Collection Services Research Articles

Tinjauan Hukum Penggunaan Debt Collector dalam Penagihan Hutang

Third party debt collectors provide collection services which are usually used by financial institutions to carry out credit collections. Large financial institutions such as banks have hundreds or even thousands of customers they must serve. The large number of customers makes it difficult for these financial institutions to serve customers internally. Of the many customers we have, there are quite a few customers who are disobedient or even default on the agreements they have made. Because of this inability, most large-scale financial institutions such as banks will ask for help from third parties to replace them in providing services to customers. One of the third parties whose services are used is a debt collector or what is usually called a debt collector. This third party moves to collect debts from debtors who are in default on the loans they have made. This research aims to analyze the legal view or juridical review of debt collectors who collect debts from debtors.

The Influence of Human Resource Competencies on The Quality of Financial Statements: Lessons from Indonesia

The increasing demand for good governance has encouraged the government to implement public accountability. One form of accountability in governance is to realize the accountability and transparency of government financial management, through the submission of accountability reports in the form of financial statements. The Navy Headquarters Work Unit is also tasked with preparing accountable and transparent financial reports. Empirical facts show that there are still several problems in realizing the quality of the financial statements (LK) of the Headquarters Satker, especially those caused by the competence of human resources (HR). This study aims to determine the effect of Human Resources competence on the quality of the Headquarters Satker financial statements. The population in this study were personnel serving in the Navy Finance Service (Diskual). The research method used is quantitative with a survey design. The results of this study found that: 1) Human Resource Competence has a positive and significant effect on the quality of Financial Statements. The limitations of this study are put forward as a reference for further research to produce better research. Some of these limitations are the uneven diversity/variation of age, length of service and work experience of respondents (across generations) and data collection carried out at a certain time, so that variations in perception are uneven and cannot be seen continuously.

Characterization of the Dominant Stages at Which Gas Flaring Is Introduced: Impacts and Policy Options to Ameliorate Them

Information on associated gas flaring in the Niger Delta is analyzed to characterize the various stages in the lifecycle of an oil exploration and production facility through which gas flaring is introduced into an area, leading to ecological, health, and economic impacts, and possible policies and implementation strategies for the reduction of the flared gas are offered. Gas flaring is currently occurring at a rate of 5318 million m3 per year in the Niger Delta region. The impacts of gas flaring on the ecological, human, and economic systems include poor air quality, acid rain, and soil degradation. Other impacts include decreased crop yield, increased incidences of respiratory diseases amongst inhabitants in the area, and losses of billions of USD yearly in economic costs. Three dominant stages in the introduction of gas flaring are characterized in this study, using the concept of the management of the invasion of non-native species into an ecosystem and it is determined that the cheapest method of minimizing gas flaring is to incorporate mitigation measures during the design stage of the oil exploration/production facility, rather than after flaring has commenced, as is the common emphasis. During the early periods of oil production, gas flaring is largely localized, and the gas utilization measures can still be implemented to good effect. However, once the facility is established, gas flaring becomes pervasive, stretching kilometers beyond the flare points. Current policies like the imposition of flare-out years on the oil producers have helped, but they have been insufficient as the intensity of gas flaring in the region continues at double the average global levels. Working with relevant stakeholders, a realistic flare-out deadline should be agreed upon, clear and specific gas flaring legislation should be drawn up that includes measures to mitigate gas flaring for each proposed oil facility, and proper data collection and management services would enable the implementation of the policies to be based on robust evidence. These policies would shift the costs of gas flaring away from the inhabitants of the region back to the operators of the facilities that are the sources of the flares.

Online Marketing Readiness of MSMEs in Indonesia: A Perspective of Technology Organizational Environmental Framework

Micro, Small, and Medium-sized Enterprises (MSMEs) play a crucial role in the economic landscape of tourism areas, offering collective services that enhance tourist experiences and convenience at destinations. One key effort to promote tourism is enhancing the technological readiness of MSMEs. This study aims to evaluate the preparedness of MSMEs to adopt e-commerce technology. Data was gathered through interviews and questionnaires distributed randomly to 184 business operators. The research utilized the Technology Organizational Environmental (TOE) framework, encompassing ten indicators identified from various sources. Data analysis was conducted using Structural Equation Modeling (SEM) with four hypotheses. The findings reveal that both organizational readiness and external environmental support have a positive impact on technology adoption readiness. Furthermore, organizational readiness significantly mediates the relationship between environmental support and technological readiness. Therefore, it is essential to develop the organizational readiness of MSMEs to facilitate the adoption of e-commerce technology.

