Comparative Analysis of Commercial Banks Government Owned and Privat

The global financial crisis that occurred in 2008, the opening of free trade of Southeast Asia (MEA). As well as the use of new methods in the assessment of the health of the bank directly or indirectly impact on the health of the banking performance changes. This study aims to determine the differences between the health levels of government-owned banks and national enterprises listed on the Indonesia Stock Exchange in 2013 and 2014. An assessment of the soundness of banks is an assessment of the factors RGEC the risk profile (risk profile), corporate governance good (good corporate governance), earnings (earnings), and capital (capital). Banks are becoming a sample of 27 banks of the population of 41 banks with purposive sampling method. The data analysis technique used is the Independent sample T-test.The results showed that the condition of banks in terms of risk profile, corporate governance and capital in a healthy state with PK-II both in 2013 and 2014. In terms of profitability shows that state-owned banks in better shape with a very healthy predicate either in 2013 or 2014 . Meanwhile, a national privately owned banks in the state are healthy enough to PK-III both in 2013 and 2014. in addition, the results also showed that there were no differences between the health levels of government-owned banks and national private sector. Partially factor risk profile, corporate governance and capital did not show any significance between the government and private banks nationwide. While the earnings factor show opposite results

Perhitungan Rencana Anggaran Biaya Pemeliharaan secara Bertahap Bangunan Keraton Kadariah Kota Pontianak

Pemeliharaan bangunan adalah suatu proses atau tindakan yang bertujuan untuk mempertahankan atau mengembalikan equipment atau fasilitas pada standar yang telah ditetapkan, sehingga equipment atau fasilitas tersebut dapat berfungsi dengan baik sesuai rencana. Dimana fasilitas yang dipelihara secara baik dan teratur akan terhindar dari kerusakan-kerusakan yang tidak terduga atau gejala kerusakannya dapat terdeteksi sedini mungkin. Pada tulisan ini menyajikan perhitungan dan perkiraan biaya yang akan dikeluarkan secara bertahap untuk pemeliharaan bangunan keraton kadariah kota pontianak berdasarkan jenis - jenis kerusakanny

Pengaruh Penambahan Enzim Tanase Terhadap Sifat Kimia Sirup Buah Semu Jambu Mete (Anacardium Occidentale Linn)

: We previously produced tannase from Aspergillus Niger using solid state medium. In the present study the enzyme used cashew apple juice. The aim this research was to know effect of tannase on chemical parameters of cashew apple juice. The concentration of tannase used was 0%;0.02%; 0.04%; 0.06%; 0.08% and 0.1% (v/v) and this result compared with high temperature treatment (100 oC). Cashew apple juice with tannase treatment resulted in reduced of tannin and increased of glucose and the best result was obtained at the concentration tannase 0,01% (v/v). Tannase treatment not affect ascorbic acid, pH, and protein but high temperature treatment can reduce ascorbic acid content and protein

Dinamika Politik Penerapan Kebijakan Badan Penyelenggara Jaminan Sosial (Bpjs) di RSUD Teluk Kuantan Kabupaten Kuantan Singingi

This research entitled "The Political Dynamics of Implementation of Social Security Administering Agency (BPJS) at Kuantan Bay District General Hospital of Kuantan Singingi Regency". This research is based on Law Number 40 Year 2004 regarding National Social Security System (UU SJSN) which has been revised with Law No. 40 of Law Number 24 Year 2011 on Social Security Administering Board (UU BPJS). The formulation of the problem in this study is Who Any Actors Involved In Implementation Program Social Security Administering Agency (BPJS) At Teluk Kuantan Hospital and what are the interests of each of the actors or political actors. The problems that exist in this research is to see the political dynamics of the actors that took place at Kuantan Bay District General Hospital Kuantan Singingi Regency and wanted to see what the interests of the actors. The method used in this study is a qualitative method that describes the data descriptively. Data collection techniques used were in-depth interviews, documentation and observation, while other required data came from research informants and supported by supporting documents related to this research.Based on the results of research that has been done there are several findings, namely hospitals that have not the status of Regional Public Service Agency (BLUD) so that the required budget must be submitted first to the Local Government. While the local government together with the holding of elections simultaneously not focused on budget preparation, this can be said because of the low political will the executive and legislative support partner pair number 1 in drafting the budget quickly so that the budget is not properly set allocation which then arise the problem of deficiency Funds in the implementation of health services at Teluk Kuantan Hospital for BPJS health users

Tinjauan Ulang Sistem Pemindaian Termal Tubuh Manusia dengan Sensor Suhu Pyroelectric

