Judul: Proses Pelayanan dan Tingkat Kepuasan Debitur Terhadap Mutu Produk dan Pelayanan Kredit (Kasus Kredit Wirausaha di Bank BNI)
Abstrak: Credit BEC (BNI entrepreneurs credit) bi credit line up to IDR 500 million given for productive business in the form of working capital credit and investment credit with duration of maximum credit up to 5 (five) year. BEC as of small credit product of Bank BNI which is relative still just its marketing and implementation in field, once in a while still meeting constraint related to sigh from debtor. To maintain has been reached and increased excellence to compete it with conspecific product in other bank, hence PT BNI (Persero) Tbk especially Small Business Center unit have to comprehend and gets input from their consurner about satisfaction of debtor to quality of product and service which has been given till now. As step of look after their consumers hence company must be identify desire and consumer hopes to quality of service yielded by it. One of way which can be gone through is with measuring level of satisfaction of consumer through questionnaire propagated. Purpose of this study is identify service process of BEC, analyzes relation between service process and level satisfaction of debtor to product and quality of service of BEC, analyzes level of satisfaction of product debtor would and quality of credit service, and analyzes relation between service process and level of satisfaction of debtor to quality of product and service of BEC in Small Business center of PT BNI (Persero) Tbk. Based on result of importance performance analysis, attribute which included in quadrant I (Main Preference), by consumer is considered to be important attribute, but in its implementation not optimal, has not as according to hope, for example between of officer acts in giving suggestion and solution to debtor (5), officer periodically contacts debtor, either visit and also via phones to ask development of business (8), Amenity reach location (19). Based on correlation test result rank Spearman, proven that service process correlates high significant (p<0,01) with level of satisfaction of debtor. Correlation also shows direction which are positive (r, = 0,729), mean increasingly good processed service done by Bank BNI, hence excelsior level ofsatisfaction felt by debtor. This thing also strengthened from value CSI equal to 1% with the meaning level of total mstomer satisfaction in between spread 0,51- 0,65 meaning consumers feels enough satisfying to service performance of BEC.
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Judul: Strategi Pengembangan Penyaluran Program Kredit Usaha Rakyat pada Bank BNI di Wilayah Kabupaten Karawang
Abstrak: Bank is a financial institution as required by the community in need of funds either for consumption or for the benefit of developing a business. To maintain has been reached and increased excellence to compete it with nonspecific product in other bank, hence bank BNI especially Small Credit Unit (UKC) Karawang and Cikampek have to comprehend and gets input from their consumer about satisfaction of debtor to quality of product and service which has been given till now. Purpose of this study is identify service process of BPC, analyzes relation between service process and level satisfaction of debtor to product and quality of service of BPC, analyzes level of satisfaction of product debtor would and quality of credit service, and analyzes relation between service process and level of satisfaction to quality of product and service of BPC in bank BNI UKC Karawang. Based on result of strengthened from value CSI equal to 0.773 with the meaning level of total customer satisfaction in between spread 0.660-0.800 meaning consumers feels satisfying to service performance of BPC Program. Result of importance performance analysis (IPA) is obtained average performance level or value of the service process 3.820 with a scale of 5 which states that the quality of BPC credit services at bank BNI UKC Karawang and UKC Cikampek is good. While the level of interest or satisfaction debtor is 3.516, which is important for the debtor or satisfied. Broadly seen that the performance of services bank BNI UKC Karawang and UKC Cikampek given in accordance with what is expected debtor. Correlation between the service and the level of satisfaction significant (p <0.05) and the positive direction (rs = 0.453), indicating the better the service performed by the bank, the higher the level of satisfaction felt by the debtor. Thus, the process of performance improvement services to the debtor not only increases the satisfaction of the debtor, but also benefits the bank because it affects the level of satisfaction of the bank debtor’s loyalty. SWOT analysis results indicate the total score factor analysis of strategic internal and external strategic factors total score for a total score of IFAS = 2.944 and = 2.983 obtained EFAS that the development strategy of the IE matrix shows that the position of bank BNI UKC Karawang and UKC Cikampek stability growth. Strategy of growth through horizontal integration, the strategy adopted the dissemination of information to the public SMEs, increasing unit dealer network BPC, and human resources development. Strategic stability can be reached without changing the strategic direction established by bank BNI.
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Judul: Infeksi leucocytozoon Smithi (Laveran dan Lucet, 1905) pada kalkun
Abstrak: Leucocytozoon smithi adalah parasit darah yang menyebabkan leucocytozoonosis pada kalkun, dan termasuk dalam genus Leucocytozoon yang perkembangan skizogoninya terja- di dalam sel-sel endotel dan sel-sel parenkhim hati, jan- tung, ginjal dan organ-organ lain dari unggas. Genus ini menghasilkan skizon yang besar. Gametogoninya terjadi di dalam sel-sel darah dan sel yang terinfeksi dapat berubah bentuk dan mengambil bentuk kumparan. Parasit ini tidak menghasilkan pigmen dan ditularkan oleh lalat penghisap darah dari genus Simulium. Infeksi kalkun terjadi pada saat sporozoit masuk ke dalam peredaran darah dan selanjutnya masuk ke dalam sel- sel parenkhim hati. Siklus hidupnya mirip dengan siklus hidup L. simondi seperti yang diuraikan di bawah ini. Skizogoni yang terjadi di dalam hati menghasilkan skizon hepatik. Skizon hepatik dewasa menghasilkan merozoit dan sinsitia. Merozoit dari skizon hepatik memasuki eritroblas dan eritrosit dan membentuk gametosit bulat, sedangkan sinsitianya dapat masuk ke dalam sel-sel RES dan kemudian membentuk megaloskizon. Megaloskizon dewasa menghasilkan merozoit yang kemudian masuk ke dalam limfosit dan leukosit lain membentuk gametosit memanjang. Gametositgametosit ini akan menjadi makrogametosit dan mikrogametosit. Perkembangan parasit dalam tubuh vektor (Simulium), segera dimulai setelah vektor menghisap darah kalkun yang mengandung gametosit ini. Dalam tubuh vektor ini akan ter- jadi pembuahan makrogamet oleh mikrogamet (tahap gametogoni). Dari pembuahan ini dihasilkan zigot yang bergerak (ookinet). Ookinet akan masuk dinding usus vektor untuk memulai tahap sporogoni yang menghasilkan sporozoit. Sporozoit ini akan menuju ke kelenjar ludah dan dari sini dapat dipindahkan lagi ke tubuh kalkun pada saat vektor menghisap darah. Vektor untuk L. smithi adalah S. occidentale, S. nigroparvum, S. slossonae, S. nigritarse. L. smithi berbahaya, terutama bagi kalkun-kalkun muda. Mortalitasnya dapat mencapai 90 persen. Gejala klinis yang ditimbulkannya antara lain anorexia, lemas dan cenderung untuk duduk, kekurusan dan kelemahan, sesak nafas dan in- koordinasi dan terjungkal terlihat pada stadium akhir dan selanjutnya kalkun mengalami coma kemudian mati…dst
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