Judul: Developing Strategy of Small Medium Enterprise (SME) Loan in XYZ Bank in Business Centre of Cipulir Market, Jakarta
Abstrak: lower for almost last five years. Its Lower SME loan realize that given by XYZ Bank compared with specified goals show the importance of the study, because from result of survey conducted by XYZ Bank to business centre got existing business XYZ Bank lower of loan market share. For that conducted analysis of SME loan to develop marketing strategy in Business Centre of Cipulir, Jakarta. The objectives of this study are : (1) Identifying potency of loan exist in Sentra Business of Market Cipulir, (2) Calculating estimation of market potency XYZ Bank of exist in Sentra Business Cipulir Market by using amount of loan given approach, (3) Identifying factors becoming elementary constraint in development of credit at Sentra Business of Market Cipulir, and also (4) Compiling of efficient and effective marketing strategy through Cluster Pattern. Business Centre in general is place gather business unit in one area geografis of business and conceived of Cluster (klaster). Cluster analysis is an technique used to classify events or target into group which is same relative by certain criteria. Survey conducted in cluster of Cipulir market with 336 responder at random. This matter to know characteristic of business in sentra. Pursuant to result of conducted analysis, obtained : (1) Potency of SME loan in Business Sentra of Market Cipulir Rp. 162 Billion, so that assessed very mean to become goals to Bank XYZ in improving or developing volume of SME loan, (2) Estimation of XYZ Bank market share in Business Sentra of Cipulir Market is very small ( 0,97%), showing to weaken market penetration and acquisition market conducted by XYZ Bank, (3) Existing constraints in the form of service, conditions of loan and guarantee constraint, (4) Strategy becoming priority to be done is through penetration and acquisition of market with Pattern of Cluster, doing activity of promotion consistenly, optimize of existing Small Business Centre and work along with BPR/KOPERASI in lending to merchant at Cipulir Market. While which must be allowed for to guarantee continuity of development SME credit is : (1) Extending network of marketing around sentra business, (2) Exploiting technological progress to increase assess to sell credit product, (3) Giving incentive to all marketing officer capable to reach goals of loan in sentra business and (4) Developing simply credit analyse model with standard conditions and accomodate cordage of guarantee of exist in sentra of the business.
Keyword: 

Judul: Increased Distribution Strategy People Business Credit at ABC Bank Branch Pangkalpinang
Abstrak: Micro, Small and Medium Enterprises (SMEs) have a role in the national development strategy. Due to most of the people involved in the activities of SMEs and cooperatives, both in the traditional and modern sectors. Therefore, in addition to a role in economic growth and employment also play a role in improving the welfare of society. The purpose of this study was to determine the general strategy used by Bank ABC in improving people's business credit (KUR) in Pangkalpinang. In particular, this study aims to (a) examine patterns KUR Bank ABC Branch Pangkalpinang; (b) identify and analyze internal and external factors in KUR Bank ABC Branch Pangkalpinang and (c) developing alternative business strategies for the selected priority KUR ABC Bank Branch Pangkalpinang. Research form of case studies conducted in Bank ABC Branch Pangkalpinang Bangka Belitung province. The method used is descriptive sample sampling method to address existing problems. The primary data obtained from questionnaires and interviews with the Head of Branch, Credit Managers and Department of Cooperatives and SMEs and secondary data obtained from the annual report of Bank ABC and relevant agencies or institutions such as Bank Indonesia, Central Bureau of Statistics (BPS) and others, as well as company as a kind of comparative study. The data obtained were processed using appropriate analytical tools, namely the descriptive analysis, internal and external analysis, internal-external matrix (IE), matrix Strengths, Weaknesses, Opportunities and Threats (SWOT) and Quantitative Strategic Planning Matrix (QSPM). results are descriptive and analytical study of the KUR improvement strategy at Bank ABC in Pangkalpinang found that the things that can accelerate disbursement of KUR, namely (a) KUR is a product of the Bank ABC loan ceiling to Rp500 million for small business feasible, but not bankable. Bank ABC distributed to KUR with three distribution patterns, which are channeled directly to the debtor, channeled through cooperatives, and distributed through the company's core business for plasma/target; (b) Based on the results of the calculation on an internal analysis of the factors that the credit requirements quite easily and quickly recognized as a factor The most important events and activities KUR loan process can only be done at the Branch Office (not served in branch offices) be a weak factor ABC Bank. Support local governments to KUR is an opportunity that can be achieved by the company in improving the KUR. The company also has a threat, namely regional banks that participated in the KUR; and (c) Based on the analysis of marketing strategies that have been performed using the IE Matrix, an increase KUR position at Bank ABC located in quadrant II box which is described as the area grow and build, which has the power and opportunity is greater than the weaknesses and threats, as well as Bank ABC marketing strategies to the changing environment is still relevant today. The strategy is applied in the future strategy of intensive or aggressive growth (Growth Oriented Strategy) by using force to take advantage of the opportunity, through the maintenance of the quality of service products, loan officers upgrades, networking and the development of the
Keyword: people business credit, small and medium enterprise, lending

Judul: Transisi Fasa Materi Hadronik ke Materi Kuark pada Inti Bintang Neutron.
Abstrak: Bintang neutron terdiri dari beberapa lapisan yang disusun oleh materi nuklir yang berbeda dengan kerapatan yang semakin tinggi ketika mendekati pusat bintang. Inti luar bintang neutron disusun oleh materi hadronik (nukleon, lepton, dan hyperon), sedangkan inti dalam bintang neutron disusun oleh kuark-kuark bebas (up, down, strange) yang saling berinteraksi. Tujuan penelitian ini adalah mempelajari bagaimana transisi dari inti luar ke inti dalam bintang neutron dengan menggunakan pendekatan RMF (Relativistic Mean Field) untuk materi hadronik dan CIDDM (Confined Isospin Density Dependent Mass) untuk materi kuark. Tekanan transisi diperoleh ketika potensial kimia barion materi hadronik dan materi kuark bernilai sama. Nilai tekanan transisi dengan parameter SU6-TM1 sekitar 87 MeV/fm3 dan diperoleh massa maksimum bintang neutron yaitu 1.92M dengan jari-jari sekitar 8.62 km. Nilai tekanan transisi dengan parameter SU6-G2 sekitar 53 MeV/fm3 dan massa maksimum bintang neutron yaitu 1.88M dengan jari-jari sekitar 8.16 km. Jenis transisi fasa adalah orde satu ditandai dengan diskontinuitas dalam kerapatan energi (adanya mixed phase). Parameter-parameter pada model nuklir yang digunakan menyebabkan perbedaan kekakuan persamaan keadaan (EOS) dari materi hadronik dan materi kuark sehingga nilai tekanan transisi dari fasa hadronik ke fasa kuark juga berbeda.
Keyword: bintang neutron, persamaan keadaan, transisi fasa