Judul: Pengaruh Badan Kredit Desa terhadap perekonomian desa Margoluwih Sleman Yogyakarta
Abstrak: Badan Kredit Desa (BKD) is a finance institution stated in a village that has activities to give loans to people surrounding there with low interest rates and protect them from creditor who gives high interest rate and “ijon system” (ijon system means creditor buys rice from a farmer by paying for long before the harvest). The purpose of this research is over see how BKD has its own character and performance to strength the village economic also the influence and its impact of BKD to economical development in Margoluwih village. The research methods applied is simple regression linear analysis by calculating total amount of credit given and real village income (PAD). This credit given influence to village economical with indicator PAD.
Keyword: Bogor Agricultural University (IPB), economic growth, agency credit village

Judul: Peranan Lembaga Perkreditan Terhadap Peningkatan Usaha Masyarakat Pedesaan Di Kabupaten Tabanan Bali
Abstrak: Studi ini mengemukakan pentingnya peranan tata nilai dan kebudayaan masyarakat dalam menekan biaya-biaya transaksi pada pasar finansial di wilayah pedesaan, sehingga mampu menurunkan tingkat suku bunga riil yang dapat terjangkau oleh sebagian besar masyarakat pedesaan. Penelitian ini bertujuan untuk mengetahui peran Lembaga Desa Adat terhadap keberadaan LPD dalam menunjang pembangunan wilayah pedesaan dan peran dari Lembaga Perkreditan Desa (BPR dan LPD) terhadap peningkatan usaha ekonomi masyarakat pedesaan serta faktor-faktor yang mempengaruhi kelancaran pengembalian kredit. Lokasi penelitian yaitu Kecamatan Kediri Kabupaten Tabanan Bali dengan jumlah sampel yaitu 2 unit BPR dan 5 unit LPD yang ada di Wilayah Kecamatan Kediri dan jumlah responden 84 orang terdiri dari 20 orang nasabah BPR, 50 orang nasabah LPD dan untuk staf pengurus BPR dan LPD masing-masing diambil sampel 2 orang. Metode Analisis yang digunakan pada penelitian ini yaitu: analisis kualitatif/ deskriptif dan analisis kuantitatif. Analisis kualitatif/deskriptif terutama di fokuskan kepada analisis kelembagaan yang menyangkut perhitungan biaya transaksi meliputi informasi, pengambilan keputusan dan biaya administrasi. sedangkan analisis kuantitatif dimulai dengan menghitung pendapatan nasabah sebelum dan setelah menerima kredit. Disamping itu, analisis regresi untuk menduga faktor- faktor yang menentukan jumlah kredit yang diterima oleh masyarakat/nasabah dan untuk mengetahui faktor-faktor yang menentukan peluang kelancaran pengembalian kredit dalam model uji Limited Dependent Variabel Model (LDVM) yaitu model regresi tersensor (Model Tobit)….dst
Keyword: BPR, LPD, Ruraleconomic

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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