Judul: Strategi Pengembangan Produk Berkartu Dalam Rangka Meningkatkan Fee Based Income Di Pt. Bank 'X'(Persero)
Abstrak: Penetapan diferensiasi tersebut harus diikuti pula dengan penggantian merek, serta penetapan target pasar yang spesifik. Penetapan target pasar selain captive market yang sudah ada juga dilakukan berdasarkan segmentasi psikografi yaitu terhadap masyarakat yang menginginkan kemudahan dalam melakukan pembayaran terutama atas pembelian barang/ pesanan makanan melalui telepon dari rumah, atau atas jasa yang diperoleh dalam aktivitas sehari hari seperti membayar bahan bakar kendaraan, ongkos taksi, bis, parkir dan lain-lain. Untuk mendukung strategi pengembangan produk tersebut maka langkah yang paling mendesak adalah meningkatkan keandalan sarana dan prasarana pendukung seperti perekrutan tenaga ahli produk berkartu dan tenaga operasional card center yang berkualitas, pelatihan bagi petugas operasional baik di kantor cabang maupun di card center, peningkatan monitoring ATM, melakukan aliansi strategis dalam penggunaan ATM dengan bank pesaing, penyempurnaan perangkat lunak, serta standarisasi pengoperasian sistem back office di kantor-kantor cabang. Langkah berikutnya adalah melakukan pembentukan jaringan kerjasama dalam bidang merchant untuk fasilitas belanja dengan dompet elektronik terutama kerjasama untuk pengadaan reader machine. Dari hasil penelitian ini dapat disimpulkan bahwa pengembangan produk berkartu Bank 'X' khususnya Kartu ATM sangat tergantung kepada penyiapan sarana dan prasarana pendukung yang memadai. Target pasar berupa nasabah penabung Bank 'X' yang sudah ada (captive market) pada dasarnya cukup potensial, namun dengan fasilitas kartu yang masih terbatas dan bersifat me too product, maka jelas Kartu ATM Bank 'X' sulit diharapkan untuk mampu menjadi pemenang di pasar mengingat bank pesaing akan selalu melakukan inovasi-inovasi dalam produknya. Dengan demikian, perlu disusun strategi pengembangan produk yang sesuai dengan keinginan nasabah dan kondisi internal Bank 'X' dengan cara menciptakan diferensiasi produk dan target pasar yang spesifik dan belum dikembangkan oleh pesaing. dst....
Keyword: Manajemen Produksi Dan Operasi, Fee Based Income

Judul: Career Development Strategies in the Implementation of Talent Management Credit Card Sales PT Bank X Region Office Jakarta
Abstrak: Salah satu produk perbankan yang semakin bertumbuh dan bersaing di tengah persaingan bank serta perubahan gaya hidup adalah kartu kredit. Sebagai salah satu bank penerbit kartu kredit, Bank X berharap dapat meningkatkan transaksi kartu kredit perusahaan sebesar 9-11% di tahun 2020. Untuk mewujudkan hal tersebut dan mengungguli persaingan dengan kompetitor, salah satu indikator penting yang memengaruhi adalah kemampuan sales kartu kredit. Penelitian ini bertujuan untuk melakukan pemosisian talenta yang memudahkan perusahaan untuk memberi strategi pengembangan karir yang tepat. Penelitian terbatas pada sales kartu kredit tiga area di Bank X wilayah Jakarta yaitu area Bogor, Tebet, dan Sudirman. Analisis data menggunakan analisis korelasi kanonik, statistika deskriptif dan pemosisian talenta menggunakan matriks Human Asset Value (HAV). Hasil penelitian menjelaskan bahwa berdasarkan analisis korelasi kanonik, terlihat hubungan yang kuat antara kompetensi dengan kinerja. Berdasarkan matriks HAV, sales kartu kredit tersebar di 3 posisi yaitu 5 orang di posisi Future Star, 19 orang di posisi Exceptional Professional, dan 13 orang di posisi Incosistent Performer. Strategi pengembangan karir yang dapat diterapkan yaitu program retensi SKK, training, coaching, mentoring, goal setting, job enlargement, serta pemberian motivasi dan apresiasi., One of the banking product that is grow and compete in the midst of bank competition and lifestyle change is credit card. As one among many bank that publishs credit cards, Bank X hopes to increase it’s credit card company’s transaction by 9-11% in 2020. To actualize and surpass competitors in credit card product, important indicator that influences is the capability of credit card sales. This study aims to mapping talent that makes company easy to provide appropiate career development programs. This research is limited to the sales credit card in three areas which are Bogor, Tebet, and Sudirman area. The analysis method used canonic correlation, descriptive statistics and Human Asset Value (HAV) matrix. The research result showed that according to canonical correlation analysis there is a strong correlations between competencies and performances. And in the HAV Matrix of credit card sales have spread in 3 positions, which are 5 people in Future Star, 19 in Exceptional Professional, and 13 people in Incosistent Performer. Career developpment strategies that can be applied are SKK retensions, training, coaching, mentoring, goal setting, job enlargement, motivations, and appreciations.
Keyword: competencies,, credit card sales, HAV matrix, performances

Judul: DNA Extraction and Characterization of Salmonella‟s Lytic Bacteriophage Genome
Abstrak: Bacteriophages are ubiquitous in nature and are known to proliferate wherever their bacterial hosts exist. Their virion particles can exist independently outside the host, however all phages are need their host to propagate. Several phages are highly specific to host cell surface receptors and any slight changes in structure results in little or no interaction between the phage and its host. Salmonella‟s phage isolated from sewage water where their bacteria exist. Three isolated of phages (phages 15, 19 and 38) were used in this research that concentrated using three types of methods. PEG/ NaCl method was firstly used to concentrate the phages based on their molecular weight to precipitate the phage particles during centrifugation. The second method was Scraping Plaque method. In this method, overlay plaques were scraped and collected in SM buffer to get phage concentrates. Enrichment method was the last method used to concentrate the phages. Phage genome isolation was done using two methods i.e. EDTA/SDS and Proteinase K methods. The first method was done using DNase I to eliminate bacterial DNA followed by SDS/EDTA treatment to release phages DNA and phenol-chloroform-isoamyl alcohol to extract the DNA. DNA was collected by isopropanol extraction. While in Proteinase K method, bacterial DNA was eliminated by DNase I and Proteinase K/SDS was used to degrade phages capsids and ethanol for DNA precipitation. The result showed that PEG/NaCl method resulted the highest phage concentration for phage 15 and phage 19, while scrapping method was the highest for phage 38. The quantity and purity of extracted DNA were low for PEG/NaCl and Scraping methods, while Enrichment method was higher indicated higher purity. Run on agarose gel electrophoresis of extracted DNA confirmed that Enrichment method results were the best while scraping and PEG/NaCl method was appeared smear background. Based on DNA genome size determination, the bacteriphages of Salmonella sp were comparable with other study of Salmonella phages. Phage P15 with genome size of 39,5 kb was close to phage epsilon15. Phage P19 with genome size of 41 kb was close to phage ST160. And phage P38 with genome size of 48,5 kb was close to phage Gifsy-1.
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