analisis risiko pengusahaan bunga pada pt saung mirwan kabupaten bogor provinsi jawa barat
TRANSCRIPT
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icm phm{c`ky-
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EFLFU5?33
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ehu`hgecmlm{c phmhucpcm yh`mfdflk pufix`~k$ ~hgc`km kmyhm~kbm{c ekgekmlcm
icm bc~kdkyc~k `hpcic phycmk icm phdc`x x~cjc$ ~hgc`km eck`m{c gcmcahghm x~cjc$
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phmkml`cycm kmk ghmxmax``cm ecj|c ycmcgcm jkc~ ghmlcdcgk phmkml`cycm {cml
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88 phu~hm exmlc pfyfml$ 8 phu~hm cmlluh` icm ~k~cm{c ycmcgcm jkc~ icxm- Jcd kmk
ghmxmax``cm ecj|c exmlc pfyfml ghmhgpcyk pufpfu~k phugkmyccm pc~cu {cml
pcdkml ykmllk ikecmikml`cm ycmcgcm jkc~ icxm- Ik Kmifmh~kc pufpfu~k `fgpf~k~k
phugkmyccm bdfuk`xdyxuc yhuikuk cyc~ 2? phu~hm xmyx` ycmcgcm jkc~ icxm$ 58 phu~hm
cmlluh` icm exmlc pfyfml jcm{c 38 phu~hm *Ecm` Kmifmh~kc 5??5+9- @fmik~k
yhu~hexy ghgphudkjcy`cm cicm{c `fmyucik`~k cmycuc pufpfu~k phugkmyccm exmlc
pfyfml ixmkc *88 phu~hm+ ihmlcm pufpfu~k phugkmyccm exmlc pfyfml ik Kmifmh~kc
*38 phu~hm+- Ehuic~cu`cm icyc yhu~hexy gc`c Kmifmh~kc ghgpxm{ck phdxcml xmyx`
ghmkml`cy`cm mkdck h`~pfu bdfuk`xdyxuc Kmifmh~kc `jx~x~m{c exmlc pfyfml-
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phmlhgecmlcm exmlc pfyfml ik Kmifmh~kc-
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ikdc`x`cm fdhj phdc`x x~cjc ehu~`cdc `hnkd$ ghmhmlcj icm eh~cu ihmlcm
~hlghmyc~k pc~cu {cml ehuehic- _hdc`x x~cjc `hnkd icm ghmhmlcj xgxgm{c
ehufukhmyc~k ghghmxjk ~hlghm pc~cu ifgh~yk` ~hicml`cm phdc`x x~cjc ehu~`cdceh~cu ghgekik` ~hlghm pc~cu {cml dhekj eh~cu {ckyx pc~cu kmyhumc~kfmcd- Cicm{c
phuehiccm ~hlghm icm fukhmyc~k pc~cu ikcmycuc `hyklc phdc`x x~cjc yhu~hexy ykic`
yhudhpc~ icuk `hgcgpxcm ghmljc~kd`cm pufix` ihmlcm `xcdkyc~ ~h~xck ihmlcm
phu~{cucycm icm ~ycmicu icuk pc~cu {cml ikgc~x`k- _c~cu kmyhumc~kfmcd ghmhucp`cm
~ycmicu gxyx {cml dhekj ykmllk ihmlcm kgecdcm km~hmykb jculc {cml dhekj ykmllk
ikecmikml`cm pc~cu ifgh~yk`- Fdhj `cuhmc kyx$ phdc`x x~cjc ehu~`cdc eh~cu
ekc~cm{c ghmlcifp~k yh`mfdflk gfihum ~h~xck ihmlcm `hgcgpxcm gficdm{c clcuek~c ghghmxjk ~ycmicu gxyx {cml ikyhycp`cm- ^hghmycuc phdc`x x~cjc `hnkd {cml
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8
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phugkmyccm ~xdky ikphmxjk `cuhmc `hyhuecyc~cm axgdcj icm dxc~ pufix`~k ~huyc
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phux~cjccm kmk cicdcj icdcg ucml`c ghuh~pfm pc~cu- Cuykm{c `fgfikyc~ {cml
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~xgehu uk~k`f {cml ehuehic- Ghmlx~cjc`cm ehueclck ahmk~ exmlc c`cm
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uk~k`f ihmlcm ncuc ghmlx~cjc`cm ehehucpc c`ykrkyc~ x~cjc cycx c~~hy*Jcu|ffi hy
cd- 3;;;+- ^hphuyk yhdcj ikahdc~`cm ik cyc~ ecj|c xpc{c ikrhu~kbk`c~k {cml
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~hacxj gcmc jxexmlcm ikrhu~kbk`c~k {cml ikdc`x`cm _Y ^cxml Gku|cm icdcg
ucml`c ghuh~pfm pc~cu ik`cky`cm ihmlcm xpc{c ghmxuxm`cm uk~k`f6
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3?
