Judul: Faktor-Faktor yang Mempengaruhi Pengembalian Kredit Usaha Rakyat (Studi Kasus PT. Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Hayam Wuruk)
Abstrak: Kredit Usaha Rakyat or KUR is help the government is program to develop entrepreneur (UMKM) business. PT. Bank Rakyat Indonesia (Persero) Tbk Branch Offices Hayam Wuruk is one of distribute loan (KUR). The purpose of this research are analyze of Factors that influence the repayment and loan’s impact on revenue in BRI branch office Hayam Wuruk agribusiness sector . Methods used in this research are regression logistic, profits distribution and T Test. The results of research that : (1) oldest debtors will return loans on scheduly than youngest debtors (2) debtors have a family has few greater opportunities do credit repayment schedule than many debtors have a family (3) debtors who has twice received credit facility having opportunities more performing than debtors who first accept loan.
Keyword: Kredit Usaha Rakyat (KUR), Factors that influence the repayment

Judul: Faktor-faktor yang Memengaruhi Pengembalian Kredit Usaha Rakyat di Bank BRI Unit Pasar Mawar, Bogor
Abstrak: Penelitian ini bertujuan untuk mengidentifikasi karakteristik debitur Kredit Usaha Rakyat (KUR) berdasarkan faktor-faktor apa saja yang memengaruhi pengembalian kredit. Lokasi penelitian ini di BRI Unit Pasar Mawar yang terletak di Jl. Dr. Semeru No.23, Bogor Tengah. Sample yang digunakan sebanyak 38 responden yang terdiri dari debitur lancar dan debitur menunggak. Metode penentuan sample menggunakan Stratified Random Sampling. Metode analisis yang digunakan yaitu analisis regresi linier berganda dengan data tahun 2015. Karakteristik yang berbeda antar debitur lancar dan menunggak yaitu pada lama usaha, pendapatan bersih usaha dan penggunaan dana kredit. Debitur menunggak pada umumnya memiliki lama usaha kurang dari dua tahun, pendapatan usaha kurang dari tiga juta dan penggunaan dana kredit kurang dari 50 persen. Hasil analisa menunjukan faktor-faktor yang berpengaruh signifikan terhadap pengembalian KUR yaitu tingkat pendidikan, frekuensi penerimaan kredit dan penggunaan dana kredit. Faktor lain seperti jumlah anggota keluarga, lama usaha, jenis usaha, pendapatan usaha, jangka waktu dan nilai agunan tidak signifikan pengaruhnyaterhadap pengembalian kredit.
Keyword: pemanfaatan kredit, regresi linier, tunggakan

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