Judul: Analisis Faktor-Faktor yang Mempengaruhi Tunggakan Kredit Usaha Rakyat (KUR) BRI Unit Ciampea Bogor
Abstrak: This research aimed to identify the characteristics of micro credit program customers based on the arrears and to analyze the influencing factors in BRI Ciampea, Bogor using regression analysis method. There were three characteristics used to analysis the factors influencing the arrears in BRI Ciampea, namely personal, business and credit characteristic. The first characteristic was personal characteristic including educational background variable, distance of the customers’ houses, number of families to support, and frequency of credit received. The second was business characteristic including business type variable, business experience, business asset, and business revenue. The third was credit characteristic including variable of credit acceptance period and credit utilization. Of ten variables, eight significantly influenced the arrears (α = 10%), i.e. educational background variable, distance of the customers’ houses, frequency of credit received, business type, business experience, business asset, business revenue, and credit utilization. BRI Ciampea should consider those influencing factors as a reference in distribuuting the credit to the customers.
Keyword: Bogor Agricultural University, variable’s factor, arrears, characteristics customers KUR

Judul: Faktor-Faktor Yang Memengaruhi Realisasi Kredit Usaha Rakyat (KUR) di BRI  Unit Kramat Jati
Abstrak: Kredit Usaha Rakyat (KUR) merupakan program pemerintah yang bergerak pada bidang pembiayaan yang diperuntukan bagi usaha kecil, mikro, dan menengah (UMKM) yang usahanya layak namun tidak memiliki agunan yang cukup sesuai dengan persyaratan yang ditetapkan oleh perbankan. BRI Unit Kramat Jati merupakan salah satu bank yang menyalurkan KUR. Penelitian ini bertujuan untuk mendeskripsikan karakteristik debitur dan menganalisis faktor-faktor yang memengaruhi realisasi KUR pada sektor agribisnis di BRI Unit Kramat Jati. Metode yang digunakan dalam penelitian ini adalah analisis regresi linear berganda dengan jumlah responden berjumlah 65 orang. Berdasarkan hasil penelitian dapat diketahui bahwa karakteristik yang dimiliki oleh setiap debitur berbeda-beda. Hasil regresi linear berganda didapatkan bahwa usia nasabah, laba bersih, dan nilai agunan memiliki nilai yang signifikan terhadap besaran nilai realisasi KUR selain itu variabel usia nasabah dan lama usaha memiliki nilai koefisien negatif., Kredit Usaha Rakyat (KUR) is a government program engaged in financing that is intended for Usaha Kecil, Mikro, dan Menengah (UMKM) whose business is feasible but does not have sufficient collateral by the requirements set by banks. BRI Unit Kramat Jati is one of the banks that distribute KUR. This study aims to describe the characteristics of the debtor and analyze the factors that influence the realization of KUR in the agribusiness sector at BRI Unit Kramat Jati. The method used in this study is multiple linear regression analysis with the number of respondents amounting to 65 people. Based on the results of the study, it can be seen that the character possessed by each debtor is different. The results of multiple linear regression found that age, net income, and collateral value are significantly affect the amount of KUR realization. In adition, the coefficient of age and length of business have negative value.
Keyword: Agribusiness, Kredit Usaha Rakyat (KUR), UMKM

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