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yxaxcm xgxg {cml kmlkm ikncpck icdcg phmhdkykcm kmk cicdcj xmyx` ghgphdcacuk
phmlcuxj ikrhu~kbk`c~k {cml ikdc`x`cm _Y ^cxml Gku|cm icdcg ghmh`cm uk~k`f-
Yxaxcm `jx~x~ phmhdkykcm kmk cmycuc dckm1
3- Ghmlkihmykbk`c~k ~xgehu'~xgehu uk~k`f {cml ikjcicpk _Y ^cxml Gku|cmicdcg ghmlx~cjc`cm ehueclck ahmk~ exmlc-
5- Ghgphdcacuk jxexmlcm cmycuc ikrhu~kbk`c~k x~cjc exmlc ihmlcm xpc{cghmh`cm uk~k`f-
3-9-
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3- Eclk phux~cjccm$ phmhdkykcm kmk ikjcucp`cm ehulxmc ~heclck gc~x`cm icdcgghmlcgekd `hekac`cm gcmcahghm phmlhmicdkcm uk~k`f-
5- Eclk phgecnc$ phmhdkykcm kmk ikjcucp`cm icpcy ghgehuk`cm kmbfugc~k ~heclckecjcm cnxcm icm ecjcm phuecmikmlcm ghmlhmck gcmcahghm uk~k`f yhu`cky
ihmlcm ikrhu~kbk`c~k xmyx` phmhdkykcm ~hdcmaxym{c-
>- Eclk phmxdk~$ phmhdkykcm kmk ghuxpc`cm ghikc xmyx` ghmhucp`cm kdgx {cmlikphufdhj ~hdcgc phu`xdkcjcm-
3-8- Uxcml Dkml`xp _hmhdkykcm3- _ufix` {cml ik`cak icm ikyhdkyk pcic phmhdkykcm kmk cicdcj exmlc `uk~cm$
`cdcmikrc$ `cdcmnjfh icm `c~yxec {cml ikx~cjc`cm fdhj _Y ^cxml Gku|cm-
5- Icyc {cml iklxmc`cm ghuxpc`cm icyc pukghu ehuxpc jc~kd |c|cmncuc icmik~`x~k dcml~xml `hpcic phux~cjccm icm icyc ~h`xmihu ehuxpc icyc
phmaxcdcm$ jculc axcd icm icyc pufix`~k exmlc `uk~cm$ `cdcmikrc$ `cdcmnjfh
icm `c~yxec ~hdcgc `xuxm |c`yx ycjxm 5??; ~cgpck F`yfehu 5?3?-
>- Dkml`xp `cakcm gc~cdcj {cml ikyhdkyk cicdcj ghmlhmck cmcdk~k~ gcmcahghmuk~k`f ik`cky`cm ihmlcm ikrhu~kbk`c~k {cml ikyhucp`cm fdhj _Y ^cxml
Gku|cm pcic x~cjc exmlc `uk~cm$ `cdcmikrc$ `cdcmnjfh icm `c~yxec-
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33
KK-YKMACXCM _X^YC@C5-3- ^xgehu'^xgehu Uk~k`f
^xgehu'~xgehu phm{hece uk~k`f pcic x~cjc pufix`~k phuycmkcm ~heclkcm
eh~cu ik~hece`cm bc`yfu'bc`yfu yh`mk~ ~hphuyk phuxecjcm ~xjx$ jcgc icm phm{c`ky$
phmllxmccm kmpxy ~huyc `h~cdcjcm yh`mk~ *jxgcm huufu+ icuk yhmclc `huac- ^xgehu'
~xgehu uk~k`f yhu~hexy ghuxpc`cm ~xgehu uk~k`f yh`mk~ *pufix`~k+- Ikdkjcy icuk
~hlk mfm'yh`mk~ ~xgehu'~xgehu uk~k`f pcic x~cjc phuycmkcm iklfdfml`cm pcic
uk~k`f pc~cu {cml ghmnc`xp bdx`yxc~k jculc kmpxy icm fxypxy-
Uk~k`f {cml yhu`cky ihmlcm pufix`~k phuycmkcm xgxgm{c uhdcykb dhekj eh~cu
ikecmikml`cm ihmlcm kmix~yuk dckmm{c- Ikykmacx icuk x~cjc phyhumc`cm uk~k`f
pufix`~k ghuxpc`cm bc`yfu'bc`yfu {cml ehuphmlcuxj yhujcicp `xcmykyc~ icm
`xcdkyc~ icuk jc~kd phyhumc`cm- ^heclck nfmyfj$ buh`xhm~k jxacm {cml yhudcdx
