma Nagari Dharmasraya provides procedures that must be met by prospective debtors, namely through the stages of granting credit. The stages of granting credit are the stages of the application, the stages of credit analysis, the stage of credit approval, the stage of the agreement or credit agreement and the disbursement of credit. With the signing of the contract, the debtor must pay back or pay off the loan given by the bank.

Tujuan dari penelitian ini adalah untuk mengetahui pelaksanaan pemberian kredit pada nasabah terhadap PT. BPR La Mangau Sejahtera Pariaman. Jenis penelitian ini adalah bersifat deskriptif dengan menggunakan metode analisa data kualitatif. Kesimpulan 1) Di dalam pelaksanaannya kredit yang disalurkan oleh BPR LA Mangau Sejahtera Pariaman adalah kredit yang berdasarkan tujuan penggunaannya yang terdiri kredit modal kerja (KMK), investasi dan konsumsi. Dengan tingkat bunga kredit sebesar 13% sampai 20% . 2) Faktor penyebab terjanjinya kredit bermasalah pada PT. BPR LA Mangau Sejahtera Pariaman adalah faktor intern, faktor ekstern, dan faktor kesulitan usaha, dan Penanganan atau mengatasi kredit bermasalah dengan Tindakan preventif, Tindakan revitalisasi dan Tindakan kuratif.

Tujuan dari penelitian ini adalah untuk memahami dan mengetahui bagaimana Pelaksanaan Deposito pada Bank Nagari Cabang Syariah Padang. Dalam menganalisa data, penulis menggunakan metode analisa data kualitatif sebagai metode penelitian yang menjelaskan secara deskriptif mengenai Pelaksanaan Deposito pada Bank Nagari Cabang Syariah Padang. Kesimpulan dari penelitian ini 1) Deposito Mudharabah pada Bank Nagari Syariah Cabang Padang merupakan suatu sumber dana pihak ketiga pada bank, pelaksanaannya dapat menguntungkan bagi bank dan juga nasabahnya. 2) Dalam pelaksanaan Deposito Mudharabah Bank Nagari Syariah Cabang Padang memberikan pelayanan yang baik terhadap calon nasabah mulai dari pembukaan Deposito sampai pencairannya. Setiap kegiatan usaha yanag dijalankan Bank Nagari Syariah Cabang Padang menggunakan sistem bagi hasil, baik menghimpun dana dalam bentuk Deposito Mudharabah Mutlaqah atau Deposito Mudharabah Muqayyadah. 3) Deposito Mudharabah yang banyak diminati nasabah Bank Nagari Syariah ini adalah Deposito Mudharabah Mutlaqah karena pembagian hasil usaha sesuai dengan nisbah yang telah disepakati antara nasabah dengan Bank Nagari Syariah yang bersangkutan. Bukan berarti Deposito Mudharabah Muqayyadah tidak ada peminatnya, tetapi lebih sedikit peminatnya dibandingkan Deposito Mudharabah Mutlaqah, karena pada Deposito ini nasabah dibebankan mencari pengelolah dana sendiri dan bank hanya bertindak sebagai perantara, dengan pembagian hasil usahanya hanya melibatkan pemilik dana dengan pengelola dana, jadi bank menerima imbalan berupa fee atas kegiatannya.

Tujuan penelitian ini adalah untuk mengetahui prosedur yang harus dipenuhi oleh calon debitur untuk memperoleh kredit dari bank, serta mengetahui proses penyelesaian kredit yang bermasalah. Jenis penelitian ini adalah bersifat deskriptif dengan menggunakan metode analisa data kualitatif, yaitu menganalisa pelaksanaan penyaluran kredit pada PT. Bank Rakyat Indonesia (Persero) Tbk Unit Panti. Kesimpulan 1) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Panti telah menyalurkan kredit sesuai dengan ketentuan dan prosedur yang telah ditetapkan yaitu mulai dari pengenalan atau pendekatan kepada calon debitur, tahap permohonan kredit, analisa kredit, tahap persetujuan kredit, administrasi, realisasi kredit (pencairan kredit) sampai tahap pengawasan hingga kredit tersebut benar-benar dilunasi. 2) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Panti melakukan tahapan dalam menyelesaikan kredit bermasalah (mecet) yaitu, pertama dengan tindakan penyelamatan kredit dan kedua penyelesaian kredit. Penyelamatan kredit yaitu berusaha agar kredit tersebut lancar kembali dengan cara Rescheduling, Reconditioning dan Restructuring. Namun jika hal tersebut tidak berhasil maka bank akan melakukan tindakan penyelesaian kredit yang diawali secara kekeluargaan melalui perundingan-perundingan sampai akhirnya penyitaan jaminan

