Judul: Faktor-faktor yang memengaruhi keputusan debitur KUR Mikro sektor agribisnis kasus Bank BRI Unit Purbasari
Abstrak: Micro, Small and Medium Enterprises (MSMEs) of agribusiness require substantial capital to build and expand its business. Speaking of loan problem solivng, the Ministry of Cooperatives and Small and Medium Enterprises creates products People's Business Credit (KUR) Micro. KUR channeled through several banks such as Bank BRI, BNI, Bank Mandiri, Bukopin, Islamic Bank, and other regional bank. The government gives a guarantee against the risk by 70 percent while KUR remaining 30 percent is borne by the executing bank. This study shows how the decision-making process of the debtor to KUR micro agribusiness BRI. Stages of the decision-making process are problem recognition, information search, evaluation of alternatives, purchase decision, postpurchase behaviour. After that, the identified factors such as internal factors and external factors affecting the debtor 's decision in choosing KUR agribusiness Micro BRI. This study uses analysis of top two boxes to determine what factors most affect a debtor's decision in choosing products agribusiness KUR micro Purbasari BRI units. From the research, the internal factors have a stronger influence than external factors. This can be information for BRI unit Purbasari in creating a marketing strategy to get more new debtors and retain previous ones.
Keyword: top two boxes analysis, decision-making process, KUR, MSME

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: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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