Transformation of the Financial Sector in Indonesia

Introduction : The source and deployment of finance are central issues in economic development. Since 1966, when the Soeharto Administration was inaugurated, Indonesian economic development has relied on funds in the form of aid from international organizations and foreign countries. After the 1990s, a further abundant inflow of capital sustained a rapid economic development. Foreign funding was the basis of Indonesian economic growth. This paper will describe the mechanism for allocating funds in the Indonesian economy. It will identify the problems this mechanism generated in the Indonesian experience, and it will attempt to explain why there was a collapse of the financial system in the wake of the Asian Currency Crisis of 1997. History of the Indonesian Financial system The year 1966 saw the emergence of commercial banks in Indonesia. It can be said that before 1966 a financial system hardly existed, a fact commonly attributed to economic disruptions like the consecutive runs of fiscal deficit and hyperinflation under the Soekarno Administration. After 1996, with the inauguration of Soeharto, a regulatory system of financial legislation, e.g. central banking law and banking regulation, was introduced and implemented, and the banking sector that is the basis of the current financial system in Indonesia was built up. 　　　The Indonesian financial structure was significantly altered at the first financial reform of 1983. Between 1966 and 1982, the banking sector consisted of Bank Indonesia (the Central Bank) and the state-owned banks. There was also a system for distributing the abundant public revenue derived from the soaring oil price of the 1970s. The public finance distribution function, incorporated in Indonesian financial system, changed after the successive financial reforms of 1983 and 1988, when there was a move away from the monopoly-market style dominated by state-owned banks (which was a system of public finance distribution that operated at the discretion of the government) towards a modern market mechanism. The five phases of development The Indonesian financial system developed in five phases between 1966 and the present time. The first period (1966-72) was its formative period, the second (1973-82) its policy based finance period under soaring oil prices, the third (1983-91) its financial-reform period, the fourth (1992-97) its period of expansion, and the fifth (1998-) its period of financial restructuring. The first section of this paper summarizes the financial policies operative during each of the periods identified above. In the second section changes to the financial sector in response to policies are examined, and an analysis of these changes shows that an important development of the financial sector occurred during the financial reform period. In the third section the focus of analysis shifts from the general financial sector to particular commercial banks’ performances. In the third section changes in commercial banks’ lending and fund-raising behaviour after the 1990s are analysed by comparing several banking groups in terms of their ownership and foundation time. The last section summarizes the foregoing analyses and examines the problems that remain in the Indonesian financial sector, which is still undergoing restructuring.

¿Impact from road transport of radioactive wastes in Spain?

Transports of radioactive wastes in Spain are becoming issues of renewed interest, due to the increased mobility of these materials which can be expected after the building and operation of the planned central repository for this country in a near future. Such types of residues will be mainly of the medium and high activity classes and have raised concerns on the safety of the operations, the radiological protection of the individuals, the compliance with the legal regulations and their environmental consequences of all kind. In this study, relevant information for the assessment of radiological risk of road transport were taken into account, as the sources and destination of the radioactive transports, the amount of traveling to be done, the preferred routes and populations affected, the characterization of the residues and containers, their corresponding testing, etc. These data were supplied by different organizations fully related with these activities, like the nuclear power stations, the companies in charge of radioactive transports, the enterprises for inspection and control of the activities, etc., as well as the government institutions which are responsible for the selection and location of the storage facility and other decisions on the nuclear policies of the country. Thus, we have developed a program for computing the data in such a form that by entering the radiation levels at one meter of the transport loads and by choosing a particular displacement, the computer application is capable to calculate the corresponding radiological effects, like the global estimated impact, its relevance to the population in general or on those people living and driving near the main road routes, the doses received by the most exposed individuals (e.g. the workers for loading or driving the vehicle), or the probability of detrimental on the human health. The results of this work could be of help for a better understanding and management of these activities and their related impacts; at the same time that the generated reports of the computer application are considered of particular interest as innovative and complementary information to the current legal documentation, which is basically required for transporting radioactive wastes in the country, according with the international safety rules (like IAEA and ADR).Though main studies are still in progress, as the definite location for the Spanish storage facility has not been decided yet, preliminary results with the existing transports of residues of medium activity indicate that the radiological impact is very low in conventional operations. Nevertheless, the management of these transports is complex and laborious, making it convenient to progress further in the analysis and quantification of this kind of events, which constitutes one of the main objectives of the present study for the radioactive road mobility in Spain.

A set of canonical problems in sloshing. Part 0: Experimental setup and data processing

In a series of attempts to research and document relevant sloshing type phenomena, a series of experiments have been conducted. The aim of this paper is to describe the setup and data processing of such experiments. A sloshing tank is subjected to angular motion. As a result pressure registers are obtained at several locations, together with the motion data, torque and a collection of image and video information. The experimental rig and the data acquisition systems are described. Useful information for experimental sloshing research practitioners is provided. This information is related to the liquids used in the experiments, the dying techniques, tank building processes, synchronization of acquisition systems, etc. A new procedure for reconstructing experimental data, that takes into account experimental uncertainties, is presented. This procedure is based on a least squares spline approximation of the data. Based on a deterministic approach to the first sloshing wave impact event in a sloshing experiment, an uncertainty analysis procedure of the associated first pressure peak value is described.