Habits & Attitude of Householders About Solid Waste Management in Pune City

Solid waste management is one of the challenges faced by many cities. Poor solid waste management will lead to various problems in health, environment, and socio-economic aspects. Pune has been innovative in its solid waste management. To help achieve this the city has tied up with a group of marginalized women at the forefront of a campaign to clean the city. Through an agreement with the Pune Municipal Corporation (PMC), more than 3,000 women workers provide door-to-door waste collection services to over 600,000 homes in the city, The waste generators, i.e. the householders are major part of the waste management process. Their attitude and habit about the waste generated in the household and how it is handed to the municipal corporation affects the whole waste management of the city. In this study descriptive quantitative questioner was prepared by researcher. A total 708 respondents or the householder participated in this study. Results show that people are more aware about the disposal of dry waste even its is smaller part of the composition of the total waste. It also shows that there is a rational bias when it comes to peoples’ belief and their actions when it comes to recycling. Keywords: SWM, Habits of householders, Pune solid waste management

Layanan Sirkulasi untuk Program Kampus Merdeka Sebagai Kesiapan Awal Implementasi Interlibrary Loan di Perpustakaan UNIKOM

The circulation service at the UNIKOM Library is a standard service for every library, namely providing services for accessing, reading and borrowing collections to take home. The Independent Campus Program, namely the 2nd Independent Student Exchange (PMM), gives students the opportunity to study at other universities outside the island where they live or where the university is located. The university you occupy must provide the same facilities, even if you only study for 1 (one) semester, in addition to the program set by the Merdeka Campus. Previous research mostly measured user perceptions or satisfaction from internal sources regarding circulation services. This research is to find out how the circulation service is for Merdeka Campus students who are students from other campuses. How many students utilize circulation service facilities (membership up, loan/return collection services and statistics). How do circulation services work according to 2nd PMM students? The method used is descriptive, quantitative. As a result, the UNIKOM Library has provided the same facilities, namely circulation services, to all Merdeka Campus students, who used 38.77% of visits (19 people) and borrowed 32.65% (16 people). The number of 2nd PMM students was 49 people, 19 of whom used the circulation service, this was based on the receipt of UNIKOM ID Cards after 2 months of college activities. This research shows that the use of circulation services for Merdeka Campus students is considered sufficient with a percentage above 30% or more than 15 people using UNIKOM Library facilities, the rest using other facilities from the PMM-MBKM program.

Rewang sebagai Rintisan Program Kepedulian Lingkungan Berkelanjutan Berbasis Komunitas di Desa Sambilawang Kecamatan Trangkil Kabupaten Pati

This study aims to reveal how an environment-based community service program in the "REWANG" (Resik-Resik Sambilawang) program, a community service program in the field of sustainable and community-based environment in Sambilawang Village, Trangkil District, Pati Regency. "Rewang" is a real work lecture (KKN) program conducted by students of Institut Pesantren Mathali'ul Falah Pati in Sambilawang Village. The method or approach used in implementing this "Rewang" program is the ABCD (Asset Based Communities Development) method, namely asset-based community empowerment. The result of this research is that the "Rewang" program involves three main pillars of community empowerment, namely: environmental, economic and educational pillars. The Rewang program in the environmental sector includes: First, river normalization and sterilization. Secondly, the formation of the "Rewang" Team, which comes from the community of Sambilawang Village. The "Rewang" program in the economic sector is to initiate a garbage collection service team. Rewang's programs in the education sector are: Firstly, housekeeping training for students. Second, the environmental cleanliness campaign movement.

