Judul: Faktor-faktor yang memengaruhi keputusan debitur KUR Mikro sektor agribisnis kasus Bank BRI Unit Purbasari
Abstrak: Micro, Small and Medium Enterprises (MSMEs) of agribusiness require substantial capital to build and expand its business. Speaking of loan problem solivng, the Ministry of Cooperatives and Small and Medium Enterprises creates products People's Business Credit (KUR) Micro. KUR channeled through several banks such as Bank BRI, BNI, Bank Mandiri, Bukopin, Islamic Bank, and other regional bank. The government gives a guarantee against the risk by 70 percent while KUR remaining 30 percent is borne by the executing bank. This study shows how the decision-making process of the debtor to KUR micro agribusiness BRI. Stages of the decision-making process are problem recognition, information search, evaluation of alternatives, purchase decision, postpurchase behaviour. After that, the identified factors such as internal factors and external factors affecting the debtor 's decision in choosing KUR agribusiness Micro BRI. This study uses analysis of top two boxes to determine what factors most affect a debtor's decision in choosing products agribusiness KUR micro Purbasari BRI units. From the research, the internal factors have a stronger influence than external factors. This can be information for BRI unit Purbasari in creating a marketing strategy to get more new debtors and retain previous ones.
Keyword: top two boxes analysis, decision-making process, KUR, MSME

Judul: Faktor-Faktor yang Memengaruhi Realisasi Kredit Usaha Rakyat Mikro pada Sektor Agribisnis di BRI Unit Sindang Barang
Abstrak: Kredit Usaha Rakyat (KUR) adalah kredit yang dialokasikan untuk Usaha Mikro, Kecil, dan Menengah (UMKM) yang secara ekonomi layak namun belum bankable. BRI merupakan salah satu perbankan yang berpartisipasi dalam penyaluran KUR yakni KUR Mikro dengan pencapaian jumlah realisasi terbesar. BRI Unit Sindang Barang pada tahun 2019 telah berhasil menyalurkan KUR sepenuhnya. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi realisasi KUR Mikro pada sektor agribisnis di BRI Unit Sindang Barang. Sampel pada penelitian ini sebanyak 72 debitur yang ditentukan dengan menggunakan metode stratified random sampling berdasarkan jenis usaha yang diambil secara proporsional dari total 289 debitur. Metode analisis yang digunakan adalah analisis deskriptif dan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa variabel tingkat pendidikan, pendapatan bersih per bulan, dan jumlah kredit yang diajukan berpengaruh signifikan terhadap realisasi KUR Mikro, namun tidak dengan variabel usia, jenis debitur, jenis usaha, lama usaha, dan agunan.
Keyword: KUR, pendapatan bersih, pengajuan kredit, pendidikan, realisasi

Judul: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
Keyword: