Analisis Rasio Keuangan Camel Untuk Menilai Kinerja Bank Persero Konvensional Di Indonesia Periode 2010 – 2012

The research was conducted at the state-owned banks in Indonesia Conventional whosefinancial statements have been published. The purpose of this study was to assess the performanceof state-owned banks in Indonesia Conventional period 2010 - 2012 in terms of financial ratiosCAMEL. Sources of data used in this study is an overview of data in the form of internal Internalcompany, the profile of each Government-Owned Commercial Banks (Persero) Conventional, dataon the number of customers, the legal foundation of the establishment of State-Owned CommercialBanks (Persero) Conventional and securities licensing, and financial statement data are derivedfrom the data of four (4) financial statements of the Government-Owned Commercial Banks(Persero) Conventional in Indonesia for three (3) consecutive years, ie 2010-2012. While the sourceof the data came from state-owned banks in Indonesia Conventional whose financial statementshave been published by Bank Indonesia. The financial statement data used consist of a balancesheet and income statement.Variables used to assess the performance of state-owned banks in Indonesia is Conventionalfinancial ratios CAMEL, consisting of the ratio Capital Adequacy Ratio (CAR), Bad Debt RatioRatio (BDR), Return on Assets ratio (ROA), Return on Equity ratio (ROE ), Ratio of Net InterestMargin (NIM), Ratio of Operating Expenses to Operating Income (ROA), and the ratio of loan todeposit ratio (LDR). This variable is an independent variable, where the independent variable is theindependent variable, not the independent variable is always paired with the dependent variable. Soin this study the researcher did not make comparisons and are not looking for a relationship withother variables. Therefore, research like this is called descriptive research.Results of this study indicate the financial performance of state-owned banks in Indonesiaas a whole Conventional each CAMEL financial ratios from 2010 to 2012, the ratio of CapitalAdequacy Ratio (CAR), Bad Debt Ratio Ratio (BDR), Return on Assets ratio (ROA ), Ratio Return onEquity (ROE), Ratio of Net Interest Margin (NIM), and the ratio of loan to deposit ratio (LDR) hasfluctuated increased, while the ratio of Operating Expenses to Operating Income (ROA) decreasedfrom 77.73% to 70 , 96 so it should be increased operating income, respectively Conventionalowned banks in Indonesia. Broadly speaking, its financial performance is in accordance with BankIndonesia, but there needs to be an increase in the ratios, especially the ratio Ratio of OperatingExpenses to Operating Income (ROA). This shows that the performance of state-owned banks inIndonesia Conventional CAMEL ratios in terms of the provisions of Bank Indonesia, so it can beconcluded that its financial performance from 2010 to 2012 quite well

PENGARUH PEMBERIAN JUS TOMAT (LYCOPERSICUM COMMUNE ) TERHADAP TEKANAN DARAH SISTOLIK DAN DIASTOLIK LAKI-LAKI HIPERTENSIF USIA 40- 45 TAHUN

Latar Belakang : Hipertensi merupakan kondisi tekanan darah tinggi pada pembuluh darah arteri yang berlangsung secara terus-menerus dalam jangka waktu lama. Buah tomat (Lycopersicum commune) mengandung kalium yang mempunyai efek menurunkan tekanan darah. Tujuan: Untuk mengetahui pengaruh pemberian jus buah tomat (Lycopersium commune ) terhadap tekanan darah sistolik dan diastolik pria hipertensif usia 40-45 tahun Metode: Jenis penelitian ini menggunakan desain penelitian eksperimen dengan rancangan pre-post control design. Jumlah subyek 34 orang dengan tekanan darah sistolik mempunyai tekanan darah sistolik >120-139 mmHg dan tekanan darah diastolik > 90-119 mmHg dan meminum obat antihipertensi. Jus tomat sebanyak 200 ml diberikan 1 kali sehari selama 14 hari terbuat dari 150 gram buah tomat, 2,5g gula diet dan 100 ml air. Hasil: Terdapat Penurunan tekanan darah sistolik sebesar 4,4mmHg dan tekanan darah diastolik sebesar 3,1 mmHg pada kelompok perlakuan dan pada kelompok kontrol terjadi penurunan tekanan darah sistolik 1,4 mmHg dan tekanan darah diastolik 1,4mmHg.Pemberian jus tomat berpengaruh terhadap penurunan tekanan darah sistolik dan tekanan darah diastolik setelah dikontrol dengan IMT dan asupan kalium. Simpulan:Pemberian jus tomat dapat membantu menurunkan tekanan darah sistolik dan diastolik pada laki-laki usia 40-45 tahun

Pengaruh Pemberian Jus Tomat ( Lycopersicum Commune ) Terhadap Tekanan Darah Sistole Dan Diastole Laki – Laki Hipertensif Usia 40 – 45 Tahun

