RESCHEDULING GOTONG ROYONG UNTUK PENANGANAN KREDIT BERMASALAH PADA PT BPR BCS MAGETAN

ABSTRACT The purpose of this study is to determine the handling of bad loans or problem loans at PT BPR BPR Buana Citra Sejahtera from the Bank's behavior or the behavior of bank employees. This type of research is qualitative research. The research method uses interviews and observations. The data source in this study is primary data, obtained from several employees of PT BPR Buana Citra Sejahtera related to the credit section. Troubled credit handling carried out by the behavior of PT BPR Buana Citra Sejahtera employees in addition to implementing technical imposed by the Financial Services Authority, namely in the form of rescheduling, reconditioning, restructuring, and confiscation of guarantee goods. PT BPR Buana Citra Sejahtera also applies a sense of chair and humanity by through the process of resignation of the monthly book close to wait for customers who have agreed to pay off their bad credit. So besides considering the return of credit for the bank in the end there are values caught on the practice of PT BPR Buana Citra Sejahtera, namely still considering a sense of mutual cooperation, humanity, kinship. Keywords: People's credit bank, employee behavior, accounting for confectional, financial institutions, principle timeliness. ABSTRAK Tujuan dari penelitian ini yaitu untuk mengetahui penanganan kredit macet atau kredit bermasalah pada PT BPR Buana Citra Sejahtera dari perilaku pihak bank atau perilaku karyawan bank. Jenis penelitian ini adalah penelitian kualitatif. Metode penelitian menggunakan wawancara dan observasi. Sumber data pada penelitian ini adalah data primer, diperoleh dari beberapa karyawan PT BPR Buana Citra Sejahtera yang berhubungan dengan bagian kredit. Penanganan kredit bermasalah yang dilakukan oleh perilaku karyawan PT BPR Buana Citra Sejahtera selain menerapkan tehnik yang diberlakukan oleh Otoritas Jasa Keuangan yaitu berupa rescheduling, reconditioning, restructuring, serta penyitaan barang jaminan. PT BPR Buana Citra Sejahtera juga menerapkan rasa kekelurgaan dan kemanusian dengan melalui proses pengunduran tanggal tutup buku bulanan untuk menunggu nasabah yang telah sepakat akan melunasi kredit macetnya. Jadi selain pertimbangan kembalinya kredit untuk pihak bank pada akhirnya terdapat nilai-nilai yang tertangkap pada praktik PT BPR Buana Citra Sejahtera yaitu masih mempertimbangkan rasa gotong royong, kemanusiaan, kekeluargaan. Kata Kunci: Bank perkreditan rakyat, Perilaku karyawan, Akuntansi keperilakuan, Lembaga Keuangan, Prinsip ketepatan waktu.

JOB SATISFACTION IN PUBLIC AND PRIVATE BANKING SECTOR EMPLOYEES

This study finds out the effect of Job satisfaction on Cadre of Employees and Length of Service and interaction between cadre of employees and length of service. 240 subjects were used as sample of the research, 120 subjects were of Public Sector Bank and 120 of Private Bank of Meerut Region. Each group of 120 individuals consisted of 60 Officers and 60 Clerical staff. Each group of 60 bank employee consisted of 30 employee of below 5 years and 30 employee of above 10 years. Effects of this independent variable cadre have two categories officer (A1) and Clerical (A2). Second variable length of service has two categories i.e., below 5 years (B1) and above 10 years (B2). Job Satisfaction Scale: This test was developed by Prof. S.K. Srivastava of Gurukul Kangri University; Haridwar. As the design of the study examine the effect of one dependent variable on job satisfaction and two independent variables were, Cadre (A), Length of Service (B). ANOVA was used as statistical technique to analyze the data followed by Mean.

