<h1>Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan BPR terhadap penyaluran kredit di kota Semarang. Data yang digunakan merupakan data sekunder yang diambil dari Laporan Publikasi Otoritas Jasa Keuangan. Data yang diperoleh sebanyak 69 laporan keuangan BPR di Kota Semarang dari tahun 2014-2016. Metode yang digunakan untuk menganalisis data adalah Analisis Regresi Linier Berganda. Penelitian ini menggunakan alat analisis SPSS Versi 16. Hasil penelitian menunjukkan bahwa DPK (Dana Pihak Ketiga), ROA (Return on Asset), NPL (Non-performing Loans), CAR (Capital Adequacy Ratio), dan LDR (Loan to Deposit Ratio) secara bersama-sama memiliki pengaruh signifikan terhadap penyaluran kredit di BPR Kota Semarang. Sementara secara parsial ROA (Return on asset), NPL (Non-performing Loans), CAR (Capital Adequacy Ratio) tidak memiliki pengaruh, sementra DPK (Dana Pihak Ketiga) dan LDR (Loan to Deposit Ratio) memiliki pengaruh yang signifikan terhadap penyaluran kredit sehingga Bank Perkreditan Rakyat harus menghimpun Dana Murah dari Masyarakat agar kredit yang disalurkan memiliki bunga Kredit yang Kompetitif dan menjaga likuiditasnya agar ratio LDR tetap berada di ratio yang ditetapkan Bank Indonesia.</h1>

<p><strong>ABSTRAK</strong></p><p>Perusahaan Daerah Badan Kredit Kecamatan (PD. BKK) merupakan salah satu badan usaha milik pemerintah provinsi jawa tengah yang menjadi sumber pendapatan asli daerah. Keberadaan PD. BKK membantu perekonomian masyarakat di Jawa tengah dalam bentuk simpanan dan penyaluran pinjaman untuk kegiatan usaha. Jumlah unit PD BKK yang banyak membuat tata kelola manajemen dan pengendalian internal tidak bisa berjalan dengan maksimal seperti banyak terjadi kredit bermasalah penyelewengan dana dan sebagainya. Salah satu upaya untuk meminimalkan permasalahan   internal tersebut adalah dengan merger. Perda No. 4 tahun 2017 tentang Pembentukan PD BPR BKK Jawa tengah menjadi awal pelaksanaan merger PD BKK Jateng. Hasil analisis sebelum merger menunjukkan bahwa kinerja perusahaan yang dilihat dari rasio keuangan menunjukkan beberapa rasio keuangan   hasil yang tidak bisa mencapai nilai maksimal seperti ROA dan CAR hal ini disebabkan oleh adanya kerugian dan belum adanya permodalan dari pemrov jateng. Setelah dilakukan merger, kinerja keuangan mendapatkan hasil yang berbeda pada tahun 2018. Hal ini ditunjukkan dengan Rasio ROA dan CAR yang semakin meningkat dikarenakan adanya beberapa penghapusan beberapa kredit/aset bermasalah dan adanya tambahan setoran modal dari pemrov.</p><p>Kata Kunci: Merger, Kinerja keuangan, Perusahaan Daerah          </p><p>  </p><p><strong><em>ABSTRAC</em></strong></p><p><strong><em></em></strong><em>Perusahaan Daerah Badan Kredit Kecamatan</em><em> (PD. BKK) is one of the business entities owned by the Central Java provincial government which is a source of local revenue. The existence of PD. BKK helps the economy of the people in Central Java in the form of deposits and lending for business activities. The large number of PD BKK units that make management governance and internal control unable to run optimally as many credit problems occur are misappropriation of funds and so on. One effort to minimize these internal problems is by merger. Perda No. 4 of 2017 concerning the Establishment of PD BPR BKK Java is the beginning of the implementation of the merger of PD BKK Central Java. The results of the analysis before the merger show that the company's performance seen from financial ratios shows some of the results of financial ratios that cannot reach maximum values such as ROA and CAR due to the existence of losses and the lack of capital from the Central Java provincial government. After a merger, financial performance gets different results in 2018. This is indicated by the increasing ROA and CAR ratio due to the elimination of several credit / problem assets and additional capital deposits from the provincial government.</em></p><pre><em>Keywords: Mergers, Financial Performance, Regional Companies</em><em></em></pre>