Tujuan Penelitian ini adalah untuk mengetahui apa penyebab dari terjadinya kredit bermasalah dan untuk mengetahui cara penyelesaian kredit bermasalah di PT. BPR Nagari Kasang. Metode analisa data untuk penelitian ini adalah metode deskriptif yaitu dengan menguraikan data secara sistematis dari fakta-fakta yang didapat kemudian dihubungkan dengan prosedur penyelesaian kredit bermasalah pada PT. Bank Perkreditan Rakyat (BPR) Nagari Kasang. Hasil Penelitian 1) Terjadinya kredit bermasalah di PT. BPR Nagari Kasang disebabkan oleh faktor intern yaitu pejabat kredit mudah dipengaruhi atau dipaksa oleh calon nasabah, kurangnya pemahaman terhadap kebutuhan keuangan yang sebenarnya dari calon nasabah dan manfaat kredit yang diberikan seperti kredit modal kerja digunakan untuk komsumtif, kurangnya pengecekan latar belakang calon nasabah. Dan juga disebabkan oleh faktor ektern yaitu karena merosotnya perekonomian debitur, terjadinya PHK mendadak di tempat kerja debitur, penurunan onset usaha debitur, dan terjadnya konflik keluarga. 2) Upaya penyelesaian kredit bermasalah yang disebabkan oleh faktor intern dilakukan dengan peringatan tertulis dalam bentuk Surat Peringatan (SP), mutasi, dan penurunan jabatan, serta upaya penyelesaian kredit bermasalah yang disebabkan oleh faktor ekstern dilakukan dengan mengirim Surat Peringatan SP 1 sampai SP 3 melakukan penagihan kepada pihak yang ikut serta menandatangani perjanjian kredit, dan terakhir melakukan penarikan dan pelelangan agunan.

The development in the banking industry as well as opening the era of free information has contributed to greater competition between banks. Competition led to similar companies competing to create a strategy to win the competition, one of which is the marketing strategy. PT. Bank Tabungan Negara (Persero) Tbk. Padang Branch Office conduct marketing activities of deposit products using the marketing mix strategy into the programs created. In the banking service products are components of the marketing mix, namely Product, Price, Place, and Promotion, which is in development now, has undergone additions into: People, Process, and Phisical Evidence. Seven of the marketing mix is able to support customers' purchasing decisions. It is seen from the achievement of the target product, namely fund raising savings, deposits, and current accounts.

The purpose to know the development of the number of savings customers, and knowing the efforts made increase interest to save. Interest is an interest in one's feelings toward an object. The research method used is using direct research that is by doing direct object research so that the data obtained from the original source trusted by observation techniques, literature study and use descriptive analysis techniques. The growth of the number of savings customers from year to year continues to increase. So the number of customers who save at PT. BPR Batang Kapas also experienced a better increase. With the promotion of savings products to be socialized to places that have obtained permission, advertising in the form of brochures by coming to prospective customers directly, publicity that aims to maintain good relations with the community.

The development in the banking industry as well as opening the era of free information has contributed to greater competition between banks. Competition led to similar companies competing to provide the Bank's products and services to increase the Bank's income. With the PT. RB Rod Cotton gave credit to the people around Rod Cotton, one of which is Our Business Credit (KUMI). PT. RB Rod Cotton conduct its lending activities starting from receipt of application Loans, Credit, Credit Agreement, Realization of Credit and Credit Monitoring conducted by the Bank RB Rod Cotton.The purpose of this study was conducted to determine how the credit management at PT. Cotton Trunk Rural Bank in the period 2013-2015. The method used is a qualitative method. Data collection is done with the data mengumpulkam Development of Credit and Credit Kolektibiltas at. Cotton Trunk Rural Bank. The results could be seen in 2013 and 2015 with loan growth in 2013 61% 2014 71% and in 2015 84%, and the collectibility of the loans in 2013 types of performing loans 89.55%, substandard 3.68, doubt jammed 4.49% and 2.76%, in 2014 performing loans 89.70%, 4.49% substandard, doubtful and loss 4.36% to 1.42%, in 2015 performing loans 89.03% , substandard 4.73%, 4.90% doubtful, and loss of 1.31%. Thus it can be concluded that the development of credit and credit kolektibiltas at PT. Rural Bank Cotton Trunk good, because RB Rod Cotton was able to reduce the loan from the years 2013-2015.

