Judul: Dampak Penyaluran Kredit Mikro dan Permasalahan Moral Hazard UMKM di BPR XYZ Kabupaten Tasikmalaya
Abstrak: Micro, Small, and Medium Enterprises (MSMEs) have significant contribution to Indonesian economy. Most of them have limited capital access to expand their business. Rural bank (BPR) as one of MFIs have potential to distribute credit with less requirement. Rural bank (BPR) faces moral hazard problems from MSMEs that could threaten its financial sustainabilities. This study analyzed the impact of credit from rural bank (BPR) to development of MSMEs based on business turnover indicator by OLS (Ordinary Least Square) method, while factors that affect MSMEs to conduct moral hazard was analyzed by logistic regression. The analysis showed that credit from rural bank (BPR) had positive influence and increased MSMEs business turnover about 70.88% per year. Factors that affected the development of the business turnover were education, loans, benefits, years of business, and number of employees. Meanwhile, factors that affected MSMEs to conduct moral hazard were dummy of having credit from bank, frequency of loan, savings, and distance to rural bank.
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Judul: Efektivitas Penyaluran Kredit Usaha Mikro, Kecil, dan Menengah (UMKM) Sektor Agribisnis Nasabah BRI Unit Ciampea Bogor
Abstrak: Micro, small, andmedium enterprises (MSMEs) is one area of business that has the potential to increase economic growth and national development. Lack of capital was one of the factors that constraint the development of MSMEs. Bank is a financial institution that can help people to overcome limitations with loan capital in the form of credit. The purpose of this study was analyze the system, effectiveness, and effect of credit to MSMEs income. Observations and interviews were conducted with 45 respondents as BRI Unit Ciampea agribusiness customers with proportional method and purposive sampling. The result was credit distribution shows effective assessment based on the trend of increasing credit funds and the proportion of the number of customers agribusiness sector in 2010-2012 as well as the percentage of credit arrears and NPL respectively 2.16 and 3.65 were still in ideal conditions for bank finance. In addition, changes in revenue and income respondents after receiving loans increased respectively by 27.51% and 28.25% from the previous. Changes in the amount of revenue and income that the respondent has exceeded estimates change that revenue and income of respondents increased 20% every year.
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Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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