Volga Region Farmland最新文献

{"title":"The Determinants of Home Mortgage Default Probability: The Effect of Loan and Borrower’s Characteristics","authors":"Y. Rachmansyah, H. Harijono, R. Prabowo","doi":"10.4108/EAI.4-11-2020.2304567","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304567","url":null,"abstract":". Housing is one of the individuals' basic needs besides food and clothing, and house demand will increase continuously to respond to the increasing population. Consequently, the gaps between housing needs and availability (backlog) in Indonesia remains high. However, home mortgage default probability is still a crucial issue for banks. Investigating the factors that explain home mortgage default probability is important for banks to mitigate the credit default risk. Among these numerous factors, loan and borrowers' characteristics likely play significant roles in determining home mortgage probability. Hence, this study seeks to analyze the effects of credit and borrowers' characteristics on home mortgage default probability. One hundred and thirty-three mortgage customers of the Semarang Branch Office of Bank X are selected as the research sample through the purposive sampling method. Because the dependent variable has discrete values representing different loan qualities (from liquid to doubtful), the data is then analyzed using the ordered probit regression analysis. The results show that loan to value (LTV) is the credit characteristic that affects home mortgage default probability, implying that higher LTV ratios will increase home mortgage default. Meanwhile, education level is the borrower's characteristic that significantly affects home mortgage default probability. This study offers the following managerial implications. First, banks should consider their borrowers' education level. In this respect, education level is closely related to a broader perspective and the amount of income. Second, banks should also consider LTV when allocating home mortgages because it indicates potential borrowers' capacity to pay. Our findings inform banks to take potential borrowers’ education levels into account when making home mortgage credit decisions. Education levels are closely related to broader perspectives and higher income. Meanwhile, LTV (a ratio between credit amount and property value) is related to the capacity to repay. Higher property values imply lower LTV ratios and eventually","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"23 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82468490","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Investor Competence and Decision Familiarity Bias Analysis for Portfolio Diversification","authors":"Sherly Nurcahya, S. Maharani","doi":"10.4108/EAI.4-11-2020.2304562","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304562","url":null,"abstract":". Investor’s decision to maximize returns and reduce investment risk is to diversify their portfolios. According to the Behavioral Finance study, the investment decision is influenced by emotional psychology. Therefore, this study aims to examine psychological factors, that is investor competence and familiarity bias towards the decision of individual investor portfolio diversification. Data were collected using a questionnaire for active investors in Malang, Surabaya and Jakarta. Research questionnaire were distributed in person or online. The results showed that the competence investors has a positive and significant effect on the decision of investor portfolio diversification. Meanwhile, familiarity bias has a significant negative effect on investor portfolio diversification decision. This reflects that investment decisions in trading are influenced by limited rationality, emotional factors, and individual personality traits. Whereas in conditions of economic and financial uncertainty, its is believed that humans cannot escape the aspects of psychological bias in the decision-making process.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"20 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73628437","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Going Concern of Sambu Barumbun Metaphor in Mamasa Culture, West Sulawesi Indonesia","authors":"Natalia Paranoan, Julianty Julianty, Afian Dezi Sanda Sipi, Anthon Paranoan, N. Eny","doi":"10.4108/EAI.4-11-2020.2304622","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304622","url":null,"abstract":"This study reveals a going concern with cultural metaphors. This study aims to reveal the concept of sustainability (going concern) in the metaphor of the cultural products of Sambu 'Barumbun in Mamasa Regency, West Sulawesi, Indonesia, which still exists today. The research method in this study is a qualitative method through observation, interviews and documentation. Data obtained by interviewing four informants who know clearly the object under study. The data were analyzed using semiotic analysis, namely the study of signs, in which the meaning of each person will be different according to culture, ideology, and experience. The results of this study indicate that Sambu 'Barumbun has a going concern concept which is used when customary activities are also used as a source of income for the Mamasa community.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"89 10 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77293473","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Implementation of Accounting in Improving the Financial Statements Quality of Islamic Boarding School in Indonesia","authors":"Dewi Kirowati, S. Anggraeny, R. I. Suhasto","doi":"10.4108/EAI.4-11-2020.2304558","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304558","url":null,"abstract":". The emergence of the IBS Accounting Guidelines that were effectively used in 2018, has greatly helped Islamic Boarding School (IBS) in Indonesia in preparing financial reports. Based on the data base for IBS in the Ministry of Religion, until 2019 there are 29 IBS with approximately 7700 students. IBS are non-profit organizations, namely organizations that obtain their own capital or fund capital by increasing the surplus, accepting donations or donations from individuals or community groups. This study aims to determine the extent to which the implementation of IBS accounting guidelines in improving the quality of financial reports of the Al-Mujaddadiyyah Islamic Boarding School. This type of research is qualitative research, using descriptive methods. Data presented in descriptive form without being processed with data reduction analysis techniques, data presentation, and drawing conclusions. With this research, it is expected to obtain information about preparing IBS financial reports according to standards, namely the IBS Accounting Guidelines.