Pasal 29 ayat (2) dalam UU Perbankan menyatakan bahwa “ Bank wajib untuk memelihara tingkat kesehatan bank sesuai dengan ketentuan aspek kecukupan modal, kualitas aset, kualitas manajemen, likuiditas, rentabilitas, solvabilitas, dan aspek lain yang berhubungan dengan usaha bank, dan wajib melakukan kegiatan usaha sesuai dengan prinsip kehati-hatian”. Berdasarkan ketentuan tersebut maka tidak ada alasan apapun bagi pihak bank untuk tidak melaksanakan prinsip kehati-hatian dalam menjalankan usahanya. Tujuan penelitian ini adalah untuk menjelaskan bagaimana pelaksanaan prinsip kehati-hatian dalam pemberian kredit konsumtif pada Bank Nagari Cabang Siteba. Untuk memperoleh data dalam tugas akhir ini dilakukan penelitian kepustakaan dan penelitian lapangan. Penelitian kepustakaan yang digunakan untuk memperoleh data sekunder yang bersifat teoritis sedangkan penelitian lapangan dilakukan guna memperoleh data primer melalui wawancara. Dari hasil penelitian diketahui bahwa pelaksanaan prinsip kehati-hatian dalam pemberian kredit konsumtif pada Bank Nagari Cabang Siteba dapat dilihat dalam beberapa proses tahapan mulai dari permohonan kredit sampai dengan realisasi kredit dan dilanjutkan dengan pengawasan kredit. Hambatan yang dihadapi oleh Bank Nagari Cabang Siteba dalam pemberian kredit konsumtif adalah hambatan eksternal. Upaya yang dilakukan oleh Bank Nagari Cabang Siteba untuk mengatasi hambatan tersebut adalah dengan melakukan peringatan dini, melakukan penagihan langsung kepada nasabah debitur, melakukan rescheduling, reconditioning, restructuring, asuransi kredit, dan yang terakhir yaitu pelelangan agunan. Disarankan dalam menyalurkan kredit konsumtif pihak Bank Nagari Cabang Siteba agar lebih meningkatkan pada pengawasan kredit mulai dari kredit direalisasikan sampai dengan kredit lunas. Tujuannya agar terhindar dari kredit bermasalah.

Bank Nagari Syariah Cabang Padang is one of the islamic banks to raise fund in the system using mudharabah. Mudharabah is a collaboration between two parties where one party acts as financier (sahubul maal) one party more as a fund manager (mhudarib), in cooperation mudharabah do system for the result if the profit will be shared with the agremeent at the beginning, whereas if you exsperience loss then based on the condition that the losses borne by the property instead of the manager. Mudharabh is divided into two kinds of mudharabah muthlakah that is fund management is spacious and muqayadah its fund management for specific purposes only. As for the pupose of this study was to determine how the aplication system for results on a mudharabah fund Bank Nagari Syariah Cabang Padang. Based on an analysis conducted by the method of observation, literature review and in-dept interview it can be seen that the Bank Nagari Syaria branch meadow implement a system for the result to savings mudharabah with 45:55 ratio, with the ratio of 65:35 mudharabah banks have received bonuses wadiah 30%.

Promotion interpreted as an attempt to persuade people to accept the products, concepts, and ideas. Promotion strategy means a program of integrated control and communication methods and materials designed to bring the company and its products to prospective customers. Service is an organization / individual, a process for helping others with specific ways in order to provide the best service to the person or group of people who are served. For a discussion of research methods in the form of data types and data sources in the form of primary and secondary data, while the data collection techniques by observation, interviews, library method. The method used is descriptive method. Location of research at Bank Nagari Kambang. The object of study in this research is the promotion activities and services performed by the Bank Nagari Kambang. Promotional activities and services carried out by the Bank Nagari branch Kambang very influential in increasing the customer in every year. The purpose of this study to understand and know how promotional activities and services at branches of Bank Nagari Kambang to support this thesis required accurate data. Untuik that the collected data is secondary data and primary data.

