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Banking Improvement Performance Analysis Through Strategy Map And Business Process Map: Financial And Non Financial Perspectives Approach
No full textThis study aims to determine the banks performance to realize the vision and mission through a strategy map and business process map, which describe through financial and non financial perspectives, in the non financial perspective, i.e. customer perspective, internal business process perspective, growth and development perspective. The data used in this research is the primary data and secondary data. Analysis carried out shows the results of that in states bank i.e. Bank Negara Indonesia (Persero) Tbk, Bank Rakyat Indonesia (Persero) Tbk, Bank Tabungan Negara (Persero) and Bank Mandiri (Persero) Tbk viewed from the perspective financial year period 2004-2008 for the liquidity ratio is a decreasing and increasing, decreasing solvency ratio viewed from the period 2007 primary ratio 9.022% and CAR of 13.67%, the ratio of profitability also increasing and decreasing, the ratio of business efficiency and also decreases improvement. Analysis for the customer perspective, the process of innovation, growth and learning showed satisfactory results from the states bank. Conclusions from the analysis results showed the states bank that has achieve vision and mission through the perspective of both financial and non-financial perspective satisfactory. Approach to strategy map and business process map shows that the productivity performance of the states bank has been running very well
Influence Of Dividend Announcement in LQ45 Company Toward Shares Return Before and After Ex Date Devidend In Indonesia Stock Exchange (IDX)
No full textThe research’s aim is to analyze whether announcement of dividend increase and decrease will
be positively influence to the shares return before and after ex-dividend date in the Indonesia
Stock Exchange (IDX). In this research, the samples used consist of 24 companies which
incorporated in LQ45 group for the period of August 2008 until January 2009 in IDX. Testing
the influence of dividend announcement have done by observing the abnormal return during the
period 11 days, which are 5 days before the dividend announcement and 5 days after the
dividend announcement. The research results show that on the significance level 5% exist the
weekdays which produce significance abnormal return. The company which announce the
increase of dividend having significance abnormal return, it can be found on (t+3) days after the
announcement. The company which announce the dividend decrease, the significance abnormal
return existed at the (t+1) day after the announcement
Analisa Kegagalan Poros Pompa Air Laut Pada Unit PLTU
No full textPompa air yang digunakan untuk menghisap dan mengalirkan air laut menuju unit penukar
kalor pada sebuah Pembangkit Listrik Tenaga Uap (PLTU), mengalami kerusakan. Untuk
mengetahui faktor penyebab dari fenomena kerusakan ini, maka poros yang patah dilakukan
penguj ian yang meliputi pengamatan visual, penguj ian fraktografi, metalografi, uji kekerasan
dan analisa komposisi kimia pada poros yang patah. Dengan mengetahui jenis dan penyebab
kerusakan pada poros pompa air tersebut maka dapat dirumuskan langkah-Iangkah penang-gulangan atau pencegahan sehingga kerusakan yang sama dapat dihindari. Dari hasil pen-gujian diperoleh bahwa kadar karbon rata-rata lebih rendah dari standar AISI 316. Sedang-kan kekerasan rata-ratanya lebih rendah dari kekerasan standarnya. Kerusakan yang terjadi
pada poros pompa air CWP ini pada dasarnya disebabkan oleh patah lelah akibat beban
kerja berlebihan berupa pembebanan dinamis
BANKING FINANCIAL PERFORMANCE BEFORE AND AFTER IMPLEMENTATION OF ARCHITECTURE BANKING INDONESIA (API) ON NON-BANK FOREIGN EXCHANGE
No full textThe banking industry is the banking industry that is capital intensive. That is, industries that are managing public funds with
all kinds of risks. Thus, banks would have to have the capacity and capability sufficient to cover losses arising from risks
that arise. For that, the bank capital as a buffer from the risks faced by banks should be strengthened and improved in line
with the amount of risk faced each bank. Research Methodology use secondary data that the bank's financial statements in
the form of Balance Sheet, Statements of Income and Calculation of Minimum Capital Liabilities Provision (CAR) at the
10th National Commercial Bank Non foreign exchange has done API implementation in December 2007. To assess the
bank's performance is to use the CAR, ROA, BOPO, ROE and LDR. These five variables are compared to the 1 year prior to
the implementation of the API in 2005 and 1 year after implementation of the API in 2007, technical analysis using SPSS for
windows, the research hypothesis testing with different test t (t-test). The results of t test analysis showed that there is no