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"30 10 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82940482","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Criminological Review of Criminal Action Involvement of Narcotics by Minors","authors":"Sem Rakinaung, A. Salim","doi":"10.4108/EAI.4-11-2020.2304606","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304606","url":null,"abstract":". Makassar City, even though the officers are trying to prevent drugs, is very sad on the contrary that many minors are involved in drugs. In 2019, 16 minors were involved in drugs, in 2018 there were 13 children. The object of research is to examine the factors behind the criminal acts involving narcotics by minors in the city of Makassar; and reviewing efforts to tackle criminal acts involving narcotics by minors in the city of Makassar. The results showed, the factors that led to the crime of trafficking narcotics committed by children, namely, environmental factors around them, including:1) Family Factor. A household that does not have harmony in the household makes the child frustrated. Lack of attention and affection that is needed by the child makes the child disappointed and nervous. As an outlet for frustration with their disappointment, the child takes drugs to relieve the hurt he feels; 2) Environmental factor. Intercourse with children outside the home without the supervision of parents or family, children easily get bad associations. The life attitude of children who are still unstable will easily be affected by the involvement of narcotics trafficking, both being intermediaries and over time they will become consumptive; 3) Economic limitations. The vision to fulfill the economic limitations of children is that the sale of narcotics which is very promising to generate large amounts of money will lead to children trafficking narcotics as an intermediary for the sale and purchase of narcotics. Efforts that have been made in the prevention of the criminal act of trafficking narcotics committed by children, namely, pre-emptive efforts made in the form of eductive activities with the aim of knowing the causes, driving and opportunity factors of crime; Repressive measures are carried out by law enforcement officials after the occurrence of a criminal act. The purpose of the actions imposed on the perpetrators of drug trafficking crimes as a deterrent effect for the criminals of narcotics trafficking.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87682697","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Potential of Village Tour in Development Mice Destination","authors":"P. Priyanto, A. Setiyawan, Dahris Shahab","doi":"10.4108/EAI.4-11-2020.2304580","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304580","url":null,"abstract":". The existence of a tourist village in the course of tourism development in the country is very important. He has been able to color a more dynamic variety of destinations in a tourism area so that tourism is not always trapped in the development trend of mass tourism. Constraints and challenges in tourism villages are the limited vision or clear perception of the community about tourism, low interest and public awareness, low human resource capacity, cultural barriers, frequent coercion and deception of tourists. The development of a tourism village can create local tourism products as the basis for planning and marketing products, so as to create economic stability and resilience. This research uses Analytical Hierarchy Process with descriptive qualitative method. The sampling technique will be used using strata proportional sampling technique. In the identification of natural attractions, there are 2 (two) out of 4 (four) identified attractions, the MICE Potential in Girimulyo Tourism Village (Srambang Park). Generally, the components of MICE activities are integrated into a training or sports package. The approach to developing MICE in Girimulyo Tourism Village is assessed from several main points related to the availability of natural resources, creativity of human resources, as well as readiness and appropriateness of the aspects of facilities, activities, amenities and attractions that support MICE activities.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"5 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89703108","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Phenomenon of Terrorism Crime and the Development of Technology in the Perspective of Human Rights","authors":"Gracesy Christy, Lisma Lumentut, M. Daud, Dayen Baho","doi":"10.4108/EAI.4-11-2020.2304621","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304621","url":null,"abstract":". Combating terrorism is closely related to the concept of upholding and protecting human rights in a democratic country. The issue of terrorism has become a transnational issue that threatens world peace, therefore comprehensive efforts are very important for the government to overcome this problem both legally, formally, institutionally and practically. The purpose of this research is to harmonize the implementation of regulations on terrorism from a human rights perspective, because it is still a pros and cons in Indonesian society. The writing of this article uses normative legal research methods. The results showed that the Indonesian government had effective regulations in dealing with criminal acts of terrorism; also regarding the content of the material on various articles listed in Law no. 5 of 2018 is still not fully in line with the principles and norms of human rights which result in the potential or threat of human rights violations, criminal acts of terrorism are increasingly developing with technological advances that are currently spreading into social life.