Judul: Analisis penerapan manajemen risiko dan pengaruhnya pada pertumbuhan laba Bank pemerintah di Indonesia tahun 2009-2016
Abstrak: Persaingan di dunia perbankan semakin ketat dengan munculnya berbagai risiko yang mengancam kegiatan operasional. Hal tersebut menuntut seluruh praktisi perbankan menerapkan manajemen risiko agar mampu bertahan dan berkembang. Dengan berbagai risiko yang dihadapi, Bank Pemerintah seperti BNI 46, BRI, Bank Mandiri dan BTN menghasilkan laba yang berfluktuatif hingga mengalami penurunan laba yang cukup ekstrim. Tujuan dalam penelitian ini adalah menganalisis penerapan manajemen risiko dan pengaruhnya terhadap pertumbuhan laba pada bank pemerintah dengan melihat dari rasio keuangan yang menggambarkan kesehatan dan kondisi penerapan manajemen risiko perbankan seperti Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan Deposit to Ratio (LDR), Return on Assets (ROA) dan Beban operasional terhadap pendapatan operasional (BOPO). Pengambilan contoh dalam penelitian ini menggunakan metode Purposive sampling yang bersumber dari laporan keuangan melalui website Bursa Efek Indonesia dengan menggunakan model regresi linear berganda. Hasil penelitian ini menunjukkan bahwa peubah CAR dan ROA berpengaruh secara parsial dan semua rasio yang digunakan dalam penelitian (CAR, NPL, LDR, ROA dan BOPO) memiliki pengaruh nyata secara serempak terhadap pertumbuhan laba.
Keyword: Earning Growth, Government banks, Performance, Risk Management Analysis

Judul: Analisis Pengaruh Capital, Asset, Earnings dan Liquidity terhadap Net Interest Margin pada PT Bank Rakyat Indonesia (Persero), Tbk
Abstrak: PT Bank Rakyat Indonesia (Persero), Tbk is one of the largest government-owned bank in Indonesia. Since the period of 2004-2012, Ratio of Net Interest Margin (NIM) PT Bank Rakyat Indonesia (Persero), Tbk tended to decrease. This case need to be considered because NIM is one of indicators to determine the profitability of the bank's financial performance. The bank's financial performance may be affected several aspects such as aspects of capital, asset, earnings and liquidity. Therefore, the study of financial performance analysis was conducted to determine how the Capital, Assets, Earnings and Liquidity affect the NIM. The method used is multiple regression analysis and trend analysis. The data used for this research are secondary data from financial statements. Assets (NPL) and Earnings (ROA) significant and positive impact on NIM, while Capital (CAR) and Liquidity (LDR) is not significant and negative effect on NIM.
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Judul: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4