As an intermediary institution, a bank is required to operate efficiently due to the increased competition among banks, both domestic and international. However, not all banks are able to optimize their owned resources to reach a certain efficiency level. Thus, efficiency plays an important role in this era of more globalized banking competiti on. The objective of this study is to calculate the banking efficiency score for the ASEAN-5 countries, consisting of Indonesia, Malaysia, the Philippines, Singapore, and Thailand. Using Data Envelopment Analysis (DEA), the input variables comprised of employees’ benefits, fixed assets, and deposits; while the output variables were total income and loans. The results show the relatively high efficiency levels of every bank in each country. The achievement of an input-output efficiency variable in the first period (2006-2009) tended to increase, but the second period (2010-2013) showed a declining trend. The performance of the banks in Singapore during the first period was very good, while in the second period, the banks in the Philippines showed a respectable performance.
A wide variety of educational reform on vocational education in accordance with the policy of link and match requires the schools to do the partnership to encourage the improvement of graduate competency and the demands of the relevance of education to the job needs. The purpose of this research is to illustrate and analyze the partnership strategy of vocational schools with the business world in its efforts to improve the graduate competency. This research has been held at SMK 3 Banda Aceh using qualitative descriptive approach. The instrument in this research is a researcher itself. This is because in qualitative approach, the researchers are essential instruments. As key instruments, researchers have to create their own set of the guidelines, observation, interview and documentary of appraisal guidelines that is used as a general guide in the process of recording. The results of the study show that the strategies adopted by SMK in forge cooperation with the world of business and industry are through the establishment of the cooperation program, working mechanism and analysis of factors that affect the holding of cooperation between the two parties.
Penelitian ini yaitu bertujuan (1) mendeskripsikan karakteristik modul Discon pada pembelajaran Praktikum Sains di Kelas IV sekolah dasar; (2) mengetahui kevalidan, kepraktisan, dan efektivitas modul Discon Sains di Kelas IV sekolah dasar. Penelitian ini merupakan jenis penelitian dan pengembangan (Research and Development). Penelitian ini bertujuan untuk mengembangkan produk pendidikan yaitu berupa modul yang dapat digunakan dalam pembelajaran Sains. Model penelitian yang digunakan diadopsi dari model R&D tiga fase dari Gravemeijer & Cobb yaitu fase penelitian awal, fase pengembangan dan fase penilaian. Uji keefektifan modul dianalisis menggunakan n-gain. Hasil penelitian menunjukan nilai validitas modul sebesar 50,5 dengan kriteria valid. Uji kepraktisan modul yang memperoleh hasil sebesar 63,8 dengan kriteria sangat praktis. Uji keefektifan menggunakan n-gain diperoleh nilai sebesar 0,71 dengan kategori tinggi.Dari hasil penelitian dapat disimpulkan bahwa Modul Discon Sains di Kelas IV sekolah dasar yang dikembangkan telah memenuhi keriteria valid, praktis, dan efektif sehingga dapat digunakan sebagai salah satu bahan ajar dalam pembelajaran Sains di sekolah dasar.
Dalam berinvestasi investor dapat menginvestasikan dananya pada lebih dari satu aset, hal ini dilakukan untuk mengurangi besarnya beban risiko yang akan ditanggung kedepannya. Akan tetapi, investor juga perlu menentukan portofolio yang optimal, artinya menentukan bobot atau persentase pada setiap saham yang diinvestasikan dengan tujuan akhir mengoptimalkan return. Penelitian ini, dilakukan dengan penentuan bobot portofolio optimal menggunakan algoritma genetika dengan bantuan R-software. Algoritma ini sangat efektif untuk menyelesaikan suatu permasalahan yang memiliki banyak kemungkinan solusi, dan penerapannya cukup sederhana. Data yang digunakan pada penelitian ini berupa historical data saham harian dari 6 perusahaan yaitu PT Astra Internasional (ASII), PT Telekomunikasi Indonesia (TLKM), PT Bank Rakyat Indonesia (BBRI), PT Bank Central Asia (BBCA), PT Bank Mandiri Indonesia (BMRI) dan PT Bank Negara Indonesia (BNII). Berdasarkan algoritma genetika, portofolio saham akan optimal dengan persentase bobot: 5% untuk ASII, 30% untuk TLKM, 20% untuk BBRI, 16% untuk BBCA, 12% untuk BMRI dan 17% untuk BBNI.
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