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"44 15","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72401922","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Implementation of Law For TNI Soldiers as a Perpetrator of Desertion Crimes","authors":"RR Astuty, S. Sudarno","doi":"10.4108/EAI.4-11-2020.2304609","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304609","url":null,"abstract":". This study aims todetermine the Principles of Law Enforcement for TNI Soldiers as Perpetrators of Desertion and Good Law Enforcement Strategies for TNI Soldiers as perpetrators of desertion. This research was conducted in the Main Military Justice Jurisdiction III-16 Makassar which includes, (1) Kodam XIV / Hasanuddin Region consists of 3 (three) Korem namely Korem 141 Bone, Korem 142 Mamuju West Sulawesi, and Korem 143 HO Kendari Southeast Sulawesi. (2) Lantamal 6 Makassar region consists of Manado Lanal Command, Lanal Palu Command, Lanal Kendari Command and (3) Makassar Koopsau II Region consisting of Manado Lanud, Lanud Kendari, and their respective main regiments. The research method used is juridical researchThe approach used in the research is a juridical approach and a sociological approach, the sources and types of data are primary and secondary data, the data are analyzed qualitatively descriptive.. The results of this study showed that, The Application of Law for TNI Soldiers, As Perpetrators of Desertion, namely Article 87 of the Military Criminal Law (KUHPM), the Law on Military Discipline (KUHDM), The Rule of Military Discipline (PDM), and other Regulations. Good Law Enforcement Strategy for TNI Soldiers as a desertion actors by preventive means by using the ethical system and military norms that until now embraced by the TNI, namely; Oath of Soldier, Sapta Marga, Eleven Principles of TN Leadership, and Eight Compulsory TNI. Efforts to Counsel Law and Memerikan Spiritual Mental Development (Religion) to members of the TNI, and Represif Law of the Republic of Indonesia Number 31 Year 1997 on Military Justice.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"42 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"77273679","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Development Strategy for Superior Cassava Products for MSMEs in Deli Serdang Regency","authors":"P. Remus, H. Tarmizi, Rahmanta Rahmanta, A. Purwoko","doi":"10.4108/EAI.4-11-2020.2304553","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304553","url":null,"abstract":"Cassava is one of the superior commodities of MSMEs in Deli Serdang. The existence of government regulation of Deli Serdang which stipulates cassava as the superior product of Deli Serdang has not maximally helped MSMEs in developing superior products of cassava as a quality processed product and failed in increasing MSMEs income. It is necessary to know how the strategy for developing superior products of MSMEs in Deli Serdang. The purpose of this research is to find aspects of internal and external environmental consist of strengths, weaknesses, opportunities and threats for the development of superior products of Deli Serdang MSMEs, which can used to improve quality and competitiveness. The approach used in this research is descriptive qualitative with the SWOT analysis. The results show that the superior cassava product development program has 8 strength factors, 10 weakness factors, only 5 opportunity factors and 5 threat factors which indicate that the development of superior cassava products has not succeeded. The findings require a strategy to increase the strength factor, overcome shortages, face threats and increase opportunities by formulating 10 strategies for developing program of superior cassava products and increasing income.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"32 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74376906","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Using Authentic Materials to Improve Listening Comprehension in Esl Classroom","authors":"M. Maftuh, Imam Mudofir, M. Aziz, E. Maaliah, N. Fitriana","doi":"10.4108/EAI.4-11-2020.2304543","DOIUrl":"https://doi.org/10.4108/EAI.4-11-2020.2304543","url":null,"abstract":"This research purposes is, to identify and prove whether the implementation of authentic material was able to improve the students’ listening skills. The research method used in this study was a classroom action research (CAR). It was performed in two cycles at the ESL Classroom especially in the intermediate listening class. The procedures in every cycle included planning, implementing, observing, and reflecting. Qualitative data was collected by using observation, interview, and questionnaire. Analysing data by comparing the mean score of pre-test and post-test was as a quantitative data. The research findings prove that authentic materials improve the students’ listening skill. It was demonstrated by the improvement of students’ mean score. The mean score of pre-test was 58, 38. It improved to 70.15 in first post-test and improved up to 82,82 in second post-test. The improvements of students’ listening comprehension are: 1) the students could locate and determine the general information (central idea), 2) the students could discover the detail information, 3) the students could find the implicit information, 4) the students could find the purpose, and 5) the students were able to make inference. In order to get maximum achievement of students listening comprehension, the lecturer ought to apply authentic material as an interesting teaching media which will seize students’ attention to participate in listening comprehension.","PeriodicalId":34059,"journal":{"name":"Volga Region Farmland","volume":"41 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-02-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74844013","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}