Judul: Penerapan Model Regresi Logistik dan Metode CHAID dalam Klasifikasi Nasabah UMKM terhadap Pembayaran Kredit
Abstrak: Kredit bagi negara Indonesia merupakan sumber pembiayaan utama dalam kegiatan usaha. Peranan kredit bagi Indonesia cukup besar. Salah satu pembiayaan yang disediakan oleh bank adalah untuk Usaha Mikro Kecil Menengah (UMKM). Salah satu masalah dalam pemberian kredit adalah terjadinya pembayaran yang tidak lancar oleh nasabah. Tujuan dari penelitian ini adalah menerapkan analisis regresi logistik dan metode Chi-Square Automatic Interaction Detection (CHAID) untuk mendeteksi peubah-peubah yang mempengaruhi kelancaran dan ketidaklancaran kredit. Data yang digunakan adalah nasabah kredit UMKM dari salah satu bank swasta, dengan tujuh peubah penjelas yang diperkirakan dapat mempengaruhi kelancaran pembayaran kredit. Berdasarkan hasil analisis disimpulkan bahwa, peubah yang mempengaruhi kelancaran kredit untuk usaha mikro adalah jangka waktu dan penghasilan, untuk usaha kecil adalah jangka waktu, jumlah angsuran, penghasilan, pendidikan, status pernikahan dan bentuk usaha dan pada usaha menengah adalah jangka waktu, penghasilan dan status pernikahan.
Keyword: CHAID, Kolektibilitas, Kredit, Regresi Logistik, Usaha Mikro Kecil Menengah (UMKM)

Judul: Segmentasi Nasabah dalam Pengembalian Kredit dengan Metode CHAID
Abstrak: Credit is one part of capital formation carried out by financial institutions, in this case the banks to public. Credit risk is the potential loss of consumer credit refusal or inability to pay its debts in full and on time. Customers in the level of credit risk is influenced by some variables. But in reality, too many variables that would complicate the determination level of credit risk for the bank in the future. Because of this, it is necessary to simplify the variables in a way to sort out which variables are the most significant influence. CHAID (Chi-Square Automatic Interaction Detection) method is one of method can be applied to address this problem. Results of analysis of this study is that there are four explanatory variables that are associated with the structural status of the collectability of customer. The variables are the number of installments, job, loan term, and gender. CHAID analysis produces six customer segments. From the table, it can be concluded that the classification accuracy of prediction for the current customers by 96.2% while the predictive accuracy of customer loss amounting 10.0%.
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Judul: Induction of Gonad Maturation, Ovulation and Spawn in Torsoro (Tor soro) used Hormon Combination
Abstrak: Torsoro fish populations continue to decline due to overfishing and habitat destruction on the natural environment. Artificial breeding of fish has to do with hormonal stimulation, but the results are not optimal. The purpose of this study was to manipulate the reproduction of fish Torsoro through induction of gonadal maturation, ovulation, and spawning to increase the success of artificial breeding. Research on the induction of gonadal maturation performed by Oodev.Oodev containing PMSG and antidopamin that functions as a hormone regulator that works to stimulate the target organs (hypothalamic-pituitary-gonadal) for the initial development of the gonads. Induction of final maturation (final maturation) and spawning is done by using some hormones and their combinations; sGnRH (D-Arg6, Trp7, Leu8, Pro9Net)-LH-RH and 10 mg of domperidone (ovaprim), aromatase inhibitors and oytocin. Females Torsoro size 750-800 grams / fish, injected with oodev 0 ml, 0.5 ml oodev, oodev 1 ml, 1.5 ml oodev for induction of maturation. Fish injected every week for 5 weeks. Furthermore, female of Torsoro which is maturating gonads were injected with a combination of hormones that is ovaprim 0.5 ml / kg of fish, ovaprim 0.25 ml / kg of fish + HCG 500 IU / kg fish, ovaprim 0.25 ml / kg + 0.25 mg AI / kg; AI 0.50 mg / kg + 0.5 IU oxytocin (spawnprim) for final gonadal maturation and spawning of fish. The results showed that the injection of 1 ml Oodev give the best results in inducing gonadal maturation among other treatments. Injection with 1 ml oodev can induce the fish to mature gonads as much as 60%, with higher levels of estradiol-17ß as much as 102.12 ± 21.6 ng / ml, egg diameter of 3 mm. The best results showed that ovulation induction treatment combination of AI 0.50 mg/kg + 0.5 IU oxytocin (spawnprime) has a latency period of the fastest in stimulating ovulation 17.5 ± 0.52 h; fertilization rate of 96.60 ± 0.12%; hatching rate 81.05 ± 0.19%, and the survival rate of larvae reached 98.88 ± 0.41%. The results indicate that AI 0.50 mg / kg + 0.5 IU oxytocin (spawnprime) is the best hormone combination in inducing ovulation and spawning to semi-natural (spawning without stripping) on Torsoro. Induction of maturation of the gonads can be done by injecting Torsoro with Oodev that can induce axis hypothalamus-pituitary-gonads for vitellogenesis process through increased plasma estradiol that causes gonadal maturation in female fish. whereas, Spawnprim able to induce more effective for the final maturation of the gonads, which includes ovulation and spawning and reproductive performance are better than the results obtained ovaprim. Spawnprim also able to induce spawning reflex so that the fish can spawn with a semi-natural way (without stripping). The success in the induction of maturation by using Oodev, and also in the induction of ovulation and spawning by using Spawnprim, provide great opportunities to increase production of seed in artificial breeding Torsoro.
Keyword: maturation, ovulation, spawnprime, Torsoro