Judul: Kajian Perbandingan Model Credit Scoring Terhadap Data Numerik Dan Tata Kategorik Menggunakan Regresi Logistik
Abstrak: Model scoring diperlukan oleh berbagai institusi dan perusahaan untuk meningkatkan profitabilitas mereka. Model regresi logistik merupakan salah satu teknik yang sering digunakan. Penggunaan teknik ini pun menjadi populer karena memberikan kemudahan dalam interpretasi dan ketersediaan software yang dapat menanganinya. Permasalahan yang sering muncul dalam penyusunan model scoring ini adalah bagaimana memilih peubah penjelas yang akan dimasukkan ke model dan mampu mencerminkan keadaan finansial debitor. Selain itu dalam pembentukkan model terganggu dengan keberadaan data outlier dan data yang hilang (missing) pada kasus-kasus tertentu. Data-data yang ada saat ini sangat rentan terhadap noise, missing value, dan tidak konsisten. Salah satu teknik yang digunakan untuk menanganinya adalah dengan transformasi data dan reduksi data. Oleh karena itu penelitian dilakukan untuk membandingkan model scoring yang dibangun oleh nilai asli peubah penjelasnya dengan model scoring yang dibangun oleh nilai hasil diskretisasi peubah penjelasnya menggunakan metode regresi logistik. Berdasarkan perbandingannya tersebut model yang peubah penjelasnya dibangun oleh nilai hasil diskretisasi memberikan peluang untuk menghasilkan model dengan performans yang lebih baik.
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Judul: Perbandingan Metode Diskretisasi Dalam Model Regresi Logistik (Studi Kasus : Pembentukan Model Penskoran Kredit Bank X)
Abstrak: The number of KPR customers of bank X decreased since February 2012 until August 2012. Logistic regression which is used in credit scoring model is not only able to identify the significance factors but also to know the scoring value in each category of explanatory variable. The data used in credit scoring model must be categorical data. Continuous data needs to be discretized in order to get categorical data. Discretization process can use chimerge method (model I) and equal with interval method (model II). Based on logistic regression, the factors that affect the respon are sex, employment status, education, occupation, age, and income. Correct classification table, shows that model I is better to classify than model II, therefore the scorecard is made based on model I.
Keyword: scorecard, logistic regression, equal with interval, credit scoring, chimerge

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell