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The research problem is the decrease of profitability happened in the year of 2005 and 2007. The condition indicates the existence of serious problem on banking profitability. The other problem was showed by the existence or research gap of some factors which influence on banking profitability. The samples of research are 62 domestic banks, by using multiple regression analysis.The result of this research only the listed positively and significantly influence on banking profitability, if the ownership of stock by company and exchange rate insignificantly not influence on banking profitability.

Kemajuan masyarakat baik karena pendidikan, perubahan sosial ekonomi serta faktor lainnya akan mendorong perubahan kebutuhan maupun orientasi. Apabila sebelurnnya karyawan atau pekerja mandiri cukup puas apabila penghasilannya dapat mencukupi kebutuhan mereka saat ini, namun sekarang sudah banyak yang merencanakan dan bahkan merealisasikan program pensiun sehingga mereka akan mendapatkan jaminan pendapatan tetap pada saat mereka memasuki masa pensiun. Sementara di Indonesia program pensiun baru dapat dinikmati sebagian kecil masyarakat khususnya baru mereka yang bekeria sebagai penawai negeri sipil maupun militer, badan usaha milik negara, yang disebut sebagai Dana Pensiun pemberi Kerja. Sementara kelompok pekerja lainnya sebagian besar belum diikutkan atau mengikuti program pensiun. Untuk itu perlu adanya strata revolusi atau gerakan dalam rangka memasyarakatkan program pensiun tidak saja kepada perusahaan tetapi juga terhadap pekerja pada perusahaan maupuan pekerja mandiri.

Multinational Corporation is company that operated in many products, markets and cultural, because they, have many company’s branch in foreign. So Multinational Corporation need Global Information System for coordinating their company's branch. Global Information System can connect between everyone involved decision making. Coordinating can done more effective and efficient with Global Information System, because Global Information System can give coordinating's support unlimited time and place.

Decision Support System couple the intellectual resource of individuals with the capabilities of the computer to improve the quality of decision. It's a computer based support system for management decision makers who deal with semi-structured problem. An integrated decision support system for use in an machine mollen product has been developed. It incorporates a linear Programming model that represents the contribution optimal and optimizes the production water pump and mollen machine. An optimization model is performed using a management scient model called linear programming approach in older to determine media selection. To use this model, the DSS needs ti interface with another software. Mathematical Programming is a technique used in mathematical models, particularly optimization models, to assist in decision making. The Simplex Method is "a systematic procedure for generating and testing candidate vertex solutions to a linear program." (Gill, Murray, and Wright, p. -137) It begins at an arbitrary corner of the solution set. At each iteration, the Simplex Method selects the variable that will produce the largest change towards the minimum (or maximum) solution. The  development of computer programs to be used as Decision Support Systems involves several tasks such as mathematical modeling, technical and data collection and development of a user friendly interface.

Object-Oriented Programming is innovation in development for software the last decade, moreover to appear visual programming language models. OOP concept needed for implementation components used in application preparation and preparation new component, so that to appear visual programming language models, preparation new component in veil VB programming is news interesting, except for to fill requisites unique new component, so using plentiful OOP concept.

This article discuss research progress and future opportunities for modeling consumer choice on the Internet using clickstream data and also to compare the nature of Internet choice (as captured by clickstream data) with supermarket choice (as captured by UPC scanner panel data). Though the application of choice models to clickstream data is relatively new, and review existing early work and provide a two-by-two categorization of the applications studied to date (delineating search versus purchase on the one hand and within-site versus across-site choices on the other). The article discusses additional opportunities afforded by clickstream information, including personalization, data mining, automation, and customer valuation and also offers directions for further research in these areas. Notwithstanding the numerous challenges associated with clickstream data research.

This paper discusses the performance of software, the measurement of software engineering are evaluated by comparative evaluation and analytic evaluation. In this case, the author introduces about quantitative data analysis for measurement of performances software. The tool of measurement of this statistic software e.g. SPSS

A university as an educative institution needs an assessment for the programs it has. In order to conduct such assessment , some components need to be assessed based on the internal and external factors. It is necessary to establish a decision support system toward the performance of the department. It can help the decision maker to know the condition occurred in this department. 'l he assessment of the study program's performance for evaluating can be done by underlining the components that will be assessed by making the model. The model which is prepared by applying some rules, stated in accreditation board, will be used as a reference in performance assessment for  Diploma III program. By applying a model toward the assessment criteria from the related department, it will help us to get the result. The achieved result is in form of the total score from the assessment, the score is devided into 5 class excellent, very good, good, sufficient and poor. Consequently, the report of resulting assessment can be to determine some steps to improve or maintain the recent achievement. By applying the decision support system of the department’s performance , it allow a decision maker to be able to monitor the department or the study program.

