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"Kepercayaan masyarakat untuk menggunakan jasa-jasa perbankan merupakan salah satu faktor utama untuk memelihara stabilitas industri perbankan. Skripsi ini membahas mengenai bagaimana program penjaminan simpanan yang ada di Indonesia saat ini serta bagaimana peranan Lembaga Penjamin Simpanan dalam meningkatkan kepercayaan masyarakat terhadap industri perbankan. Penelitian ini adalah penelitian hukum normatif yang bersifat deskriptif. Hasil penelitian ini menyimpulkan bahwa dengan adanya Lembaga Penjamin Simpanan maka sistem penjaminan simpanan menjadi bersifat terbatas. Dalam hal ini Lembaga Penjamin Simpanan berfungsi sebagai sarana perlindungan bagi dana para nasabah sehingga akan menciptakan rasa aman bagi mereka dan selanjutnya akan semakin meningkatkan kepercayaan masyarakat dalam menggunakan jasa-jasa perbankan.

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The public confidence towards national banking industry is one of the keys to preserve banking industrial stability. This essay discusses about deposit guarantee program in Indonesia nowadays and the role of Deposit Guaranteeing Institution (LPS) to increase public confidence in using banking services. This research is normative legal research with analytical descriptive. The result of this research concludes that with the appliance of Deposit Guaranteeing Institution, the deposit guarantee system in Indonesia became limited guarantee. In this case, the function of Deposit Guaranteeing Institution is to give protection for the customers fund so they can feel safety about their fund and further will increase the public confidence in using banking services."

"Tesis ini membahas tentang media sosial microblogging yang digunakan oleh radio Lembaga Penyiaran Publik (LPP) maupun dari Lembaga Penyiaran Swasta (LPS). Penggunaan media sosial microblogging pada radio LPP maupun LPS, dilakukan dengan menentukan alasan-alasan yang menjadi dasar penggunaan media sosial microblogging; fungsi dan posisi media sosial microblogging bagi radio; serta pengelolaan media sosial microblogging radio. Penelitian terkait dengan media sosial microblogging ini menggunakan metodologi kualitatif dengan menggunakan tipe penelitian deskriptif eksploratif (exploratory descriptive research). Peneliti dapat memperoleh data primer melalui hasil wawancara secara mendalam (indepth interviews) yang dilakukan kepada pihak RRI Pro 2 FM Surabaya, Hardrock FM Surabaya, dan Gen FM Surabaya.Kemudian, data sekunder penelitian ini diambil dari pengumpulan arsip, dokumentasi, konten media sosial microblogging yang telah terpublikasikan, dan literatur-literatur pendukung. Hasil dari penelitian ini termasuk dalam tiga hal: Pertama, alasan radio menggunakan media sosial microblogging adalah sebagai bentuk adaptasi radio; Kedua, media sosial microblogging memiliki fungsi dan posisi peripheral, dimana media sosial microblogging digunakan sebagai pendukung kegiatan radio dan dapat tergantikan oleh media yang lain; dan ketiga, terkait dengan pengelolaan media sosial microblogging radio yang berdasarkan pemahaman, persiapan & pemantauan (monitoring), dan respon yang dilakukan oleh pihak radio melalui media sosial microblogging.

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This thesis discusses the microblogging social media used by Public Broadcasting Radio (LPP) and Private Broadcasting Radio (LPS). The use of social media microblogging on radio, carried out by determining the reasons on which the use of social media microblogging; function and position of social media microblogging for radio; also, the management of social media microblogging radio. This study is expected to provide comprehensive information about the strategies use microblogging and social media utilization for mass media industry such as radio. The research related to the microblogging social media using qualitative methodology using exploratory descriptive type. Researchers can obtain the results of primary data through in-depth interviews conducted to three radio: RRI Pro 2 FM Surabaya, Hardrock FM Surabaya, and Gen FM Surabaya.Then, the secondary data was taken from the archive collection, documentation, microblogging social media content that has been publicized, and literature support. The results of this study are included in three things: First, the reason for using social media microblogging is a radio adaptation; Second, microblogging social media of radio have a peripheral function and position, which the microblogging social media used to support the radio activity and can be replaced by the other media; and third, related to the management of microblogging social media by the radio, based on the understanding; the preparation and monitoring; and the response made by the radio via social media microblogging."