ecm{c` cycx yhudcdx ~hik`ky icpcy ghux~c` ycmcgcm$ ghgexcy yhumc` ~c`ky$ icm
`hux~c`cm dcjcm- _huxecjcm ~xjx xicuc {cml iuc~yk~ icpcy ghmlc`kecy`cm icgpc`
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pcic puf~h~ ghdcjku`cm- Cicm{c phm{c`ky icpcy ghgphmlcuxjk axgdcj jh|cm
pcic efefy phm{cpkjcm icm axgdcj yhumc` ~ccy ikpcmhm- ^hgxc jcd yhu~hexyghuxpc`cm ~xgehu'~xgehu uk~k`f {cml jcux~ ikpcjcgk ihmlcm eck` icm ik`hdfdc
ak`c ~hexcj phux~cjccm phuycmkcm cycx phyhumc`cm kmlkm ehujc~kd-
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35
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mfugcd icm yhuhmicj ikx`xu icuk pufpfu~k buh`xhm~k cycx ehucpc `cdk phux~cjccm
ghmncpck phu~hmyc~h `hehujc~kdcm pufix`~k icm phmicpcycm yhuykmllk$ mfugcd icm
yhuhmicj ~hdcgc phukfih ~k`dx~ ehudcml~xml- Bc`yfu'bc`yfu phm{hece gxmnxdm{c
phu~hmyc~h `hehujc~kdcm pufix`~k `fmik~k yhuykmllk icm yhuhmicj cmycuc dckm nxucj
jxacm$ ~hucmlcm jcgc icm phm{c`ky icm `hux~c`cm gh`cmk~- Jc~kd phmhdkykcm
^hgekukml *5?3?+ yhmycml cmcdk~k~ uk~k`f pufix`~k ~c{xucm fulcmk` ghmhgx`cm
ecj|c bc`yfu {cml ghm{hece`cm ykgexdm{c uk~k`f pufix`~k pcic Yjh _kmh|ffi
Fulcmkn Bcug cicdcj cicm{c yh`mfdflk {cml ykic` ~hkgecml ~huyc- ^hdckm kyx
~xgehu uk~k`f axlc ehuc~cd icuk dkml`xmlcm h`~yhumcd exikic{c ~hphuyk jxgcm
huufu{cml ykgexd gxdck icuk phmcmcgcm ekeky ~hjkmllc ghmlc`kecy`cm ykgexdm{c
ykml`cy `hgcykcm cycx gfuycdkyc~ ycmcgcm {cml axlc ik~hece`cm fdhj ~hucmlcm
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pxpx`$ fecy'fecycm ~huyc yhmclc `huac-
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nx`xp `fgpdh`~ ~h~xck ihmlcm phmhdkykcm {cml ikdc`x`cm Dh~ycuk *5??;+ {cml
ghm{kgpxd`cm ~xgehu'~xgehu uk~k`f pcic x~cjc phgehmkjcm xicml rcmmcghk
cicdcj uk~k`f fphuc~kfmcd icm uk~k`f pc~cu- ^xgehu'~xgehu uk~k`f fphuc~kfmcdcmycuc dckm phmlciccm kmix` xicml rcmmcghk {cml ikicycml`cm icuk Jc|ckk$
Cghuk`c ^huk`cy ihmlcm ykml`cy uk~k`f ~h`kycu yklc phu~hm- Jcd kmk ik~hece`cm
kmix` {cml ikicycml`cm fdhj phux~cjccm jcux~ ghdh|cyk puf~h~ `cucmykmc yhudhekj
icjxdx ~hjkmllc ek~c ghmkgexd`cm `hlclcdcm icdcg ekuf`uc~k- ^hdckm kyx ~hukml
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puf~h~ ik~yukex~k {cml ghgc`cm |c`yx icm cicm{c phuehiccm ~xjx {cml uhdcykb
eh~cu cmycuc Mhlcuc c~cd xicml icm Kmifmh~kc- ^hdckm kyx ~xgehu uk~k`f
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