significant influence on the performance differences for the national private commercial bank non-foreign exchange before
and after the API
COPING STRESS PADA MEDITATOR SUFI
No full textMenurut Atwater (1983) stres adalah efek dari situasi keadaan dan kondisi yang memiliki potensipotensi
menekan dan berakibat negatif terhadap individu. Sementara Reshad (2002) menjelaskan bahwa
manusia pad a dasarnya menginginkan ketentraman serta kebahagian dalam kelanjutan hidupnya, mencari
pembenaran-pembenaran dan solusi dalam setiap masalah yang dihadapi merupakan bentuk nyata sikap
manusia. pencarian akan keseimbangan dan penyelarasan setiap permasalahan yang dihadapi merupakan
bentuk abstrak dari keutuhan man usia. Oalam hal ini kebutuhan-kebutuhan yang bersifat abstrak sekaligus
diyakini sebagai penyeimbang kehidupan manusia dapat disentuh melalui wilayah spiritual. Oi lain pihak,
Thouless (2000) menjelaskan bahwa kebutuhan manusia yang bersifat spiritual keagamaan muncul seiring
harapan akan keselamatan serta terhindar dari ancaman. Keyakinan terhadap eksistensi dunia spiritual
kemudian diwujudkan melalui bentuk-bentuk perbuatan ritual doa pengharapan & meditasi yang dianggap
dapat memberikan perlindungan dan ketenangan jiwa. Penelitian ini bertujuan untuk mengetahui gambaran
stres dan koping stress pada meditator sufi. Oengan menggunakan wawancara dengan pedoman standar
yang terbuka, penelitian ini dilakukan pada dua orang pria yang telah melkukan meditasi sufi selama lebih dari
delapan tahun. Berdasarkan penelitian dapat disimpulkan bahwa stresor kedua Subjek dapat dengan cepat
terkelola dengan meditasi sufi. Oengan menyandarkan diri secara total kepada Tuhan melalui kesabaran,
kepasrahan dan keikhlasan, mereka dapat merasakan ketentraman batin dan kemudahan dalam menghadapi
segala permasalahan serta mengkelola sumber-sumber stres baik yang ada di dalam diri maupun di luar diri
mereka
PRELIMINARY STUDY OF INTERNET USAGE BEHAVIOUR OF INDONESIAN INSURANCE PRACTITIONERS USING UTAUT MODEL AND TECHNOLOGY ACCEPTANCE MODEL
No full textThe information technology condition of Indonesia is relatively left behind if it is compared to the other countries. This can be noticed from
the availability of the information technology infrastructure, the number of computers used in the companies, or internet access. World Bank
(2000) reports the growth of information and communication technology (leT) in Indonesia. They are the ratio of the computer 9.9 per 1000
people, telephone connections 91 per 1000 people, the number of the
internet host 0.8 per 10.000 people and internet user of2 million people.
Investment on leT is noted as much as US 16.6
Eigenfaces Method Implementation on Face Recognition Application with Different Distance
No full textFace recognition system is one kind of biometic technolog
MODEL PENGUKURAN LIKUIDITAS DI PASAR MODAL INDONESIA PENDEKATAN MEKANIKA
No full textPenelitian ini menggunakan metoda studi peristiwa (event study) yang biasa
dilakukan dalam penelitian di bidang mikrostruktur pasar (market microstructure) dengan
menggunakan data intrahari. Penggunaan data transaksi intrahari (intraday)
memungkinkan untuk penelitian ini lebih mendalam dan lebih representatif daripada
penggunaan data transaksi harian atau bulanan yang selama ini banyak digunakan oleh
peneliti di Indonesia
NEWS EFFECTS GOOD VS BAD NEWS ON EXCHANGE RATES
No full textRate of Exchange rate fluctuations are influenced by market sentiments which were formed by the development of economic
and noneconomic fundamentals in either domestic economy or worldwide economy, especially various macro economics
news from United States of America. Market reacts toward surprises which were generated due to differences between actual
data and market expectations (i.e., macro economics news by associated institutions). Market reactions would results in
exchange rate corrections, that is either weakening or strengthening, which depends on the magnitude of differences between
actual data and market prediction toward the data. This study is aimed for analyzing reactions of exchange rates between
Indonesia Rupiah (IDR) and US Dollar (USD) toward macro economics surprises which came either from Indonesia or from
the US. Surprises in this study include positive (good) and negative (bad) macro economics news which come from
Indonesia and the US as well. Secondary data were used in this research, in the form of daily data exchange rate USD-IDR,
and data of macro economic news from within country and from United States between year 1998-2006. Analysis doubled
linear regression and Error Correction Model were used in this research. Results of the study indicated that macro economics
surprises have significant effect on USD-IDR exchange rate; macro economics surprises from both domestic and the US
have significant effect on USD-IDR exchange rate; and neither positive and negative macro economics surprises have
significant effect on USD-IDR exchange rate