<p>Hubungan relasi antara penyedia jasa konstruksi dengan pelanggannya memperngaruhi kelangsungan bisnis penyedia jasa konstruksi. Adanya perubahan kondisi lingkungan eksternal perusahaan penyedia jasa konstruksi saat ini, harus disikapi dengan menerapkan strategi untuk tetap bertahan. Tujuan yang hendak dicapai dalam penelitian ini adalah untuk mengalisis strategi membangun hubungan baik perusahaan jasa konstruksi terhadap pelanggannya untuk terus mendapatkan proyek konstruksi. Metode penelitian yang digunakan dalam penilitian ini yaitu menggunakan pendekatan fenomenologi kualitatif. Hasil penelitian ini adalah: strategi untuk membangun hubungan baik antara perusahaan jasa konstruksi dengan pelanggannya yaitu dengan menggunakan strategi <em>customer relationship management</em> (CRM) dengan menerapkan komponen proses, manusia dan teknologi. Memberikan pelayanan yang berkualitas untuk pelanggannya sehingga meningkatkan nilai kepuasan pelanggan pada kualitas pelayanan dan kualitas produk.</p><p>Relationships between construction service providers and their customers affect the business continuity of construction service providers. Changes in the current external environment of construction service providers must be addressed by implementing strategies to stay afloat. The objective to be achieved in this research is to analyze the strategy of building good relations between construction service companies and their customers to continue to get construction projects. The research method used in this research is to use a qualitative phenomenological approach. The results of this study are: a strategy to build good relations between construction service companies and their customers by using a customer relationship management (CRM) strategy by applying process, human and technology components. Providing quality services for its customers thereby increasing the value of customer satisfaction on service quality and product quality.</p>

<p>Studi ini meneliti perilaku adopsi individu dari situs jejaring sosial paling populer saat ini Instagram. Pengaruh pada intensi terhadap penggunaan jejaring sosial berdasarkan persepsi kemudahan penggunaan individu (PEU), persepsi kemanfaatan (PU) dan kepercayaan secara empiris diperiksa dengan kumpulan data primer dari 95 mahasiswa Administrasi Bisnis di Politeknik Negeri Malang, pengguna Instagram dikumpulkan dari survei kuesioner. Hasil penelitian menunjukkan bahwa model TAM media sosial yang diusulkan dalam penelitian ini mendukung semua hipotesis intensi terhadap penggunaan media sosial. Hasil penelitian ini memberikan bukti untuk pentingnya variabel kunci tambahan untuk TAM dalam mempertimbangkan keterlibatan pengguna di situs media sosial dan strategi bisnis terkait media sosial lainnya.</p><p><em>This study examines individual adoption behavior of the most popular social networking site   Instagram. The influences on the intetion toward using social networkinf based on individual s perceived ease of use (PEU), perceived usefulness (PU) and trust is empirically examined with a primary data set of 95 students of Business Administration at State Polytechnic of Malang, users of Instagram gathered from a questionnaire survey. The results demonstrate that the revised social media TAM model proposed in this study supports all the hypotheses of intention toward using social medial. The results of this study provide evidence for the importance of additional key variables to TAM in considering user engagement on social media sites and other social-media related business strategies.</em></p>

<p>Penelitian ini bertujuan untuk mengetahui hubungan antara beban kerja dan kerjasama tim terhadap kinerja Pegawai dengan motivasi kerja sebagai variabel intervening. Jumlah populasi sejumlah 175. Sampel penelitian ini menggunakan 158 responden yaitu dari Pegawai Negeri pada Polri di Bagsumda Polres Jajaran Polda Jateng. Alat analisis yang digunakan pada penelitian ini adalah SEM. Hasil penelitian menunjukkan bahwa variabel independen (beban kerja) mempengaruhi kinerja Pegawai. Motivasi kerja terbukti sebagai variabel mediasi antara beban kerja terhadap kinerja Pegawai.</p><p>This study aims to determine the relationship between workload and teamwork on employee performance with work motivation as an intervening variable. The total population is 175. The sample of this study used 158 respondents, namely from the Civil Servants at the National Police in Bagsumda, Central Java Regional Police. The analytical tool used in this study is SEM. The results showed that the independent variable (workload) affected the employee's performance. Work motivation is proven as a mediating variable between workload and employee performance.</p><p>  </p>

Peran gereja merupakan peran yang sentral di dalam kehidupan penganut Kristen. Selain menjadi tempat pergumulan bagi orang yang percaya, gereja juga adalah jantunganya bermisi atau melakukan penginjilan bagi orang-orang yang belum mengenal Injil atau   suku-suku   yang   terabaikan. Penginjilan sering diartikan sebagai usaha untuk memberitakan kabar baik kepada orang-orang yang belum mengenal Yesus Kristus dengan tujuan agar mereka dapat menerima Dia sebagai Tuhan dan sebagai Juruselamat pribadi.
 