Pandemic Coronavirus Disease-19-Induced Obsessive Compulsive Disorder on the Bank Employee

BACKGROUND: Coronavirus disease-19 (COVID-19) is a highly contagious viral disease that affects respiratory system and other organs. It is transmitted through air or contact of contaminated surfaces. Thus, physical and social distancing, hand washing with soap, or hand sanitizer are greatly persuaded. Interestingly, this pandemic does not only affect physical health, but also mental disorder, including obsessive-compulsive disorder (OCD) that is marked with the presence of either obsession or persistent compulsive behavior, or in the most common form, both are present. Obsession is thought, image or desire that preoccupies someone’s mind which commonly is related to anxiety. Compulsion, in the other hand, is repetitive behavior that strongly derives individual to do so to achieve fulfillment of one’s obsession that is not considered normal on the bases of daily norm. CASE REPORT: A 26-year-old woman as a bank employee admitted of doing repetitively unreasonable hand washing and shower within approximately the past 3 months. She even washes her hands more than 10 times in an hour and takes shower more than 5 times a day. She admitted that this is her very first experience and all were started at the beginning of COVID-19 pandemic. CONCLUSION: COVID-19 pandemic also causes serious mental disorders and has become such a nightmare or worst scenario for those experiencing OCD. Physical and social distancing, hand washing with soap, or hand sanitizer are greatly.

Glimpse of interaction between traditional and digital banking instruments

The article is focused on studying the global trends in banking systems: development of digital banking, displacement of traditional banking - banking of branches (affiliates). Within the framework of this global trend, a hybrid banking service model is noticed to be forming, where traditional and digital banking systems complement each other. The concepts of traditional and digital banking are given a detailed consideration. The element of traditional banking – a “live” dialogue between a client and a bank employee - is a very important aspect for the efficient customer service and banking system on the whole. The models of the banking system of modern Russia, Germany, Switzerland and other countries of continental Europe are largely homogeneous. The interaction of traditional and digital banking instruments develops according to the general principles. There has been analyzed the research of the German economists and bankers. There has been mentioned the successful operation of banks in Switzerland, Germany and other banks using the banking systems of the continental model for building new cooperatives of banking instruments. A special importance is given to another global trend - the creation of financial and banking ecosystems, which today mean the combination of banking and non-banking services in the interests of developing a client-oriented approach. There has been justified the hypothesis of the inevitability of building a hybrid model of traditional and digital banking, its actual implementation into actively developing financial and banking ecosystems.

Kunst des Wartens – Zeitempfinden in Martin Mosebachs Roman Mogador (2016)

Sztuka czekania – percepcja czasu w powieści Mogador (2016) Martina Mosebacha Powieść Martina Mosebacha Mogador konfrontuje dwie kultury. Bohater – młody, odnoszący sukcesy pracownik banku z Niemiec – musi spędzić kilka tygodni w Maroku wśród jego mieszkańców. Musi zmierzyć się z obcymi zwyczajami i innym rytmem życia ludzi, którzy wydają się mieć znacznie więcej czasu i nie muszą poddawać się jego presji. W artykule skupiono się na przedstawieniach percepcji czasu (np. w czasie wolnym, w trakcie posiłków czy oczekiwania), która wydaje się jedną z najważniejszych różnic pomiędzy kulturą europejską a marokańską. Artykuł ma na celu opisanie ludzkiej tęsknoty za godnym przeżywaniem czasu, za tzw. slow life, która wydaje się pragnieniem ukrytym pod niepokojem i szybkością współczesnego świata. Art of Waiting – Perception of Time in Martin Mosebach’s Novel Mogador (2016) Martin Mosebach’s novel Mogador confronts two cultures; the protagonist, a young, successful, German bank employee must spend some weeks in Morocco among the locals. He has to deal with foreign customs and another rhythm of life among people who seem to have much more time and don’t have to subject themselves to the pressure of the clock. The article focuses on the depictions of time perception (e.g. during leisure time, meals, waiting, etc.), which seems to be one of the most important differences between them. The article aims to describe the human longing for dignified handling of time, for slow life, which seems to be a yearning hidden under the anxiety and speed of the modern world.