Bank as a financial institution serves as a financial intermediary or an intermediary of both parties namely the excess funds and parties lacking funds or parties who need funds. Any load disbursement by creditors or bank is a risk, because of he limitaions of human capability in predicting the future, therefore the bank mus plan in such a way and try to suppress the emergence of non performing credit risk. Non performing loans consist of special attention credits , non performing loans, doubt credit and bad debts, causes of non performing loans in the prsence of external factors where customers are unable to repay loans from banks. In the early stages of handling non performing loans is done byaproviding a warning letter in accordence with the level of credit problems but if when comes to letter of notification it will do draw collateral credit

Kredit adalah kepercayaan dari kreditur (pemberian pinjaman) bahwa debiturnya (penerima pinjaman) akan mengembalikan pinjaman beserta bunganya sesuai dari perjanjian kedua belah pihak. Pelaksanaan kredit yang dilakukan oleh Bank Perkreditan Rakyat LPN Pasar Baru Durian Sawahlunto dimulai dari proses pemberian kredit hingga pengembalian kredit. Tujuan dari penelitian ini adalah untuk mengetahui proses pelaksanaan kredit, perkembangan kredit dan pengembalian kredit, masalah-masalah apa saja yang dihadapi oleh Bank Perkreditan Rakyat LPN Pasar Baru Durian Sawahlunto. Guna mendukung penelitian tugas akhir ini lebih sempurna diperlukan data akurat. Untuk itu data yang dikumpulkan peneliti adalah data sekunder dan data primer. Untuk pembahasan menggunakan metode penelitian yang berupa jenis data dan sumber data berupa data primer dan sekunder, sedangkan teknik pengumpulan data dengan metode observasi, metode wawancara, metode keperpustakaan. Metode yang digunakan adalah metode Deskriptif. Lokasi penelitian di Bank Perkreditan Rakyat LPN Pasar Baru Durian Sawahlunto. Obyek kajian dalam penelitian ini adalah pelaksanaan kredit pada Bank Perkreditan Rakyat LPN Pasar Baru Durian Sawahlunto. Dari hasil penelitian maka bisa disimpulkan bahwa pelaksanaan proses pemberian kredit yang dilakukan oleh Bank Perkreditan Rakyat LPN Pasar Baru Durian Sawahlunto dimulai dari pengajuan berkas, penyelidikan berkas pinjaman, keputusan kredit, dan diakhiri dengan realisasi kredit. Setelah itu barulah dilakukan pengawasan kredit. Permasalahan yang dihadapi oleh Bank Perkreditan Rakyat LPN Pasar Baru Durian masih adanya nasabah yang membayar tidak pada waktunya.

Many ways the Rural Bank to increase the number of customers by increasing the interest rate savings, eliminating administrative costs to pick up savings. This is believed to increase the number of customers in Rural Banks. Savings transfer is a special service given to its customers, with the aim of facilitating customers to save. With savings pickup, customers do not have to come directly to the bank to save. Efforts to increase customers through savings in PT.BPR JKT Pariaman is Relying on traditional marketing patterns that is by using the system pick up the ball by using Bajapuik Savings service. Bajapuik savings that get a positive response from customers make savings bajapuik become very popular among customers.

Insurance has a very important role in providing certainty protection for people, both commercial and non commercial, insurance can provide protection in the form of education, health, old age, death and property. Which is a necessity of life that is not less important in this era of globalization is the need for insurance services. The definition of insurance under KUHD 246 states that "insurance or coverage is an agreement by which the insurer strikes himself to an insured, accepting a premium, for replacement to him for an event that is not certain".Insurance companies have excellent service quality in serving the Customer including in serving insurance claims, because the quality of this service will be a benchmark for customers if they will use the same service, including for service claims. "Insurance Claim is a claim from the insured party in connection with the existence of the contract between the insurance agreement with the insured person who each party bind themselves to guarantee payment of compensation by the insurer if the insurance premium payment has been made by the insured, when the accident happened suffered by the insured party ".