<p><em>One form of physiotherapy is utilizing heat for recovery. Heat therapy can open blood vessels wider, thereby increasing blood flow and supply of oxygen and nutrients to reduce pain in joints, muscles, ligaments and injured tanks. To help health services in the field of physiotherapy the author modifies the therapeutic pillow with Arduino Uno and DS18B20 based as a temperature sensor, LCD as a temperature viewer and a timer and button that functions to choose how long it takes to do therapy. The design of therapeutic pillows is divided into two, namely hardware and software design, hardware design including power supply, a series of drivers and system scenarios. While the software design of this tool uses the Arduino and proteus applications as software. The result of the percentage error at the TP2 measurement is 0.02%. The measurement results on TP3 when the tool is off or off, then the circuit does not get a voltage while when the device is turned on or on the driver circuit gets a voltage of 1.4 Volt. After making the process of making, testing, testing tools and data collection, the author has succeeded in designing a heat therapy pillow using a temperature sensor and ARDUINO UNO based timer controller that can provide convenience when going to heat therapy because it is equipped with an automatically controlled temperature sensor and controller timer. by DS1820 temperature sensor. A therapeutic pillow based on Arduino with 10 minutes of therapy results in a </em><em>temperature of 41</em><em> °C.</em></p><div id="gtx-trans" style="position: absolute; left: 192px; top: 89.9861px;">  </div>

High economic growth makes the demand for comfortable and safe houses increase and the application of technology that is most clearly seen is technology with automatic systems. With this technology, the use of electricity in the house can be minimized and offer convenience in controlling the house. Sometimes homeowners forget to turn off the lights when they are outside the house so they have to go back and do checks that are very inefficient both in terms of time and financially such as the cost of gasoline to return to the house. Based on this, the Smart Home Prototype was created with the concept of the Internet of Things (IoT) using Raspberry Pi Web-Based, which is a system that can remotely control electronic home appliances using Raspberry Pi as a base system, which is connected to Web Applications through the internet network. The electronic equipment used in this study is in the form of 5 lamps, 1 stepper motor to control the garage, 1 servo motor to control the door lock, and 1 brushless motor that functions as a fan. Blocking and overall test results on Bedroom Lights, Living Room Lights, Kitchen Lights, Bathroom Lights, Porch Lights, Garages, Door Locks, and Fans, all work well. The testing of the distance between cities against the Prototype Smart Home was successfully carried out, where the Prototype Smart Home in the City of Demak was successfully controlled by the User who at the time of testing was in the City of Semarang, Kudus, Japan, Surabaya, and Jakarta.

A class D amplifier is one in which the output transistors are operated as switches. When a transistor is off, the current through it is zero and when it is on, the voltage across it is small, ideally zero. Thus the power dissipation is very low, so it requires a smaller heat sink for the amplifier. Class D amplifier operation is based on analog principles and there is no digital encoding of the signal. Before the emergence of class D amplifiers, the standard classes were class A, class AB, class B, and class C. The classic method for generating signals driving a transistor MOSFET is to use a comparator. One input is driven by an incoming audio signal, and the other by a triangle wave or a sawtooth wave at the required switching frequency. The frequency of a triangular or sawtooth wave must be higher than the audio input. MOSFET transistors work in a complementary manner that operates as a switch. Triangle waves are usually generated by square waves fed to the integrator circuit. So the main part of processing audio signals into PWM (Pulse Width Modulation) is the integrator and comparator. In this paper, we will discuss the work of a class D amplifier system using the summing integrator method as its main part.

A good and feasible centrifuge is needed in the world of health, therefore a digital tachometer is needed to calibrate a centrifuge. Digital tachometer is a measuring instrument used to measure the rotation speed of a motor. This tachometer will be tested to function by being compared to using Digital Laser Photo Tachometer. This tachometer will display the number of rotations per minute of a motor according to the speed setting on the centrifuge using the output of this E18-D80NK sensor which will later be processed by the Arduino Nano. As for this feature charger and data storage mode, so that user can save the data of measurement results on SD Card, and beside that user can also be a way of charging when after usage or before usage. At testing the tool used point settings 1000, 2000, 3000, 4000, 5000, and 12000 RPM. Based on the measurement results of centrifuge using tachometer module and comparison tachometer have average percentage of error varying at each setting point. The smallest error 0.8% at the setting Point 3000 RPM, while the largest error 4.9% at the setting point 1000 RPM. The Tacometer error value on this Centrifuge measurement is still within the tolerance limit of ± 10%