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Ikhtisar Keuangan Utama Main Financial Highlights Dalam Jutaan Rupiah / In Milion Rupiah Data Keuangan| financial account 2012 2011 2010 Total Asset 2.778.919 2.169.035 1.520.027 Dana Pihak Ketiga | Third Party Funds 2.204.777 1.759.394 1.161.184 Giro | Current Account 925.913 659.419 420.487 Tabungan | Saving 602.545 575.601 384.629 Deposito | Time Deposit 676.319 524.374 356.068 Kredit yang Dibiarkan | Loans 2.049.777 1.320.176 1.035.723 Modal Disetor | Paid in Capital 127.110 118.610 116.930 Ekuitas | Equity 283.031 224.356 209.860 Laba sebelum Pajak | Income before Tax 101.894 71.450 91.731 Laba Setelah Pajak | Income after Tax 69.801 41.392 65.724 RASIO-RASIO KEUANGAN | financial ratios LDR 93,27% 75,14% 89,20% CAR 15,84% 22,84% 24,81% ROA 3,41% 3,17% 4,60% ROE 30,78% 19,19% 34,43% NIM 7,70% 10,82% 18,04% BOPO 73,27% 78,12% 70,24% KAP 0,26% 0,64% 1,50% NPL (Gross) 0,22% 0,67% 1,66% NPL (Netto) 0,03% 0,05% 0,29% Penyediaan Dana | Provision of Funds Pihak Terkait | Related Parties 11.980 10.808 9.633 Persentase Pelanggaran BMPK | Minimum Percentage limit lending Pihak Terkait | Related Parties 0,00% 0,00% 0,00% Pihak Tidak Terkait | Non Related Parties 0,00% 0,00% 0,00% Persentase Pelampauan BMPK | Minimum Percentage Of Excess Limit Lending Pihak Terkait | Related Parties 0,00% 0,00% 0,00% Pihak Tidak Terkait | Non Related Parties 0,00% 0,00% 0,00% JARINGAN KANTOR | office network Kantor Pusat | Head Office 1 1 1 Kantor Cabang Utama | Main Branch 1 1 1 Kantor Cabang | Branch Office 6 6 5 Kantor Cabang Pembantu | Sub Branch Offices 21 18 20 Kantor Kas | Cash Office 5 5 5 Kas Mobil | Mobile cash 2 2 1 Payment Point 2 2 2 ATM (Anjungan Tunai Mandiri) | Automated Teller Machine 28 25 19 JUMLAH PEGAWAI | Total of Employees 525 310 333 Laporan Tahunan-Annual Report Bank Bengkulu 2012 1 Profil Perusahaan Company Profile Nama Perusahaan I Corporate Name PT Bank Pembangunan Daerah Bengkulu Nama Panggilan I Called Name Bank Bengkulu Kantor Pusat I Head Office Jalan Basuki Rahmat No. 6 Bengkulu Telepon I Phone (0736) 341170 - 26098 – 21751 – 22144 – 347280 – 22679 Faksimil I Facsimile (0736) 21178 Website http://www.bankbengkulu.co.id Email [email protected] Didirikan I Established 9 Agustus 1969 Beroperasi I Start Operation 13 April 1971 Status I Limited Liability Status Sejak tanggal 1 Mei 1999 berubah dari Perusahaan Daerah menjadi Perseroan Terbatas Modal Dasar I Initial Capital Rp. 175.000.000.000,00 Modal disetor I paid-in capital Rp. 127.110.000.000,- NPWP 01.102.951.9.311.000 Pemilik I Owner 1. Pemerintah Propinsi Bengkulu 2. Pemerintah Kabupaten dan Kota se Propinsi Bengkulu 2 Laporan Tahunan-Annual Report Bank Bengkulu 2012 Sejarah Singkat Brief History Bank Bengkulu didirikan pada tanggal 9 Agustus 1969 Bank Bengkulu was established on August 9, 1969 based on berdasarkan Surat Keputusan p.d. Gubernur Penguasa Decree of Governor of Bengkulu Regional Authority Number: Daerah Propinsi Bengkulu Nomor : 08/14/EKU/1969 yang 08/14/EKU/1969 which was approved by the Minister of disahkan oleh Menteri Dalam Negeri Republik Indonesia Home Affairs of the Republic of Indonesia under Decree dengan