Judul: Analisis Faktor-faktor yang Memengaruhi Tunggakan Kredit Usaha Mikro pada Swamitra Koppas Kramat Jati
Abstrak: One of the main problems of agricultural in Indonesia is the lack of financial support. The program to overcome this problem is linkage progam that link the bank and micro finance institutions or cooperative. Swamitra Koppas Kramat Jati is one of the micro finance intitutions which contribute of lending to the agribusiness entrepreneurs. This study is focused on analyzing factors that influencing micro credit arrears. Factors that influencing micro credit analysis utilises multiple linier regression analysis with data collected trough questionnaires to the debitur of micro credit agribusines Swamitra Koppas Kramat Jati. Sample to this study was 38 responden with stratified random sampling. In addition to these, results indicate that factors that significant influencing of micro credit arrears and have positive correlations are age, amount of family dependents, and factors with negative correlations are business long-term, status of business location ownership, and period of credit repayment.
Keyword: Bogor Agricultural University (IPB), agribusiness, micro credit, linkage program, Multiple liniear regression

Judul: Analisis Faktor-Faktor yang Mempengaruhi Tunggakan Kredit Usaha Rakyat (KUR) BRI Unit Ciampea Bogor
Abstrak: This research aimed to identify the characteristics of micro credit program customers based on the arrears and to analyze the influencing factors in BRI Ciampea, Bogor using regression analysis method. There were three characteristics used to analysis the factors influencing the arrears in BRI Ciampea, namely personal, business and credit characteristic. The first characteristic was personal characteristic including educational background variable, distance of the customers’ houses, number of families to support, and frequency of credit received. The second was business characteristic including business type variable, business experience, business asset, and business revenue. The third was credit characteristic including variable of credit acceptance period and credit utilization. Of ten variables, eight significantly influenced the arrears (α = 10%), i.e. educational background variable, distance of the customers’ houses, frequency of credit received, business type, business experience, business asset, business revenue, and credit utilization. BRI Ciampea should consider those influencing factors as a reference in distribuuting the credit to the customers.
Keyword: Bogor Agricultural University, variable’s factor, arrears, characteristics customers KUR

Judul: Pembuatan Film Tipis Cu2ZnSnS4 sebagai Lapisan Penyerap Cahaya pada Sel Surya Menggunakan Metode Elektrodeposisi
Abstrak: Thin film of Cu2ZnSnS4 (CZTS) is an alternative semiconductor used as light absorber layer on solar cell. CZTS can replace silicon that commonly used as commercial semiconductor. The advantage of using CZTS as absorber layer is due to the abundance of its chemical composer on earth, and its high value of absorption coefficient. The absorber layer was made by using electrodeposition method on ITO glass substrates. The films were deposited at room temperature using potentiostatic mode with a potential of –1.05 V for 30, 45, and 60 minutes. After that, the films were annealed at two different temperatures, 180 ºC and 500 °C, for 45 minutes in N2/H2S atmosphere. Based on X-ray diffraction analysis, the polycrystalline thin film obtained fall into kesterite crystal phase. This type of crystal was obtained when the CZTS was annealed at 500 °C in H2S/N2 atmosphere. The value of optical band gap energy for the CZTS thin film was 2.2 eV with the film thickness about 1.228–6.366 μm. The sample of CZTS with electrodeposition time of 45 minutes and annealing temperature of 500 °C showed the best result and in conformity with absorber layers criteria for solar cells.
Keyword: semiconductor, ITO glass, CZTS thin film, electrodeposition