Judul: Analisa sikap terhadap perilaku pengusaha UKM pada pelaksanaan kredit program kemitraan BNI di Sentra Kredit Kecil (SKC) Cabang Bogor
Abstrak: The objectives of the research are to analyze some factors considered by a small enterprises to access banking facility, to analyze the influence of the attitude toward the behavior of small and medium enterprises in Kredit Program Kemitraan BNI, to analyze the product image of Kredit Program Kemitraan BNI from the point of view of a customer opinion and a businessman point of view, to arrange some market segmentation strategies for Kredit Program Kemitraan BNI. The result of research showed that the factor influenced businessman in making relationship with banking were as follows: time effectiveness, privacy, accessibility, low interest rate, transaction, the safety of the money, service excellent and business consultation, accessibility easiness. The research results showed that from 100 respondents of small and medium enterprises, there are 58 of them answered with very positive attitude, 21 of them answered with positive attitude, 18 of them answered neutral and 3 of them answered negatively. However, based on product image analysis, Kredit Program Kemitraan BNI did not meet BNI’s expectation.The market segmentation strategies implementation expected by BNI, are related to product by product focus, related to price by keeping low interest rate, and related to distribution by looking for good location, deregulation and procedure, and related to promotion by advertising.
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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: Hydroxyapatite-Chitosan Composite Coating on Stainless Steel 316 to Improve Corrosion Resistance
Abstrak: Metals that were used in bone implantation should have good corrosion resistance that were not easily corroded when implanted into the body. Metal corrosion resistance of stainless steel 316 can be enhanced through the metal coating by hydroxyapatite-chitosan composite with composition ratio of hydroxyapatite (gram) and chitosan 3% (mL) 0.2:0, 0.2:0.1, 0.2:0.5, 0.2:1.0, and 0.2:1.5. Besides improving the corrosion resistance of metal, the presence of chitosan also maintain the position of hydroxyapatite on metal surfaces. Corrosion resistance increases with increasing amount of chitosan added and the best composition of hydroxyapatite-chitosan composite was 0.2:1.0.
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