Judul: Analisis Faktor-Faktor yang Mempengaruhi Pertumbuhan Kredit PT Bank Rakyat Indonesia (Persero), Tbk
Abstrak: The distribution of loan is one of many activity to do function of intermediaton for economic development. This researce has three main objective that include the following is to: (1) analyse influence of internal factors such third of funds (third of funds growth), performance factors Capital Adequacy Ratio (CAR) and operating expenses ratio (OER), and risk factor Non Performing Loan (NPL) to credit (loan growth); (2) analyse influence of external factors (BI rate, inflation and kurs) to credit (loan growth). This research was conducted at PT Bank Rakyat Indonesia (Persero), Tbk with structural equation modeling (SEM). Result of research analysis is third of fund factor, performance factors dan risk factor has significant effect. Third of fund factor have a significant positive effect to loan with coefficient standard of 0.4631. Performance factors and risk factor has significant negative effect to loan with coefficient standard of -0.4325 and -0.3983. External factors have a positive significant to credit with coefficient standard of 0.4156.
Keyword: SEM, third of fund, risk, performance, loan, external

Judul: Faktor - Faktor yang Memengaruhi Penyaluran Kredit Ritel di PT Bank Raya Indonesia Tbk
Abstrak: Perkembangan kinerja penyaluran kredit ritel yang diberikan oleh Bank Raya dari tahun 2015 sampai 2020 secara umum memiliki tren yang positif. Namun, pada tahun 2021 mengalami penurunan menjadi Rp 44,5 triliun dari tahun sebelumnya sebesar Rp 58,08 triliun. Selama tujuh tahun terakhir jumlah penyaluran kredit ritel memiliki perbandingan yang sangat jauh dengan kredit menengah dimana pencapaian kredit menengah mencapai sebesar Rp 733,18 triliun sedangkan kredit ritel hanya mencapai Rp 265,45 triliun. Sementara kredit ritel memiliki jumlah debitur yang paling banyak dibandingkan dengan kredit menengah. Pencapaian jumlah debitur yang diperoleh Bank Raya pada segmen kredit ritel selama tujuh tahun terakhir mencapai 206.687 debitur sementara pada kredit menengah hanya mencapai 33.789 debitur. Tujuan dari penelitian ini yaitu menganalisis faktor-faktor apa saja yang memengaruhi penyaluran kredit ritel di PT Bank Raya Indonesia Tbk. Penelitian ini dilakukan dengan menggunakan data timeseries kuartal pertama tahun 2015 sampai kuartal keempat tahun 2021 yang berasal dari data internal PT Bank Raya Indonesia Tbk. Metode analisis data yang digunakan yaitu analisis regresi linear berganda. Adapun variabel yang diduga memengaruhi penyaluran kredit ritel di PT Bank Raya Indonesia Tbk adalah jumlah penyaluran kredit ritel, suku bunga kredit ritel Bank Raya, Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) gross kredit ritel, dan kondisi pandemi COVID-19. Hasil dari penelitian ini menunjukkan bahwa variabel Dana Pihak Ketiga (DPK) dan Capital Adequacy Ratio (CAR) berpengaruh secara positif dan signifikan terhadap jumlah penyaluran kredit ritel di PT Bank Raya Indonesia Tbk., The development of retail credit sales performance provided by Bank Raya from 2015 to 2020 generally has a positive trend. However, in 2021 it will decrease to IDR 44.5 trillion from the previous year's IDR 58.08 trillion. During the last seven years, the number of retail loans has had a very far comparison with cheap loans, where credit centers reached Rp 733.18 trillion, while retail loans only reached Rp 265.45 trillion. Meanwhile, retail credit has the largest number of debtors compared to medium credit. The total number of debtors obtained by Bank Raya in the retail credit segment for the last seven years reached 206,687 debtors, while in medium credit only reached 33,789 debtors. The purpose of this study is to analyze what factors constitute the distribution of retail credit at PT Bank Raya Indonesia Tbk. This research was conducted using time series data from the first quarter of 2015 to the fourth quarter of 2021, which was derived from internal data from PT Bank Raya Indonesia Tbk. The data analysis method used is multiple linear regression analysis. The variables that are suspected to affect retail credit at PT Bank Raya Indonesia Tbk are the number of retail loans, retail loan interest rates of Bank Raya, Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Loans (NPL) gross retail loans, and the state of the COVID19 pandemic. The results of this study indicate that the variables of Third Party Funds (DPK) and Capital Adequacy Ratio (CAR) have a positive and significant effect on the number of retail credit shipments at PT Bank Raya Indonesia Tbk.
Keyword: Bank, Credit, Multiple Linear Regression, Retail Credit

Judul: Sintesis Flavonol melalui 2’-Hidroksikalkon
Abstrak: Flavonol is a class of flavonoids commonly found in fruits and vegetables. Flavonol is very useful, especially in food sector and health. In this study, flavonol unsubstituted was successfully synthesized from an intermediate material 2’-hydroxychalcone. The 2’-hydroxychalcone was synthesized by Claisen-Schmidt condensation method between o-hydroxyacetophenone and benzaldehyde using 4 different catalysts, namely KOH 60%, solid pellet of KOH-grinding technique, BF3-Et2O, and NaH in DMF. The KOH 60% was the best catalyst, giving the highest yield (57%). Afterward, the flavonol was synthesized in 1-stage oxidation cyclization of o-hydroxyacetophenone using Algar-Flynn-Oyamada (AFO) reaction, giving 76%. The flavonol total yield from 2’-hydroxychalcone was 43%. All synthesized products were characterized by their melting points and their spectra. The success of the synthesis flavonol opens the way to synthesis of useful flavonol derivatives such as quercetin and kaempferol
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