"ABSTRAKBased on the content of the galangal's essential oil which can be used as antimicroorganism, analgesic, and antiseptic characterized with inhibiting and destructing microorganism life process, it is predicted that there is a possibility of essential oil can be used for anti-inflammatory agent. Nitric-oxide (NO) is an unstable gas produced by cell such as macrophage and has the function as antimicroorganism. The aim of this study was to investigate whether essential oil of galangal components has an effect to the macrophage NO production, which stimulated by LPS E. coli.The both curative and preventive analysis using ANOVA showed that the NO productions differences were significant (p< 0,01). This study showed that the NO levels produced by murine macrophages induced by LPS E. coli were suppressed by essential oil in a dose dependent fashion, suggesting anti-inflammatory activities. Curatively, increased doses of the essential oil resulted in increased its anti-inflammatory functions. Five micro liter of the essential oil was preventively the most concentration as anti inflammation."

"ABSTRAK

Skripsi ini memberikan penjelasan yang komprehensif mengenai Analisis Yuridis Penerapan LPS Rate dalam Simpanan Deposito Terhadap Perlindungan Nasabah yang dihubungkan dengan fenomena banyaknya bank-bank yang menerapkan bunga simpanan deposito diatas ketentuan yang ditetapkan di dalam LPS Rate. Hal ini nantinya dapat membahayakan nasabah dimana simpanannya tidak akan dijaminkan oleh LPS dikarenakan simpanan tersebut dianggap sebagai simpanan tidak layak bayar karena telah menikmati keuntungan yang tidak wajar. Dari permasalahan tersebut maka pokok permasalahan yang dapat ditarik adalah bagaimana pengaturan dan konsep perlindungan nasabah terkait dengan ketentuan LPS Rate di dalam simpanan deposito dan bagaimana implementasi dari pengaturan mengenai LPS Rate terkait dengan simpanan deposito ditinjau dari hukum perbankan di Indonesia.

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ABSTRACT

This Thesis Provides a comprehensive explanation about Juridicial Analysis of the application of LPS in the savings deposits rate againts the protection of the customers associated with the phenomenon of large banks that apply interest savings deposits on the conditions set out in the LPS Rate. This can evetually harm the customer where they deposit savings would not be warranted by LPS because the deposits are considered as savings is not worth paying for having enjoyed an unnatural advantage. Of these problems then the principal problem that can be drawn is how is the regulation and customer protection concept is related to the provision of LPS in the savings deposit rate and how is the implementation of the arrangements regarding LPS Rate associated with savings deposits of the Indonesian Banking law

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"[ABSTRAKSebagai salah satu unsur penting dalam jaring pengaman sistem keuangan khususnya dibidang perbankan, Lembaga Penjamin Simpanan (LPS) memiliki peranan untuk menjaga stabilitas keuangan Indonesia. Krisis ekonomi global pada tahun 2008 mengharuskan LPS meningkatkan Nilai Penjamin Simpanan. Penelitian ini bertujuan untuk mengetahui alasan LPS meningkatkan Nilai Penjamin Simpanan berdasarkan Undang-Undang Nomor 24 Tahun 2004 Tentang Lembaga Penjamin Simpanan sebagaimana telah diubah dengan Undang-Undang No. 7 Tahun 2009 dan peraturan perundang-undangan yang berlaku, menganalisis kemungkinan penurunan Nilai Penjamin Simpanan LPS serta hubungannya dengan penerapan risk-based premium di Indonesia untuk menjaga stabilitas sistem keuangan Indonesia. Penelitian ini merupakan penelitian kepustakaan yang bersifat yuridis-normatif. Data yang dikumpulkan dengan studi kepustakaan. Hasil dari penelitian ini adalah berdasarkan Pasal 11 UU LPS dimungkinkan terjadi penurunan terhadap Nilai Penjamin Simpanan LPS. Berdasarkan alasan peningkatan Nilai Penjamin Simpanan pada tahun 2008, yaitu adanya ancaman krisis ekonomi, UU LPS mengatur apabila alasan tersebut telah teratasi maka besaran Nilai Penjamin Simpanan dapat disesuaikan kembali. Maka berdasarkan hal ini, dimungkinkan untuk menurunkan Nilai Penjamin Simpanan LPS. ABSTRACTAs one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ;As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ;As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ;As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ;As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. , As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia’s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ]"