Developing a minimum data standard for student mental health services in the UK: A qualitative study with staff from university support services

AbstractObjectiveThis study is part of the Student Counselling Outcomes Research and Evaluation (SCORE) initiative that is pooling university counselling service data to improve datasets and evidence for counselling in this sector. This study aimed to explore university counselling staff views about which data should be included in a national minimum data standard (MDS) to provide evidence for counselling in the sector.MethodSemi‐structured focus groups were conducted with university counselling staff including counsellors, service leaders and mental health advisors. They explored data to include in an MDS, current data collection practices, service and sector level data collection barriers. Two researchers performed content analysis involving identifying fields for inclusion. Thematic analysis was used to identify contextual issues surrounding data collection. Ten focus groups were conducted with 41 participants across 26 university counselling services.ResultsContent analysis identified fields of information for the MDS within the categories of student characteristics, demographics, clinical assessment and service evaluation. Thematic analysis explored context and culture surrounding data collection, barriers and facilitators, institutional influence and ideal data collection practices. This highlights the need for service support and training around data collection, clear processes, and adequate IT infrastructure and staff resources.DiscussionThese findings will inform the development of an MDS as part of the SCORE study. The next stage will involve further development of the MDS and piloting in services. The longer term aim is to implement an MDS across university counselling services, enabling the growth of evidence for the sector which may allow increased funding and service provision.

Investigating the role of fiqh zakat knowledge in moderating the behaviour of the Acehnese to pay zakat digitally

Purpose The purpose of this study is to develop and assess the effects of unified theory of acceptance and use of technology (UTAUT 2) constructs – effort expectancy (EE), social influence (SI) and hedonic motivation (HM) – on behavioural intention (BI), as well as the impact of innovation resistance theory (IRT) constructs – usage barrier (UB) and tradition barrier (TB) – on innovation resistance (IR) behavior in the context of digital zakat payment in Aceh. In addition, this study also examines how knowledge of fiqh zakat influences both BI and IR. Design/methodology/approach This was a quantitative study including 350 Acehnese persons who paid zakat online. This research used a Likert scale, and the sampling technique was purposive sampling applied for the Acehnese people. The research respondents were civil servants, private employees, BUMN employees (employees of State-Owned Enterprises), merchants, restaurant owners, professionals and other occupations who had paid professional zakat through a digital system mechanism. The data were analysed using partial least squares structural equation modelling. Findings This research found that the constructs built through the theory of UTAUT 2 explained the position of the EE variable, which had a significant effect on BI. On the other hand, the variable of SI and HM did not significantly affect BI in digital zakat payment. This finding demonstrated that BI significantly influenced actual usage (AU). UB and TB had no impact on IR, according to the theoretical framework developed by IRT. Yet, the knowledge about the fiqh zakat (KFZ) significantly affected the AU. In terms of the moderation role, the KFZ variable moderated the relationship between BI and AU. However, the KFZ variable did not moderate the relationship between IR and AU. Research limitations/implications This research had limitations and could still be investigated further by involving a larger sample. This study does not include all UTAUT 2 and IRT constructs, but only involves UTAUT 2 and IRT constructs based on the phenomenon of digital zakat paying behavior in the people of Aceh. Practical implications This research had a managerial contribution and an evaluation of the use of digital zakat collection services in Aceh and zakat management institutions in various countries. The existence of significant EE should be a reference for zakat institutions to produce continuous payment applications with a higher level of convenience in the future. In addition, the government should encourage more organised fiqh zakat education in society to plan a more optimal zakat collection. The reason for this is that KFZ has been shown to moderate zakat intentions towards actual digital zakat payment behaviour. Social implications The results of this study were then accommodated by the government to design a digital zakat collection system so that it resulted in optimising the collected zakat funds. The greater the zakat funds collected, the greater the economic impact and social resilience of the community was in the midst of the post-covid and global crisis. Originality/value This research provided an essential value in the aspect of collecting zakat funds, especially in the study of the behaviour of paying zakat digitally. The theory of planned behaviour predominated in earlier studies that investigated zakat-paying behaviour. Yet, this research was even more focused as it used the constructs of UTAUT 2 and IRT theory and applied the involvement of a moderator variable like fiqh zakat knowledge that was barely discussed.

Research on households’ willingness to pay for the options of price calculation of household solid waste management services in Hanoi

This study used the contingent valuation method (CVM) to investigate and analyse the current status of household solid waste management and evaluate people’s consensus and willingness to pay (WTP) for household solid waste collection, transportation, and treatment services among urban, rural, and mountainous areas in Hanoi. It also utilised regression analysis to assess factors affecting people’s WTP. The study surveyed a sample size of 405 households. To ensure a basis for comparison among urban, rural, and mountainous areas, the study distributed and conducted an equal number of 135 surveys in each area through random sampling. The research results indicate that the average household solid waste in Hanoi is highest in urban areas at 1.27 kg/household/day, followed by rural areas at 1.21 kg/household/day, and mountainous areas at 1.067 kg/household/day. However, most household solid waste has not been classified at the source. Regarding WTP for household solid waste collection, transportation, and treatment services, the results show that 85% of urban households agreed to pay higher than the proposed price, with an average WTP of 1,136 VND/kg. In rural households, 47% agreed to pay 778.96 VND/kg, and 11% of mountainous households agreed to pay an average of 673.04 VND/kg. These insights can guide tailored waste management pricing strategies across diverse urban and rural settings.

The Relationship of Library Satisfaction with Reference Collection Services: a Study in a Higher College Library

The Relationship of Library Satisfaction with Reference Collection Services: a Study in a Higher College Library

User information needs for hybrid public transport systems in Cape Town, South Africa

Public transport information imbalances are rife in cities with hybrid systems composed of scheduled and unscheduled modes, hindering users’ ability to access mobility. Though private and public entities alike are seeking information-based technological solutions to aid users to navigate these systems, there is still little understanding of what information users need to navigate these complex hybrid systems. Particularly for captive public transport users who do not have access to private alternative means of travel, access to relevant information across all modes could enable access to information on trips that better suit their needs and preferences. Through semi-structured interviews followed by a best-worst scaling survey with captive public transport users in Cape Town, South Africa, this study investigates what information users need to plan non-routine hybrid journeys. Information needs are extensive, ranging beyond that which is publicly offered, not only on available transport services in isolation, but also across these collective services. This paper provides a method for investigating the information needs of users to enable policy makers to better align information and data strategies to support the integration of hybrid public transport systems through passenger information.

Implementing absolute cardiovascular disease risk assessment into pathology collection services.

Pathology services represent an ideal setting to integrate absolute cardiovascular disease (CVD) risk estimation when patients attend for routine cholesterol testing. This study aimed to explore the process of implementing CVD risk estimation into point-of-care service delivery by pathology staff to inform future implementation and sustainability. A new service for CVD risk estimation via a self-directed screening station was implemented into 14 pathology service sites across Tasmania, Australia. Before implementation, observations at pathology services (n = 26) and semi-structured interviews were undertaken with 26 pathology staff (88% female, 77% aged 41-60 years) to identify factors that could impact implementation of the service. The process of implementation was then evaluated using participant observations and clinical trial recruitment data. Transcripts and field notes were analysed thematically according to the Medical Research Council Framework and used to develop a programme logic model to understand how the service could be adapted to be successfully integrated into routine workflow at pathology services. Eight key themes were identified during the pre-implementation phase as important factors that could impact upon integration of CVD risk estimation into pathology services. Themes related to factors within the organisation, including available resources, logistics and workflow, as well as having sufficient time to complete the intervention. Additional factors related to the individual motivations of staff, collaborative leadership and patient characteristics. Success of implementation varied among sites, requiring the trialling of different strategies to support uptake of the service and patient recruitment. Implementing CVD risk estimation into point-of-care pathology services required an understanding of the core implementation components specific to each context, and for implementation strategies to be targeted to the individual and organisational contexts. The generated programme logic model may be useful in guiding future implementation endeavours within these services and aiding the selection of apt implementation strategies. ClinicalTrials.gov Identifier: NCT04896021, registered 19/05/2021, https://clinicaltrials.gov/study/NCT04896021.

