Judul: Penentuan Karakteristik Kelancaran Pembayaran Kartu Kredit menggunakan Metode CHAID
Abstrak: The delivery of consumptive credit by either banks or financial institutions to the right debitur is important. This is done to decrease the loss risk that might be encountered by the banks or financial institutions. CHAID (Chi-square Automatic Interaction Detector) was used in this research, as it is a classification method which generates non-binary classification tree to determine significant factors that affected customer credit payment status. The result of this research showed six from ten predictors was having association with credit status. In this case, CHAID generates 14 segments and potential segments that pointed out qualified customer with well customer payment status, the customer having the characteristics of owning credit card from other banks, has been working for more than ten years, and at least having education of undergraduate or collage (second segment). The classification accuracy table concluded thath potential customers predicted precicely by 98.6%, whereas not qualified customers predicted precicely by 9.3%. The total percentage precice prediction is 80.8%.
Keyword: Customer characteristics, CHAID method, Credit card

Judul: Analysis of Chi-square Automatic Interaction Detection (CHAID) for Segmentation and Customer Targeting to Minimize Non-performing Loan
Abstrak: Banking plays an important role in the economy because it can increase growth and development, especially in the economic sector. Bank is one of the financial institutions or companies engaged in finance that carry out various kinds of services, such as providing loans, distributing currencies, controlling currencies, as a place to store valuable objects, finance companies, etc (Limbong et al. 2010). Credit is the most important thing in bank activities, considering that the largest income of a bank is obtained from the credit sector. CHAID analysis is conducted to identify potential customer segments based on the variables that have the most significant influence to credit status. SMOTE is conducted for managing unbalanced data with 600% oversampling and 117% undersampling. Based on CHAID analysis, the characteristics that characterize the variety of credit status were the loan term, the latest education, gender, age, and loan amount with 5% significant level. CHAID analysis produced 14 segments based on the independent variable associated with the response variable which in this case the response variable is credit status with a classification accuracy of 67.9%.
Keyword: bank, CHAID, credit, market targeting, non-performing loan, segmentation, SMOTE

Judul: Korpus Luteum Persisten pada Sapi serta Beberapa Aspek Penanggulangannya
Abstrak: Korpus luteum pada ovarium terbentuk pada hari ke lima atau ke enam setelah ovulasi terjadi. Bila pada uteru tidak terjadi kebuntingan, korpus luteun dinonaktifkan oleh hormon luteolitik yaitu prostaglandin yang dihasilkan dinding uterus. Jika pada uterus terjadi kebuntingan, korpus luteum tetap bertahan pada ovarium dan berfungsi secara normal, disebut korpus luteum graviditatum. Korpus luteum graviditatum aktif pada sapi betina (erti) selama total waktu 320 hari dalan satu tahun.
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