Judul: Pengklasifikasian Kantor Cabang Pembantu (KCP) Bank X Berdasarkan Faktor Bisnis dan Hubungannya dengan Faktor Nonbisnis
Abstrak: Ketatnya persaingan di dunia perbankan khususnya di Indonesia menuntut pihak masing-masing bank untuk terus melakukan perbaikan di berbagai aspek, salah satunya adalah aspek kinerja bank. Kinerja suatu bank dipengaruhi oleh beberapa faktor yang secara garis besar dibedakan menjadi faktor bisnis dan faktor nonbisnis. Kinerja suatu bank tidak hanya ditentukan oleh kinerja bank di pusat saja melainkan juga oleh unit kerja operasional bank, salah satunya adalah Kantor Cabang Pembantu (KCP). Banyaknya KCP yang harus dipantau menyebabkan diperlukannya pengklasifikasian KCP. Pengklasifikasian Kantor Cabang Pembantu (KCP) Bank X dilakukan berdasarkan faktor bisnis menggunakan metode k-means. Hasil pengklasifikasian KCP tersebut selanjutnya digambarkan menggunakan Chernoff face. Analisis regresi logistik multinomial dilakukan untuk mengetahui pengaruh faktor nonbisnis terhadap pengklasifikasian KCP. Hasil pengklasifikasian KCP Bank X berdasarkan faktor bisnis menghasilkan lima kelompok yang semua anggota dari masing-masing kelompok menyebar di berbagai daerah, baik daerah kota maupun kabupaten. Berdasarkan tampilan wajah Chernoff dan kriteria kebaikan KCP kelompok yang relatif baik faktor bisnisnya adalah kelompok tiga, sedangkan yang kurang baik adalah kelompok dua. Terdapat lima peubah faktor nonbisnis yang berpengaruh terhadap hasil pengelompokan pada taraf nyata 20%. Peubah tersebut adalah rata-rata APBD,
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Judul: Analisis Pengaruh Dana Pihak Ketiga, Pembiayaan, dan Financing To Deposit Ratio Terhadap Laba pada Bank X KCP
Abstrak: The Bank is a major driver of economic sectors in Indonesia, therefore the bank intemediasi function is always a highlight in determining the performance of a bank. Law No. 10 year 1998 is the forerunner to the development boom of Islamic banking in Indonesia. Bank X is a subsidiary of Conventional Banks. In 2009 the Bank X in the largest market share of Islamic banking industry. With the increasing development of Islamic bank, Bank of X demanded to be able to maintain its superiority. Bank X KCP is one of the Bank X branch offices located in Bogor. As KCP, Bank X KCP also has a role in maintaining the excellence of the Bank of X, such that intermediary functioning well, that is to collect funds and channel these funds through financing. Financing can be channeled properly if the funding process can run smoothly. Because it directly affects the income of the bank, and one of the indicators to determine whether or not the intermediary function of banks can be seen from the FDR value of a bank. The purpose of this study were (1) analyze the development of DPK, financing, FDR, and profits of Bank X KCP, (2) analyze the composition of financing in the Bank X KCP, and (3) analyze the effect of DPK, financing and FDR on profits of Bank X KCP. Data used in this study are primary and secondary. Data obtained from interviews with bank management and financial statements of Bank X KCP during the year 2007 until the year 2009, data published by the BI, theses, and books related to the research. The analytical method used in this study is multiple regression analysis, principal components analysis, F test and t test. The results showed that: (1) DPK, financing, and profits have increased every year, while FDR decreased. FDR values in the year 2007 is 223.67 persen and in the years 2009 to 111.37 persen. FDR above 100 persen indicates that based on the regulations of Bank Indonesia, Bank X KCP liquidity conditions into the unhealthy category. (2) During the years 2007 to 2009, the majority of funding is channeled to the profit sharing contribution equal 89,0,7 persen, while the sale and purchase of only 9.32 persen, and the rest is financing leases is 1.61 persen. (3) The F test and t test showed that the overall and partial DPK, financing, and FDR significantly affect earnings with p-value of 0.001 with a significance level of 5 persen. And on the regression results, providing financing variables most significantly influence the amount of 1.25287 with a positive effect on profits. Real and positive influence was also demonstrated by the variable coefficient 0.535 DPK. While FDR variables negatively impact earnings with the coefficient of 0.780.
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Judul: Photosensor producing based on ferroelectric material of Ba0,5Sr0,5TiO3 doped by Ferrium Oxide (Fe2O3) on a P-Type Silicon Substate Si (100) applied as a digital camera with a single pixel image sensor
Abstrak: Thin film Ba0,5Sr0,5TiO3 (BST) doped with Fe2O3 was grown on p-type silicon substrate (100) using chemical solution deposition (CSD). It used the solvent 2-methoxyethanol with annealing temperature of 850°C and the doping treatment Fe2O3 of 2.5, 5, 7.5, 10 % of the mass formed BST. Pure BST had the highest absorption of 600 nm of light wavelength. Additions Fe2O3 moves highest absorption in the range of 560 nm. Fe2O3 addition was strengthening thin film sensitivity to the effects of light. In general, doping Fe2O3 10% was result the best absorbance and current-voltage of BST thin film. Electrical properties of thin films BST include dielectric, photoconductivity, and dissipation energy. Based on the current-voltage (I-V) analysis, pure BST and doped BST showed photodiode properties. Dielectric values obtained in the range from 23.32 to 243. Based on electrical conductivity data and energy dissipation, BST thin films have shown photodiode characteristics and are therefore suitable as light sensors. The image sensor in a digital camera is also a light sensor. This BST thin film has been scientifically proven to be a light sensor and also it can be applied as an image sensor. This is a novelty image sensor based on thin film Ba0.5Sr0.5TiO3.
Keyword: barium strontium titanate, thin film, photodiode, image sensor, digital camera