Judul: Faktor-Faktor yang Mempengaruhi Tingkat Pengembalian Kredit UMKM BRI unit Ciampea Bogor
Abstrak: UMKM especially in agribusiness sector is one of business sector that often be found and have a big contribution in Indonesia. However, it still can’t reflect the sector's growth has been good because it is influenced by several factors. One of that factor is how difficult to access capital through loans from financial institutions because it is considered the agribusiness sector has a high risk. This research identify the characteristic of UMKM credit debtors generally in agribusiness sector that repay their debt or have arrear payment and analyze the factors affecting UMKM credit repayment in agribusiness sector. Regression logistic method show that repayment at BRI unit Ciampea is significantly influenced by education level, number of dependent , and collateral value. Bank as a creditor has to concentrate to analyze right on target the characteristic of the debtors that notify the individual characteristic, business characteristic, and credit characteristic to decrease the number of credit arrears.
Keyword: Credit repayment, UMKM Credit, UMKM

Judul: Analisis faktor-faktor yang mempengaruhi tingkat pengembalian kredit oleh UMKM (Studi kasus Nasabah Kupedes PT. Bank Rakyat Indonesia, Tbk (Persero) Unit Cigudeg, Cabang Bogor)
Abstrak: UMKM merupakan unit-unit usaha yang menjadi mayoritas di Indonesia sehingga eksistensi dan aktivitasnya sangat menyokong perekonomian bangsa. Salah satu kelemahan UMKM ini adalah keterbatasan modal sebagai sumber pembiayaan maupun pengembangannya. Hal ini dapat dipecahkan dengan adanya bantuan kredit bank untuk membantu permodalan UMKM. Permasalahan yang sering timbul dari penyaluran kredit ini adalah banyaknya kasus penunggakan pengembalian kredit yang dapat mengganggu likuiditas dan profitabilitas bank pemberi bantuan kredit. Masalah penunggakan tersebut khususnya terkait dengan debitur UMKM karena suatu kegiatan usaha bersifat dinamis dan terkadang sulit untuk diprediksi keberhasilannya. Hal ini juga terjadi di BRI unit Cigudeg, cabang Bogor. Besarnya nilai tunggakan kredit Umum Pedesaan (Kupedes) oleh debitur UMKM yang terjadi di BRI unit Cigudeg dirasa sebagai suatu masalah bagi pihak bank karena hal tersebut juga menjadi tolak ukur penilaian kinerja dari aparat BRI unit Cigudeg khususnya yang menangani bidang perkreditan.
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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