Judul: Analisis pelayanan kredit dan perkembangan usaha Bank Perkreditan Rakyat : Studi kasus di PD Bank Pasar Kabupaten Daerah Tingkat II Magelang
Abstrak: Masalah-masalah yang dihadapi PD Bank Pasar adalah tidak memiliki keunggulan kompetitif dalam hal suku bunga kredit yang ditawarkan, mempunyai angka kredit macet yang tinggi dan tidak mengasuransikan kreditnya ke lembaga asuransi manapun. Tujuan penelitian adalah mempelajari mekanisme dan prosedur pelayanan kredit Bank Pasar, mendeskriptifkan usaha Bank Pasar dalam menekan dan menangkal resiko kemacetan kredit, mempelajari kebijakan perkreditan Bank Pasar, serta menganalisis perkembangan usaha Bank Pasar. Penelitian dilakukan di PD Bank Pasar Kabupaten Dati II Magelang dengan metoda studi kasus. Sumber dana kredit didominasi oleh deposito, dengan pangsa sekitar 75%. Prosedur perkreditan yang sederhana dan pelayanan yang cepat merupakan kiat Bank Pasar dalam menghadapi persaingan dan usaha modifikasi teknis-formal perbankan menjadi teknis informal perbankan. Portofolio kredit Bank Pasar secara sektoral dibagi menjadi Kredit Pasar, Kredit Umum dan Kredit Karyawan. Portofolio kredit yang demikian adalah usaha bank untuk menyebar resiko menurut sektor usaha debitur.
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Judul: Profil Nasabah dan Kebijaksanaan Pemasaran PD. Bank Pasar Pemda Dati II Kabupaten Magelang
Abstrak: Penelitian ini dilakukan dengan metode studi kasus PD. Bank Pasar Pemda Dati I1 Kabupaten Magelang. Data yang digunakan ialah data primer dan sekunder, baik data kualitatif maupun data kuantitatif. Data profil nasabah diambil secara acak dari data perusahaan dengan tetap memperhatikan prinsip-prinsip kerahasiaan bank. Hasil penelitian ini menunjukkan bahwa nasabah sumber dana utama PD. Bank Pasar ialah nasabah deposito, yang sebahagian besar berdomisili di Kotamadya Magelang dan Mertoyudan.
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Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell