Analisis Faktor-faktor Pembentuk Kinerja (Rgec) pada Perbankan Indonesia: (Studi Kasus pada Bank yang Terdaftar di Bei Periode 2010-2013)

The purpose of this research is to analyze the major factors that forming the performance of the banks in Indonesia based on Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) financial ratios. Variables used in this research are financial ratio that make up the RGEC model on bank performance consists of Net Performing Loan (NPL), Interest Expense Ratio (IER),Loan to Deposit ratio (LDR), Loan to Asset Ratio (LAR), and Cash Ratio(CR) as Risk Profile aspect, self-assessment bank rating is an aspect of Good Corporate Governance, Gross ProfitMargin (GPM), Gross Yield on Total Assets (GOTA), Net Interest Margin (NIM), Net ProfitMargin (NPM), Profit Margin (PM),Return on Equity (ROE), Return on Assets (ROA), Return onTotal Assets (ROTA), and Beban Operasional per Pendapatan Operasioanal (BOPO) as Earnings aspect, and then Capital Adequacy Ratio (CAR), Deposit Risk Ratio (DRR), Primary Ratio (PR), and Risk Assets Ratio (RAR) as Capital aspect.The population in this research are all banking companies listed on the Indonesian StockExchange in 2010-2013. The sampling method used in this research was purposive sampling method with the specified criteria, listed for 4 years and have no delisted during the period, whichbring out 124 sample. Data collection method used in this research is documentation study usingannual reports of each banking between 2010-2013. Factors analysis was used as a method of data analysis in this researchThe result of analysis showed that from 19 ratio, there are 18 significant ratio as formingthe ratio of bank performance, and 13 of them are the permanent factors that forming the banks performance. That thirteen ratio are PM, ROE, ROTA, ROA, NPM, BOPO, PR, RAR, CAR, DRR, NPL, CR and GCG. There is only 1 ratio which is not significant forming the Indonesian banking performance, and it\u27s LAR

Kitsch dalam Iklan TV Komersial dan Selera Konsumer Indonesia

Iklan TV komersial memiliki hubungan timbal Balik dengan selera konsumer. Penelitian mengenai iklan TV bermuatan kitsch, yang sering dikaitkan dengan selera rendah ini, mencoba menjawab bagaimana gambaran selera masyarakat konsumer Indonesia pada tahun 2015. Metode yang digunakan adalah metode lintas disiplin dengan pendekatan Cultural studies. Penelitian ini menguraikan gambaran selera massa konsumer Indonesia sebagai dampak dari tayangan iklan TV komersial. Dengan mengambil sampel “Iklan Biji Selasih Serbuk Panas Dalam Bintang Toedjoe”, didapati bahwa iklan tersebut mengandung unsur budaya global yang bercampur (hibrid) dengan budaya lokal dan mitos populer khas Indonesia. Hasil penelitian ini juga menunjukkan bahwa selera masyarakat Indonesia, terutama kelas menengah bawah, sangat terkait dengan karakter manusia Indonesia yang memiliki naluri berkesenian yang tinggi, suka pamer, percaya tahayul, mudah dipengaruhi oleh budaya dari luar, dan bersifat hipokrit

Social Welfare Politics in Contemporary Indonesia: Understanding the Social Welfare System Vision in Act 11 of 2009

This study attempts to understand how the social welfare politics developed in the contemporary Indonesian politics work by focusing on the policy making process of Act 11 of 2009 on social welfare. The research focuses on trying to understand the vision, ideological thinking, and welfare scheme model envisioned by the formulators of the policy when designing social welfare system in Indonesia. By employing analyses on three important dimensions of policy which are context, substance, and process of policy this study finds that social welfare policy design in Indonesia is built in particular, not universal. Social welfare scheme is a response of the state to discipline social problems more than an expression of state responsibility towards the fulfillment of citizens' basic rights in the citizenship framework. Aside from that, tendencies of being output oriented and strong bureaucratization arise in its implementation design. There is no clarity of the ideological choice and distinction in the existing social welfare scheme. The matter is confirmed when the formulation process of Act 11 of 2009 shows that the different political parties with different ideological background, and different constituent basis did not have different perspectives and ideological contestations. Ideological debates were absent

