Analisis Faktor-faktor Kunci Penggunaan Internet Banking (Studi Kasus Pada PT. Bni (Persero) Tbk. Kantor Cabang Manado)

Strategi bank untuk menghasilkan inovasi baru demi menarik perhatian dan mempertahankan nasabah dapat dilakukan dengan berbagai cara. Bentuk penyajian data dan informasi perbankan dengan memanfaatkan teknologi internet adalah berupa layanan internet banking yang merupakan salah satu bentuk inovasi yang dilakukan untuk menarik dan mempertahankan nasabah agar bank tersebut mampu bersaing di industri perbankan saat ini. Untuk memaksimalkan layanan internet banking yang diberikan kepada nasabah, maka perlu diketahui apa sajakah faktor-faktor kunci atau faktor-faktor penting yang harus ada dan dikembangkan dalam internet banking sehingga dapat bermanfaat pada penggunanya. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor kunci yang mempengaruhi kepuasan nasabah pengguna layanan BNI Internet Banking, sehingga dapat memberikan informasi kepada pihak bank mengenai kualitas layanan yang diberikan. Teknik analisis yang digunakan adalah analisis faktor eksploratori dengan bantuan program SPSS. Sampel yang digunakan sebanyak 80 responden. Hasil penelitian menunjukkan ada 3 faktor baru yang terbentuk dari variabel awal penelitian. Ketiga faktor baru di atas, memenuhi kriteria, dengan total kumulatif varians yang menunjukkan ketiganya memiliki kontribusi yang cukup besar

Integration and mining of malaria molecular, functional and pharmacological data: how far are we from a chemogenomic knowledge space?

The organization and mining of malaria genomic and post-genomic data is highly motivated by the necessity to predict and characterize new biological targets and new drugs. Biological targets are sought in a biological space designed from the genomic data from Plasmodium falciparum, but using also the millions of genomic data from other species. Drug candidates are sought in a chemical space containing the millions of small molecules stored in public and private chemolibraries. Data management should therefore be as reliable and versatile as possible. In this context, we examined five aspects of the organization and mining of malaria genomic and post-genomic data: 1) the comparison of protein sequences including compositionally atypical malaria sequences, 2) the high throughput reconstruction of molecular phylogenies, 3) the representation of biological processes particularly metabolic pathways, 4) the versatile methods to integrate genomic data, biological representations and functional profiling obtained from X-omic experiments after drug treatments and 5) the determination and prediction of protein structures and their molecular docking with drug candidate structures. Progresses toward a grid-enabled chemogenomic knowledge space are discussed.Comment: 43 pages, 4 figures, to appear in Malaria Journa

Combined MR direct thrombus imaging and non-contrast magnetic resonance venography reveal the evolution of deep vein thrombosis: a feasibility study.

OBJECTIVES: Lower limb deep venous thrombosis (DVT) is a common condition with high morbidity and mortality. The aim of the study was to investigate the temporal evolution of the acute thrombus by magnetic resonance imaging (MRI) and its relationship to venous recanalization in patients with recurrent DVTs. METHODS: Thirteen patients with newly diagnosed lower limb DVTs underwent MRI with non-contrast MR venography (NC-MRV) and MR direct thrombus imaging (MR-DTI), an inversion-recovery water-selective fast gradient-echo acquisition. Imaging was performed within 7 days of the acute thrombotic event, then at 3 and 6 months. RESULTS: By 3 months from the thrombotic event a third of the thrombi had resolved and by 6 months about half of the cases had resolved on the basis of vein recanalisation using NC-MRV. On the initial MR-DTI acute thrombus was clearly depicted by hyperintense signal, while the remaining thrombi were predominantly low signal at 3 and 6 months. Some residual thrombi contained small and fragmented persisting hyperintense areas at 3 months, clearing almost completely by 6 months. CONCLUSIONS: Our study suggests that synergistic venous assessment with combined NC-MRV and MR-DTI is able to distinguish acute venous thrombosis from the established (old) or evolving DVT detected by ultrasound. KEY POINTS: • MRI can distinguish between acute and evolving or chronic lower limb DVT • Two advanced MRI techniques can follow the evolution of lower limb DVT • MRI could be used to avoid an incorrect diagnosis of recurrent DVT • MRI could help avoid the risks and complications of lifelong anticoagulation therapy.National Institute for Health Research, Addenbrooke’s Charitable TrustThis is the final version of the article. It first appeared from Springer via http://dx.doi.org/10.1007/s00330-016-4555-