"Latar belakang: Inflamasi adalah respon imun untuk mempertahankan inang terhadap patogen atau kerusakan. Namun, inflamasi yang tidak diatur dapat menyebabkan banyak penyakit. Peradangan terutama dimediasi oleh faktor kekebalan bawaan, termasuk sitokin, kemokin, dan sel kekebalan bawaan. Sitokin adalah mediator peradangan. Lipopolisakarida (LPS) adalah stimulator pulpitis yang kuat yang telah ditemukan pada jaringan pulpa yang meradang, menyebabkan pelepasan sitokin inflamasi termasuk IL-6, TNF-α dan IL-1β. Eksosom muncul sebagai strategi terapi mutakhir untuk mengobati sistem kekebalan tubuh akibat inflamasi. Sebagian besar sel mengeluarkan eksosom, yang dapat memiliki aktivitas imunomodulator yang kuat, tergantung pada jenis sel tempat mereka berasal. Sel punca mesenkim Wharton’s Jelly (hWJ-MSC) yang berasal dari tali pusar telah disarankan untuk mengurangi peradangan, sebagian melalui pelepasan eksosom.Tujuan: Untuk menyelidiki efek eksosom Wharton's Jelly pada konsentrasi 0,5%, 1% dan 5% pada sel punca pulpa gigi manusia yang terpapar LPS (hDPSC) pada waktu pengamatan 24, 48 dan 72 jam (analisis ekspresi IL-6)Metode: Menghitung jumlah ekspresi IL-6 pada human dental pulp stem cell (hDPSCs) yang terpapar LPS yang telah dikultur terlebih dahulu kemudian diberikan eksosom Wharton’s jelly dengan masing-masing konsentrasi 0,5%, 1%, 5% dan dibandingkan dengan kelompok kontrol tanpa pemberian eksosom pada waktu pengamatan 24 jam, 48 jam, dan 72 jam dengan analisis ELISA. Data dianalisis menggunakan analisis varian (ANOVA) satu arah dengan uji lanjut LSD.Hasil : Terdapat penurunan ekspresi IL-6 pada human dental pulp stem cells (hDPSCs) yang dipapar LPS menggunakan eksosom Wharton's Jelly dengan konsentrasi 1% dan 5% pada waktu pengamatan 48 jam.Kesimpulan: Eksosom Wharton's Jelly dapat menurunkan ekspresi IL-6 pada HDPSC yang terpapar LPS

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Background: Inflammation is an immune response that defends the host against pathogens or damage. However, unregulated inflammation can cause many diseases. Inflammation is primarily mediated by innate immune factors, including cytokines, chemokines, and innate immune cells. Cytokines are the mediators of inflammation. Lipopolysaccharide (LPS) is a potent stimulator of pulpitis that has been found in inflamed pulp tissue, causing the release of inflammatory cytokines including IL-6, TNF-α dan IL-1β. Exosomes are emerging as a state-of-the-art therapeutic strategy for treating an overactive immune system. Most cells secrete exosomes, which can have a potent immunomodulatory activity, depending on the type of cell from which they originate. Human Wharton’s jelly mesenchymal stem cells (hWJ-MSC) derived from the umbilical cord have been suggested to reduce inflamation, in part through the release of extracellular vesicle-like exosomes.

Objective: To Investigate the effect of Wharton's Jelly exosomes at concentrations of 0.5%, 1% and 5% on LPS exposed human dental pulp stem cell (hDPSCs) at observation times of 24, 48 and 72 hours (IL-6 expresion analysis)

Methods: Calculating the amount of IL-6 expression in lps exposed human dental pulp stem cells that have been cultured first and then given wharton jelly exosomes with each concentration of 0.5%, 1%, 5% and compared with the control group without exosome administration at observation time 24 hours 28 hours and 72 hours using ELISA analysis. Data were analyzed using a one‐way analysis of variance (ANOVA) with LSD’S post‐test.

