Judul: Analisis Komparatif Risiko Keuangan Perusahaan Pembiayaan Berkonglomerasi dan Independen.
Abstrak: Financing industry subsector has experienced a rapid growth from year to year. Many new companies are interested in entering this sector, include independent finance company as well as those that are part of financial conglomeration. This growth raises the complexity and trigger the onset of financial conglomeration risk. This research used assets of Rp 100 billion - Rp 1 trillion over period 2009-2012 as the basis in comparing both of them. Data analysis was conducted using financial ratio measurement and Z-Score. The result shows that conglomerate finance company has better performance and lower level of risk than independent finance company because it has strong funding from other companies in their structure
Keyword: independent finance company, conglomerate finance company, financial risk, financial performance, Bogor Agricultural University (IPB)

Judul: Analisis Komparatif Risiko Keuangan BPR Milik Pemerintah Daerah dan BPR Milik Swasta
Abstrak: As the society needs in life is increasing, a place to manage their financial aspect is needed. Everyone needs to make sure that their capital is safe, developing, and easy to use for urgent things and also could be enjoyed in their retired life. Based on that expectation, bank is challenged to give the best and excellent service according to the standard. One of banking institutions which has important role is Rural Bank to distribute the consumptive and productive credit. Samples that are uses in this research is one of Rural Bank that belongs to the government which most of its capital used for consumtive credit. And another sample is Privat Rural Bank which most of its capital is used of productive credit. The objective of this research is to identify the comparative level of identify the comparative level of financial risk in 2010, 2011, 2012. Data processing wash conducted using bank financial ratio measurement and Z-Score. It Can be seen from the result that Government Rural Bank has samller level risk because it cooperated with another government company to cut off the employee’s salary. Meanwhile the Privat Rural Bank has higher risk because of the possibility to go into liquidation in case they couldn’t pay the credit that they have received.
Keyword: Z-Score, Financial Ratio, Financial Risk

Judul: Teknik Pengemasan Vakum dan Perlakuan Panas untuk Memperpanjang Umur Simpan Tahu Putih
Abstrak: Tahu putih adalah makanan yang banyak digemari namun memiliki umur simpan yang relatif pendek karena mengandung kadar air yang tinggi yang memicu reaksi biologis penyebab kerusakan pada makanan. Penelitian ini bertujuan untuk mengetahui pengaruh lama waktu perlakuan panas dan pengemasan vakum terhadap perubahan mutu tahu putih selama penyimpanan dan menentukan umur simpannya. Penelitian ini dilakukan dengan mengemas tahu menggunakan plastik secara vakum dan tidak vakum, kemudian diberikan perlakuan panas dengan tingkatan waktu yang berbeda (30, 60, dan 90 menit), lalu disimpan selama sebelas hari pada suhu ruang. Penentuan umur simpan dilakukan dengan parameter kritis yaitu tekstur dan aroma dengan membandingkan hasil pada tahu putih rusak. Tahu putih di setiap level pada setiap perlakuan memiliki umur simpan lebih dari sebelas hari. Tahu putih terkemas vakum dengan perlakuan panas 30 dan 60 menit memiliki mutu terbaik hingga akhir masa penyimpanan. Teknik pengemasan vakum dan tidak vakum serta perlakuan panas mampu memperpanjang umur simpan tahu putih selama lebih dari sembilan hari.
Keyword: tahu putih, kemasan vakum, perlakuan panas, umur simpan