Judul: Analisis penerapan manajemen risiko dan pengaruhnya pada pertumbuhan laba Bank pemerintah di Indonesia tahun 2009-2016
Abstrak: Persaingan di dunia perbankan semakin ketat dengan munculnya berbagai risiko yang mengancam kegiatan operasional. Hal tersebut menuntut seluruh praktisi perbankan menerapkan manajemen risiko agar mampu bertahan dan berkembang. Dengan berbagai risiko yang dihadapi, Bank Pemerintah seperti BNI 46, BRI, Bank Mandiri dan BTN menghasilkan laba yang berfluktuatif hingga mengalami penurunan laba yang cukup ekstrim. Tujuan dalam penelitian ini adalah menganalisis penerapan manajemen risiko dan pengaruhnya terhadap pertumbuhan laba pada bank pemerintah dengan melihat dari rasio keuangan yang menggambarkan kesehatan dan kondisi penerapan manajemen risiko perbankan seperti Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan Deposit to Ratio (LDR), Return on Assets (ROA) dan Beban operasional terhadap pendapatan operasional (BOPO). Pengambilan contoh dalam penelitian ini menggunakan metode Purposive sampling yang bersumber dari laporan keuangan melalui website Bursa Efek Indonesia dengan menggunakan model regresi linear berganda. Hasil penelitian ini menunjukkan bahwa peubah CAR dan ROA berpengaruh secara parsial dan semua rasio yang digunakan dalam penelitian (CAR, NPL, LDR, ROA dan BOPO) memiliki pengaruh nyata secara serempak terhadap pertumbuhan laba.
Keyword: Earning Growth, Government banks, Performance, Risk Management Analysis

Judul: Analisis Pengaruh Capital, Asset, Earnings dan Liquidity terhadap Net Interest Margin pada PT Bank Rakyat Indonesia (Persero), Tbk
Abstrak: PT Bank Rakyat Indonesia (Persero), Tbk is one of the largest government-owned bank in Indonesia. Since the period of 2004-2012, Ratio of Net Interest Margin (NIM) PT Bank Rakyat Indonesia (Persero), Tbk tended to decrease. This case need to be considered because NIM is one of indicators to determine the profitability of the bank's financial performance. The bank's financial performance may be affected several aspects such as aspects of capital, asset, earnings and liquidity. Therefore, the study of financial performance analysis was conducted to determine how the Capital, Assets, Earnings and Liquidity affect the NIM. The method used is multiple regression analysis and trend analysis. The data used for this research are secondary data from financial statements. Assets (NPL) and Earnings (ROA) significant and positive impact on NIM, while Capital (CAR) and Liquidity (LDR) is not significant and negative effect on NIM.
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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