Judul: Analisis Gerombol k-rataan untuk Segmentasi Nasabah Pengguna Kartu Kredit Studi Kasus Bank "XXX"
Abstrak: Nowadays, the number of credit card customer and provider has increasing. It makes the competition among providers tighter. Customer characteristic which is different between each other, make credit card provider give different promotion to hold their customers. One of method in customer relationship management is k-means cluster analysis. In this method customer divide into a group based on their similar characteristic. Data in this research show bank "XXX" credit card use transaction record in any merchants. The result of this research tells that there are two groups of customer. Characteristic of the first group is total transaction 64 million a year, and the other group is 56 million a year. The other characteristic of group 1 are age between 34 years and 42 years, occupation BUMN/BUMD, education Bachelor and saving deposit between 1 milion and 10 milion. Group 2 characteristics are age between 34 years and 42 years, occupation non-PNS/BUMN/BUMD, education High School and saving deposit less than 1 milion. The promotion strategy that could give to the customer is discount the thr related group.
Keyword: multiple correspondence analysis., k-means cluster analysis, credit card

Judul: An Analysis of Demographic, Motivation, Attitude and Personality Factors Associated with the Ownership, the Use and the Payment of Credit Card
Abstrak: Credit card as the method of payment in the new economic era, provides convenience, acceptance for payment anywhere, including shopping centers, hotels, restaurants and can be accepted in various places around the world, because the credit card is considered to be more practical and safe (less cash). The purposes of this study were (1) to analyze factors related to the ownership of credit card; (2) to analyze factors related to the use of credit card; (3) to analyze factors related to the credit card payment; (4) to analyze factors related to the probability of default; (5) to formulate marketing strategies to make the credit card industry to be more competitive, higher profits, and lower risk. The data were collected from the employees/workers in eight large companies based in Jakarta. Stratified random sampling was employed to select the 300 respondents. The main variables in this research were (a) ownership, (b) the use, (c) payment, (d) payment failure, demographic variables (age, gender, marital status, number of family members, education, occupation, and income) and psychographics (motivation, attitude and personality). The result shows that factors related to the ownership of credit card (Y1) were age, education, occupation, income, and motivation. Factors that related to the use frequency of credit card (Y2) were the marital status, number of family members, director level, income up to Rp 10 million and personality. Factors that related to the value in credit card transactions (Y3) were the age, manager and director level, income more than Rp 5 million up to Rp 10 million and personality. Factors that related to payment (Y4) were sex, supervisor and manager level, income more than Rp 3 million up to Rp 5 million, income up to Rp 10 million, motivation, attitude, and personality. Factors related to the payment failure (YD) were the marital status and motivation. Managerial implications based on the combination of marketing strategies and risk management. The implications of the combination model are a brief description diagrammatic about various things that need to be done or accommodated in the implementation of marketing strategies and risk management. In general, the model divided into three parts, namely a bank, company, and the employees who work in the company. The basic concept of the company is to provide the welfare for employees, while the basic concept of the bank is to expand the market and minimize the risk of credit problems. Based on the concept, there will be cooperation between both parties. Each party has rights and obligations that must be obeyed and implemented so that the final goal of all parties can be achieved.
Keyword: Kartu Kredit, Perilaku Konsumen, Demografi, Psikografi, Regresi Logistik, Kepemilikan Kartu Kredit, Penggunaan Kartu Kredit, Perilaku Pembayaran, Risiko Gagal Bayar, Kredit Bermasalah, Non Performing Loan, Credit Cards, Demography, Consumer Behavior, Consumer Behavior, Logistic Regression, Credit Card Ownership, Credit Card Usage Purposes, Payment Behavior, Non Performing Loan, Analisis thurstonian, Metode Thurstonian, Focus Group Discussion (FGD), Default Risk

Judul: Inaktivasi virus avian influenza (AI) dengan penambahan formalin konsentrasi bertingkat sebagai salah satu cara pembuatan vaksin AI inaktif
Abstrak: Direktorat Jendral Kesehatan dan Bina Produksi Ternak (2004) mengemukakan bahwa penanganan virus Avian Influenza dapat ditempuh melalui program vaksinasi dan depopulasi. Vaksin merupakan bahan biologis yang berasal dari mikroorganisme yang dapat merangsang pembentukan kekebalan terhadap penyakit. Penelitian bertujuan untuk mengetahui metode inaktivasi virus Avian Influenza (Al) sebagai salah satu cara pembuatan vaksin Al inaktif. Inaktivasi dilakukan dengan pemaparan virus Al oleh larutan formalin. Konsentrasi formalin yang dipergunakan adalah 0,1%, 0,2%, 0,3%, 0,4% dan 0,5%. Isolat virus Al berasal dari Laboratorium Virologi IPB yang ditumbuhkan pada media telur embrio tertunas (TET) umur 10 hari. Titer virus diuji dengan uji Haemaglutinasi (HA) sebelum dan sesudah inaktivasi, yaitu pada satu jam setelah inaktivasi, setiap hari selama satu minggu, dan setiap minggu selama satu bulan. Keamanan formalin sebagai bahan penginaktif diuji dengan memupuk suspensi virus pada TET. Hasil penelitian menunjukkan suspensi virus dengan sumber cairan alantois maupun embrio memiliki titer awal yang sama yaitu 2 haemaglutination unit (HAU). Inaktivasi selama 1 jam oleh formalin konsentrasi 0,5%, suspensi virus asal cairan alantois mengalami penurunan tertinggi hingga titer virusnya menjadi 2 HAU sedangkan suspensi virus asal embrio titer virusnya menjadi 2 HAU. Penurunan titer virus seiring dengan besarnya konsentrasi formalin yang ditambahkan. Sumber virus suspensi embrio memiliki waktu penyimpanan yang lebih lama dilihat dari penurunan titer virus yang lebih perlahan. Pembiakan virus yang diinaktivasi dengan formalin pada semua konsentrasi ditelur ayam berembrio menunjukan bahwa virus yang telah diinaktivasi tidak tumbuh pada pupukan tersebut. Hal ini menunjukan bahwa virus telah mati akibat pemaparan formalin.
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