Managing sustainable E-Waste resilient infrastructure effectively with the introduction of Smart Bin

Innovation has become an essential and inevitable factor that profoundly influences globalization and supports the prosperity of economies worldwide. Over the past few decades, one of the most common forms of innovation has been the development of electronic goods and gadgets, particularly components of the Internet of Things (IoT). These electronic goods have become indispensable in various industries, such as manufacturing, medical, telecommunication, food and beverages, and service sectors, significantly enhancing operational processes. With the increasing demand for electronic goods globally, both businesses and end users have embraced their usage extensively. However, this widespread reliance on electronic equipment has also led to a surge in electronic waste generation, posing a significant environmental challenge. Studies by Thakur (2021) have estimated that approximately 44.7 million tonnes of e-waste have been generated annually since 2016, a figure projected to rise steadily with the continuous advancement of new technologies. Malaysia produces about 365,000 tonnes of e-waste each year, prompting the need for effective e-waste management solutions. One such solution has been implemented by ERTH, a non-governmental organization (NGO), that offers convenient collection services for e-waste around the Klang Valley (Hakim, 2022). As the demand for electronic goods continues to escalate, stakeholders must recognize the environmental impact of e-waste and actively engage in sustainable e-waste management practices. The integration of innovative approaches such as ERTH's e-waste collection services can significantly contribute to minimizing the detrimental effects of e-waste on the environment hence fostering a more environmentally responsible approach towards electronic goods consumption. By promoting responsible disposal practices and embracing recycling initiatives, societies can work together to create a greener and more sustainable future.

Modern problems of plasma donation services: global experience in solving them

As an analysis of foreign literature on donation has shown, the global market for therapy with drugs from human plasma is growing, which leads to the need for large volumes. With significant geographic imbalances in the global plasma supply and the dependence of most countries on plasma supplies from the United States, the most vulnerable are low- and middle-income countries, where the challenge of meeting the demand for plasma products requires improvements to regional plasma donation systems. An effective tool for the development of plasma collection services is compliance with the standards of plasma donation services, the development of voluntary free plasma donation, and the optimization of donor recruitment and retention processes.

Information Collection and Personalized Service Strategy of Monopoly under Consumer Misrepresentation

To decrease privacy risks, consumers may choose to misrepresent themselves when they are asked to offer personal information. Using a game theoretic model, this study examines the impact of consumer misrepresentation on both a monopolistic firm and consumers. The results show that consumer misrepresentation may benefit the firm, but hurt consumers under certain conditions. In addition, we find that when the unit cost of personalized service is low, consumer misrepresentation may encourage the firm to provide a higher personalized service level. Moreover, when consumers misrepresent themselves and the firm only covers part of the market, a greater unit value of consumer private information will reduce the firm’s profit, while a greater unit cost of personalized service will increase the firm’s profit. The analysis reported here provides important insights regarding the application of consumer information in online personalized marketing and consumer privacy protection.

Co-designing a collective food service of artisanal gastronomic products with entrepreneurial university students

This paper elucidates a co-design process with entrepreneurial university students to develop a food service that deals with artisanal gastronomic products. Employing the Design Science Research methodology, the study unfolds across three distinct yet interconnected cycles: relevance, design, and rigor. This systematic approach materialized as a tangible collaborative commercial service, considering the concepts of service design and co-design in the construction of the artifact. The result of this process includes the implementation of activities with an interdisciplinary team of researchers, as well as the participation of entrepreneurs in co-design workshops. The solution is a service implemented for collective entrepreneurship for university students working around the contexts of sustainable gastronomy. The obtained findings can promote insights into new service offerings that promote sustainable gastronomy entrepreneurship in academic environments and help qualify students as entrepreneurs through co-design and service design approaches.

