Analisis faktor-faktor yang mempengaruhi nasabah dalam memutuskan menabung di bank BRI unit Tumpang

ABSTRAK Bank umum adalah bank yang melaksanakan kegiatan usaha secara konvensional dan atau berdasarkan prinsip syari’ah yang dalam kegiatannya memberikan jasa dalam lalu lintas pembayaran. Dalam suatu pelayanan jasa, kualitas pelayanan sangat diperlukan demi menarik konsumen dan memberikan kepuasan terhadap konsumen yang menggunakan jasa tersebut. Kualitas pelayanan adalah perbandingan antara kenyataan dengan harapan pelanggan atau nasabah. Bank sebagai lembaga keuangan yang menghasilkan jasa keuangan juga membutuhkan strategi pemasaran untuk memasarkan produknya. Strategi ini dikenal dengan nama marketing mix yang terdiri dari 4P (product, price, location, promotion). Tujuan dilakukannya penelitian ini adalah untuk menjelaskan pengaruh kualitas pelayanan (x1) dan strategi pemasaran (x2) terhadap keputusan nasabah menabung di bank BRI Unit Tumpang secara parsial atau individu maupun secara simultan atau bersama-sama. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan menggunakan pendekatan survei dan teknik pengambilan sampelnya adalah dengan metode Probability Sampling, yaitu teknik pengambilan sampel yang memberikan peluang sama bagi setiap anggota populasi untuk dijadikan sampel. Instrument penelitian ini berupa kuesioner. Pengujian instrument menggunakan uji validitas dan uji reliabilitas. Sedangkan metode analisis data menggunakan regresi linier berganda dengan uji F dan uji t. Hasil penelitian ini menunjukkan bahwa variable kualitas pelayanan (X1) dan variable strategi pemasaran secara bersama-sama mempunyai hubungan dan pengaruh yang signifikan terhadap keputusan menabung di bank BRI Unit Tumpang dengan koefisien regresi berganda sebesar ( R ) 0,461 atau 46,1% dan tingkat signifikan 0,000 serta nilai F hitung sebesar 14,402. Selain itu nilai R square yang diperoleh adalah 0,212 (21,2%). Variable yang berpengaruh signifikan secara parsial adalah kualitas pelayanan (X1) dengan nilai p = 0,004 < 0,05 sedangkan variable strategi pemasaran (X2) tidak berpengaruh signifikan secara parsial terhadap keputusan menabung (Y) karena nilai p = 0,103 < 0,05. ABSTRACT Public Bank is the bank does effort activity conventionally and based on Shariah principle in which activities give services in a traffic payment.. In a service, quality of care is needed in order to attract consumers and to give satisfaction to the consumers who use these services. Quality of service is the comparison between the reality and wish customers or clients. Banks as financial institutions that produce financial services also need a marketing strategy to market its products. This strategy is known as the marketing mix consisting of the 4Ps (product, price, location, promotion). The purpose of this study is to explain the effect of quality of service (x1) and marketing strategies (x2) against the decision of customers save money in the bank BRI Unit Tumpang partially or simultaneously individually and togetherness. The type of study is used by reasearches is quantitative research by using a survey approach and sample collection technique is the method of probability sampling, that is technique of sample taking give opportunities for every member of the population to be sampled. Instrument of research is a questionnaire. Testing instrument uses the validity testing and reliability testing. While the methods of data analysis uses multiple linear regression with the F test and t test. These results indicate that the variable quality of service (X1) and variable marketing strategies together to have a relationship and a significant influence on the decision to save the bank BRI Unit Mixed with regression coefficient of (R) 0.461, or 46.1% and a significant level 0.000 and the calculated F value of 14.402. Besides the R square value obtained was 0.212 (21.2%). Significant variable affecting the quality of service is partial (X1) with p-value = 0.004 < 0.05, while marketing strategy variables (X2) had no significant effect on the decision to save partial (Y) for p-value = 0.103 <0.05

