This research was aimed to analysis risk base bank rating using RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital ) method in Bank of Public Company 2013-2017. This research was a comparative research. The analyzer was used in this research is RGEC method. Risk Profile was assessed by, credit risk, market risk, and liquidity  risk. Good Corporate Governance was assessed by self assessment of bank report. Earning was assessed by, i.e ROA, ROE, NIM, and BOPO. And for capital was assessed by CAR. The results of the study that PT. Bank Rakyat Indonesia (Persero) Tbk obtains the highest average weighted Composite Rating, which is 94.67%., PT. Bank Negara Indonesia (Persero) Tbk came in second place at 87.11%. and PT. Bank Tabungan Negara (Persero) Tbk obtains the lowest weighted Composite Rating weight of 85.78%. However, overall the three State-Owned Banks are still rated very healthy. However, it is hoped that further researchers will be able to take on more banks to provide a broader picture.

Development strategies for small and medium enterprises in Manokwari Regency.Globally, the economic actors should be able to strengthen the capability during the ASEAN Economic Community including small and medium business actors.  Therefore, this paper was intended to analyse and develop the strategies to enhance the capacity of small and medium enterprises in Manokwari Regency.  The primary data concerning the strengths, weaknesses, opportunities, and threats of 50 small and medium enterprises were obtained systematically by implementing questionnaires and direct interviews to apply the SWOT analysis.  The results revealed that the proper strategies were the growth strategy, market and product development, and market penetration.Persaingan yang ketat antara pelaku ekonomi termaksud pelaku usaha kecil dan menengah merupakan tantangan yang harus dihadapi dalam era Masyarakat Ekonomi Asean. Tujuan penelitian ini untuk menyusun strategi pengembangan usaha kecil dan menengah di Kabupaten Manokwari. Penelitian ini adalah penelitian kualitatif, dengan metode penelitian deskriptif. Populasi penelitian adalah seluruh usaha kecil menengah yang tercatat di Dinas Koperasi dan UKM Kabupaten Manokwari. Sampel penelitian berjumlah 50 UKM. Data dikumpulkan melalui melalui penyebaran kuisoner dan wawancara langsung terhadap usaha kecil dan menengah. Tehnik analisis data dengan mengunakan analisis deskriptif dan analisis SWOT untuk melihat strategi yang tepat bagi pengembangan usaha kecil dan menengah di Kabupaten Manokwari.Keywords : Growth strategy, market and product development, and market penetration

Development strategies for small and medium enterprises in Manokwari Rege Globally, the economic actors should be able to strengthen the capability during the ASEAN Economic Community including small and medium business actors.  Therefore, this paper was intended to analyse and develop the strategies to enhance the capacity of small and medium enterprises in Manokwari Regency.  The primary data concerning the strengths, weaknesses, opportunities, and threats of 50 small and medium enterprises were obtained systematically by implementing questionnaires and direct interviews to apply the SWOT analysis.  The results revealed that the proper strategies were the growth strategy, market and product development, and market penetration.Persaingan yang ketat antara pelaku ekonomi termaksud pelaku usaha kecil dan menengah merupakan tantangan yang harus dihadapi dalam era Masyarakat Ekonomi Asean. Tujuan penelitian ini untuk menyusun strategi pengembangan usaha kecil dan menengah di Kabupaten Manokwari. Penelitian ini adalah penelitian kualitatif, dengan metode penelitian deskriptif. Populasi penelitian adalah seluruh usaha kecil menengah yang tercatat di Dinas Koperasi dan UKM Kabupaten Manokwari. Sampel penelitian berjumlah 50 UKM. Data dikumpulkan melalui melalui penyebaran kuisoner dan wawancara langsung terhadap usaha kecil dan menengah dan dinas terkait di Kabupaten Manokwari. Tehnik analisis data dengan mengunakan analisis deskriptif dan analisis SWOT untuk melihat strategi yang tepat bagi pengembangan usaha kecil dan menengah di Kabupaten Manokwari.Keywords :Strategi, Pengembangan, SWOT, UKM