Result : There is a decrease in IL-6 expression in lps exposed human dental pulp stem cells (hDPSCs) using Wharton's Jelly exosomes with a concentration of 1% and 5% at 48 hours observation time.

Conclusions: Wharton's Jelly Exosome decrese IL-6 expresion on LPS‐exposed HDPSCs."

"Untuk mengetahui aplikasi klinis pemeriksaan serologi dalam mendeteksi antibodi IgG spesifik terhadap Tuberkulosis ( TB ) dengan kit Pathozyme-TB yang menggunakan antigen 38 kDa, kit Pathozyme-Myco yang menggunakan antigen 38 kDa dan Lipopolisakarida ( LPS ), serta kit MycoDot yang menggunakan antigen Lipoarabinomanan ( LAM ) , dilakukan penelitian pada penderita TB paru di Jakarta. Bahan penelitian berupa 194 serum dari 79 orang penderita TB paru dengan BTA positip, 61 orang penderita TB paru dengan BTA negatip, 31 orang penderita penyakit paru non-TB dan 23 orang sehat yang kontak dengan penderita TB minimal 1 tahun, diperoleh dari Rumah Sakit Persahabatan Jakarta. Pada ke empat kelompok tersebut penelitian dilakukan secara crosssectional. Penelitian longitudinal dilakukan terhadap 39 penderita TB paru dengan BTA dan biakan positip selama terapi dengan Obat Anti Tuberkulosis (OAT) 3 dan 6 bulan. Hasil penelitian didapatkan nilai batas diagnosis yang sebaiknya digunakan untuk kit Pathozyme-Myco adalah serapan kontrol positip rendah ( SKPR ) dibagi dengan 1,5 sedangkan untuk kit Pathozyme-TB adalah SKPR dibagi dengan 3. Menggunakan kit Pathozyme-Myco didapatkan nilai sensitivitas sebesar 78 % dan spesifisitas 78 % pada penderita TB dengan BTA positip dan negatip, sensitivitas 82 % dan spesifisitas 78 /o pada penderita TB paru dengan BTA positip, sensitivitas 72 % dan spesifisitas 78 % pada penderita TB paru dengan BTA negatip. Menggunakan kit Pathozyme-TB didapatkan sensitivitas sebesar 44 % dan spesifisitas 91 % pada pendenta TB paru dengan BTA positip dan negatip, sensitivitas 51 % dan spesifisitas 91 % pada penderita TB paru dengan BTA positip dan sensitivitas 34 % dan spesifisitas 91 % pada penderita TB paru dengan BTA negatip. Menggunakan kit Myco-Dot didapatkan sensitivitas sebesar 67,8 % dan spesifisitas 95,6 % pada penderita TB paru dengan BTA positip dan negatip, sensitivitas 75,9 % dan spesifisitas 95,6 % pada TB paru dengan BTA positip, sensitifitas 57,4 % dan spesifisitas 95,6 % pada penderita TB paru dengan BTA negatip. Sensitivitas kit Pathozyme-Myco dan MycoDot cukup tinggi terutama pada TB paru dengan BTA positip, sedangkan sensitivitas Pathozyme-TB kurang tinggi terutama pada TB paru dengan BTA negatip. Spesifisitas pemeriksaan menggunakan ketiga macam kit yaitu Pathozyme-Myco, Pathozyme-TB dan MycoDot cukup baik.Menggunakan kit Pathozyme-Myco dan Pathozymc-TB didapat nilai diagnosis dan interval kepercayaan cukup baik yaitu berturut-turut 0,847 (0,771-0,923) dan 0,725 (0,629- 0,821). Nilai prediksi positip pada kit Pathozyme-Myco, Pathozyme-TB dan MycoDot baik yaitu berturut-turut 74,6 - 88%, 70,8 - 88,9% dan 94,6 - 97,9%. Nilai prediksi negatip pada kit Pathozyme-Myco dan MycoDot cukup baik yaitu berturut-turut 56,5 - 75,0 % dan 53,6 - 85,2 %. Tetapi nilai prediksi negatip pada kit Pathozyme-TB tidak cukup baik, yaitu 35,9 - 54,0 % . Ketiga macam kit yaitu Pathozyme-Myco, Pathozyme-TB dan MycoDot dapat digunakan untuk serodiagnostik TB. Menggunakan kit Pathozyme-Myco dan Pathozyme-TB, tidak didapatkan perubahan kadar antibodi IgG terhadap TB setelah terapi OAT 3 bulan dan tidak didapatkan kadar antibodi IgG TB di bawah nilai batas diagnosis setelah terapi OAT 6 bulan, sehingga pemeriksaan ini tidak dapat digunakan pada pemantauan terapi dan tidak dapat membedakan penderita TB paru aktif dengan bekas TB paru yang baru sembuh. Pada penelitian ini tidak dijumpai adanya pengaruh status gizi pada hasil pemeriksaan dengan menggunakan kit Pathozyme-Myco, Pathozymc-TB dan MycoDot.