The purpose of this study was to determine the activity of commercial lending at Bank Nagari Sijunjung Branch. In this study the authors use the method of collecting the data in two ways: Collection Method DataStudi Library (Library Research) This research was conducted by studying books, papers, articles, reading reports and publications related to the object of research , Field Study (Field Research) research directly carried out at Nagari Bank Branch Sijunjung to obtain the necessary data and conducting interviews for primary data. From the discussion above, the writer can draw conclusions as follows: Activity granting commercial loans at Bank Nagari Branch Sijunjung implemented according to the procedure of loans comprising the loan application, credit analysis, a signatory to the contract credit agreement, loan disbursements (disbursement), and credit control made for the smooth repayment of the loan so that any problems that arise can be immediately recognized and can immediately find a way out. The development of commercial loans in 2014 through 2016, which increased as the type of multi-use working capital loans increased from year to year is 33.9% to 50.7% and 90.3%. Caused because the number of requests from borrowers who want to develop their business or facilitate the business activities being undertaken by the debtor

This study aims to determine how the savings product marketing activities undertaken by PT. BPR Rangkiang Denai, and the development of savings products at PT. BPR Rangkiang Denai. This research method is based on primary and secondary data. while the data collection techniques by observation, interviews, and based on the literature. So we can conclude marketing efforts conducted BPR Rangkiang Denai to increase the number of customers, by way of the marketing mix: Product, Price, Promotion, Place, People, Processes, Services and development of savings products at PT. RB Rangkiang Denai experienced a significant decline, it is because in contemporary times, RB is less interested in the community because in the era of globalization people prefer banks that provide services in payment traffic, such as remittances, and ATM facilities to facilitate the transaction.

Salmonella typhi merupakan batang gram negatif, yang tidak memiliki spora, dapat bergerak dengan flagel peritrich, bersifat intraseluler dan anerob. Penyakit yang paling umum terjadi karena bakteri Salmonella typhi adalah demam tifoid. Kamandrah ( Croton tiglium L.) merupakan suatu tanaman yang berasal dari suku Euphorbiaceae dapat digunakan sebagai antibakteri. Bertujuan untuk mengetahui apakah ekstrak etanol biji Kamandrah ( Croton tiglium L.) dapat menghambat pertumbuhan bakteri Salmonella typhi dengan metode difusi cakram Kirby-bauer. Penelitian ini merupakan true experiment design dengan rancangan penelitian Post test only control group design . Subjek penelitian menggunakan biakan bakteri Salmonella typhi. Penelitian ini menggunakan 7 kelompok perlakuan, yaitu konsentrasi 20%, 40%, 60%, 80%, 100% dan kontrol positif Kloramfenikol 30µg serta kontrol negatif dimethyl sulfoxide (DMSO) sebagai kontrol negatif. Metode yang digunakan untuk pengujian aktivitas antibakteri menggunakan metode difusi cakram Kirby-bauer. Analisis data menggunakan uji Kruskal-Wallis dalam aplikasi SPSS. Hasil bahwa biji Kamandrah ( Croton tiglium L.) tidak dapat menghambat pertumbuhan Salmonella typhi dengan rata-rata zona hambat konsentrasi 20% (0,00 mm), 40% (0,00 mm), 60% (0,00 mm), 80% (0,00 mm), dan 100% (0,00 mm). kontrol positif (28,2 mm) serta kontrol negatif (0,00 mm). Uji Kruskal -Wallis ( P = 0,000). Ekstrak etanol biji Kamandrah ( Croton tiglium L.) tidak dapat menghambat pertumbuhan Salmonella typhi dan tidak terdapat konsentrasi paling efektif ekstrak etanol biji Kamandrah ( Croton tiglium L.) yang dapat menghambat pertumbuhan bakteri Salmonella typhi.

The purpose of this study is to examine the effect of tax collection by the forced letter and letter of reprimand against taxpayer compliance at the Tax Office Pratama padang. This research uses multiple linear regression analysis. The result of simple regression analysis shows that the coefficient value of letter warning variable is 0,449. The strike variable has a t test value (titung) of 6.863 with a significance level of 0.000 0.05. This shows that there is a positive and significant effect of tax collection with letters of reprimand against taxpayer compliance in KPP Pratama Padang. The results of this research also show that the significance value of the F test is 0.000 which has a value less than 0.05. This means that the collection of taxes with letters of reprimand and forced mail together have a significant effect on taxpayer compliance in KPP Pratama Padang. From result of determination test show that coefficient value of Adjusted R Square is equal to 0,442, it means 44,2% taxpayer compliance variable can be explained by tax collection variable with letter of warning and forced letter. While the rest (100% - 44.2% = 55.8%), influenced by other variables associated with taxpayer compliance Keywords: tax collection, letter of reprimand, forced letter, taxpayer compliance