Pemakaian jaringan komputer untuk operasional perusahaan sudah merupakan suatu kehutuhun, sama seperti penggunaan ATM pada pelayanan perbankan untuk para pelanggannya. Akan tetapi biasanya jaringan yang dikembangkan oleh perusahaan tidak didukung dengan fasilitas keamanan yong memadai, seperti yang telah disurvey oleh Ernest dan Young tentang keamanan informasi, bahwa 66'% responden mengatakan security dan privacy merupakan penghambat besar penggunaan electronic commerce. Analisis Forensik Komputer merupakan usaha untuk mendapatkan bukti-bukti legal terhadap terjadinya suatu insiden, agar bukti-bukti tersebut dapat dijadikan pendukung untuk tindakan laniut terhadap tindak kejahatan komputer.

Remote sensing is the science and art of obtaining information about an object, area, or phenomenon through the analysis of data acquired by a device that is not in contact with the object, area, or phenomenon under investigations Remote sensing data is of such nature and volume as to require it to be compatible with processing and outputing by computers. They are the easiest, fastest, and most efficient way to produce images, extract data sets, and assist in decision making. One special function is to assist in manipulating other kinds of data about the spatial or locational aspects of areas in the world that are the subjects of interpretation and decision making. The bulk of the data in such systems have in common a geographical significance, that is, they are tied to definite locations on the Earth. In this sense, they are similar to or actually make up what has become a powerful tool in decision making and management. The Image-Based Information System (IBIS) was developed in 1975 at the Jet Propulsion Laboratory, and is designed to be a comprehensive geographic information system that performs operations on raster image, tabular, and graphics format data, using the Video Image Communication And Retrieval (VICAR) image processing system. This was accomplished by the creation of a new VICAR-based file format for tabulating raster format geographic information over multiple data planes.

Pembelajaran merupakan salah satu kegiatan pokok yang diselenggarakan oleh Universitas Stikubank. Meskipun saat ini kegiatan pembelajaran sudah dikomputerisasi, akan tetapi sistem yang digunakan masih belum memenuhi harapan pelaksana kegiatan. Di Universitas Stikubank, kegiatan pembelajaran meliputi lima sub kegiatan pokok : 1) Pendaftaran Rencana Studi Sementara; 2) Penetapan Rencana Studi Tetap; 3) Perkuliahan; 4) Ujian; 5) Hasil Penilaian Ujian. Kelima kegiatan tersebut terkait satu sama lain dan harus dilaksanakan secara berurutan. Salah satu perbedaan utama antara Sistem Rencana Studi di Universitas Stikubank dengan Perguruan T'inggi lain adalah di Universitas Stikubank, kegiatan pendaftaran rencana studi semester berikutnya berlangsung saat semester aktif belum berakhir sehingga menyebabkan ada dua buah data rencana studi pada satu semester berjalan, yaitu data rencana studi semester aktif dan data rencana studi semester berikutnya. Pada perguruan tinggi lain hal semacam ini tidak terjadi karena kegiatan pendaftaran rencana studi dilakukan setelah semester aktif selesai atau dengan kata lain setelah Kartu Hasil Studi dikeluarkan, dengan demikian untuk tiap semester hanya ada satu data rencana studi. Perbedaan ini menyebabkan diperlukannya strategi pengelolaan data secara khusus. Tujuan dari pendaftaran rencana studi semester berikutnya pada semester aktif adalah untuk mendapatkan secara faktual iumlah peserta mata kuliah sehingga dapat diperoleh keputusan yang lebih tepat. Dapat disimpulkan bahwa seluruh kegiatan yang berkaitan dengan perkuliahan baik langsung atau ticlak langsung telah berhasil dikomputerisasi.

This paper presents n conceptual model of Internet-based business-consumer relationship marketing with a focus on the context, content, and the process of relationship development from the consumer's perspective. The model con be divided into two broad groups. The first group is a set of contextual factors (environment, parties to the relationship, consumption task) that influence relationship development. The second group is the content and process of relationship development that can be viewed via three interrelated conceptual phases: consumer motives to seek interaction, exploration and interaction, and relationship bonding. With the rapid growth of E-commerce and on-line consumer shopping trends, the importance of building and maintaining customer loyalty in electronic marketplaces has come into sharper focus in marketing theory and practice. This paper also to present a conceptual framework of "e-loyalty" and its underlying drives.

