Judul: Segmentasi Nasabah dalam Pengembalian Kredit dengan Metode CHAID
Abstrak: Credit is one part of capital formation carried out by financial institutions, in this case the banks to public. Credit risk is the potential loss of consumer credit refusal or inability to pay its debts in full and on time. Customers in the level of credit risk is influenced by some variables. But in reality, too many variables that would complicate the determination level of credit risk for the bank in the future. Because of this, it is necessary to simplify the variables in a way to sort out which variables are the most significant influence. CHAID (Chi-Square Automatic Interaction Detection) method is one of method can be applied to address this problem. Results of analysis of this study is that there are four explanatory variables that are associated with the structural status of the collectability of customer. The variables are the number of installments, job, loan term, and gender. CHAID analysis produces six customer segments. From the table, it can be concluded that the classification accuracy of prediction for the current customers by 96.2% while the predictive accuracy of customer loss amounting 10.0%.
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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: Kajian etnobotani masyarakat suku marini sendawi di kawasan taman nasional Wasur, kabupaten Merauke, propinsi Papua
Abstrak: Taman Nasional Wasur (TNW) merupakan salah satu taman nasional yang terletak di Kabupaten Merauke, Papua Taman nasional ini maupakan salah satu taman nasional model, yaitu karena di dalam kawasan terdapat penduduk yang masuk dalam pengelolaan taman nasional. Masyarakat adat yang tinggal di kawasan TNW memiliki kearifan tradisional dalam memanfaatkan tumbuhan untuk kehidupan sehari-hari. Kearifan tradisional tersebut sesuai menurut pengetahuan lokal yang mereka ketahui. Hasil penelitian ini diharapkan dapat menjadi bahan masukan dalam pengelolaan Taman Nasional Wasur, Kab. Merauke, Papua. Penelitian ini dilakukan di 6 lokasi yang terdapat di dalam dan sekitar TNW yaitu kampung Ndalir (Nggawil Anim), kampung Rawa Biru, Yanggandur dan Sota (Kanume), kampung Wasur (Marori-Men Gey) dan kampung Poo (Yeinan). Waktu penetitian adalah bulan April sampai Juni 2008. Bahan yang digunakan dalam penelitian ini adalah dokumen/laporan penelitian yang telah dilakukan baik oleh pibak Balai TNW maupun oleh instansi/pihak lain, tumbuhan untuk pembuatan herbarium, dan alkohol 70%, sedanngkan alat yang digunakan adalah peta, kamera digital, kertas koran kantong plastik, sasak, tally, sheet, kuisioner, label gantung, alat tulis menulis.
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