Perbandingan Indikator Keuangan Antara Bank Umum Milik Negara Dengan Bank Umum Swasta Nasional Di Indonesia

Banks are crucial institutions for economy. Healthy banks can stabilize the economy. Bank Indonesia sets standars for a healthy bank: Capital, Assets Quality, Management, Earnings, Liquidity, and Sensitivity to Risk (CAMELS). This research is an attempt to identifity the healthiness status and different influence of variables such as CAR, NPL,ROA,ROE BOPO, and LDR on stste-owned and private banks in the period of 2003 to 2012 using CAMELS. The sample consists of four state-owned banks, that is, BNI, BRI, Bank Mandiri and BTN and four private banks, that is, BCA, Bank CIMB Niaga, Bank Danamon, and Bank Internasional Indonesia. The secondary data of these banks cover the period of 2003-2012. To analyze these data and prove the hypothesis of this research, Mann-Whitney, and Kolmogorov-Semirnov teste are used by the help of SPSS. The research results show that there exist different financial indicators used the two different groups of the banks as shown by NPL. The two test result in Asymp Sig < 0.05 meaning that NPL distinguishes the two groups. Other variables such as NPL, ROA, ROE, BOPO, and LDR do not indicate significant difference

Penggunaan Media Flash Player untuk Meningkatkan Hasil Belajar IPS pada Siswa Kelas V di Sekolah Dasar

Penelitian ini berlatar belakang karena dalam pembelajaran IPS (Ilmu Pengetahuan Sosial) guru kurang memberikan inovasi dalam pembelajaran dan kurang memahami pengkondisian kelas dalam pencapaian keberhasilan suatu pembelajaran. Pelaksanaan pembelajaran IPS kadang masih kurang bermakna terhadap siswa yang disebabkan siswa atau guru selama proses pembelajaran. Oleh sebab itu siswa kurang memahami materi yang disampaikan oleh guru akibatnya hasil belajar siswa juga belum memenuhi ketuntasan maksimal yang ditentukan oleh sekolah. Kurangnya penggunaan media dalam kegiatan belajar mengajar menjadi kendala dalam proses pembelajaran. Maka, solusi yang tepat adalah dengan menggunakan media Flash Player untuk meningkatkan hasil belajar siswa. Tujuan penelitian ini adalah untuk menganalisis aktivitas guru dan siswa, menganalisis hasil belajar siswa dengan menggunakan media Flash Player pada mata pelajaran IPS (Ilmu Pengetahuan Sosial). Penggunaan media Flash Player dalam pembelajaran diharapkan akan lebih memberikan semangat dan pengetahuan baru pada siswa. Jenis penelitian yang digunakan dalam penelitian ini adalah menggunakan PTK (Penelitian Tindakan Kelas) dan berlangsung selama tiga siklus. Penelitian Tindakan Kelas ini bertujuan untuk mendiskripsikan pelaksanaan pembelajaran, hasil belajar siswa, dan kendala-kendala yang dihadapi selama proses penelitian serta cara mengatasinya dalam pelaksanaan pembelajaran dengan penggunaan media Flash Player. Dari hasil penggunaan media Flash Player ini terdapat peningkatan aktivitas guru mencapai presentase 86,25%, aktivitas siswa mencapai 88,75%, dan hasil belajarnya mencapai 89,74%. Maka dapat disimpulkan bahwa penggunaan media Flash Player dapat meningkatkan hasil belajar IPS di Sekolah Dasar

Pengaruh Investasi, Tenaga Kerja, Pengalaman Kerja dan Kapasitas Produksi terhadap Nilai Produksi Pengerajin Perak

The purpose of this study to know whether the investment, employment, work experience, and powerful production capacity simultaneously and partially on the value of production silversmith Celuk Village. The results showed variable simultaneous investment, employment, work experience, and production capacity have a positive and significant impact on the value of production silversmith Celuk village, as well as the investment variable, work experience, and the production capacity is partially positive and significant effect, while labor positive and significant impact on the value of production silversmith Celuk Village

