Judul: Pemodelan Risiko Kredit Menggunakan Analisis Daya Tahan (Studi Kasus: Data Kredit Motor PT. XYZ Finance)
Abstrak: Kendaraan bermotor roda dua merupakan alat transportasi yang banyak digunakan masyarakat karena harganya yang terjangkau dan fleksibel untuk digunakan. Syarat pemberian kredit yang mudah juga membuat sebagian masyarakat mengambil keputusan untuk melakukan kredit motor. Namun demikian, implikasi dari kemudahan syarat pemberian kredit ini bagi perusahaan pembiayaan dapat meningkatkan risiko kredit yang terjadi karena kegagalan debitur dalam melunasi utang-utangnya. Risiko kredit dapat diminimumkan dengan cara selektif dalam memberikan kredit. Penyusunan model adalah salah satu cara untuk mengetahui faktor-faktor yang mempengaruhi kegagalan debitur dalam memenuhi kewajibannya. Seorang debitur dikatakan macet kreditnya apabila tidak membayar angsuran dalam waktu 30 hari setelah jatuh tempo. Analisis statistika yang digunakan untuk penilaian kredit adalah analisis daya tahan. Hasil dari metode Kaplan-Meier menunjukkan bahwa penurunan fungsi daya tahan yang curam terjadi pada 10 bulan pertama, setelah itu penurunannya lebih lambat. Sementara itu, melalui regresi hazard proporsional diketahui bahwa faktor yang memberikan pengaruh paling besar terhadap durasi daya tahan debitur adalah besarnya uang muka, semakin kecil persentase uang muka yang dibayar maka semakin besar risiko untuk menjadi gagal bayar. Selain itu, jenis karakteristik debitur yang berpeluang gagal bayar antara lain debitur yang mengkredit motor bebek kelas bawah, debitur yang bekerja sebagai pedagang, debitur yang memiliki tingkat pendidikan SD, debitur yang memiliki status rumah milik keluarg
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Judul: Analisis resiko kredit UMKM dengan analisis daya tahan
Abstrak: Nonperforming loans are credit risks faced by each bank which provide credit services. The Bank implementing Credit Scoring methods in testing the customer worthiness to minimize credit risk. In general, Credit Scoring is a method of credit risk analysis aimed to assess and differentiate level of credit risk. In the field of statistics, some analysis methods commonly used to distinguish this level of credit risk including discriminant analysis, logistic regression, artificial neural networks and regression trees. Observational data, used in such methods, is the complete data or data that do not contain censored observations. Statistical method which handles problems, such as censored data is called Survival Analysis. Survival analysis is using Cox regression to identify characteristics of customers who are at risk of default, loan repayment term durability, as well as the chance the customer will experience the risk of default. In this study, characteristics that are both significantly affect a credit crunch on the third business scale is gender (X1), interest rate (X2), type of interest rates (X3), Return on Asset (X45) and business reputation (X53). Based on the value of its hazard ratio, gender differences and the interest rate is an indicator that gives cust
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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