Structure Functions of the Nucleon in a Statistical Model

Deep inelastic scattering is considered in a statistical model of the nucleon. This incorporates certain features which are absent in the standard parton model such as quantum statistical correlations which play a role in the propagation of particles when considering Feynman diagrams containing internal lines. The inclusion of the ${\cal O}(\alpha_{s})$ corrections in our numerical calculations allows a good fit to the data for $x\geq 0.25$. The fit corresponds to values of temperature and chemical potential of approximately $T=0.067$ GeV and $\mu=0.133$ GeV. The latter values of parameters, however, give rise, for all $x$, to a large value for $R=\sigma_{L}/\sigma_{T}$.Comment: 16 pages TeX, 11 figures available as Postscript files, University of Bielefeld preprint BI-TP 93/3

Developing fencing policies in dryland ecosystems

The daily energy requirements of animals are determined by a combination of physical and physiological factors, but food availability may challenge the capacity to meet nutritional needs. Western gorillas (Gorilla gorilla) are an interesting model for investigating this topic because they are folivore-frugivores that adjust their diet and activities to seasonal variation in fruit availability. Observations of one habituated group of western gorillas in Bai-Hokou, Central African Republic (December 2004-December 2005) were used to examine seasonal variation in diet quality and nutritional intake. We tested if during the high fruit season the food consumed by western gorillas was higher in quality (higher in energy, sugar, fat but lower in fibre and antifeedants) than during the low fruit season. Food consumed during the high fruit season was higher in digestible energy, but not any other macronutrients. Second, we investigated whether the gorillas increased their daily intake of carbohydrates, metabolizable energy (KCal/g OM), or other nutrients during the high fruit season. Intake of dry matter, fibers, fat, protein and the majority of minerals and phenols decreased with increased frugivory and there was some indication of seasonal variation in intake of energy (KCal/g OM), tannins, protein/fiber ratio, and iron. Intake of non-structural carbohydrates and sugars was not influenced by fruit availability. Gorillas are probably able to extract large quantities of energy via fermentation since they rely on proteinaceous leaves during the low fruit season. Macronutrients and micronutrients, but not digestible energy, may be limited for them during times of low fruit availability because they are hind-gut fermenters. We discuss the advantages of seasonal frugivores having large dietary breath and flexibility, significant characteristics to consider in the conservation strategies of endangered species

The assessment of intravascular volume

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Detection of [O I] 63 <i>μ</i>m in absorption toward Sgr B2

A high signal-to-noise 52-90 μm spectrum is presented for the central part of the Sagittarius B2 complex. The data were obtained with the Long Wavelength Spectrometer on board the Infrared Space Observatory (ISO). The [O I] 63 μm line is detected in absorption even at the grating spectral resolution of 0.29 μm. A lower limit for the column density of atomic oxygen of the order of 1019 cm-2 is derived. This implies that more than 40% of the interstellar oxygen must be in atomic form along the line of sight toward the Sgr B2 molecular cloud

Nuclear structure and reaction studies at SPIRAL

The SPIRAL facility at GANIL, operational since 2001, is described briefly. The diverse physics program using the re-accelerated (1.2 to 25 MeV/u) beams ranging from He to Kr and the instrumentation specially developed for their exploitation are presented. Results of these studies, using both direct and compound processes, addressing various questions related to the existence of exotic states of nuclear matter, evolution of new "magic numbers", tunnelling of exotic nuclei, neutron correlations, exotic pathways in astrophysical sites and characterization of the continuum are discussed. The future prospects for the facility and the path towards SPIRAL2, a next generation ISOL facility, are also briefly presented.Comment: 48 pages, 27 figures. Accepted for publication in Journal of Physics

Revival of the magnetar PSR J1622-4950: observations with MeerKAT, Parkes, XMM-Newton, Swift, Chandra, and NuSTAR

New radio (MeerKAT and Parkes) and X-ray (XMM-Newton, Swift, Chandra, and NuSTAR) observations of PSR J1622-4950 indicate that the magnetar, in a quiescent state since at least early 2015, reactivated between 2017 March 19 and April 5. The radio flux density, while variable, is approximately 100x larger than during its dormant state. The X-ray flux one month after reactivation was at least 800x larger than during quiescence, and has been decaying exponentially on a 111+/-19 day timescale. This high-flux state, together with a radio-derived rotational ephemeris, enabled for the first time the detection of X-ray pulsations for this magnetar. At 5%, the 0.3-6 keV pulsed fraction is comparable to the smallest observed for magnetars. The overall pulsar geometry inferred from polarized radio emission appears to be broadly consistent with that determined 6-8 years earlier. However, rotating vector model fits suggest that we are now seeing radio emission from a different location in the magnetosphere than previously. This indicates a novel way in which radio emission from magnetars can differ from that of ordinary pulsars. The torque on the neutron star is varying rapidly and unsteadily, as is common for magnetars following outburst, having changed by a factor of 7 within six months of reactivation.Comment: Published in ApJ (2018 April 5); 13 pages, 4 figure