Faktor-faktor Yang Mempengaruhi Kemauan Membayar Pajak Wajib Pajak Orang Pribadi Yang Melakukan Pekerjaan Bebas (Studi Empiris Pada Kpp Pratama Pekanbaru Tampan)

The purpose of this study was to examines the influence paying tax awareness, knowledge and understanding of tax regulation, a good perception of the effectiveness of the taxation system, the quality of tax services on the willingness to pay taxes of an personal taxpayer who performs work free. Sampling techniques in the study was probability sampling. To better represent the researchers took a sample of 78 respondents with Slovin formula calculations. This study uses quantitative methods, where the data obtained from distributing questionnaires to the taxpayer who performs registered in KPP Pratama Tampan, Pekanbaru. Test statistic used is multiple linear regression test, and data obtained were processed using SPSS 20.0. Statistical software. Based on the results of research that conducted, found the coefficient of determination (Adj. R²) of 0.581. That means 58,1% of the willingness to pay taxes influenced by paying tax awareness, knowledge and understanding of tax regulation, a good perception of the effectiveness of the taxation system,the quality of tax services. The independent variable in this study paying tax awareness, knowledge and understanding of tax regulation,the quality of tax serviceshad a significant influence on the willingness to pay taxes. Then independent variable a good perception of the effectiveness of the taxation system doesn\u27t influence on the willingness to pay taxes of an personal taxpayer who performs work free

Perilaku Rumahtangga Miskin dalam Perawatan Kehamilan di Desa Muntuk, Kecamatan Dlingo, Kabupaten Bantul

Perilaku perawatan kehamilan adalah salah satu aspek dan upaya yang penting dilakukan untuk mengurangi jumlah kematian ibu dan kematian bayi. Rumahtangga miskin merupakan rumahtangga yang rentan untuk tidak melakukan perawatan kehamilan atau pemeriksaan antenatal care. Tujuan dari tulisan ini adalah untuk menjelaskan faktor-faktor yang berhubungan dengan perilaku perawatan kehamilan. Penelitian ini merupakan penelitian kuantitatif dengan melakukan survey dan wawancara terstruktur terhadap semua rumahtangga miskin yang mendapatkan bantuan berupa Raskin yaitu di Desa Banjarharjo 1 (49 rumahtangga) dan Desa Banjarharjo 2 (95 rumahtangga). Penelitian ini menggunakan analisis inferensial yang berupa uji korelasi. Hasil dari penelitian ini menunjukkan bahwa perilaku perawatan kehamilan memiliki hubungan dengan faktor umur kepala rumahtangga, akses, dan kondisi ekonomi

Estimating Optimal Thinning and Rotation for Mixed-Species Timber Stands Using a Random Search Algorithm

The problem of optimal density over time for even-aged, mixed-species stands is formulated as a nonlinear-integer programming problem with numbers of trees cut by species and diameter class as decision variables. The model is formulated using a stand-table projection growth model to predict mixed-speciesg rowth and stand-structureO. ptimal thinning and final harvest age are estimated simultaneously using heuristic random search algorithms. For sample problemsw ith two speciesr, andom searchm ethodsp rovide near-optimalc uttings trategiesw ith very little computer time or memory. Optimal solutions are estimated for problems with eight initial species/diameter class groups, projected for up to three discrete growth periods. Such solution methods merit further study for evaluating complex stand- and forest-level decisions. FOREST Scl. 31:303-315

Pengaruh Kesadaran Wajib Pajak, Kegiatan Sosialisasi Perpajakan, Pemeriksaan Pajak dan Jumlah Wajib Pajak yang Terdaftar terhadap Penerimaan Pajak Penghasilan Orang Pribadi di Kpp Pratama Pekanbaru Tampan

