Revitalising Reserve Requirement In Banking Model: An Industrial Organisation Approach

The objective of reserve requirement as a policy tool is mainly to control money supply in the economy. However, the changes of reserve requirement also affect banks´ interest rates. Thus, the changes will have an effect on banking optimal behaviour in maximising profits. Using the industrial organisation approach, this paper will evaluate the Indonesian banking sector in the course of designing an unconventional reserve requirement policy that link a bank´s reserve requirement ratio to the bank´s loan to deposit ratio. When a bank´s loan to deposit ratio increases, the bank will have a smaller ratio of reserve requirement. This incentive mechanism was implemented to accomplish Bank Indonesia´s intentions of increasing loan growth and reducing the “excess liquidity” in the Indonesian banking sector. The paper reveals that the policy is effective in boosting bank loans and consequently decreasing excess liquidity. It also suggests that the policy could provide another tool for the central bank to impact bank liquidity in order to support financial system stability.

Effect of Piper betle and Brucea javanica on the Differential Expression of Hyphal Wall Protein (HWP1) in Non-Candida albicans Candida (NCAC) Species

The study aimed to identify the HWP1 gene in non-Candida albicans Candida species and the differential expression of HWP1 following treatment with Piper betle and Brucea javanica aqueous extracts. All candidal suspensions were standardized to 1 x 10(6) cells/mL. The suspension was incubated overnight at 37 degrees C (C. parapsilosis, 35 degrees C). Candidal cells were treated with each respective extract at 1, 3, and 6 mg/mL for 24 h. The total RNA was extracted and reverse transcription-polymerase chain reaction was carried out with a specific primer of HWP1. HWP1 mRNAs were only detected in C. albicans, C. parapsilosis, and C. tropicalis. Exposing the cells to the aqueous extracts has affected the expression of HWP1 transcripts. C. albicans, C. parapsilosis, and C. tropicalis have demonstrated different intensity of mRNA. Compared to P. betle, B. javanica demonstrated a higher suppression on the transcript levels of HWP1 in all samples. HWP1 was not detected in C. albicans following the treatment of B. javanica at 1 mg/mL. In contrast, C. parapsilosis and C. tropicalis were shown to have HWP1 regulation. However, the expression levels were reduced upon the addition of higher concentration of B. javanica extract. P. betle and B. javanica have potential to be developed as oral health product.Article Link : http://www.hindawi.com/journals/ecam/2013/397268

The global adoption of Industralised Building System (IBS) : lessons learned

Industrialised Building Systems (IBS) is typically used interchangeably with other terms such as prefabrication, offsite manufacturing, offsite construction, and modern method of construction (MMC), industrialised building and industrialised construction. Nevertheless, the term modern method of construction (MMC) has been used to collectively describe both offsite-based construction technologies and innovative onsite technologies in the United Kingdom. It is evident that there exist a wide range of contextual issues which stems from the definition of these terminologies. However, lack of previous research has explored the relationship between these terminologies. Therefore, this paper emphasises the contrasting concepts of IBS and MMC, and concludes that ill-defining the MMC-IBS terms leads to misunderstanding, uncertainty and prejudice of the IBS concept and its benefits besides the adoption of IBS in global, which will be detrimental to efforts promoting the use of IBS in the construction industry

Pembelajaran Bahasa Inggris Bagi Anak Usia Dini Versus Budaya Lokal

Mengenalkan bahasa Inggris sejak dini seyogyanya perlu didukung oleh sarana dan prasarana yang memadai. Guru sebagai komponen pengelola proses pembelajaran perlu memahami kerangka berpikir anak usia dini (AUD) agar pengelolaan pembelajaran dapat dilakukan dengan baik. Pembelajaran hendaknya dikelola sedemikian rupa agar tercipta kegiatan belajar yang bermakna dan menyenangkan. Penggunaan nyanyian (song) sebagai media pembelajaran merupakan salah satu upaya bagi terciptanya pembelajaran bahasa Inggris yang bermakna dan menyenangkan, yang “asyik”, bagi anak usia dini. Pembelajaran bahasa Inggris dapat disiasati dengan berbagai cara – metode dan teknik serta permainan (games) maupun media pembelajaran – yang akan membuat anak tidak merasa sedang belajar tetapi sedang bermain, sehingga anak merasa asyik belajar Inggris. Bahkan budaya lokal pun dapat digunakan sebagai sarana ampuh dalam menciptakan pembelajaran yang asyik bagi AUD. Tulisan ini akan membahas pembelajaran bahasa Inggris bagi AUD secara umum, dan belajar melalui nyanyian secara khusus. Pembelajaran bahasa Inggris yang menyenangkan akan menghindari AUD dari kejenuhan dan rasa bosan atau bahkan trauma terhadap bahasa Inggris