Surat Keputusan Nomor : D-15-6.1.25 tanggal 17 Number: D-15-6.1.25 May 17, 1970. Mei 1970. Setelah melakukan persiapan yang dipersyaratkan, maka After making the required preparations, then with the dengan Keputusan Menteri Keuangan Republik Indonesia Minister of Finance of the Republic of Indonesia Number: Nomor : Kep-102/DDK/II/4/1971, tanggal 7 April 1971 Bank Kep-102/DDK/II/4/1971, dated 7 April 1971 the Bank Bengkulu memulai usahanya sebagai lembaga keuangan Bengkulu started his business as a bank financial institution bank setelah diresmikan pembukaannya oleh Gubernur M. after its opening was inaugurated by Governor M. Ali Amin, Ali Amin, SH. bersama Pangdam IV Sriwijaya Brigjen TNI SH. joint military commander Brigadier General Sriwijaya IV Satibi Darwis pada tanggal 13 April 1971. Satibi Dervish on April 13, 1971. Selanjutnya dalam rangka memberdayakan BPD guna Furthermore, in order to empower the BPD to spur economic mendorong pertumbuhan ekonomi di daerah melalui growth in the region through the development of small and pengembangan usaha kecil dan menengah, maka medium enterprises, the government has implemented the pemerintah melaksanakan program rekapitalisasi recapitalization of BPD programs including BPD Bengkulu. terhadap BPD termasuk BPD Bengkulu. Dengan memperhatikan kondisi perbankan pada saat itu By considering the condition of banks at that time is not kurang baik, maka untuk meningkatkan kinerja PT Bank good, hence to improve the performance of PT Bank Pembangunan Daerah Bengkulu telah diikutsertakan Bengkulu Regional Development have been included in dalam rekapitalisasi. Sehubungan dengan hal tersebut, the recapitalization. In connection with this matter, BPD BPD Bengkulu yang mengikuti program rekapitalisasi Bengkulu following the recapitalization program are required diharuskan merubah bentuk hukumnya dari perusahaan to change its legal form from a local company into a Limited daerah menjadi Perseroan Terbatas (PT), yaitu PT Bank Liability Company (PT), namely PT Bengkulu Regional Pembangunan Daerah Bengkulu atau disingkat menjadi Development Bank, or abbreviated to PT Bank Bengkulu by PT Bank Bengkulu dengan Akta Notaris Irawan,SH Nomor Deed Irawan, SH No. 1 dated May 1, 1999 and was approved 1 tanggal 1 Mei 1999 dan telah disahkan oleh Menteri by the Minister of Justice of the Republic of Indonesia Letter Kehakiman Republik Indonesia Surat Nomor : C-8226. No. C-8226.HT.01.01.TH.99 dated May 5, 1999. HT.01.01.TH.99 tanggal 5 Mei 1999. Selanjutnya dilakukan perjanjian bersama antara Subsequently conducted joint agreement between the Pemerintah Republik Indonesia, PT Bank Pembangunan Government of the Republic of Indonesia, PT Bengkulu Daerah Bengkulu dan Bank Indonesia pada tanggal 7 Regional Development Banks and Bank Indonesia on Mei 1999. Penyertaan modal pemerintah pusat dalam May 7, 1999. Central government capital participation rangka program rekap dimaksud telah diselesaikan Bank in the framework of the program is already completed Bengkulu pada tahun 2004 yang lalu. recapitalization of Bank Bengkulu in the year 2004. Laporan Tahunan-Annual Report Bank Bengkulu 2012 3 Modal Dasar Authorized Capital 