SUPPORTING THE SUSTAINABILITY OF REGIONAL INDUSTRY CORE COMPETENCE IN SALATIGA

A lot of small business activities become unbanked. The constraints faced related to knowledge limitations, limitations of information access and difficult requirements. The existence of branchless banking (BB) will help small business activities. They can easily to access formal financial institutions such as saving, payment, credit and insurance. The research aims to determine the regional industry core competence (RICC) in Salatiga, to find out the designing factors of BB and to choose the model of BB. The data used are secondary and primary data. Primary data obtained through interview and questionnaire from 200 small business activities. Scoring analysis based on OVOP criteria are used to determine RICC and to select branchless banking model used validity, reliability, factoring test and distribution of frequency. The study concluded that there are three superior products in Salatiga and one of them is processed food industry to be RICC and the corresponding BB model is the Bank Based Model.

Evaluasi Program Kredit Koperasi Primer Anggota (KKPA) PT Perkebunan Nusantara V

<p align="center"><strong><em>ABSTRACT</em></strong><strong><em> </em></strong></p><p><em>The evaluation of program Kredit Koperasi Primer Anggota (KKPA) PT Perkebunan Nusantara V (Case studies: KUD Hidup Baru</em><em> </em><em>in the Sungai Pagar District Kampar Kiri Hilir Subdistrict Kampar Regency)</em><em> </em><em>has problems such as being late on planting of the plantation, the payment credit of the first stage is unpaid on last 2011, the plantation in stage third is cannot harvest. These problems make me attract to do discuss in this research. The purpose of this research is to evaluate the program of KKPA PT Perkebunan Nusantara V (Case studies: KUD Hidup Baru</em><em> in </em><em>the Sungai Pagar District – Kampar Regency). The research use theory of David Easton (1984) about the policy as a process.</em><em> </em><em>Based on the result of this research, I can conclude that Input of program implementation has been corresponding with the demands of society and the support of the government. The process of the program has many problems such as the first stage to the second stage has been planting but it is too late, the distribution of areal first stage has been delayed, some groups of Sungai Pagar society claimed that area KKPA in the second stage belongs to them, and area in the third stage is often flooded. The condition area of the first stage and the second stage has good condition and productive, but the condition area of the third stage is classified failed to harvests because the area that flooded and 75% palm plantation cannot harvest. The outcome had been accepted by a member of KUD Hidup Baru, their income from selling TBS in the first stage and second stage. The impact of this program in society is changing in income, using time, and educational needs increasing prosperity in the society and there are job opportunities in a program</em><em>.</em></p><p><em>Keywords</em><em>: Input, Process of Policy, Output, Outcome, Impact</em><em>.</em></p><p><strong>ABSTRAK</strong><strong> </strong></p><p>Evaluasi Program Kredit Koperasi Primer Anggota (KKPA) PT Perkebunan Nusantara V (Studi Kasus KUD Hidup BARU di Kelurahan Sungai Pagar Kecamatan Kampar Kiri Hilir Kabupaten Kampar) terjadi beberapa masalah seperti terjadinya keterlambatan waktu penanaman, pembayaran kredit tahap I yang belum lunas pada akhir tahun 2011 dan lahan tidak produktif pada lahan tahap III. Hal inilah yang membuat saya tertarik untuk membahasnya dalam penelitian saya ini. Tujuan penelitian ini adalah untuk mengevaluasi program Kredit Koperasi Primer Anggota (KKPA) PT Perkebunan Nusantara V Kelurahan Sungai Pagar, Kecamatan Kampar Kiri Hilir, Kabupaten Kampar (Studi Kasus KUD Hidup Baru). Dalam penelitian ini menggunakan teori David Easton (1984) tentang kebijakan sebagai suatu proses. Berdasarkan hasil penelitian pada penelitian ini, dapat disimpulkan bahwa Input dalam pelaksanaan sudah sesuai dengan tuntutan masyarakat dan dukungan, proses pelaksanaan dari tahap I hingga tahap II terjadi keterlambatan penanaman satu hingga dua tahun, pelaksanaan terjadi permasalahan mulai dari pembagian lahan kepada masyarakat yang lambat oleh tim penjaringan. Kondisi lahan pada tahap I dan tahap II digolongkan baik dan produktif, namun pada kondisi lahan tahap III digolongkan gagal panen (puso) karena lahan digenangi banjir sehingga 75% tanaman mati. Outcome sudah diterima oleh masyarakat berupa hasil tahap TBS tahap I dan tahap II. Dampak dalam masyarakat terjadi perubahan dalam hal pendapatan, pemanfaatan waktu, dan kebutuhan pendidikan.</p><p><em>Kata Kunci : Input, Proses Kebijakan, Output, Outcome, Dampak</em><em>.</em></p>

Overconfidence in the Credit Card Market

High credit card debt default has been symptomatic for the U.S. and other countries in the last decades. Different explanations for this situation exist in the literature. One explanation is overconfidence, which has become a key concept in behavioural economics for explaining anomalies in financial markets such as excessive trading volume. There is also the idea that overconfidence is to blame for high credit card debt. In this paper, an agent-based model is presented that examines the effects of overconfidence on credit card usage. Overconfidence is used here to explain why people who never intend to borrow on their credit card(s) do so anyway. The model contains consumption, two means of payment (credit card and cash), and a distortion to agents' income expectations via overconfidence. It was found that overconfidence leads to more “accidental” borrowing and higher interest rates.

P2P-NetPay

Micro-payment systems are becoming an important part of peer-to-peer (P2P) networks. The main reason for this is to address the “free-rider” problem in most existing content sharing systems. The authors of this chapter have developed a new micro-payment system for content sharing in P2P networks called P2P-Netpay. This is an offline, debit based protocol that provides a secure, flexible, usable, and reliable credit service in peer-to-peer networks ensuring equitable participation by all parties. The authors have carried out an assessment of micro-payment against non-micro-payment credit systems for file sharing applications. The chapter reports on the design of our experiment and results of an end user evaluation. The chapter then discusses the performance of the credit model, comparing it to a non-micro-payment credit model. Through evaluation of the proposed system and comparison with other existing systems, the authors find that the new approach eliminates the “free-rider” problem. The chapter analyses a heuristic evaluation performed by a set of evaluators and presents directions for research aiming to improve the overall satisfaction and efficiency of this model for peers.

Experiences in Developing a Micro-payment System for Peer-to-Peer Networks

Micro-payment systems are an important part of peer-to-peer (P2P) networks and address the “free-rider” problem in most existing content sharing systems. To address this issue, the authors have developed a new micro-payment system for content sharing in P2P networks called P2P-Netpay. This is an offline, debit based protocol that provides a secure, flexible, usable and reliable credit service. This article compares micro-payment with non-micro-payment credit systems for file sharing applications and finds that this approach liberates the “free-rider” problem. The authors analyse the heuristic evaluation performed by a set of evaluators and present directions for research aiming to improve the overall satisfaction and efficiency of the proposed model.