Judul: Analisis Perbandingan Kinerja Keuangan Bank BUMN dengan Bank Non- BUMN
Abstrak: The banking industry is a very tight and competitive industry. It is seen from total assets ratings of commercial banks in 2011, BUMN banks have 36.35% market share of total assets. 8 Bank besides BUMN bank with 30% of market share is Non-BUMN Bank group. Intense competition in the banking industry makes should be able to keep and improve its financial performance as one of the factors that can be trusted by investors and third parties to determine their financial decisions. The purpose of this study is to analyze the financial condition of the BUMN Bank and Non-BUMN bank and to analyze whether there is a significant difference at the specified financial ratios (CAR, NPL, ROA, ROA, LDR) and “kinerja” variable to look at the overall performance among both bank group. Analysis Tools that are used are independent sample t-test and Mann-Whitney for the “Kinerja” variable by using SPSS software. The results obtained by BUMN bank financial condition is better than Non-BUMN bank. To test the results of independent sample t-test is obtained CAR (0.377), NPL (0.383), ROA (0.102), LDR (0.644) indicates a value greater than 5% significance level (α = 0.05) so that there is no significant difference between BUMN bank and Non-BUMN bank. The results of the test variable ROA (0.028) and “Kinerja” (0.019) is smaller than the significance level of 5% (α = 0.05) so that there is a significant difference between BUMN and Non-BUMN bank.
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Judul: Analisis Perbandingan Kinerja Keuangan Bank Syariah dan Bank Konvensional
Abstrak: This study was aimed to compare banking performance between Bank Syariah Mandiri with 4 conventional banks for 2006-2009 period. Banking performance analysis based on financial ratio which depends on CAR, NPL/NPF, ROA, ROE, NIM/NOI, LDR/FDR, and BOPO. They was used to prove whether there is a significant difference between conventional banking performance and that of Islamic bank and to find difference inter banks performance. This study shows that BSM is relatively superior in CAR, ROE, LDR/FDR, NIM/NOI, and BOPO ratios with significant value
Keyword: Financial Ratio, Performance banking comparison, Islamic Bank

Judul: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4