Sinergy of Working Capital and Intellectual Capital to the Creation of Profit as the Source of Local Revenue (An Emphirical Study at BPR in West Java in 2012-2016)

Abstract

In the Regional Revenue and Expenditure Budget (APBD) there is a Pendapatan Asli Daerah (PAD). This revenue is derived from the efforts of the Local Government of Tk II to exploit / exploit regional assets such as natural resources or to set aside financial wealth in the form of business capital by establishing a business unit in order to obtain the results of dividends or returns on income as part of revenue (original) and used for regional development. The Government of Tk II established the Rural Bank (BPR) as a business unit by setting aside some of the assets in the form of business capital.As an empirical study selected PD BPR located in West Java whose establishment and ownership by Local Government Level II in West Java Province include PD BPR Garut, PD BPR kota Bandung, PD BPR Sumedang.The data sources used are secondary data sources through the publication of information by financial authorities such as Bank Indonesia or the Financial Services Authority (OJK) as well as primary data sources through direct monitoring to the object of research and through the sending and answer questionnaire, the data examined covering the year 2012 – 2016.The research method is survey method by using quantitative research method to get past or current data for decision making.

Keywords: Employee productivity 3 PD BPR and Pendapatan Asli Daerah (PAD)