Elemen sensor pyroelectric sangat sensitif terhadap jangkauan lebar radiasi dan sudut jatuh incoming radiasi panas badan manusia pada panjang gelombang 5-15 µm [1]. Signal respon sensor pyroelectric dapat didekatkan oleh dua buah grafik exponensial sebagai akibat Perubahan kapasitansi dalam amplifier. Waktu naik dan turun dari signal tegangan dapat ditentukan oleh (tetapan waktu elektrik) dan (tetapan waktu termal) yang sebelumnya telah melewati bandpass filter. Dalam tulisan ini, akan dijelaskan secara rinci semua aspek yang menyangkut sistem pemindaian termal tubuh manusia dengan sensor suhu pyroelectric. Pyroelectric sensor element is very sensitive to a wide range of incoming radiation and heat radiation angles of the human body at 5-15 μm wavelength [1]. The response signal of the pyroelectric shown by two exponential graph as a result of changes capacitance in the amplifier. Rise and fall time of the voltage signal can be determined by the (electric time constant) and (thermal time constant) through a bandpass filter. In this paper, will be explained in detail how Infrared motion detector components work

The Effect of Working Capital Management on Profitability in Manufacturing Company Listed in Indonesia Stock Exchange

Profitability of manufacturing companies in Indonesia is influenced byvarious financial factors that can be measured using financial ratios. The purpose ofthis study is to analyze the effect of cash turnover, average collection period ofreceivables, and inventory turnover to profitability on manufacturing companies listedon the Indonesia Stock Exchange. The population of this research is manufacturingcompany of consumer goods industry sector listed in Indonesia Stock Exchangeperiod 2011-2015 period. Sampling method used was purposive sampling and 23companies were obtained as sample. The method of analysis used is multipleregression analysis. Based on the result of t test, cash turnover is positively relatedand significant to profitability. While the average collection period of receivables has anegative and significant impact on profitability. Inventory turnover has no significanteffect on profitability. The results simultaneously with F test show that all independentvariables have significant effect to ptofitability. The adjusted R square value of 0.135indicates that 13.5% profitability can be explained by independent variables of cashturnover, average collection period and inventory turnover. While the rest of 86.5% isexplained by other variables

Kemampuan Subject Specific Pedagogy Calon Guru Biologi Peserta Program Pendidikan Profesional Guru (Ppg) Yang Berlatar Belakang Basic Sains PRA Dan Post Workshop

Penelitian ini bertujuan untuk menggambarkan/mendeskripsikan kemampuan Subjek Spesifik Pedagogi mahasiswa calon guru biologi yang mengikuti program Pendidikan Profesional Guru (PPG) angkatan 2012-2013 melalui pendekatan konsekutif. Hasil sementara menunjukkan bahwa Kemampuan Subject Specific Pedagogy mahasiswa calon guru biologi yang berlatar belakang Biologi murni program Basic Science masih minim, dapat dilihat dari hasil CoRes dan PaP-eRs buatan mereka sebelum mengikuti workshop. Setelah workshop semester I diperoleh hasil yang menunjukkan peningkatan yang cukup baik.  This study aimed to describe / describes the ability of prospective students Subject Specific Pedagogy biology teachers who follow the Professional Teacher Education Program (PTEP) 2012-2013 armed consecutive approach. Preliminary results indicate that the ability of prospective students Subject Specific Pedagogy biology teacher who belongs to the pure Biology Basic Science program is minimal, it can be seen from the cores and pap-ers made ​​them before the workshop. After the workshop the first half of the obtained results that showed a pretty good improvement

Pembelajaran Kooperatif Berkirim Salam Dan Soal Untuk Meningkatkan Aktivitas Dan Hasil Belajar Mahasiswa Pendidikan Matematika Fkip Unram Pada Mata Kuliah Kimia Dasar

: The research has been done to improve activity and academic achievement of second semesterstudents of mathematics education program FKIP University of Mataram academic year 2008/2009 in general chemistry subject through cooperative learning exchanging greetings and questions. There were two cycles of learning in the research. The criteria of the success of the research are student activities were active and misconception student on low level. The results indicated that cooperative learning berkirim salam dan soal can improve activity and academic achievement students. In the first cycle was 52,10% students has misconception and in the second cycle has 18,15%.Criteria students activity in first cycle was very low and in the second cycle students activity was active

Perumuman Lemma Snake Dan Lemma Lima

. -exact sequences was introduced by Davvaz dan Parnian-Garamaleky as a generalization of exact sequences. In this paper, we give some characterizations and properties of -exact sequences. We use these result to find a generalization of Snake Lemma and Five Lemma. Key words Kunci : -exact sequences, Snake Lemma, Five Lemm