Judul: Pengaruh Non Performing Loan, Capital adequacy Ratio, Loan to Deposit Ratio, dan Marjin Suku Bunga Terhadap Net Interest Margin (Studi Kasus: PT Bank Danamon Indonesia Tbk)
Abstrak: PT Bank Danamon Indonesia Tbk is one of the private bank which was established on July 16, 1956 in Jakarta, Indonesia. Credit which distributed to the public contain the potential losses due to low quality borrowers and uncertainly banking economic situation. Expansion of bank credit will play the interest rate in order to improve profitability, especially of interest income. The Bank should maintain a good interest rate deposits or loans that compete with other banks so that customers layalitas can be awake. Loan to deposit ratio (LDR) is the ratio of total loans to deposits. On the other hand, the bank must provide a minimum capital adequacy to protect the assets that contain or produce risk. Banks need to control the problem loans and capital controls are appropriate to minimize losses and increase profits of the bank. The purpose of this study were (1) analyze the development of Non-Performing Loans, Capital Adequacy Ratio, Loan to Deposit Ratio, the interest rate margin and net interest margin, (2) to analyze the effect of NPL, CAR, LDR, and margin interest rates to NIM, ( 3) Estimated NPL data, CAR, LDR, margin interest and NIM in the future. Data that used in this research is secondary data. The analytical method used in this study is classical assumption of regression, multiple linear regression analysis, F test, and forecasting with ARIMA method. The results obtained are: (1) During the years 2002 to 2007, the NPL is relatively increased. CAR steadily declining until the year 2008 and increased again in the year 2009. Relatively LDR was increased, the margin interest rate increased in 2002 until 2004, then declined until 2006. Margin interest rates climbed back up to the year 2009. NIM relative increase since first quarter 2002 to fourth quarter 2009, (2) NPL, CAR, LDR, margin interest rates simultaneously affect the NIM at 75.3% while 24.7% are influenced by factors outside the study. (3) Forecasting using ARIMA method produces a relatively increased NPLs, which is relatively decreased CAR, LDR relative decline, margin interest rates relative to increase and NIM is relatively increased. Managerial implications associated with the financing, banks need to increase lending to be vigilant in the community by improving credit monitoring intensively. Providing capital to bear risk assets, keeping bank liquidity remained at a safe position, is also concerned about interest rate movements that occurred in Indonesia to improve competitiveness and customer loyalty. Importance of risk management to manage risks that might arise from banking activities and minimize the losses that might occur in the future.
Keyword: 

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: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4