Completion of the Transportation Problem with Using Pascal-based Northwest Corner

Transportation problem can be solved by using the method of the Northwest Corneras the initial solution and multiplier methods for test optimization. Northwest Cornermethod is the simplest method among the methods among others to seek earlysolution. The drawback is this method not consider the per-unit transport costs inmaking the allocations, so we need some additional solution iterations before theoptimum solution obtained. But it can happen although rare, where the solution beginthe same or better can be achieved through this method. However, after using themultiplier method of transportation problems can achieve an optimum solution

Pengaruh Lama Penyimpanan Dan Warna Kerabang Terhadap Kualitas Internal Telur Itik Tegal

The purpose of this study were to (1) investigate the effects of storage time and eggshell colour of tegal duck eggs on the internal egg quality, (2) determine eggshell colour with the different storage time on score of haugh unit, pH of albumen, pH of yolk, and yolk colour. A total 72 duck egg with Completely Randomized Nest Design was used in this study. The treatments consist of 3 storage time (0, 7, and 14 days) as the main plot factor, 2 treatments eggshell colour (bright and dark) as the nest plot factor and 4 replications. Orthogonal contrast test done if there is a real variable. Based on the result showed that duck eggshell colour (bright and dark) treatments on storage time 0, 7, and 14 days did not provide significant effect on score haugh unit, pH of albumen, pH of yolk, and yolk colour of tegal duck eggs. The treatment eggshell colour (bright and dark) with a shell thickness of 0.01 mm difference with storage time 0, 7, and 14 days give the same contribution on the internal duck egg quality

Prototipe Laboratotium Bahasa Berbasis Komputer Menggunakan Model Arsitektur Three-Tier

Laboratorium bahasa adalah sebuah ruang yang berisi perangkat keras dan perangkat lunak yang berfungsi sebagai tempat para siswa untuk melatih dan mengujikemampuan bahasanya. Prototipe laboratorium bahasa berbasis komputer adalah sebuah perangkat lunak yang mengadopsi fungsi dari sebagian atau keseluruhan sebuah laboratorium bahasa. Three-Tier adalah arsitektur client-server dimana masingmasing user interface, functional process logic (business rules), data storage dan data access dikembangkan dan disusun sebagai modul-modul yang berdiri sendiri. "three-tier" atau "threelayer", adalah bagian dari multitier architectures. Sistem threetier yang diterapkan pada prototipe laboratorium bahasa berbasis komputer memberi kemudahan pada pengelolaan aplikasi perangkat lunak yang berada pada layer logik dan pengelolaan data pada layer data, karena Perubahan yang terjadi pada layer logic dan layer data tidak akan memberi pengaruh pada layer presentasi

Peningkatan Kemampuan Motorik Kasar melalui Permainan Kooperatif Bakiak Raksasa pada Anak Usia 5-6 Tahun

. This research aims to obtain objective information about the increased capabilities of the rugged motor through cooperative games giant clogs on children aged 5-6 years in kindergarten Integrated Singkawang. The research method used is descriptive research, action research the shape class. Engineering data collection consists of observation, interview and documentation. Data analysis using the technique of verification and withdrawal of the conclusion. The subject of the research is children aged 5-6 years as many as 20 children, whereas the source of data is a friend of colleague. The results of this research show that there is an increase in motor ability of abusive children aged 5-6 years through cooperative games giant clogs in kindergarten Integrated Singkawang, evidenced by the results of the measurements of the 20 children in cycle I encounter 1: flexibility of undeveloped up to 70% and 30% began to grow, b) balance reached 35% and 65% undeveloped began to develop agility, c) reached 60% and 40% undeveloped began to grow. Then experience an increase in cycle II meeting 2: a) the flexibility achieved 45% develop appropriate expectations and 55% is growing very well, b) balance of 65% develop appropriate expectations and 35% developing good agility, c) 15% started growing, evolving expectations of 60% and 15% is growing very well