Latar Belakang : Hipertensi adalah suatu keadaan sesorang mengalami peningkatan tekanan darah diatas normal yang mengakibatkan peningkatan angka kesakitan (morbiditas) dan angka kematian (mortalitas). Buah tomat (Lycopersicum commune) mengandung kalium yang mempunyai efek menurunkan tekanan darah.Tujuan: Untuk mengetahui pengaruh pemberian jus buah tomat (Lycopersium commune ) terhadap tekanan darah sistolik dan diastolik pria hipertensif usia 40-45 tahunMetode: Jenis penelitian ini menggunakan desain penelitian eksperimen dengan rancangan pre-post control design. Jumlah subyek 34 orang dengan tekanan darah sistolik mempunyai tekanan darah sistolik > 120-139 mmHg dan tekanan darah diastolik > 90-119 mmHg dan meminum obat antihipertensi. Jus tomat sebanyak 200 ml diberikan 1 kali sehari selama 14 hari terbuat dari 150 gram buah tomat, 2,5g gula diet dan 100 ml air.Hasil:Pemberian jus tomat 200ml 1x sehari selama 14 hari secara klinis tidak menunjukkan penurunan yang signifikan terhadap tekanan darah sistolik dan diastolik, tetapi menurut hasil penelitian pemberian 200ml jus tomat dapat menurunkan tekanan darah sistolik sebesar 4,4mmHg dan tekanan darah diastolik sebesar 3,1 mmHg pada kelompok perlakuan dan pada kelompok kontrol dapat menurunkan tekanan darah sistolik sebesar 1,4 mmHg dan tekanan darah diastolik sebesar 1,4mmHg dan tekanan darah diastolik setelah dikontrol dengan IMT dan asupan kalium.Simpulan:Pemberian jus tomat dapat membantu menurunkan tekanan darah sistolik dan diastolik pada laki-laki usia 40-45 tahu

Pengembangan Sistem Informasi Akademik pada SMPN 36 Bandung

Akademik merupakan salah satu bentuk kegiatan dibidang pendidikan, sisteminformasi akademik di SMPN 36 Bandung dinilai belum efektif dimana pencatatan data siswa, data guru, data nilai dan penjadwalan masih dicatat dalam pembukuan sehingga mudah rusak atau hilang serta pembuatan laporannya memakan waktu yang lama. Penelitian ini bertujuan untuk mengetahui sistem yang sedang berjalan, membuat perancangan dan mengembangkan sistem informasi akademik yang diusulkan.Dalam pengembangan sistem informasi akademik penulis menggunakan metode pendekatan terstruktur dengan menggunakan alat bantu berupa data flow diagram serta entity relathionship diagram. Metode pengembangan menggunakan metode prototype. Bahasa pemograman yang digunakan dalam mengembangkan sistem informasi akademik adalah java netbeans dan database yang digunakan adalah mySQL.Melalui hasil dari penelitian di SMPN 36 Bandung yang berupa sistem informasi akademik diharapkan dapat membantu bagian Tata Usaha dalam mengelola data siswa, data guru, data nilai dan penjadwalan lebih cepat dan dapat mengurangi kesalahan dalam proses pencatatan data serta mengurangi kesalahan dalam penyampaian laporan

Peningkatan Kualitas Jaringan Distribusi Tegangan Menengah dengan Optimasi Konfigurasi

Optimalitation of distribution line configuration on 20 Kv case for reconfiguration of distribution line without changed load sytem but with setting or regulate of switch in the feeder. In this case purpose is reduce losses in feeder.In this case, did in IEEE 69 bus type distribution line analysis that consist of 1 head transformer from relay station, 73 of lines, 5 of tie lines, 69 switch and 8 lateral

Potential Risk Analysis of Fire Hazard and Explosion and Its Impact on Workers and Community in PT. Pertamina-terminal BBM Rewulu

Purpose: The purpose of this paper is first, to understand the fire hazard level, the radius of exposure (radiation and possibility to exposed flame and explosion) and the effect to the worker. And second, to understand the smoke pollutant dispersion and the effect to the public health and air quality.Method: Dow's Fire and Explosion Index to calculate fire hazard level; Point Source Radiation Model to calculate the radiant heat flux and the effect to the worker, Gausian Dispersion Model to calculate the smoke dispersion and the effect to the public health and air quality.Findings: The level of fire and explosion hazard on all grade A fuel tank at PT Pertamina TBBM Rewulu is Moderate. There are no significant health effect in that concentration but it could increase acidity in rain.Practical implications: Pertamina need to make 1) additional wall tires to separate the tank of one heap with another, it is to localize if there is a spill of fuel material; 2) create a water cooling system for the tank that is considered to be impacted by heat over the critical heat flux; 3) establish evacuation paths around easy-to-use tanks; 4) provide sufficient lighting around the location of the tank heap; 5) providing education and training to local residents in facing the impact of pollutant smoke exposure.Originality: The paper contributes to our understanding that workers' safety and health in the petroleum industry depends on workplace conditions