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The purpose of this study is to analyze the influence of BOPO, NPL, NIM and CAR on thefinancial performance of banks listed on the Indonesia Stock Exchange in the period 2006 to 2009.Samples were taken based on purposive sampling of 28 banking companies with the followingcriteria: the company issued financial statements for four consecutive years ie 2006 to 2009. Thetype of data used are secondary data and data collection methods through technicaldocumentation. Analysis technique used is normality test, the classical assumption, and multiplelinear regression based on the merging of data time series and cross section called the polleddata. The results showed that variables significantly and negatively related BOPO against thebank's financial performance, the NPL variable has negative and significant impact on thefinancial performance of banks, NIM variable has positive and significant impact on the financialperformance of banks and CAR does not affect the bank's financial performance. The ability of thebank's financial performance could be explained by variables BOPO, NPL, NIM and the CAR of97.5%, Sebagimana shown by the Adjusted R-Square of 0.975. The remaining 2.5% is explained byother factors outside the model.Key Words: BOPO, Non-Performing Loans, Net Interest Margin, Capital Adequacy Ratio and thebank's financial performance.

Abstract: The right comes from human intellectuals covers three things, they are: works, invention, and brand. The exclusivity of intellectua lproperty rights ban people to multiply, publish, without permition. This comes from the individual and capitalistic thought from western culture. It is different with Indonesian culture which put public and common interest as a first priority. The effort to balance the exclusive and individual right and public rights must be conducted. Keywords: intellectual rights

Abstract: The phenomenon in empirical domain of saving and credit cooperation is believed to have destroyed the ideal concept of cooperation. However, the norms can not protect the concept. Saving and credits are often used by the managerial, mostly businessmen to offer saving and draw credits from the society. The unbalance of of the contributed capital and the authority of drawing credit risks in the security of the creditors. The lack of the rules in cooperation Rules about if unmet of formal requirements causes the managerial to take the responsibility personally gives a lot of advantages to the managerial. It is because the managerial conduct cooperation as a firm with a very limited responsibility. Keywords: cooperation, changes of cooperation rules

Decision support system of credit giving is a computer-based information system that can be used as a tool for manager of the credit department to decide received  whether or not the loan application that submitted by customers. In the decision support system of credit giving uses principles of assessment called the 5 C. The 5 C are character, capacity, capital, collateral,  dan condition. Principles of  the 5 C will be taken for credit giving consideration. While preference for the weighting of criteria using Analytical Hierarchy Process. Overall, the existing process on the decision support system  of  credit giving is manager assigned the criteria, sub criteria, sub-sub criteria and the score. Then manager give preference of criteria to generate criteria weights. The data has been inputted by manager is used by staff of credit department  to perform the assessment so that can be produced a credit decision is received or rejected.