1. Peraturan Daerah (PERDA) Nomor 3 Tahun 1975 1. Regional Regulation (Perda) No. 3 of 1975 on Bengkulu tentang Bank Pembangunan Daerah Bengkulu Regional Development Bank which was approved by yang disahkan oleh Menteri Dalam Negeri Republik the Minister of Home Affairs of the Republic of Indonesia Indonesia dengan Surat Nomor Pem/10/29/48/152 Number Pem/10/29/48/152 Letter dated June 8, 1977 tanggal 8 Juni 1977 modal dasar bank sebesar Rp. 100 the authorized capital of banks amounted to USD. 100 juta. million. 2. Peraturan Daerah (PERDA) Nomor 5 Tahun 1979 modal 2. Regional Regulation (Perda) No. 5 of 1979 authorized the dasar bank ditingkatkan menjadi Rp. 500 juta. bank increased to Rp.500 million. 3. Peraturan Daerah (PERDA) Nomor 13 Tahun 1981 3. Regional Regulation (Perda) No. 13 of 1981 authorized modal dasar bank ditingkatkan menjadi Rp. 1,5 milyar. the bank increased to Rp.1.5billion. 4. Peraturan Daerah (PERDA) Nomor 11 Tahun 1992 4. Regional Regulation (Perda) No. 11 of 1992 which was yang disahkan oleh Menteri Dalam Negeri Republik approved by the Minister of Home Affairs of the Republic Indonesia dengan Surat Nomor : 584-288-425 tanggal of Indonesia by Letter Number: 584-288-425 dated 23 Maret 1993 modal dasar ditingkatkan menjadi Rp. 5 March 23, 1993 the authorized capital was increased to milyar. Rp. 5 billion. 5. Perda Nomor 1 Tahun 1999 tanggal 11 Februari 1999 5. Regional Regulation No. 1 of 1999 dated February dan Akte Pendirian Perseroan Terbatas Nomor 1 11, 1999 and Notary Deed No. 1 dated May 1, 1999, tanggal 1 Mei 1999 yang dibuat dihadapan Irawan SH prepared by Irawan SH in Bengkulu and was approved by Notaris di Bengkulu dan telah disahkan oleh Menteri the Minister of Justice of the Republic of Indonesia Letter Kehakiman Republik Indonesia Surat Nomor : C-8226. No. C-8226.HT.01.01.TH.99 May 5, 1999 with authorized HT.01.01.TH.99 tanggal 5 Mei 1999 dengan modal capital of banks increased to Rp. 10 billion. dasar bank ditingkatkan menjadi sebesar Rp. 10 milyar. 6. Akta Perubahan Anggaran Dasar Perseroan tanggal 23 6. Deed of Amendment of Articles of Incorporation dated Juli 1999 yang dibuat dihadapan Irawan SH Notaris di July 23, 1999, prepared by Irawan SH, Notary in Bengkulu Bengkulu dan telah disahkan oleh Menteri Kehakiman and was approved by the Minister ofof Justice of Republik Indonesia Nomor C-20091 HT.01.04 TH 99 theRepublic of of Indonesia No. C - 20 091 THHT.01.0499 tanggal 15 Desember 1999 modal dasar bank menjadi dated December 15, 1999 authorized the bank to Rp.30 Rp. 30 milyar. billion. 7. Akta Perubahan Anggaran Dasar Perseroan yang 7. Deed of Amendment to Articles of Association of Notary dibuat dihadapan Notaris Irawan,SH Nomor 34 tanggal Irawan, SH No. 34 dated 13 January 2006 and was 13 Januari 2006 dan telah disahkan oleh Menteri approved by the Minister of Justice of the Republic of of Kehakiman Republik Indonesia Nomor W21-00006 Indonesia No. W21 - 00 006 -TH.2007HT.01.04 January HT.01.04-TH.2007 tanggal 22 Januari 2007 modal dasar 22, 2007 the authorized capital of the bank increased to bank ditingkatkan menjadi Rp. 100 milyar. Rp.100 billion. 8. Akta Perubahan Anggaran Dasar Perseroan yang 8.