Teknik Rekayasa Perangkat Lunak tidak saja berlaku bagi system yang bersifat besar dan organisasional, tetapi teknik ini juga dipakai secara pribadi. Salah satu database pribadi yang dapat dibuat untuk itu adalah database perpustakaan. Rekayasa Software untuk SIPP (Sistem Informasi Perpustakaan Pribadi) terdiri dari langkah-langkah : planning, design, coding, testing, maintenance. Dalam tahap analisis yang perlu dilakukan adalah : identification of need,  feasibility study, analisis secara teknis dan architecture design. Pada desain software langkah-langkah yang dilakukan adalah : membuat scope, reference documents, design description dan membuat rancangan input dan output.

Kemaiuan teknologi informasi saat ini sangat cepat, dan berpengaruh pada semua aspek kehidupan haik aspek yang menguntungkan maupun aspek yang merugikan. Perubahan yang sangat cepat itu tentunya tidak berjalan dengan sendirinya, tetapi berkat niat dan keinginan untuk memanfaatksn adanya perubahan tersebut. Dalam penggunaan komputer seseorang selalu dipengaruhi oleh berbagai faktor yang mempengaruhi keahliannya, faktor tersebut diantaranya adalah personality yang meliputi kecemasan dan sikap dalam menggunakan komputer. Kecernasan dan sikap itu akan berpengaruh pada keahlian seseorang dalam penggunaan komputer. Kecemasan ini dipengaruhi oleh sejauh mana teknologi informasi membantu tugas kita sehari-hari. Sikap adalah pernyataan evaluatif baik yang menguntungkan atau yang tak menguntungkan mengenai objek orang atau peristiwa. Sikap mencerminkan bagairnarra seseorang merasakan sesuatu. Sikap tidak sama dengan nilai, tapi keduanya dapat dihubungkan. Kesuksesan suatu teknologi informasi berkaitan erat dengan keahlian dari pemakai. Kecemasan terhadap penggunaan komputer berkorelasi negatif terhadap keahlian dalam penggunaan komputer. Semakin cemas seseorang terhadap penggunaan komputer maka semakin kurang keahliannya. Hal ini merupakan kebalikan dengan sikap, apabila seseorang bersikap menerima penggunaan komputer, maka akan mempertinggi keahliannnya dalam menggunakan komputer. Dalam penelitian ini ternyata sikap tidak mempengaruhi keahlian, hal ini tidak konsisten dengan hasil penelitian yang telah banyak dilakukan diluar negeri, ketidak konsistenan ini kemungkinan dipengaruhi oleh faktor budaya, dimana orang Indonesia tidak suka berterus terang akan keahlian yang dimiliki.

When creating databases for GIS-applications often existing maps are scanned and vectorised for used. However, vectorisation becomes obsolete when GIS-objects can be referred to both in theme and geometry in a raster environment. This article shows to use model spatial data raster and vector for GIS - applications in both the graphical and image structure. Geographical data must first be converted into a computer- readable format before it can be used in a GIS. Spatial data are "elements that can be stored in map form." These elements correspond to a uniquely defined location on the Earth's surface. Spatial data have also been describe as “any data concerning phenomenon a really distributed” in two or more dimensions. (Peuquet and Marble, I990.) Data model is the rules to convert real geographical variation into discrete objects. There are two main GIS data models - vector and raster. Each of the two data models has specific types of data, analysis and displays that can handle better than the other system. The vector model represents geographical reality as a series of discrete objects or features, classified as points, line's or areas (polygons). The geographical co-ordinates describing the locations of these features are stored in the computer database which lies at the heart of the GIS. In the raster model a regular grid of cells, or pixels, is used to encode the features found on the earth's surface. Each pixel has a number associated with it representing; the value of a geographical phenomenon, such as terrain elevation, soil type or biomass. Layers of raster grids covering the same region can be built up to represent further variables.

Perkembangan teknologi informasi yang saat ini sangat pesat ternyata menuntut adanya kesiapan dari penggunanya. Kemajuan yang terjadi tidak hanya berpengaruh pada bidang teknologi secara umum tetapi juga menyentuh hingga tatanan kehidupan sosial. Sebagai warga masyarakat yang berkesadaran sosial, setiap aktivitas manusia akan diarahkan oleh berbagai pengaruh yang pada akhirnya diharapkan dapat melakukan segala sesuatunya dengan benar secara moral, etika dan menurut hukum yang berlaku. Etika ternyata sangat dibutuhkan dalam penggunaan komputer.

