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: Increased Distribution Strategy People Business Credit at ABC Bank Branch Pangkalpinang
Abstrak: Micro, Small and Medium Enterprises (SMEs) have a role in the national development strategy. Due to most of the people involved in the activities of SMEs and cooperatives, both in the traditional and modern sectors. Therefore, in addition to a role in economic growth and employment also play a role in improving the welfare of society. The purpose of this study was to determine the general strategy used by Bank ABC in improving people's business credit (KUR) in Pangkalpinang. In particular, this study aims to (a) examine patterns KUR Bank ABC Branch Pangkalpinang; (b) identify and analyze internal and external factors in KUR Bank ABC Branch Pangkalpinang and (c) developing alternative business strategies for the selected priority KUR ABC Bank Branch Pangkalpinang. Research form of case studies conducted in Bank ABC Branch Pangkalpinang Bangka Belitung province. The method used is descriptive sample sampling method to address existing problems. The primary data obtained from questionnaires and interviews with the Head of Branch, Credit Managers and Department of Cooperatives and SMEs and secondary data obtained from the annual report of Bank ABC and relevant agencies or institutions such as Bank Indonesia, Central Bureau of Statistics (BPS) and others, as well as company as a kind of comparative study. The data obtained were processed using appropriate analytical tools, namely the descriptive analysis, internal and external analysis, internal-external matrix (IE), matrix Strengths, Weaknesses, Opportunities and Threats (SWOT) and Quantitative Strategic Planning Matrix (QSPM). results are descriptive and analytical study of the KUR improvement strategy at Bank ABC in Pangkalpinang found that the things that can accelerate disbursement of KUR, namely (a) KUR is a product of the Bank ABC loan ceiling to Rp500 million for small business feasible, but not bankable. Bank ABC distributed to KUR with three distribution patterns, which are channeled directly to the debtor, channeled through cooperatives, and distributed through the company's core business for plasma/target; (b) Based on the results of the calculation on an internal analysis of the factors that the credit requirements quite easily and quickly recognized as a factor The most important events and activities KUR loan process can only be done at the Branch Office (not served in branch offices) be a weak factor ABC Bank. Support local governments to KUR is an opportunity that can be achieved by the company in improving the KUR. The company also has a threat, namely regional banks that participated in the KUR; and (c) Based on the analysis of marketing strategies that have been performed using the IE Matrix, an increase KUR position at Bank ABC located in quadrant II box which is described as the area grow and build, which has the power and opportunity is greater than the weaknesses and threats, as well as Bank ABC marketing strategies to the changing environment is still relevant today. The strategy is applied in the future strategy of intensive or aggressive growth (Growth Oriented Strategy) by using force to take advantage of the opportunity, through the maintenance of the quality of service products, loan officers upgrades, networking and the development of the
Keyword: people business credit, small and medium enterprise, lending

Judul: Trichomonas Gallinae Penyebab Trichomonosis Pada Unggas
Abstrak: Trichomonas gallinae adalah protozoa yang bergerak aktof dengan keempat flagella yang mempunyai layar dan pada salah satu sisinya terdapat membran seperti sirip ikan yang berombak. Spesies dari genus Trichomonas ini mempunyai arti penting pada unggas, karena dapat menyebabkan infeksi pada alat pencernaan bagian atas.
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