Développement d'outils moléculaires d'identification et d'analyse de la biodiversité de l'écosystème bactérien du saumon fumé

Les outils moléculaires PCR, PCR-RFLP basés sur le polymorphisme de la région intergénique (ISR) 16S-23S de l'ADNr ont été développés pour l'identification spécifique et rapide de bactéries du saumon fumé : Lactobacillus farciminis, Lb. alimentarius, les huit espèces de Carnobacterium et Photobacterium phosphoreum. Ces méthodes ont été validées par l'identification d'un grand nombre d'isolats bactériens de ce produit. En parallèle, la dynamique de bactéries du saumon fumé au cours du stockage au froid pendant 5 semaines a été suivie par la méthode TTGE (Temporal Temperature gradient Gel Electrophoresis). L'ADN bactérien a été extrait directement de la matrice, sans culture préalable des bactéries. La TTGE a permis de détecter toutes les espèces bactériennes identifiées par les méthodes moléculaires. Par électrophorèse en champ pulsé en utilisant l'enzyme I-CeuI, le nombre de copies de l'opéron rrn a été déterminé et la taille du génome des huit espèces de Carnobacterium a été estimée.Molecular tools based on the polymorphism of 16S-23S rDNA intergenic spacer region (ISR) were established for specific and rapid identification of bacteria isolated from smoked salmon: Lactobacillus farciminis, Lb. alimentarius, the eight Carnobacterium species and a spoilage bacterium, Photobacterium phosphoreum. The ISR sequence analysis allowed the construction of specific primers for these species. These tools have been applied to identify bacterial isolates from this product. Furthermore, the dynamic of bacteria in smoked salmon was monitored by TTGE (Temporal Temperature gradient Gel Electrophoresis) method. The bacterial DNA was extracted directly from smoked salmon, without bacterial culture. The TTGE technique allowed the detection of the same bacterial species identified by molecular tools developed in this study. The copy number of rrn operon has also been determined by PFGE using I-CeuI enzyme, allowing the estimation of the genome size of each Carnobacterium species.NANTES-BU Sciences (441092104) / SudocSudocFranceF

Characterization of a bacteriocin produced by Lactobacillus sakei R1333 isolated from smoked salmon

International audienceStrain R1333, isolated from commercially available smoked salmon, was identified as Lactobacillus sakei based on biochemical tests, sugar fermentation reactions (API 50 CHL), PCR with species-specific primers and sequencing of the 16S rRNA gene. Strain R1333 produces a 3811 kDa class Ila bacteriocin, active against Streptococcus caprinus, Streptococcus macedonicus, Streptococcus spp., L sakei, Lactococcus lactis subsp. lactis. Listeria innocua, Listeria ivanovii subsp. ivanovii and Listeria monocytogenes. The mode of activity against L innocua 2030C and L ivanovii subsp. ivanovii ATCC 19119 was bactericidal, resulting in cell lysis and enzyme- and DNA-leakage. The highest level of activity (1600 AU/mL) was recorded when cells were grown at 30 degrees C in MRS broth (initial pH 6.5). Only 800 AU/mL was recorded when strain R1333 was grown in MRS without Tween 80. Lower levels of bacteriocin production were recorded when strain R1333 was grown in MRS at 20 degrees C. Peptide R1333 adsorbs at low levels (200 AU/mL) to producer cells. Purification of bacteriocin R1333 was performed by 60% ammonium sulfate precipitation, followed by separation on a SepPak C(18) column and reverse-phase HPLC on a Nucleosil C18 column with a linear gradient from 0.1% TFA to 90% acetonitryl. A molecular mass of 3811 kDa was determined by mass spectrometry. Based on mass spectrometry and sequencing of the PCR amplified fragment targeting the sakG gene, L sakei R1333 is a potential producer of sakacin G. This is the first report of the identification of sakacin G produced by L. sakei isolated from smoked salmon. (C) 2010 Elsevier Ltd. All rights reserved