Financial System Stability in Indonesia During the Global Financial Crisis 2007/2008: Conventional Vis-à-vis Islamic

This research aims to analyze the financial stability especially in dual banking system in Indonesia and discusses the role of Islamic banks in the financial stability of national banks. In addition, this study also focuses on the analysis of the determinants of financial stability namely on the national banking Industry. This research uses panel data in which combined data between time series and cross section with an observation periods are 2005:1 - 2009:1 by using an internal variable of banks and macroeconomic data. Z-score analysis will be used as main tool analysis regressed with internal variable. Empirical results obtained from this research shows that during the period of 2005:1 - 2009:1 banking financial stability, for both conventional and Islamic and categorized based on an asset scale, the movement of the Z-score value is different. From the Z-score values analysis shows that Islamic banks are the most stable bank with a trend increased sharply when compared with other banks, namely conventional couterparts. If viewed from each category, small conventional banks more stable than small Islamic banks, and there are declining trend in 2005:1 to 2009:1. Whereas for large and middle conventional banks the trend of the Z-score movement are in the same patterns. This study also founds that the determinant of the banking stability can be seen from two sides namely bank\u27s internal factors and macroeconomic factors. Internal factors consist of: Income Diversity (ID), Credit or Financing (Loan), Total Assets (TA), Operational Cost (Cost), Cost Income (CI), Loan Asset (LA), Current Liability (CL), Cash to Current Liabilities (CCL), Capital Bank (MDL). While macroeconomic factors consist of: inflation, BI Rate, Exchange Rate, Composite Index (JCI), the Gross Domestic Product (GDP). This research also examined the extent to which the role of Islamic banks and the global financial crisis to the financial stability of national banking. This analysis shows that the global financial crisis and Islamic banks affect significantly to the financial stability of banking industries in Indonesia

Design of Equipment Rack with TRIZ Method to Reduce Searching Time in Change Over Activity (Case Study : PT. Jans2en Indonesia)

Janssen is a manufacturing plant that works in furniture assembly. Component shortages often occurs, it will cause the increase of work in process (WIP) in assembly section. In previous studies, we analyze the root causes with FMEA and then it is resulted that router section is the constraint of the system. There are many non value added activities such as searching and transportation caused by a messy condition of work places and the devices that aren’t put in the right place. The impact is that the time allocated for every change over is higher than before. There are many components that are worked by the router section, so improvements are needed to minimize changes in over time. 5S method and the use of a new design of rack by TRIZ method are suggested for fixing the conditions of work environment. It is expected to eliminate non value added activities and changes in over time. Result shows that we can reduce non value activities in change over of regular components up to 41% and the elimination of this time is 41,6%. The non value activities in changeover of new items is 36,6% and this elimination of time is 53,3%. Key word : change over, kaizen, design, TRIZ metho

Denitrifikasi Limbah Nitrat pada Berbagai Tingkat Keasaman dengan Memanfaatkan Mikroba Autotroph

A biological denitrification using autotrophic bacteria in batch suspension runs was investigated to clarify the effect of pH on denitrification rate. Elemental sulfur was employed as an electron donor. The culture of autotrophic bacteria was obtained from activated sludge by acclimatization. The effect of pH on denitrification rate could be expressed by bell-shape equation with optimum pH of 7,07. However at a pH range of 5,5 to 8,0, the denitrification rate significantly fastl. Therefore, the application of the denitrification of wastewater using autotrophic bacteria is suggested running well although without controlling pH

Development of Autotrophic Denitrification for Nitrate-contaminated Industrial Wastewater

An autotrophic denitrification system was developed for treatment wastewater from steel industry. The aim was to evaluate the kinetics and capability of the system in reducing nitrate content in such industrial wastewater. The experiments were conducted in batch suspension and continuous runs. The denitrification kinetics in suspension runs obeys first order reaction with the rate constant k1 and k2 were determined to be 0.014 and 0.004 g-N/m3.d, respectively. The continuous runs used a column packed with mixture of granular sulfur and limestone. The microbes of Thiobacillus denitrificans were attached on the surface of granular sulfur in the form of biofilm. The biofilm thickness was investigated to be approximately 40 μm. The denitrification kinetics in the packed column obeys half-order reaction with the rate constant k of 0.172 g-N1/2.m1/2/(kg-S.d). The lower denitrification extent of industrial wastewater compared with the synthetic wastewater might be due to the lack of alkalinity

Pemanfaatan Mikroba Autotroph Dalam Pengolahan Limbah Nitrat Konsentrasi Tinggi

The treatment of wastewater containing high concentration of nitrate and lowconcentration of BOD using autotrophic bacteria were conducted in batchsuspension experiment to investigate nitrate concentration level which can betreated by the bacteria. The autotrophic bacteria were enriched by acclimatingactivated sludge with inorganic substrates. The experimental result shows thatdenitrification reaction with initial nitrate concentration in synthetic wastewater from 200 to 850 mg/l proceeded according to the one-order reaction. The denitrification rate increased with increasing the initial nitrate concentration. Sulfate was detected as the by product of the denitrification reaction. The sulfate produced for 1 mmol of nitrate decreased was 1.09 mmol

Pemasyarakatan Daur Ulang Air Limbah untuk Mengantisipasi Kelangkaan Air Akibat Perubahan Iklim Global

Climate change has impact on many sectors in the earth such as on the water resources sector. For example, the occurrence of floods and droughts in Indonesia that needs to be anticipated. In the Technology Needs Assessment document of the Republic of Indonesia, there are three priorities technology of the water sector to anticipate the climate change. One of the technologies is recycling domestic wastewater. The recycling of waste water can be done through two consecutive stages. First, wastewater treatment processes itself to produce the quality standard limits allowed to be discharged into the environment. Second is processing the treated wastewater till the product water can be used for particular purpose. There are many technologies can be used for water recycling process. Selection of technology depends on the type of waste water and product water quality targets. The utilization of recycled water in the community is still very little due to the barriers of technical and non-technical factors (social, economic, regulatory and others) which need to be anticipated along. Technical barrier include technology that is relatively more expensive to treat wastewater into products that can be utilized. While the non-technical barrier is many people are still reluctant to use the recycled water due to psychological factors. Therefore sosialization of waste water recycling to be expected can eliminate such barriers