Judul: Analisis Komparatif Risiko Keuangan Perusahaan Pembiayaan Berkonglomerasi dan Independen.
Abstrak: Financing industry subsector has experienced a rapid growth from year to year. Many new companies are interested in entering this sector, include independent finance company as well as those that are part of financial conglomeration. This growth raises the complexity and trigger the onset of financial conglomeration risk. This research used assets of Rp 100 billion - Rp 1 trillion over period 2009-2012 as the basis in comparing both of them. Data analysis was conducted using financial ratio measurement and Z-Score. The result shows that conglomerate finance company has better performance and lower level of risk than independent finance company because it has strong funding from other companies in their structure
Keyword: independent finance company, conglomerate finance company, financial risk, financial performance, Bogor Agricultural University (IPB)

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 Sel Surya TiO2 Tersensitisasi Dye Padat Dengan Elektrolit Polimer
Abstrak: Telah dibuat sebuah sel surya berbasis TiO2 tersensitisasi dye menggunakan ruthenium sebagai fotosensitizer. Sel surya dibentuk dengan struktur sandwich, dimana dua elektroda mengapit elektrolit polimer yang mengandung kopel redoks I-/I3 -. Salah satu elektroda, yaitu elektroda kerja berupa lapisan TiO2 pada substrat kaca berlapis bahan ITO (indium tin oxide) disensitisasi dengan dye ruthenium sebagai donor elektron dalam sistem sel surya ini. Elektroda lain berupa karbon sebagai elektroda lawan. Elektrolit gel berbasis PEG (polyethylene glycol) mengandung kopel redoks I-/I3 - digunakan sebagai pengganti elektrolit cair pada sel fotoelektrokimia. Hasil karakterisasi XRD terhadap TiO2 yang digunakan menunjukkan bahwa struktur kristal yang terbentuk yaitu anatase dan rutile dengan perbandingan masing-masing 33% dan 67% pada pemanasan 200 oC. Dye dan TiO2 yang digunakan memiliki daerah serapan cahaya masing-masing pada panjang gelombang 500 - 575 nm dan 360 – 450 nm. Sehingga sel surya ini optimal digunakan pada cahaya dengan panjang gelombang 300 - 580 nm. Berdasarkan kurva arus - tegangan (I -V) diketahui bahwa daya yang dihasilkan sebesar 0.017 mW dengan kemampuan konversi energi matahari 0,012%.
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