IMPROVING THE FINANCIAL MONITORING SYSTEM: AUTOMATION OF THE BANK'S CUSTOMER VERIFICATION PROCESS

The article is devoted to Improving the system of financial monitoring of the bank by automating the process of verification of bank customers. One of the simplest, but one of the most relevant, in terms of combating money laundering, is the process of assessing the level of invalidity of the client. However, it is not so much his financial capacity as his reputation and the level of probability of involvement in the legalization of criminal proceeds. The bank's clients are the second link in the process of legalization of criminal proceeds, namely an element of the placement process. If the bank's clients place criminally obtained funds, the process of their further identification will become much more complicated and will require additional efforts. Automation of identification and verification processes helps not only to save time on establishing the client's involvement in the legalization of criminal proceeds, but also eliminates the risk of involvement of the bank employee in such operations. Automation of customer identification and verification processes should include full or partial automation of processes: filling out a customer card in an automated banking system; filling in the electronic questionnaire of the client; checking the client's affiliation with politically significant and related persons and obtaining permission to establish business relations with them; customer data verification; financial condition assessments; customer reputation assessments; customer risk assessment; receiving a decision-proposal to establish a business relationship with the client or to refuse service; further updating of data; risk reassessment. Recently, it is especially important to assess the bank's client's affiliation with a politically significant person, as well as to establish the ultimate beneficial owner of the client. A study of the full implementation and enforcement of international agreements between the Government of Ukraine and the United States on tax claims on foreign accounts also found a place. Therefore, the process of identification and verification of customers is very important, and its rational automation can free up time for the bank's specialists to carry out the process of customer verification, which is impossible to conduct online.

Attitudes towards professions as an indicator of social changes

Analysis of attitude towards various professions (attractiveness or prestige) is a integral part of studying the choice of profession. The dynamics of the attitude of young people to the studies indicates that it is clearly connected with the current situation and changes when new phenomena arise in it. Thus, in the data of the 1960s echoes of recent events are noticeable - the launch of the first Soviet "Sputniks", the Yuri Gagarin's flight. The connection with the demand for professions, one way or another related to science and technology, is obvious: the attractiveness of the occupations of scientists and engineers is great. During the years of economic difficulties and shortages, attention was drawn to the rise in the attractiveness of the professions of a seller, an accountant, which had previously been among the lowest rated. Then the time came when the leaders were professions of a bank employee, a lawyer, a businessman, a foreign trade worker, and scientists, teachers fell lower and lower on the scale of attractiveness. In the 2010s, a civil servant joined the leaders. The opinions expressed in each subsequent year belong to a different cohort of young people. Analysis of the dynamics over a long period of time also allows one to draw conclusions about the characteristics belonging to different generations. At the same time, it is found that in order to interpret the data, it is necessary to consider the attitude towards classes in connection with the accumulated experience of the family as well. Family experiences are translated into educational and vocational orientations of children. This is confirmed by data on motivation and the actual choice of education and profession. The conclusion that the formation of youth orientations is associated not only with the perception of the current situation, but also with the social experience of previous generations, is based on the materials of over 50 years of data.

Prerequisites for Increasing the Turnover of Line Banking Personnel

the article examines the objective and ideologically established prerequisites for the growth of the outflow of line banking personnel. In the realities of widespread digitalization and the development of remote technologies, the reasons for the increase in staff turnover are not sufficiently justified and clear. Of course, the profile of the most linear bank employee brings us back to the question of the Theory of generations of N. Howe and V. Strauss, as well as to the personalization of the approach of employee adaptation in the workplace. The methodological basis of these studies is the research and scientific works of Russian and foreign scientists. Separately, the author’s research is presented, which allows us to establish a connection between employees and the reason for dismissal from the bank, as well as to analyze the current situation with the allocation of the most “acute” wishes of the bank staff when leaving the organization. The corresponding conclusions are made, and the assumptions of obtaining an effect when implementing a number of measures are put forward.

Protection of Clients’ Rights in the Microcredit Process

The author has analyzed the role and significance of overdraft for microcredit of the needs of the poor in the conditions of economic crisis and low wages. The positive and negative aspects of overdraft in the context of integration of the country’s financial system into the world community have been clarified. Inconsistency of normative provisions of legislative acts reduces the efficiency of the banking sector of the economy. Bank managers resort to abuse, do not fully explain the terms of microcredit, and do not create conditions for the management of balances and control over them. Customer complaints are considered formally, without their participation. Using the trust of the client, bank managers offer a variety of services in order to receive commissions. The business reputation of a bank employee depends on the amount and amount of funds attracted by the client, but not on the quality of services. It has been offered to strengthen state control over the activities of the banking sector, as well as to increase the legal awareness of young people in the process of using financial services of foreign and domestic banks and credit institutions.