Judul: Evaluasi Kinerja Lembaga Keuangan Mikro Swamitra Mina Dengan Pendekatan Balance Scorecard (Studi Kasus di Kabupaten Bantul, Yogyakarta
Abstrak: To overcome the problem of coastal community poverty, since 2001, the Directorate of Coastal Community Empowerement Ministry of Marine Affairs and Fisheries developed the Coastal Community Economic Empowerment. The main activity of this program is to distribute the Productive Economic Fund (PEF) to the coastal community groups using the revolving fund scheme. Since the Bad Debt Ratio (BDR) was high, started 2004, the PEF has function collateral to the Bukopin Bank under Swarnitra Micro Finance scheme. The study was done in Bantu1 District, Yogyakarta to evaluate the performance of this institution, , with main objectives are (1) to analysis the performance of Swamitra Milla Micro Finance using Balanced Scorecard (BSC) Approach; (2) to define the score of the Swamitra Mina Micro Finance Institution (MFI) criteria using BSC; (3) to analysis the affectivity of Swamitra Milla as the alternative MFI for coastal community. The data analysis includes: (a) MFI analysis using BSC approach; (b) the value of micro finance; (c) the efectivity analysis of the existence of Swamitra Mina based on community perception especially in credit mechanism, amount, duration, the interest rate, etc. The study showed that in 2006 - 2007, the financial ratio fulfilled the minimun IFAD standard. The Ratio of RKO, RKK, ROA and arrears in 2006 were 180,37%, 159,66%, 4,7%, 1,41% respectively and in 2007 were 220,9%, 202%, 10,6 1% and 2,6% respectively. Based on the debitur perspective, the highest custolller satisfaction score after sale aspect is 3,94 on the average and the average customer satisfactioil indcxs is 3,5. The result of the perpective analysis in internal bussiness process showed that the time duration of the credit process suited to the standard time (3 days on the average) and the precise target to the coastal community was 96%. Based on the lesson and the growth perspective, the quality of human resources increased through the various training and manager sertification. The scoring criteria of the MFI performance evaluation showed that the financial perspective score was the highest (52%) contributed by financial report sub criteria (35%) with performance indicator report of profit and deficit (1 7,5%) and the balance report (17,5%). The average of customers satisfaction index to evaluate the MFI efectivity was 3,53 meaning that the MFI was effective. The increasing number of debitor, and also the amount of credit and saving during the year of 2006-2007 indicated that the existence of MFI may functioned as the alternative institution to serve the capital for the the coastal community.
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Judul: Prospek Pemasaran dan Strategi Pengembangan Lembaga Keuangan Mikro Swamitra Mina di Kabupaten Cirebon
Abstrak: The research aimed to study performance of PEMP (Pemberdayaan Masyarakat Ekonomi Pesisir). Both two models LKM (Lembaga Keuangan Mikro) and non LKM have been evaluated in marketing aspect, expansion strategy, institutional and perception of KMP (Kelompok Masyarakat Pesisir), and impact of program to the level of earnings of coastal area communities. Objectives at research including : (1) to study marketing system of LKM Swamitra Mina to know from KMP of how far they can exploit available product or facilities; (2) to identify external factor (Opportunities and Threats) and internal factor (Strengths and Weaknesses) that can influence business of LKM Swamitra Mina; (3) to formulate strategy of LKM Swamitra Mina to expand their business.. The analysis method of this study are 1) the descriptive method was used in collecting the data of LKM Swamitra Mina profile and DKP (Departemen Kelautan dan Perikanan); they are market prospect, financial statement, volume of trading, earnings and cost, 2) Analysis of SWOT (Strengths, Weaknesses, Opportunities and Threats) and Internal – External (IE) matrix, 3) visualization data in the radar and bar chart. The result of institutional analysis on LKM and non LKM showed that the management on LKM was run professionally compared to non-LKM. The standpoint of increasing the economy of coastal society on LKM is through bankable finance institution. On the other hand non-LKM is treated as grant; the status of LKM is a cooperation since 2004 while non-LKM is society-built. Based on the SWOT analysis, LKM Swamitra Mina is prospective and potencial micro finance institution in Kabupeten Cirebon. The most appropriate strategy is focus on marketing strategy through socialization and create any programs to help customer.
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Judul: Infeksi Virus Parainfluenza Pada Anjing
Abstrak: Virus parainfluenza anjing termasuk famili Paramyxoviridae, berbentuk pleomorf dengan ukuran bervariasi (bergaris tengah antara 100-500 nm), berpembungkus peka ether, berisi genom RNA dan secara serologis mempunyai kesamaan dengan virus SV-5 kera; dikenak sebagai salah satu kausa penting dari sindrom "kennel cough". Infeksinya dapat mengenai anjing semua umur yang belum pernah terinfeksi atau mendapatkan vaksinasi mengakibatkan gejala klinis ringan yang terbatas pada traktus respirasi atu infeksi yang secara klinis tidak memperlihatkan gejala nyata. Gejala klinis yang nampak setelah masa inkubasi (1-5 hari) terlewati berupa batuk yang tidak berat selama beberapa hari, berbagai tingkat tonsilitis dan pharyngitis dan kadang-kadang ditemukan kenaikan temperatur rektal antara 1-2 derajat C dari temperatur normal rat-rata. Anjing terinfeksi mengandung virus pada traktus respirasi bagian atas dan bawah serta limfonoduli sampai hari ke 9 setelah infeksi. Penyebaran virus antar anjing terjadi secara aerogen.
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