Judul: Analisis Pengaruh Tingkat Likuiditas dan Intermediasi terhadap Tingkat Profitabilitas pada PT BRI Agroniaga, Tbk
Abstrak: In the banking sector, there will be always interest conflicts between the decision to maintain liquidity and increase distribution credits to achieve the optimal profits target. The purpose of this research mainly is to analyze the impact of liquidity and intermediary level on profitability of PT BRI Agroniaga, Tbk. The indicators used are LTA and LAD ratio as the measures of liquidity level variable, LDR and LAR as the measures of intermediary level variable, and ROA, ROE, and NIM as the measures of profitability level variable. The research method used is Component based Structural Equation Modeling – Partial Least Square. The results show that both of liquidity and intermediary level have significant positive effect on bank profitability
Keyword: profitability, liquidity, intermediary

Judul: Analisis Pengaruh Capital, Asset, Earnings dan Liquidity terhadap Net Interest Margin pada PT Bank Rakyat Indonesia (Persero), Tbk
Abstrak: PT Bank Rakyat Indonesia (Persero), Tbk is one of the largest government-owned bank in Indonesia. Since the period of 2004-2012, Ratio of Net Interest Margin (NIM) PT Bank Rakyat Indonesia (Persero), Tbk tended to decrease. This case need to be considered because NIM is one of indicators to determine the profitability of the bank's financial performance. The bank's financial performance may be affected several aspects such as aspects of capital, asset, earnings and liquidity. Therefore, the study of financial performance analysis was conducted to determine how the Capital, Assets, Earnings and Liquidity affect the NIM. The method used is multiple regression analysis and trend analysis. The data used for this research are secondary data from financial statements. Assets (NPL) and Earnings (ROA) significant and positive impact on NIM, while Capital (CAR) and Liquidity (LDR) is not significant and negative effect on NIM.
Keyword: 

Judul: Karakteristik Anatomi Skelet Kepala Buaya senyulong (Tomistoma schlegelii).
Abstrak: Buaya sepit atau senyulong (Tomistoma schlegelii) merupakan jenis buaya asli Indonesia yang berhabitat di sungai-sungai Sumatera, Kalimantan, dan juga pedalaman Sulawesi. Salah satu ciri khas buaya senyulong adalah bentuk moncong yang runcing dan sempit, namun hingga saat ini informasi mengenai struktur skelet kepala buaya senyulong sangat terbatas. Penelitian ini bertujuan untuk mempelajari karakteristik anatomi skelet kepala buaya senyulong yang dikatikan dengan fungsi dan perilakunya. Penelitian dilakukan secara eksploratif dengan melakukan pengamatan, pencatatan, dan pengambilan gambar dari skelet kepala buaya senyulong. Skelet kepala berukuran panjang 70 cm, lebar 29 cm, dan tingggi 17 cm dengan permukaan kasar pada os nasale, os frontale, os maxilla, os mandibula, os lacrimale, os jugale. Jumlah gigi pada buaya ini sebanyak 78 buah, terdiri dari 4 buah gigi premaxila, 16 buah gigi maxila, dan 19 buah gigi mandibula. Pada regio orbitalis ditemukan dua pasang fenestrae temporales yang berkembang baik. Fenestra supratemporale merupakan lubang oval yang membentang di sepanjang os parietale. Fenestra infratemporale berbentuk segitiga dan dibatasi oleh os squamosum, os postorbitale, os jugulare, dan os quadratum. Os mandibula hewan ini mempunyai symphysis mandibularis yang panjang yaitu garis yang melintang di corpus mandibulae. Secara fungsional ukuran symphysis mandibularis berkaitan dengan adaptasi hewan terhadap diet makan.
Keyword: kepala, moncong, Tomistoma schlegelii