Judul: Efektivitas Komunikasi Pemasaran Kredit Perbankan Bank Rakyat Indonesia Unit Desa Cikedung, Kecamatan Cikedung, Kabupaten Indramayu
Abstrak: Marketing communication is a process of conveying a message to the public about products offered and the goal is the public know the information about the products. The purpose of this study is to analyze the factors that affect the strategy of marketing communication BRI banking credit and the effectiveness of marketing communication at Bank BRI Unit Desa Cikedung. The results of this study is the strategy of marketing communication BRI banking credit is influence by the external factors of debtor that is, the frequency of other bank promotion and the frequency of credit loan on the other bank. The effectiveness of marketing communication at Bank BRI Unit Desa Cikedung is influence by strategy of marketing communication, that is the value of ANSVA message plan and the frequency of receipt marketing communication mix.
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Judul: Communication Pattern in Rural Public Credit Institution (Case of Bank PD BPR Sarimadu, Kampar Regency, Riau Province).
Abstrak: Financial institutions are important actors in the National economic. The objectives of this research were to describe pattern of communication of Bank PD BPR Sarimadu in credit activity (dissemination, use and repayment of credit), and the impact of communication pattern to repayment credit of Bank PD BPR Sarimadu. The research was conducted at the Bank PD BPR Sarimadu Kampar regency on February until May 2010. This is a qualitative research, with observation, in depth interview an triangulation. Sources of data in this study are the data interview from informan’s (bank employees and twenty nine clients) and supported by secondary data from documents and archives of bank and other related agencies. Informan selection procedure performed by the determination of persuasive sampling technique. Pattern of communication is evaluated from five components, there are forms of communication, contents of the message being communicated, actors involved the communication, communication frequency and types of relationship. The results are : there are two forms of communication which are direct and indirect communication. Direct communication is bank employees come to client shop or client come to bank. Indirect communication is newspapers advertisement, radio, television, brochure and banner. The messages consist of credit informations at socialization and bank action if overdue consumer pay for credit at loan of credit. Actors who are involve in doing communications are employees of Bank PD BPR Sarimadu, local government and client candidate at credit socialization and employees of Bank PD BPR Sarimadu with client at loan of credit. Communications frequency done once a week for credit of bakulan and once a month for credit of modal kerja. Types of relationship that happened was formal relationship and informal relationship. Formal relationship when client come to bank. Informal relationship when employees of Bank PD BPR Sarimadu come to client shop and use ocu language. The continuity of communication has an impact to repayment of loan and prevent problems credit returns. There are no credit arrears of year 2009 until now and the increase of number of credit accounts are 3833 accounts in 2005 to 5766 accounts in 2009.
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Judul: Morfogenetik Squat Lobster Genus Galathea Fabricus 1793 (Decapoda; Galatheidae) Di Kepulauan Seribu
Abstrak: Banyak taksa yang ditemukan sebagai spesies kriptik dengan kesamaan morfologis yang tinggi, tetapi secara genetik menunjukkan spesies yang berbeda. Spesies kriptik telah dilaporkan sebelumnya dalam Famili Galatheidae. Genus Galathea Fabricius 1793, termasuk dalam famili Galatheidae Samouelle 1819 yang merupakan salah satu kelompok yang paling beragam dari krustasea berkaki sepuluh yang dijuga dikenal sebagai "lobster jongkok (squat lobster)", karena perut mereka terselip di bawah dada, memberikan penampilan "berjongkok". Mayoritas spesies genus Galathea dicirikan oleh karapas yang ditutupi dengan setiferous transvers ridges dan rostrum segitiga pipih dengan empat gigi lateral. Kompleksitas karakter morfologis membuat mereka sulit diidentifikasi. Selain itu, informasi taksa ini terbatas di Indonesia. Oleh karena itu, teknik molekuler saat ini menjadi aset yang berguna untuk penggambaran spesies. Penelitian ini bertujuan untuk memberikan identifikasi molekuler dan morfologis lobster jongkok (squat lobster) di Kepulauan Seribu. Sebanyak 156 sampel lobster jongkok dikumpulkan dari karang mati saat ekspedisi pada tahun 2013 hingga 2015. Sampel yang dikumpulkan diidentifikasi secara molekuler menggunakan mitokondria DNA target lokus 16S, dan masing-masing diklasifikasi lebih lanjut dijelaskan secara morfologis. Sebanyak tujuh clades direkonstruksi dari pohon filogenetik menggunakan 122 sekuens yang teridentifikasi sebagai Allogalathea inermis (clade 1 dan clade 5), Galathea sp.2 (clade 2 dan clade 3), Procambarus fallax (clade 4) dan Plesionida concava (clade 6 dan clade 7) pada GenBank. Namun, persentase kemiripannya kurang dari 93%, menunjukkan bahwa database taksa ini masih terbatas atau tidak tersedia dalam GenBank. Spesimen dari masing-masing clade dijelaskan secara morfologis. Genus dan spesies dikenali dari bentuk rostrum dan struktur duri pada karapas dan abdomen. Karapas di punggung dengan punggung melintang, di sepanjang sisi dengan deretan duri. Rostrum dorsoventral berbentuk datar, segitiga, dengan 2-4 gigi horizontal. Pemanfaatan informasi molekuler dan morfologis dapat membantu memperjelas batasan dan kompleksitas identifikasi antar spesies.
Keyword: keanekaragaman hayati laut, kompleksitas habitat, mikrohabitat