Redesigning Municipal Waste Collection for Aging and Shrinking Communities

Due to aging and depopulation, cities in Japan struggle to maintain their municipal waste collection services. These challenges were exacerbated by the pandemic. To overcome these challenges, a prototype of collective and contactless waste collection technology has been developed. However, its acceptance by society is unknown. In this study, we surveyed Japanese people’s preferences regarding household waste disposal. The results showed that older adults (older than 60) are willing to walk longer (more than 2 min) to carry their waste to the disposal site than younger adults. They are also less concerned about the risk of disease infection from touching other people’s garbage than younger respondents (at a 0.24 count ratio). Other significant findings are that people who live alone prefer the temporary disposal site to be placed more than one minute away from their house (at a 0.19 count ratio). People living alone also produce less plastic and packaging waste than larger households. With more Japanese older adults living alone because of the scarcity of older-adult care facilities, we proposed two waste collection strategies that can allow for the implementation of more collective and automatized contactless waste pickup technology. Each design poses different challenges, such as the need for residents’ cooperation and a higher energy supply. However, they also open new opportunities, such as encouraging active aging and using renewable energy.

Aspek Hukum Penggunaan Jasa Pihak Ketiga (Debt Collector) oleh Pihak Leasing Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor. 35 Tahun 2018 dalam Upaya Penagihan Kendaraan Roda Dua terhadap Debitur yang Melakukan Wanprestasi

The purpose of this study is to analyze the legal aspects of the use of third party services (debt collectors) by leasing parties based on Financial Services Authority Regulation No. 35/2018 in efforts to collect two-wheeled vehicles against debtors in default. 35/2018 in efforts to collect two-wheeled vehicles against debtors who make defaults The type of research in this study is normative legal research. The research in question is research that has characteristics including gaps in legal norna / principles, does not use hypotheses, uses theoretical foundations / theoretical studies and uses legal materials consisting of primary legal materials, secondary legal materials and tertiary legal materials. The results of this study indicate that: (1) The position of debt collectors in the leasing company is as a collection officer not an execution officer, execution can only be carried out by a bailiff with a court decision as in Article 32 of the Fiduciary Guarantee Law paragraph (2). The legal relationship between debt collectors (collection service companies) and creditors, namely debt collectors when carrying out their duties, act based on the power of attorney given by the finance company to the debt collector to collect or collect collateral objects from debtors. Likewise, in POJK No.35/2018 article 50 Financing Companies can cooperate with other parties to carry out collection functions to Debtors. (2) The legal consequences of withdrawing motorized vehicles against debt collectors, debt collectors will be held criminally liable and sentenced to criminal sanctions as stipulated in the Criminal Code as criminal law in Indonesia if the implementation is not in accordance with procedures, as well as the creditor in this case leasing can be sued by the debtor and ask to compensate civilly for the act of withdrawing motorized vehicles by debt collectors if the withdrawal has violated existing provisions and violated the agreement agreed upon by the creditor and the debtor. However, if the implementation is in accordance with the procedure, it must be protected in accordance with applicable laws.

How Indonesia’s Cities Are Grappling with Plastic Waste: An Integrated Approach towards Sustainable Plastic Waste Management

In Indonesia, plastic constitutes the second largest component of municipal solid waste; however, 58% remains uncollected. Most plastic recycling depends on informal sectors, accounting for only 10% of the total, leaving the remainder to potentially harm the environment. This paper analyzes how cities in Indonesia have tackled their plastic waste problems from the perspective of the integrated sustainable waste management framework. This study focuses on plastic waste management (PWM) in three cities: Bandung, Yogyakarta, and Magelang. Data were collected from 41 semi-structured interviews, a plastic waste composition data analysis, and site visits. The research outcomes include a comprehensive analysis of stakeholder roles, plastic waste flow, plastic waste composition data, and various challenges in PWM. This study identifies three main stakeholders in collecting plastic wastes: the Department of Environment as the main local government body, community-based waste banks, and private waste management companies. Most recyclable plastic waste is recovered through waste banks and private collection services. In 2022, the predominant types of plastic waste in Bandung, Yogyakarta, and Magelang City were soft plastics, thick plastics, and hard plastics, respectively. The challenges for the PWM stem from various aspects in political, legal, and institutional; environmental; financial and technical; and socio-cultural spheres. Positive trends towards an integrated system are observed, although full integration has not yet been achieved. The research recommends a multi-stakeholder cooperative approach involving municipal authorities, waste banks, and private collectors, responsive to local conditions and emphasizing sustainability aspects throughout waste management stages for a sustainable resource recycling in developing countries.