Judul: Feasibility Study and Strategy Development of “Kredit Usaha Rakyat” at PT. Bank Negara Indonesia (Persero) Tbk)
Abstrak: Small and Medium Enterprises Sector (SMEs) are considered to have contributed quite dominant in supporting economic growth in Indonesia, but the portion of credit to SMEs is still considered low, the average is 34.20% in the last three years. Especially for BNI KUR (Kredit Usaha Rakyat), per share of 9.86% in October 2010 when compared with other implementing banks. Related to the low absorptive capacity of SMEs to bank credit implies still many problems in the financing of SMEs who need to look for the threads. The purpose of this study is to analyze the behavior characteristics and SMEs as well as compliance with credit schemes/patterns of the most appropriate financing, analyzing the obstacles and constraints in the distribution of KUR BNI to the perpetrators of SMEs and to develop effective strategies to increase the share of BNI KUR. Data was collected through questionnaires distributed to the debtor at some branches of KUR BNI debtor as many as 100 people in 10 (ten) cities in Indonesia by using the services of third parties. Sampling techniques used in research is purposive sampling methods, ie deliberately selecting the studied samples as a respondent. While the secondary data sourced from documents and literature relating to the distribution pattern of KUR. The method of analysis in this study were (1) Qualitative Descriptive Analysis, (2) Chi square (𝑥2), 3) Analysis of Strength, Weakness, Opportunity and Threat (SWOT), and (4) Boston Consulting Group (BCG) Matrix. In accordance with characteristic and behaviors of SMEs are still experiencing limitations in administrative and managerial skills because the educational background that is still relatively low, the pattern of KUR is considered to be in accordance with SMEs. Until now the distribution of KUR BNI still encountering many obstacles, including lack of uniform understanding among relevant parties so that the impact on KUR absorption by SMEs. BNI specifically, the spotlight is still a lack of outlets so that the prospective debtor credit processors (especially in the area) is relatively difficult to reach the outlet of BNI. The other main obstacle is the lack of promotion of BNI in disseminating and promoting the officers in addition to processing credit KUR that still need to be added. The observations show that KUR accordance with SMEs is 84% and the states agree there is still a constraint of 79%. Both of these conditions is reinforced by Chi square test that produces a real level. Based on the SWOT analysis, which is the strength (Strength) BNI KUR are (1) Corporate Image BNI position is strong, (2) Office Network BNI widespread and adequate capital support. The weakness (Weakness) is the lack of credit processing outlets, lack of promotion and lack of processing power KUR Credit. The opportunities (Opportunities) is a market share of financing KUR, the regional autonomy policy, and government policies towards SMEs. While that is a threat (threats) is a widespread BRI outlets to the country, local government support to the BPD and the aggressiveness of BPR. Based on the above conditions, then the IE matrix which refers to the total value amounting to 3.15 matris
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Judul: Strategy for Increasing People's Business Credit Portfolio Post Covid-19 Pandemic (Case Study at PT Bank Syariah Indonesia. Tbk Bekasi Area)
Abstrak: Usaha Mikro, Kecil, dan Menengah (UMKM) mempunyai peranan penting dalam pertumbuhan perekonomian suatu bangsa. Berdasarkan data KEMENKOP, terdapat 195.553 UMKM di kota dan kabupaten Bekasi. Perbankan mempunyai peran yang signifikan dalam pengembangan sektor ini di Indonesia. Bank Syariah Indonesia (BSI) merupakan lembaga keuangan syariah yang menawarkan pembiayaan melalui program Kredit Usaha Rakyat (KUR). Namun portofolionya saat ini lebih kecil dibandingkan bank konvensional. Oleh karena itu, diperlukan rencana untuk meningkatkan nilai portofolio KUR di PT BSI, Tbk. Metode penelitian menggunakan kombinasi