This research aimed to find out whether taxpayers awareness, tax socialization, and tax inspection have a significant influence, The number of registered taxpayers to income tax receivable in Pekanbaru Tampan Tax Authority. Taxpayers awareness is measured with the percentage of Income Tax Article 25 monthly tax return that reported on time. Tax socialization is measured by the number of tax socialization events that held by Pekanbaru Tampan Tax Office with the focus on personal taxpayer. Tax inspection is being observed from the number of income tax article 25 tax collection letter that issued for personal taxpayer. The number of registered taxpayers is being observed from The number of registered taxpayers every month. Income tax receivable is being observed from the number of income tax article 25 installment payment revenue that paid by personal taxpayer at Pekanbaru Tampan Tax Office. The data type that being used in this research were quantitative data by using monthly secondary data from fiscal year 2011 until 2014. The applied statistic test was multiple linier regressions. This research proved that taxpayers awareness have a significant influence to income tax receivable, tax socialization have a significant influence to income tax receivable, tax inspection simultaneously had no influence and The number of registered taxpayers had no influence to income tax receivable in Pekanbaru Tampan.Keywords: Taxpayers Awareness, Tax Socialization, Tax Inspection, Income Tax Receivable, and Income Tax Article 2

Interactions of bright and dark solitons with localized PT-symmetric potentials

We study collisions of moving nonlinear-Schrödinger solitons with a PT-symmetric dipole embedded into the one-dimensional self-focusing or defocusing medium. Accurate analytical results are produced for bright solitons, and, in a more qualitative form, for dark ones. In the former case, an essential aspect of the approximation is that it must take into regard the intrinsic chirp of the soliton, thus going beyond the framework of the simplest quasi-particle description of the soliton's dynamics. Critical velocities separating reflection and transmission of the incident bright solitons are found by means of numerical simulations, and in the approximate semi-analytical form. An exact solution for the dark soliton pinned by the complex PT-symmetric dipole is produced too

Sistem Pendukung Keputusan Pemilihan Produk Asuransi Studi Kasus : PT Commonwealth Life Pontianak

Dalam menentukan produk asuransi sering terjadi masalah-masalah yang dihadapi oleh agen asuransi dan calon nasabah, yaitu lamanya proses penentuan produk dan kurangnya pemahaman nasabah terhadap produk yang ditawarkan. Untuk itu diperlukan suatu sistem yang dapat digunakan oleh agen asuransi dalam proses pemilihan produk yang sesuai dengan kriteria calon nasabah. Penelitian ini bertujuan untuk merancang sistem pendukung keputusan pemilihan produk asuransi dengan menggunakan metode AHP dan TOPSIS. Prototype Sistem dibangun menggunakan bahasa pemrograman PHP dan database MySQL. Sistem yang dibangun menghasilkan perangkingan produk asuransi sesuai dengan kriteria dari calon nasabah. Penelitian ini menyimpulkan bahwa perancangan prototype SPK telah dapat dilakukan berdasarkan hasil pengujian menggunakan User Acceptance Test dengan jumlah pertanyaan 8 dan jumlah responden 6 orang dimana rata-rata jawaban adalah 43,73% responden menjawab setuju dan 56,27% responden menjawab sangat setuju. Pengujian akurasi sistem SPK dilakukan dengan membandingkan output dari sistem dengan proses prospekting manual dimana diketahui tidak terdapat perbedaan hasil. Untuk penelitian selanjutnya dapat dilakukan penelitian yang berkaitan dengan perhitungan premi asuransi dan uang pertanggungan bagi calon nasabah.Kata kunci—Asuransi, SPK, AHP, TOPSI

FingerReader: A Wearable Device to Support Text Reading on the Go

Visually impaired people report numerous difficulties with accessing printed text using existing technology, including problems with alignment, focus, accuracy, mobility and efficiency. We present a finger worn device that assists the visually impaired with effectively and efficiently reading paper-printed text. We introduce a novel, local-sequential manner for scanning text which enables reading single lines, blocks of text or skimming the text for important sections while providing real-time auditory and tactile feedback. The design is motivated by preliminary studies with visually impaired people, and it is small-scale and mobile, which enables a more manageable operation with little setup