Peningkatan Nilai Overall Equipment Effectiveness pada Proses Pembuatan Kaca Cermin dengan Metode Fmea

PT. ABC as the manufacturer of the mirror trying to make improvements is effective in all production lines, the achievement of value of Overall Equipment Effectiveness (OEE) in the production department shows a very low OEE value. The main factors affecting the low value of the OEE is a factor of downtime, machine performance and high defect rate during the production process. Through analysis of the Six Big Losses obtained three factors, including the factor breakdown, reduce speed and quality losses. To identify losses and reduce the chances of system failure or process performed the analysis using FMEA method with the objective of determining the value of the highest RPN to priority improvements. The highest RPN value to the breakdown and quality was caused by the low quality of raw glass. While the highest RPN value to reduce speed due to the size factor process inefficient. Through the method of 5W+1H drawn up plans for corrective action to be deployed in production department. After doing the improvements for six months as recommended, the OEE value increased

Deposition of ZnO-Al (AZO) thin films for optical properties

Zinc Oxide (ZnO) is an inorganic compound and it is doped with aluminum to increase its capabilities. Aluminum Zinc Oxide (AZO) thin films are semiconductor materials that have band gap energy of 3.3eV. Various method of deposition have been study to growth AZO thin films. It has been extensively use in solar cell application, display application, gas sensing purposes, and thin film transistors (TFTs). In this work, sol gel method and spin coating was used to deposited AZO thin films. The ZnO sol-gel were synthesized using zinc acetate dihydrate as precursor, isopropanol as solvent, diethanolamine as sol stabilizer, and distilled water as oxidation agent. Then, synthesized ZnO were doped with different mole ratio of aluminum nitrate nanohydrate to produced AZO. The glass substrate was used as substrate and AZO thin films were then calcinated at 300°C and 500°C. The characterization of AZO thin film were done using X-ray Diffraction (XRD), Atomic Force Microscopy (AFM), Ultraviolet-visible spectroscopy (UV-Vis), Field Emission Scanning Electron Microscope (FESEM), and Energy Dispersive X-ray spectroscopy (EDX). The XRD results show that the ZnO with hexagonal wurtzite-type structure and temperature does have effect on the film intensity which related to crystallinity of thin films. Through AFM analysis, the value of RMS decreases from 3.018 nm to 2.240 nm as the temperature increases. Meanwhile, from UV-Vis result, it can be seen that AZO thin film have a high transmittance percentage above 90% after wavelength 400 nm with band gap value of 3.3 eV. FESEM image show that the grain boundary of AZO decrease with both parameter (mole ratio and calcinations temperature). Both parameters do have effect on AZO thin film. EDX analysis shows that there are existence of zinc, oxide, and aluminum

Analisis Motivasi Kerja Pegawai Bagian Umum Sekretariat Daerah Kabupaten Kuantan Singingi

The General Affairs Staff of the Regional Secretariat of Kuantan Singingi Regency in carrying out their dutie and functions within the last five years, namely 2012 to 2016 where during the five year the realization of theactivities never reached the target so the activity funds that were not implemented were returned to the State treasury. Likewise with the number of activities the experience fluctuations even thought activities should incrase every year. Motivation given by the General Section of the Regional Secretariat of Kuantan Singingi Regency to employes was similar to allowance wherein the last five years the performance allowances and job allowances had not changed only welfare benefit had increased. Judging from the type of research this type of research is a descriptive expendited survey and quantitative and qualitative data analysis. The sample in this study is the Civil Service State (ASN) General Section of the Regional Secretariat of Kuantan Singingi Regency in 2016, amouting to 15 people. The result of the study of the overall response weight of respondents 1158 with the average response of respondent is 3.86 which is on the interval scale 3.41-4.20, this shows that responses of respondent to the analysis of employe motivation at the General Section of the Regional Secretariat of Kuantan Singingi Regency is agree or equal to the motivation needed to carry out their duties