Judul: Developing Strategy of Small Medium Enterprise (SME) Loan in XYZ Bank in Business Centre of Cipulir Market, Jakarta
Abstrak: lower for almost last five years. Its Lower SME loan realize that given by XYZ Bank compared with specified goals show the importance of the study, because from result of survey conducted by XYZ Bank to business centre got existing business XYZ Bank lower of loan market share. For that conducted analysis of SME loan to develop marketing strategy in Business Centre of Cipulir, Jakarta. The objectives of this study are : (1) Identifying potency of loan exist in Sentra Business of Market Cipulir, (2) Calculating estimation of market potency XYZ Bank of exist in Sentra Business Cipulir Market by using amount of loan given approach, (3) Identifying factors becoming elementary constraint in development of credit at Sentra Business of Market Cipulir, and also (4) Compiling of efficient and effective marketing strategy through Cluster Pattern. Business Centre in general is place gather business unit in one area geografis of business and conceived of Cluster (klaster). Cluster analysis is an technique used to classify events or target into group which is same relative by certain criteria. Survey conducted in cluster of Cipulir market with 336 responder at random. This matter to know characteristic of business in sentra. Pursuant to result of conducted analysis, obtained : (1) Potency of SME loan in Business Sentra of Market Cipulir Rp. 162 Billion, so that assessed very mean to become goals to Bank XYZ in improving or developing volume of SME loan, (2) Estimation of XYZ Bank market share in Business Sentra of Cipulir Market is very small ( 0,97%), showing to weaken market penetration and acquisition market conducted by XYZ Bank, (3) Existing constraints in the form of service, conditions of loan and guarantee constraint, (4) Strategy becoming priority to be done is through penetration and acquisition of market with Pattern of Cluster, doing activity of promotion consistenly, optimize of existing Small Business Centre and work along with BPR/KOPERASI in lending to merchant at Cipulir Market. While which must be allowed for to guarantee continuity of development SME credit is : (1) Extending network of marketing around sentra business, (2) Exploiting technological progress to increase assess to sell credit product, (3) Giving incentive to all marketing officer capable to reach goals of loan in sentra business and (4) Developing simply credit analyse model with standard conditions and accomodate cordage of guarantee of exist in sentra of the business.
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Judul: Feasibility Study and Strategy Development of “Kredit Usaha Rakyat” at PT. Bank Negara Indonesia (Persero) Tbk)
Abstrak: Small and Medium Enterprises Sector (SMEs) are considered to have contributed quite dominant in supporting economic growth in Indonesia, but the portion of credit to SMEs is still considered low, the average is 34.20% in the last three years. Especially for BNI KUR (Kredit Usaha Rakyat), per share of 9.86% in October 2010 when compared with other implementing banks. Related to the low absorptive capacity of SMEs to bank credit implies still many problems in the financing of SMEs who need to look for the threads. The purpose of this study is to analyze the behavior characteristics and SMEs as well as compliance with credit schemes/patterns of the most appropriate financing, analyzing the obstacles and constraints in the distribution of KUR BNI to the perpetrators of SMEs and to develop effective strategies to increase the share of BNI KUR. Data was collected through questionnaires distributed to the debtor at some branches of KUR BNI debtor as many as 100 people in 10 (ten) cities in Indonesia by using the services of third parties. Sampling techniques used in research is purposive sampling methods, ie deliberately selecting the studied samples as a respondent. While the secondary data sourced from documents and literature relating to the distribution pattern of KUR. The method of analysis in this study were (1) Qualitative Descriptive Analysis, (2) Chi square (𝑥2), 3) Analysis of Strength, Weakness, Opportunity and Threat (SWOT), and (4) Boston Consulting Group (BCG) Matrix. In accordance with characteristic and behaviors of SMEs are still experiencing limitations in administrative and managerial skills because the educational background that is still relatively low, the pattern of KUR is considered to be in accordance with SMEs. Until now the distribution of KUR BNI still encountering many obstacles, including lack of uniform understanding among relevant parties so that the impact on KUR absorption by SMEs. BNI specifically, the spotlight is still a lack of outlets so that the prospective debtor credit processors (especially in the area) is relatively difficult to reach the outlet of BNI. The other main obstacle is the lack of promotion of BNI in disseminating and promoting the officers in addition to processing credit KUR that still need to be added. The observations show that KUR accordance with SMEs is 84% and the states agree there is still a constraint of 79%. Both of these conditions is reinforced by Chi square test that produces a real level. Based on the SWOT analysis, which is the strength (Strength) BNI KUR are (1) Corporate Image BNI position is strong, (2) Office Network BNI widespread and adequate capital support. The weakness (Weakness) is the lack of credit processing outlets, lack of promotion and lack of processing power KUR Credit. The opportunities (Opportunities) is a market share of financing KUR, the regional autonomy policy, and government policies towards SMEs. While that is a threat (threats) is a widespread BRI outlets to the country, local government support to the BPD and the aggressiveness of BPR. Based on the above conditions, then the IE matrix which refers to the total value amounting to 3.15 matris
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Judul: Transisi Fasa Materi Hadronik ke Materi Kuark pada Inti Bintang Neutron.
Abstrak: Bintang neutron terdiri dari beberapa lapisan yang disusun oleh materi nuklir yang berbeda dengan kerapatan yang semakin tinggi ketika mendekati pusat bintang. Inti luar bintang neutron disusun oleh materi hadronik (nukleon, lepton, dan hyperon), sedangkan inti dalam bintang neutron disusun oleh kuark-kuark bebas (up, down, strange) yang saling berinteraksi. Tujuan penelitian ini adalah mempelajari bagaimana transisi dari inti luar ke inti dalam bintang neutron dengan menggunakan pendekatan RMF (Relativistic Mean Field) untuk materi hadronik dan CIDDM (Confined Isospin Density Dependent Mass) untuk materi kuark. Tekanan transisi diperoleh ketika potensial kimia barion materi hadronik dan materi kuark bernilai sama. Nilai tekanan transisi dengan parameter SU6-TM1 sekitar 87 MeV/fm3 dan diperoleh massa maksimum bintang neutron yaitu 1.92M dengan jari-jari sekitar 8.62 km. Nilai tekanan transisi dengan parameter SU6-G2 sekitar 53 MeV/fm3 dan massa maksimum bintang neutron yaitu 1.88M dengan jari-jari sekitar 8.16 km. Jenis transisi fasa adalah orde satu ditandai dengan diskontinuitas dalam kerapatan energi (adanya mixed phase). Parameter-parameter pada model nuklir yang digunakan menyebabkan perbedaan kekakuan persamaan keadaan (EOS) dari materi hadronik dan materi kuark sehingga nilai tekanan transisi dari fasa hadronik ke fasa kuark juga berbeda.
Keyword: bintang neutron, persamaan keadaan, transisi fasa