Judul: Pengelolaan Risiko Kredit untuk Meningkatkan Peran BPR sebagai LKM pada BPR X di Cirebon
Abstrak: BPR X Cirebon is one of MFI (Microfinance Institutions) which provides capital assistance to SMEs in Astanajapura Subdistrict, Cirebon Regency. The purpose of this study are (1) to outline the factors that make BPR X Cirebon was able to maintain the value of NPL below 5 percent, (2) to analyze the credit risk value of BPR X Cirebon with quantitative calculation of Value at Risk (VaR), and (3) to analyze the credit risk management of BPR X Cirebon. The results of this study show that the BPR X Cirebon’s NPL value was below 5 percent is caused by a good financial performance was resulted from the BPR X Cirebon’s ability in managing credit risk. VaR calculation results indicate the possibility of loss which is faced by BPR X Cirebon in 2012 with a 95% confidence level is 11.62% of the outstanding total. At the 99% confidence level, the possibility of BPR X Cirebon’s maximum loss is 16.44% of the outstanding total. Credit risk management is important to reduce losses from non-performing loans. If the non-performing loans can be controlled, BPR X Cirebon can enhance its role to provide funding for SMEs.
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Judul: The  influence  of  inflation,  capital  adequacy  and  credit  problem  of  bank perkreditan  rakyat intermediation
Abstrak: BPR adalah Bank yang melaksanakan kegiatan usaha terutama ditujukan untuk melayani usaha-usaha kecil dan masyarakat di daerah pedesaan. BPR hanya mampu menyalurkan kredit 3% sampai 4% dalam skala nasional pada sektor UMKM. Krisis global tahun 2008 berdampak pada kondisi perekonomian. Bank Indonesia telah menerapkan tiga kebijakan.Pertama, kebijakan moneter dalam mengatasi peningkatan inflasi. Kedua, kebijakan dalam sektor perbankan untuk mengantisipasi keketatan likuiditas bank. Ketiga, kebijakan dalam sektor perbankan untuk mengantisipasi gagal bayar para pelaku bisnis. Tujuan penelitian ini ialah menganalisis pengaruh inflasi, capital adequacy ratio dan non performing loan terhadap loan to deposit ratio. Berdasarkan hasil penelitian dan pembahasan yang dilakukan, bahwa hasil penelitian pengaruh inflasi, rasio kecukupan modal tidak berperngaruh meskipun hasil signifikan karena pelaku usaha mengambil kredit dengan jangka pendek dan tidak memperhitungkan tingkat kesehatan bank dan kredit macet berpengaruh signifikan terhadap intermediasi likuiditas BPR secara nasional., BPR is the Bank that carries out business activities primarily intended to serve small businesses and communities in rural areas. BPR was only able to transmit credit 3% to 4% in the national scale in the sector of SMALL MEDIUM ENTERPRISES. The global crisis of 2008 had an impact on the conditions of the economy. Bank Indonesia has implemented three policies. First, monetary policy in coping with increases in inflation. Second, the policy in the banking sector to anticipate the tightness of liquidity of the bank. Third, the policy in the banking sector to anticipate the business defaulted. The purpose of this study was to analyze the effect of inflation, that based on the results of research, the influence inflation and capital adequacy ratios have no effect even though the results are significant because the businessmen take credit with short term and does not take into account the level of health of the banks and the bad credit intermediation significantly to affect the liquidity of the BPR nationally.
Keyword: CAR, inflasi, LDR, Likuiditas, NPL

Judul: Trichomonas Gallinae Penyebab Trichomonosis Pada Unggas
Abstrak: Trichomonas gallinae adalah protozoa yang bergerak aktof dengan keempat flagella yang mempunyai layar dan pada salah satu sisinya terdapat membran seperti sirip ikan yang berombak. Spesies dari genus Trichomonas ini mempunyai arti penting pada unggas, karena dapat menyebabkan infeksi pada alat pencernaan bagian atas.
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