Judul: Analisis Komparatif Tingkat Risiko Keuangan Bank Pembangunan Daerah Go-Public dan Non Go-Public
Abstrak: Pembangunan dan pertumbuhan ekonomi daerah di Indonesia tidak terlepas dari peran Bank Pembangunan Daerah (BPD) sebagai agent of regional development yang berfungsi memberikan pelayanan keuangan kepada masyarakatnya. Agar fungsi BPD dapat lebih optimal dan dalam jangka waktu yang lama, BPD perlu untuk memperhatikan tingkat risiko keuangannya. Salah satu hal yang diharapkan dapat menurunkan risiko keuangan adalah dengan menjadi BPD go-public, sebab selain harus memenuhi syarat-syarat tertentu, BPD go-public dituntut oleh berbagai pihak untuk memiliki kinerja keuangan yang baik dan memiliki risiko keuangan yang rendah. Tujuan dari penelitian yaitu untuk menganalisis perbedaan tingkat risiko keuangan antara BPD go-public dan non go-public. Sampel pada penelitian ini yaitu sebanyak 26 (dua puluh enam) BPD dengan tahun penelitian 2012-2016. Analisis data dilakukan dengan metode RGEC dan Altman’s Z-Score yang kemudian diuji dengan metode statistik Uji Komparatif. Hasil penelitian menunjukkan bahwa BPD go-public memiliki tingkat risiko keuangan yang relatif lebih rendah dibandingkan dengan BPD non go-public. Berdasarkan Uji Komparatif, tingkat risiko keuangan BPD go-public dan non go-public tidak memiliki perbedaan yang signifikan.
Keyword: Bank Pembangunan Daerah, Go-Public, Risiko Keuangan

Judul: Analisis Komparatif Risiko Keuangan BPR Milik Pemerintah Daerah dan BPR Milik Swasta
Abstrak: As the society needs in life is increasing, a place to manage their financial aspect is needed. Everyone needs to make sure that their capital is safe, developing, and easy to use for urgent things and also could be enjoyed in their retired life. Based on that expectation, bank is challenged to give the best and excellent service according to the standard. One of banking institutions which has important role is Rural Bank to distribute the consumptive and productive credit. Samples that are uses in this research is one of Rural Bank that belongs to the government which most of its capital used for consumtive credit. And another sample is Privat Rural Bank which most of its capital is used of productive credit. The objective of this research is to identify the comparative level of identify the comparative level of financial risk in 2010, 2011, 2012. Data processing wash conducted using bank financial ratio measurement and Z-Score. It Can be seen from the result that Government Rural Bank has samller level risk because it cooperated with another government company to cut off the employee’s salary. Meanwhile the Privat Rural Bank has higher risk because of the possibility to go into liquidation in case they couldn’t pay the credit that they have received.
Keyword: Z-Score, Financial Ratio, Financial Risk

Judul: Pembuatan Film Tipis Cu2ZnSnS4 sebagai Lapisan Penyerap Cahaya pada Sel Surya Menggunakan Metode Elektrodeposisi
Abstrak: Thin film of Cu2ZnSnS4 (CZTS) is an alternative semiconductor used as light absorber layer on solar cell. CZTS can replace silicon that commonly used as commercial semiconductor. The advantage of using CZTS as absorber layer is due to the abundance of its chemical composer on earth, and its high value of absorption coefficient. The absorber layer was made by using electrodeposition method on ITO glass substrates. The films were deposited at room temperature using potentiostatic mode with a potential of –1.05 V for 30, 45, and 60 minutes. After that, the films were annealed at two different temperatures, 180 ºC and 500 °C, for 45 minutes in N2/H2S atmosphere. Based on X-ray diffraction analysis, the polycrystalline thin film obtained fall into kesterite crystal phase. This type of crystal was obtained when the CZTS was annealed at 500 °C in H2S/N2 atmosphere. The value of optical band gap energy for the CZTS thin film was 2.2 eV with the film thickness about 1.228–6.366 μm. The sample of CZTS with electrodeposition time of 45 minutes and annealing temperature of 500 °C showed the best result and in conformity with absorber layers criteria for solar cells.
Keyword: semiconductor, ITO glass, CZTS thin film, electrodeposition