Banks have a very important role in terms of processing funds or allocating public funds to provide funds to the public in the form of credit. Credit control plays a very important role. Therefore, in granting credit must be with caution and with a credit control system that is good and right. This study aims to find out how to analyze the system and procedures for granting working capital loans applied by PD. BPR. Bahteramas Kendari. This type of research used by the author is descriptive research with a qualitative approach.From the results of the study, the authors know several weaknesses in the procedure for granting working capital loans and credit control as in the stage of credit analysis that there are still double tasks. In addition, in controlling credit there are also some deficiencies that may need to be corrected, such as the documents that are used inappropriately, and process improvements that are easier to understand from the time of credit application until the time of credit disbursement. Suggestions that can be given are the separation of tasks for the assessment of collateral or collateral and credit analysis assessment, there is a register of prospective customer forms at the time of the credit application contained in the identity of the prospective debtor to minimize fraud in the loan application.

This study aims to determine the amount of Production Costs and Business Income in the Bread Industry in Kendari City (Study on the Gift of Mandiri Bread and Sari Rama Modern Bakery). This research uses qualitative and quantitative approaches with 4 informants. The results showed that the production costs and operating income at the Karunia Mandiri Bread company and Sari Rama Modern Bakery were different. Where the amount of monthly production costs incurred by the Karunia Mandiri Bread company is Rp. 50,080,000 and Sari Rama Modern Bakery Rp. 46,047,500 and the amount of monthly income received by the Karunia Mandiri Roti company is Rp. 33,920,000 and Sari Rama Modern Bakery Rp. 25,952,500. Therefore, the company that earns more income is the Karunia Mandiri Roti company because the company Karunia Mandiri Roti produces more compared to Sari Rama Modern Bakery.ABSTRAKPenelitian ini bertujuan untuk mengetahui besar Biaya Produksi dan Pendapatan Usaha pada Industri Roti di Kota Kendari (Studi pada Karunia Mandiri Roti dan Sari Rama Modern Bakery). Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif dengan jumlah informan 4 orang. Hasil penelitian menunjukan bahwa biaya produksi dan pendapatan usaha pada perusahaan Karunia Mandiri Roti dan Sari Rama Modern Bakery berbeda. Dimana besarnya biaya produksi per bulan yang dikeluarkan perusahaan Karunia Mandiri Roti sebesar Rp. 50.080.000 dan Sari Rama Modern Bakery sebesar Rp. 46.047.500 dan besarnya pendapatan per bulan yang diterima perusahaan Karunia Mandiri Roti sebesar Rp. 33.920.000 dan Sari Rama Modern Bakery sebesar Rp. 25.952.500. Oleh karena itu, Perusahaan yang mendapatkan pendapatan lebih besar yaitu perusahaan Karunia Mandiri Roti dikarenakan perusahaa Karunia Mandiri Roti lebih banyak memproduksi dibandingan dengan Sari Rama Modern Bakery.

Pembinaan dan pengembangan di lingkup pegawai diharapkan akan memberi efek pengembangan prestasi kerja yang dimiliki oleh seorang pegawai, dalam hal ini Dinas Pekerjaan Umum Dan Perumahan yang mempunyai tugas utama sebagai pelayanan masyarakat dibidang infrastruktur maka pegawai yang ada harus melakukan pengembangan sumber daya manusia yang untuk meraih prestasi kerja yang terbaik. Tujuan dari penelitian ini untuk mengetahui pengaruh pengembangan sumber daya manusia terhadap peningkatan prestasi kerja pegawai Dinas Pekerjaan Umum dan Perumahan Rakyat Kabupaten Lampung Barat. Hipotesis penelitian dinyatakan "terdapat pengaruh pengembangan sumber daya manusia terhadap peningkatan prestasi kerja pegawai Dinas Pekerjaan Umum dan Perumahan Rakyat Kabupaten Lampung Barat". Pengumpulan data penelitian menggunakan teknik sampel penelitian dari 40 responden. Pengembangan sumber daya manusia (X) berpengaruh positif dan signifikan terhadap prestasi kerja pegawai (Y). Hal ini dibuktikan dengan nilai thitung = 2,520 (X) yang lebih besar dari nilai ttabel=1,717, serta nilai signifikansi P (Sig) 0,019 lebih kecil dari α=0,05, sehingga hipotesis Ho ditolak dan H1 diterima.

This study aims to determine the procedure for granting working capital loans at the South Sulawesi Southeast Sulawesi Main Branch Bank. The informants in this study were bank employee informants and informants from borrowers of capital business funds. The number of informants in this study were 3 people, consisting of 2 South Sulawesi Bank Employees, and 1 South Sulawesi Bank working capital customer. Data collection techniques carried out by means of interviews, namely data collection conducted by conducting question and answer directly with the Chairman or with the Employees of PT. Bank Sultra Utama Kendari Branch, specifically regarding crediting and study of documents that is, collecting data through documents or archives in the object of research as well as covering the history of the establishment of the company, organizational structure, and other data provided by the company. The analysis technique used to analyze the problems raised in this study is to use quantitative and qualitative descriptive data analysis techniques, namely the systematic depiction or decomposition of the procedure for granting credit by PT. Bank Sultra Kendari Main Branch to prospective debtors.The results showed that the procedure for granting credit is the stages that must be passed before a credit is decided to be disbursed. The procedure for granting working capital loans, starting from prospects of customers who come for the purpose of applying for credit, then collected files and requests for prospective customers. After that the completeness of the file is checked, and if the file is considered complete, the disposition of the application is carried out in accordance with the Standard Operating Procedure (SOP). If the requirements are deemed complete and feasible, then the leadership will continue to be recommended, and if the recom- mendation is accepted, then the credit analyst and credit admin will continue to be issued a letter of credit approval and finally an agreement is reached on the credit agreement and binding of the notary deed

Penelitian ini bertujuan untuk mengetahui kekuatan, kelemahan, peluang dan ancaman pada Zahra Syariah Hotel. Dan mengetahui strategi apa yang bisa dibuat agar Zahra Syariah Hotel lebih unggul dari pesaingnya. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kualitatif. Informan kunci pada penelitian ini adalah HRD Manager Zahra Syariah Hotel. Sedangkan informan tambahan adalah konsumen Zahra Syariah Hotel yang berjumlah 5 orang. Data yang diperoleh adalah hasil dari observasi, wawancara dan studi kepustakaan. Penelitian menggunakan teknik Analisis SWOT dengan hasil yang diperoleh bahwa Zahra Syariah Hotel berada pada kuadran I, posisi ini menandakan Zahra Syariah Hotel adalah Perusahaan yang kuat dan berpeluang. Perusahaan dalam kondisi prima dan mantap sehingga sangat memungkinkan untuk melakukan pertumbuhan dan meraih kemajuan secara maksimal. Kata Kunci : Strategi Bisnis, Analisis SWOT, Persaingan