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    BAB/ CHAPTER I KEADAAN GEOGRAFI DAN IKLIM GEOGRAPHYCAL AND CLIMATE SITUATION 1 1.1. KEADAAN GEOGRAFI GEOGRAPHYCAL SITUATION 1. Kabupaten Bengkulu Selatan terletak antara 4 09’39” – 4 033’ 34” Lintang Selatan dan antara 102 047’45” - 103 017’18” Bujur Timur. 1) Bengkulu Selatan Regency in located between 4009’39” – 4 033’ 34” South Latitude and between 102 047’45” - 103 017’18” East Longitude. 2. Luas Wilayah (menurut BPN) : 1.186,10 km 2 Land Area : 1.186,10 km 2 3. Curah hujan rata- rata setahun : 2.700 – 4.000 mm Average of Rainfall in a year 4. Suhu udara harian : 22 0 - 31 0 C Daily temperature 5. Kemiringan Tanah/ The land slop : 0 – 15 0 = 45,86 % 15 – 25 0 = 39,66 % 25 – 40 0 = 10,46 % 40 0 » 4,02 % 6. Batas – batas Kabupaten Bengkulu Selatan: The Borders of Bengkulu Selatan Regency: Sebelah Utara/ North : Kabupaten Seluma : Seluma Regency Sebelah Selatan/ South : Kabupaten Kaur : Kaur Regency Sebelah Barat/ West : Lautan Hindia : Hindia Ocean Sebelah Timur/ East : Provinsi Sumatera Selatan : Sumatera Selatan Province Catatan: 1) Berdasarkan batas Bakosurtanal dan pengamatan peta citra satelit. Batas wilayah dengan Provinsi Sumatera Selatan ditetapkan sesuai batas yang digunakan oleh Bakosurtanal. Batas wilayah dengan Kabupaten Kaur ditetapkan Air Sulau sedangkan batas wilayah dengan Kabupaten Seluma belum diputuskan secara resmi hingga saat ini. 2 NAMA IBUKOTA KABUPATEN/ KOTA DAN JARAK TABEL ANTARA IBUKOTA KABUPATEN BENGKULU SELATAN KE IBUKOTA KABUPATEN/ KOTA LAINNYA : 1.1.1. REGENCY CAPITALS AND DISTANCT FROM BENGKULU TABLE SELATAN
  • Volume 2 Nomor 3 Juli 2021 Daftar Isi

    Volume 2 Nomor 3 Juli 2021 Daftar Isi

    p-ISSN 2798-0499 e-ISSN 2798-0502 Volume 2 Nomor 3 Juli 2021 Daftar Isi The Effect Of Sales Promotion And Store Atmosphere On Impulse Purchase In 157 - 167 Tong Hien Semarang Septian Deico T, Agus Hermani DS Influence Of Brand Image And Product Knowledge On Purchase Decision 168 - 173 (Study on Consumers of Holland Bakery Pandanaran Semarang) Sarah Puspaningrum, Handojo Djoko Walujo The Influence Of Product Quality, Price And Brand Image On The Purchase 174 - 179 Decision Of Bread Sari Bread (Study on Sari Roti Consumers in Semarang City) Septytiana Wahyu Mulyadi, Wahyu Hidayat Analysis Of Village Fund Management (Case Study of Suka Negeri Village, Air 180 - 184 Nipis District, South Bengkulu Regency) Widarti Kristiani, Neri Susanti, Rinto Noviantoro The Influence of Products and Places on Consumer Purchase Decisions at PT. 185 - 191 Utomo Prosperous with Grago, Kaur Regency Derry Aprido Yarangga, Siswanto, Meiffa Herfianti The Effect of Customer Value and Brand Trust on Customer Loyalty of Tabot 192 - 198 Savings Bank Bengkulu Main Branch Fery Gustian, Ahmad Soleh, Mimi Kurnia Nengsih The Relationship Of Services And Promotion With Purchase Decisions At Dewi 199 - 205 Cell Counter, Kaur District Restu Sukri, Karona Cahya Susena, Eska Prima M. D. Impact Of Social Media Marketing On Brand Image On Purchase Decisions Of 206 - 214 Millenials Consumers Hastuti Analysis Of Marketing Strategy At Business Resources Store Bintuhan Kaur 215 - 221 Regency Dezandra Afiro, Sulisti Afriani, Yanto Effendi Marketing Strategy Analysis Of Msmes Dapur
  • Studi Historis Terhadap Koleksi Museum Subkoss Garuda Sriwijaya

    Studi Historis Terhadap Koleksi Museum Subkoss Garuda Sriwijaya