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To determine the clinical application of serologic test by detection of IgG antibodies for tuberculosis (TB), researeh was done on TB patients in Jakarta, using 38 kDa antigen in Pathozyme-TB, 38 kDa and Lipopolysaccharides (LPS) antigens in Pathozyme-Myco and Lipoarabinomannan (LAM) antigen in MycoDot kit. One hundred and ninety four sera were collected from 79 pulmonary TB patients with positive sputum smears, 61 patients with negative sputum smears, 31 patients with pulmonary disease other than TB and 23 healthy persons who had minimal 1 year contact with TB patients. All patients were got from Persahabatan Hospital Jakarta. The study was done cross-sectionally. Longitudinal study was accomplished to 39 TB patients with positive sputum smears and culture, during their 3 months and 6 months oral anti tuberculosis therapy. The detection limit for diagnosis using Pathozymc-Myco and Pathozyme-TB kit are the absorbance oflow positive control devidcd by 1.5 and 3 repectivcly. Pathozyme-Myco kit had sensitivity of 78 % and 78 % specificity in pulmonary TB patients with either positive or negative sputum smears, 82 % sensitivity and 78 % specificity in positive sputum smears pulmonary TB patients, 72 % sensitivity and 78 % specificity in smearnegative pulmonary TB patients. Pathozyme-TB kit had 44 % sensitivity, 91 % specificity in pulmonary TB patients with either positive or negative sputum smears, 51 % sensitivity and 91% specificity in smear-positive pulmonary TB patients, 34 % sensitivity and 91 % specificity in smear-negative pulmonary TB patients. MycoDot kit had 67.8 % sensitivity and 95.6 % in either positive or negative sputum smears pulmonary TB patients, 75.9 % sensitivity and 95.6 % specificity in smear-positive pulmonary TB patients, 57.4 % sensitivity and 95.6 % specificity in smear-negative pulmonary TB patients. Pathozymc-Myco and MycoDot had a high sensitivity especially for pulmonary TB patients with positive sputum smears, while the sensitivity of Pathozyme-TB was lower especially for negative sputum smears pulmonary TB patients. All the kit had a good specificity. Pathozyme-Myco and Pathozyme-TB had a diagnosis value and confidence interval of 0.847(0.771-0.923) and 0.725(0.629-0.821) respcctivcly. Positive predietive value for PathozymeMyco, Pathozyme-TB and MycoDot are 74.6 - 88 %, 70.8-88.9 % and 94.6-97.9 %. Negative predietive value for Pathozyme-Myco and MycoDot (56.5- 75.0 % and 53.6 - 85.2 %) were better than Pathozyme-TB (35.9-54 %). From these results, it was concluded that the detection of IgG antibodies against 38 kDa, LPS and LAM are uscful for serodiagnosis of pulmonary TB. Pathozyme-Myco and Pathozyme-TB kits did not show IgG TB antibodies dccreased lower than detection limit for diagnosis after 3 and 6 months therapy, so it cannot be used for therapy monitoring and for differentiated the active TB from currently recovcrcd TB patients. There is no nutrional status effect to the result ofthe three kits. "

