Judul: Analisis kredit modal kerja dan pengaruhnya terhadap laba
Abstrak: Peran dan potensi Usaha Kecil Menengah (UKM) dalam pembangunan Indonesia sangat besar, namun belum dikembangkan secara optimal akibat adanya keterbatasan dalam hal permodalan. Bank Jabar sebagai Bank Pembangunan Daerah menyediakan fasilitas kredit kepada UKM, salah satunya Kredit Modal Kerja (KMK), tetapi dalam penyaluran kreditnya masih didominasi oleh kredit konsumsi.
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Judul: Analisis penilaian kinerja terhadap pengembangan karir karyawan pada PDAM tirta pakuan kota Bogor
Abstrak: Peran dan potensi Usaha Kecil Menengah (UKM) dalam pembangunan Indonesia sangat besar, namun belum dikembangkan secara optimal akibat adanya keterbatasan dalam hal permodalan. Bank Jabar sebagai Bank Pembangunan Daerah menyediakan fasilitas kredit kepada UKM, salah satunya Kredit Modal Kerja (KMK), tetapi dalam penyaluran kreditnya masih didominasi oleh kredit konsumsi. Penelitian ini bertujuan untuk menganalisis kontribusi dan pertumbuhan kredit modal kerja. menganalisis portofolio kredit modal kerja terhadap kredit yang lain, dan menganalisis strategi pemasaran dalam rangka memperluas pangsa pasar KMK. Penelitian dilakukan di BPD Jabar Cabang Cibinong. Dalam penelitian ini digunakan data primer dan sekunder. Data primer didapat dari hasil wawancara langsung dengan staf bank dan beberapa orang debitur melalui lembar pertanyaan. Data sekunder berasal dari laporan keuangan, buku tahunan, laporan badan statistik dan kepustakaan lain yang relevan dengan penelitian ini. Data yang diperoleh diolah dengan menggunakan analisis per komponen, analisis trend, analisis regresi dan matrik BCG.
Keyword: modal kerja, kredit

Judul: Phylogeography and Species Limits in the Papuan White Snake (Micropechis ikaheka) (Reptilia: Serpentes: Elapidae)
Abstrak: Papua white snake, Micropechis ikaheka, has been distingushed into two subspecies M.i. ikaheka and M.i. fasciatus. However, due to lack of data on their morphology, distribution and ecology, both subspecies often ignored in scintific discussions and refers only byas , Micropechis ikaheka. This study was designed to document the differences between M.i. ikaheka and M.i fasciatus by using scales characteristics and reproductive organ or hemipenes. The study also examine, zoogeography, habitat, diet and cannibalism of both subspecies to better understanding the the ecology of one of the most venomous snakes in the world. This study consists of three topics with method and also different in the size samples, respectively. The first study is the histology and microtopography of the skin were studied using paraffin method and Scanning Electron Microscope (SEM). The second is the hemipenis were examined by following Myers and Cadle (2003), and Zaher and Prudente (2003). The third is the abdominal surgery was carried out to document diet type and the investigate phenomenon of cannibalism in the snake. Specimens for this study came from the collection from Museum Zoologicum Bogoriense (MZB) and Universitas Negeri Papua’s Laboratory (LZU). The research result also indicated that the markers of skin and hemipenis described the same structure and microornamentation in all M. ikaheka groups being compared. Based specimens examined morphological descriptions do not s support the further differentiation in Micropechis. In short, two markers that used in this study could not sufficiently indicate the differences in the level of species and subspecies of M. ikaheka. The study, however, were able to delineate zoogeography and skin color patterns, which fall into four groups: M. i. ikaheka; M. i. fasciatus. M. i. ssp. “intermediate”; and M. i. ssp “black”. This study also revealed that color variations did not overlap in their geographic distribution. It is therefore, it suggested that environmental factors may contribute to the skin color variations. It also assumed that habitat discontinuous and biogeography factors may also cause the loss of the connection between the original populations (vicarians) or follow colonization events (dispersal). The examined of 22 stomach contents of M. ikaheka shows this species is carnivorous, and prey on vertebrates such as amphibians, fish, reptiles, and Mammals. These snakes are opportunistic predators since they prey on all that can be captured, but mainly reptiles (61.5%), followed by mammals and fish (both 15.4%), and amphibians (7.7%). Although categorized as terrestrial animal, the diet study showed that M. ikaheka snakes often go into the water to hunt for fish (the sample from Yapen island), including eel (the sample from Aru island). Based on prey items indentified, there is evidence that M. ikaheka is cannibal. At this time, there still no record on reason for cannibalism, but it is assumed that cannibalism was due to competition between populations and means to control population.
Keyword: geographic variation, white snake, papua