pendekatan kualitatif dan kuantitatif. Tujuan penelitian ini adalah untuk menilai status terkini usaha mikro, kecil, dan menengah (UMKM) penerima kredit melalui program Kredit Usaha Rakyat (KUR) dari PT. BSI, Tbk di Area Bekasi. Penelitian ini bertujuan untuk menganalisis portofolio KUR PT. BSI, Tbk di Area Bekasi dan memberikan strategi untuk meningkatkan portofolio KUR di wilayah yang sama. Penelitian ini menggunakan data primer dan sekunder. Data primer dikumpulkan langsung dari responden terpilih melalui penggunaan kuesioner, wawancara, dan diskusi kelompok terfokus (FGD). Data sekunder diperoleh melalui kajian komprehensif terhadap sumber literatur, serta mengakses sumber data internal dan eksternal BI. Penelitian ini menggunakan analisis deskriptif/situasi untuk menjelaskan kejadian dan kondisi saat ini, dengan menggunakan Analytic Hierarchy Process (AHP). Penelitian ini menggunakan jumlah sampel sebanyak 211 titik data pelanggan sebagai populasinya. Penelitian ini mengambil sampel sebesar 10% dari populasi pelanggan untuk tujuan analisis. Daerah Bekasi dipilih untuk dijadikan sampel dan penelitian karena beberapa alasan sebagai berikut: (1) Kantor penelitian berlokasi di wilayah Bekasi, (2) Banyaknya Usaha Mikro, Kecil, dan Menengah (UMKM) di wilayah Bekasi, serta ditunjukkan oleh data KEMENKOP, sesuai untuk tujuan penelitian, (3) UMKM di Kota Bekasi efektif mewakili setiap segmen penyaluran KUR. Temuan penelitian menunjukkan bahwa sebagian besar peserta tidak menemui kendala dalam pembayaran kembali pinjaman KUR. Pendekatan paling efektif untuk meningkatkan portofolio KUR PT BSI, Tbk adalah dengan menerapkan inisiatif yang ditargetkan untuk usaha mikro, kecil, dan menengah (UMKM) yang layak secara finansial, seperti menawarkan program khusus yang memungkinkan mereka melakukan transisi dari kategori KUR mikro ke KUR kecil., Micro, Small, and Medium Enterprises (MSMEs) play a crucial part in the economic growth of a nation. According to data from KEMENKOP, there are 195,553 MSMEs in the city and district of Bekasi. The banking sector plays a significant role in the development of this sector in Indonesia. Bank Syariah Indonesia (BSI) is an Islamic financial institution that offers financing through the People's Business Credit (KUR) program. However, BSI's KUR portfolio is currently smaller than that of conventional banks. Therefore, a strategic approach is required to enhance the value of the KUR portfolio at PT BSI, Tbk. The research methodology employs a hybrid approach that combines qualitative and quantitative methods. The aims of this study are to assess the present state of micro, small, and medium enterprises (MSMEs) that receive KUR (Kredit Usaha Rakyat) from PT BSI, Tbk in the Bekasi Area. Additionally, the study aims to examine the KUR portfolio of PT BSI, Tbk in the same area. Lastly, the study aims to formulate a plan to enhance the KUR portfolio of PT BSI, Tbk in the Bekasi Area. The research utilizes both
Keyword: MSMEs, portfolio, strategy, KUR

Judul: Infeksi Virus Parainfluenza Pada Anjing
Abstrak: Virus parainfluenza anjing termasuk famili Paramyxoviridae, berbentuk pleomorf dengan ukuran bervariasi (bergaris tengah antara 100-500 nm), berpembungkus peka ether, berisi genom RNA dan secara serologis mempunyai kesamaan dengan virus SV-5 kera; dikenak sebagai salah satu kausa penting dari sindrom "kennel cough". Infeksinya dapat mengenai anjing semua umur yang belum pernah terinfeksi atau mendapatkan vaksinasi mengakibatkan gejala klinis ringan yang terbatas pada traktus respirasi atu infeksi yang secara klinis tidak memperlihatkan gejala nyata. Gejala klinis yang nampak setelah masa inkubasi (1-5 hari) terlewati berupa batuk yang tidak berat selama beberapa hari, berbagai tingkat tonsilitis dan pharyngitis dan kadang-kadang ditemukan kenaikan temperatur rektal antara 1-2 derajat C dari temperatur normal rat-rata. Anjing terinfeksi mengandung virus pada traktus respirasi bagian atas dan bawah serta limfonoduli sampai hari ke 9 setelah infeksi. Penyebaran virus antar anjing terjadi secara aerogen.
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