Resiko yang dihadapi oleh kebanyakan pengguna atau pemakai komputer sering kurang mendapatkan perhatian yang utama dalarn perlakuan antisipasi yang mungkin akan terjadi pada komputernya. Padahal perlakuan preventif atau pencegahan ini sangat penting sekali. Para pemakai komputer baru sadar dan baru melakukan perlakuan pengamanan secara represif setelah resiko teriadi dan menimbulkan akibatkan yang sangat merugikan baik pada dirinya secara langsung maupun secara tidak langsung. Para pengguna kurang begitu menyadari dan bahkan kurang peduli terhadap perlakuan system sekuritas terhadap komputernya, hal ini diakibatkan karena pengetahuan yang terbatas dari kebanyakan pemakai komputer. Untuk itu dalam penelitian ini perlu mengambil topik tentang aspek-aspek sekuritas pada system komputer. Hasil penelitian ini dapat melakukan identifikasi masalah sekuritas komputer, yaitu menentukan bagaimana komputer dapat rusak ditinjau dari sisi perangkat keras (hardware), perangkat lunak (software), dan pengaruhnya terhadap pemakai (user), dan bagaimana langkah pencegahan sebelum terjadinya kerusakan, dan menentukan langkah penanggulangannya setelah terjadi kerusakan. Bentuk pengamanan tersebut dapat dilakukan dengan menentukan model tingkat pengamanan seperti melakukan kewaspadaan terhadap pemakai, pengamanan fisik baik fisik komputer maupun lingkungan yang terlibat. Setelah melakukan tindakan pengamanan fisik maka selanjutnya melakukan tindakaan pengamanan fungsi komputer. Ancaman yang sering dirasakan oleh pengguna komputer yang berhubungan langsung dengan keamanan data, aplikasi, dan system operasi adalah Virus komputer. Saat ini untuk proteksi data dari bentuk manipulasi data yang sedang berkembang adalah dengan cara metode enkripsi. Metode ini akan melakukan enkrip atau membual kode sandi tertentu dengan cara menyamarkan data.

Study for the effect of share trading days to the daily share returns in Stock Exchange has been carried out most invarious countries. Overseas studies produce consistent findings that the daily share returns results in negative impact on Monday (Monday Effect) and resulting inpositive impact on Friday (Week End Effect). Those effects are called as day of the week effect. The similar studies carried out Indonesia have not obtained consistent findings as similar as overseas including overseas studies make use of Ordinary Least Squares (OLS). Whereas this study does not utilize this approach, as most of the assumptions could not be fulfilled. Technical Approaches dealt with the share returns calculation dominantly affect to the amount of daily share return. These are due to the facts that the irrational factors also used by the investors to do the transactions. Consequently, the demand and supply of the share are also influenced by the behaviour of the investors them elves. Statistical approach used for examining the day effects is Autoregressive Moving Average (ARIMA) Approach. This approach is chosen as there is no hetero scedasticity or there is an existence of stationary data. To examine the difference of share trading day effects to the share returns this study utilizes Analysis of Variance (ANOVA), 244 daily aggregate share price indexes (IHSG) and LQ45 Indexes are used for this study. The findings of this study suggest that (1) all of the share trading days give a positive impact on the share returns, (2) daily aggregate share price indexes (IHSG) do significantly affect the share returns on Thursday and (3) LQ45 Indexes do significantly affect the share returns on Thursday and Friday. These findings imply that the investors should consider the day effects in deciding to be involved in share trading so that they could maximize their future returns.

Perekonomian Indonesia dalam tahun ini dan tahun-tahun mendatang akan menghadapi tantangan-tantangan berat. Pertarna, bagaimana menstabilkan nilai rupiah pada tingkat yang wajar dan meredam tingginya iaju inflasi untuk mempercepat proses pemulihan perekonomian nasional. Kedua, bagaimana mengembalikan kepercayaan masyarakat, baik dalam maupun luar negeri, terhadap perbankan nasional. Ketiga,bagaimana mendorong kembali kegiatan dunia usaha untuk membatasi kontraksi yang lebih dalam pada perekonomian. Keempat, bagaimana mengurangi penduduk miskin dari dampak krisis melalui penyediaan jaring pengaman sosial (social safety net).

In today's fast growing demand of electronic transactions, with more people accessing the internet worldwide, online shopping becomes an increasingly profitable but risk, business. Selling online becomes a very competitive business and time is a critical factor in launching a web site for business. This paper studies the strategic planning process of an electronic business project and identifies how risks can be minimized by proper planning and how planning is implemented. It also describes how to detect any changes in the marketplace so that effective measures, can be made to avoid dropping out from competitor. The emphasis is on the planning tactics, particularly in ensuring accurate tracking that is specific to the e-business start up process.