Judul: Analisis perilaku pengusaha kecil menengah terhadap layanan bni phoneplus
Abstrak: ADRIANE HERLIANDARI. The Analysis of the Behavior of Small and Medium Entrepreneurs of the BNI Phoneplus Service in DKI Jakarta Area. Advised by H. Rizal Syarief as Chairman and Nora H. Pandjaitan as Member. The number of services of the BNI Phoneplus user services is fewer than that of the present customers, especially the customer of the small and medium enterprises. Besides, not all service features offered have been used by customers. Nevertheless, the BNI Phoneplus is still optimistic that the development of information technology will encourage customers to know and to utilize services of the BNI Phoneplus. The objectives of this research were (1) to study the characteristic of the BNI Phoneplus users, (2) to analyze the preference of the users, and (3) to analyze the costumer’s behavior towards the BNI Phoneplus service. The reearch was conducted at PT Bank Negara Indonesia (persero) Tbk., at the Phoneplus Service Unit of the Operational Division, located on Jl. Sudirman Kav. 1 Jakarta. Accidental sampling was used of 100 selected respondents of small and medium entrepreneurs representing Phoneplus and non Phoneplus users. The primary data were obtained from questionnaires given to respondents and the secondary data were obtained from relevant literatures. The method used was the quantitative and descriptive analysis using the multi-attributive analysis of Fishbein model. The descriptive and analytical analysis on the preference of small and medium entrepreneurs towards the BNI Phoneplus Service resulted in some factors influencing this preference, such as male respondents dominated the use of this service, age ranged from 21 to 40 years, education was Bachelor’s degree to postgraduate, and the majority work in commerce. Costumers of BNI Phoneplus Service have known this service for three to five years. Transaction through this service was done between accounts within BNI, and the reason for choosing this service was time efficiency. The results of the evaluation of the attributive service by BNI Phoneplus users had a trust score of 5.16 - 5.98, while the non BNI Phoneplus users had a trust score of 4.66 - 5.62. The evaluation of the costumer’s behavior indicated that the users had a better attitude than the non users.
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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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