"ABSTRAKNasabah Penyimpan dinyatakan sebagai pihak yang diuntungkan secara tidak wajar apabila nasabah tersebut memperoleh tingkat bunga melebihi maksimum tingkat Suku Bunga Penjaminan (SBP) yang ditetapkan LPS. Penelitian ini bertujuan untuk mengetahui pengaturan penjaminan dana Simpanan di Indonesia sesuai dengan ketentuan Undang-Undang No. 24 Tahun 2004 tentang LPS dan untuk menjelaskan kesesuaian pengaturan tingkat SBP dengan Penjaminan pada Putusan No. 253/PDT/2018/PT.DKI jo. Putusan No. 287/PDT.G/PN.JKT.SEL. Penelitian ini merupakan penelitian yang bersifat analitis-deskriptif dan berbentuk yuridis-normatif. Data yang ada dikumpulkan dengan wawancara dan studi kepustakaan. Simpulan dari penelitian ini adalah LPS menetapkan SBP sebagai implementasi dari ketentuan Undang-Undang No. 24 Tahun 2004 tentang LPS dan dalam penjaminan yang dilakukan oleh LPS pada perkara Putusan No. 253/PDT/2018/PT. DKI jo. Putusan No. 287/Pdt.G/PN.Jkt.Sel, terdapat ketidaksesuaian antara pengaturan penjaminan pada Pasal 19 Undang-Undang No. 24 Tahun 2004 tentang LPS dengan putusan Judex Facti. Saran dalam Penelitian adalah LPS perlu untuk mensosialisasikan kembali agar Bank tidak menerapkan bunga diatas SBP, serta agar Bank memperhatikan data dan informasi mengenai nasabah yang tercatat pada sistem informasi Bank, agar senantiasa diperbaharui apabila terjadi perubahan dan setiap Simpanan yang dinyatakan oleh LPS terbukti menerima bunga diatas Suku Bunga Penjaminan, maka Simpanan tersebut merupakan Simpanan yang tidak layak dibayar. Namun, jika dapat dibuktikan bahwa Nasabah tersebut tidak diuntungkan secara tidak wajar, maka Simpanan tersebut harus dijadikan oleh LPS sebagai Simpanan yang layak dibayar.

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ABSTRACT

A Depositor is considered to be an unfairly benefited party if he receives an interest rate above the Deposit Insurance Rate. This study aims to determine the deposit guarantee fund arrangements in Indonesia in accordance with the provisions of Law No. 24 of 2004 regarding Indonesia Deposit Insurance Corporation (IDIC) and to explain the appropriateness of the level of Deposit Insurance Rate with Guarantees in Decision No. 253/PDT/2018/ PT.DKI jo. Decision No. 287/PDT.G/ PN.JKT.SEL. This research is a juridical-normative research. The data were collected by interview and literature study. The conclusion of this research are that the IDIC sets the Deposit Insurance Rate as an implementation of the provisions of Law No. 24 of 2004 regarding the IDIC and in the guarantee carried out by the IDIC in the case of Decision No. 253 / PDT / 2018 / PT. DKI jo. Decision No. 287 / Pdt.G / PN.Jkt.Sel, there is a discrepancy between the guarantee arrangements as regulated in Article 19 of Law No. 24 of 2004 regarding IDIC with the decision of the Judex Facti. The suggestions on this research are the IDIC needs to re-socialize the Bank related to the application of interest so that the Bank does not apply interest rate above the Deposit Insurance Rate, and that the Bank must pay attention to data and information about customers recorded in the Bank's information system, so that it is always updated if changes occured and each Depositor whom stated by LPS is proven to receive interest above the Deoposit Insurance Rate, the Deposit is a Deposit that is not worth paying because the Depositor is an unfairly benefited party. However, if it can be proven that the Depositor is not a Depositor who has benefited unfairly, the Deposit must be changed by LPS as a Deposit that is eligible to be paid."