    Tamaddun: Jurnal Kebudayaan dan Sastra Islam, Vol. 20 No. 1, 2020| Merekonstruksi Sejarah Sub Komandemen Sumatera Selatan : Studi Historis terhadap Koleksi Museum Subkoss Garuda Sriwijaya 1Ravico, 2Berlian Susetyo 1IAIN Kerinci, 2 Museum Subkoss Garuda Sriwijaya [email protected], [email protected] Abstrak Sejarah lokal yang sering dianggap sebelah mata, sehingga banyak sumber primer dari sejarah menjadi terbengkalai dan rusak. Oleh karena itu, perlunya keberadaaan museum sebagai wadah pelestarian situs sejarah. Sebagai contoh Museum Subkoss Garuda Sriwijaya, yang menyimpan benda-benda perjuangan masyarakat dalam Sumatera bagian Selatan dalam melawan Kolonial Belanda. Akan tetapi, kurangnya minat dan informasi sehingga banyak koleksi di museum dianggap sebagai sebuah data tak penting. Oleh karena itu, Perlunya rekontruksi sejarah dibalik koleksi museum sebagai langkah awal. Penelitian ini, menngunakan metode penelitian sejarah dengan langkah-langkahnya yaitu, heuristik, verifikasi, interpretasi dan historiografi. Untuk menganalisis data yang diperoleh digunakan pendekatan arkeologi yaitu mengkaji benda-benda peninggalan sejarah untuk dicari fakta dibalik benda tersebut. Adapun hasil penelitian ini mengukapkan bahwa gedung museum ini memiliki nilai sejarah yang panjang dari fungsinya sebagai kantor pemerintahan pada masa kolonial Belanda dan Jepang serta pernah menjadi markas besar subkoss. Dalam perlawanan melawan penjajah terdapat beberapa benda-benda peninggalan seperti lokomotif uap C3082, Mobil Jeep Willys STD 156, meriam kecepek dan landmijn. Semua benda tersebut memiliki histori yang cukup panjang dalam mempertahankan kemerdekaan. Kata kunci: Museum, Sejarah dan Subkoss Abstract Local history is often underestimated, so many primary sources of history are neglected and damaged. Therefore, the need for the existence of the museum as a container for the preservation of historical sites.
  • Ibda Edisi 2 2020.Pmd

    Ibda Edisi 2 2020.Pmd

    Jurnal Kajian Islam dan Budaya THE MEANING OF TRADITION “NJALANG” FOR THE PEOPLE OF MERPAS VILLAGE, KAUR REGENCY, BENGKULU Yoka Pradana Universitas Darussalam Gontor Jl. Raya Siman, Kabupaten Ponorogo Jawa Timur 63471 E-mail: [email protected] Abstract: One of the traditions of grave pilgrimage that is still carried out by the community is the tradition of grave pilgrimage in Merpas Village Kaur Regency, Bengkulu known as Njalang. This tradition is unique be- cause the grave pilgrimage is carried out jointly by villagers every 2nd day of Syawal. This research is aimed at analyzing the meaning of Njalang for the Merpas villagers from the perspective of symbolic interaction. The research method was descriptive qualitative. In-depth interviews and observations of participants were used as the techniques of data collec- tion. The results of this research indicate that the implementation of Njalang tradition is a marriage between cultural activities and religious rituals that have meaning for the people of Merpas village. Njalang is defined as shared reality, as a tradition that creates joint actions and spiri- tual meanings within pilgrims. This article found something new that visiting the tombs of families and religious figures there are several simi- larities as well as differences in meaning. The meaning is emphasized on the implementation of the tradition together. KeywordsKeywords: Meaning, Njalang, Pilgrimage Graves, Symbolic interactions. AbstrakAbstrak: Salah satu tradisi ziarah kuburan yang masih dilakukan masyarakat adalah tradisi ziarah kuburan di Desa Merpas Kabupaten Kaur, Bengkulu yang dikenal dengan nama Njalang. Tradisi ini unik karena ziarah kuburan dilakukan secara bersama-sama oleh warga desa setiap hari ke-2 Syawal.