Analysis of the information about Doctoral Degrees presented in the Spanish universities websites.

Globalization has intensified competition, as evidenced by the growing number of international classification systems (rankings) and the attention paid to them. Doctoral education has an international character in itself. It should promote opportunities for graduate students lo participate in these international studies. The quality and competitiveness are two of the most important issues for universities. To promote the interest of graduates to continue their education after the graduate level, it would be necessary to improve the published information of ihe doctoral programs. It should increase the visibility and provide high-quality, easily accessible and comparable information which includes all the relevant aspects of these programs. The authors analysed the website contents of doctoral programs, it was observed a lack of quality of them and very poor information about the contents, so that it was decided that any of them could constitute a model for creating new websites. The recommendations on the format and contents in the web were made by a discussion group. They recommended an attractive design; a page with easy access to contents and easy to find on Ihe net and with the information in more than one language. It should include complete program and academic staff information. It should also be included the study's results which should be easily accessible and includes quantitative data, such as number of students who completed scholars, publications, research projects, average duration of the studies, etc. It will facilitate the choice of program

Viability study of sailing propulsion combined with a conventional system

For many years now, sails have been used as a propulsion system. At present, they are restricted to recreational/sport crafts since the appearance of the first steam vessels in the beginning of the 19 th century. But in the last years, due to the increase of fuel price and the pollution of the environment, it is being studied the possibility to introduce again the sail as a propulsive method combined with other conventional systems. In this paper, it is studied the viability of using a sail as a propellant with other conventional systems of propulsion. After considering the concept of apparent wind, the range of use of this complementary propulsion is presented. The calculation methodology, the numerical simulations and the wind inputs from a specific route are also included.

Integrated methodology for assessing the effects of geomorphological river restoration on fish habitat and riparian vegetation

Changes in the geomorphology of rivers have serious repercussions, causing losses in the dynamics and naturalness of their forms, going in many cases, from a type of meandering channel, with constant erosion and sedimentation processes, to a channelized narrow river with rigid and stable margins, where the only possibility of movement occurs in the vertical, causing the only changes in channel geometry occur in the river bed. On the other hand, these changes seriously affect the naturalness of the banks, preventing the development of riparian vegetation and reducing the cross connectivity of the riparian corridor. Common canalizations and disconnections of meanders increase the slope, and therefore speed, resulting in processes of regressive erosion, effect increased as a result of the narrowing of the channel and the concentration of flows. This process of incision may turn the flood plain to be "hung", being completely disconnected from the water table, with important consequences for vegetation. As an example of the effects of these changes, it has been chosen the case of the Arga River The Arga river has been channelized and rectified, as it passes along the meander RamalHondo and Soto Gil (Funes, Navarra). The effects on fish habitat and riparian vegetation by remeandering the Arga River are presented. and Ttwo very contrasting situationsrestoration hypothesis, in terms of geomorphology concerns, have been established to assess the effects these changes have on the habitat of one of the major fish species in the area (Luciobabus graellsii) and on the riparian vegetation. To accomplish this goal, it has been necessary to used the a digital elevation model provided by LIDAR flight, bathymetric data, flow data, as inputs, and a hydraulic simulation model 2D (Infoworks RS). The results obtained not only helped to evaluate the effects of the past alterations of geomorphologic characteristics, but also to predict fish and vegetation habitat responses to this type of changes.

River Restoration in Spain: Theoretical and Practical Approach in the Context of the European Water Framework Directive.

River restoration is becoming a priority in many countries because of increasing the awareness of environmental degradation. In Europe, the EU Water Framework Directive (WFD) has significantly reinforced river restoration, encouraging the improvement of ecological status for water bodies. To fulfill the WFD requirements, the Spanish Ministry of the Environment developed in 2006 a National Strategy for River Restoration whose design and implementation are described in this paper. At the same time many restoration projects have been conducted, and sixty of them have been evaluated in terms of stated objectives and pressures and implemented restoration measures. Riparian vegetation enhancement, weir removal and fish passes were the most frequently implemented restoration measures, although the greatest pressures came from hydrologic alteration caused by flow regulation for irrigation purposes. Water deficits in quantity and quality associated with uncontrolled water demands seriously affect Mediterranean rivers and represent the main constraint to achieving good ecological status of Spanish rivers, most of them intensively regulated. Proper environmental allocation of in-stream flows would need deep restrictions in agricultural water use which seem to be of very difficult social acceptance. This situation highlights the need to integrate land-use and rural development policies with water resources and river management, and identifies additional difficulties in achieving the WFD objectives and good ecological status of rivers in Mediterranean countries.

Implementation of wireless communication based on Software Defined Radio

In current communication systems, there are many new challenges like various competitive standards, the scarcity of frequency resource, etc., especially the development of personal wireless communication systems result the new system update faster than ever before, the conventional hardware-based wireless communication system is difficult to adapt to this situation. The emergence of SDR enabled the third revolution of wireless communication which from hardware to software and build a flexible, reliable, upgradable, reusable, reconfigurable and low cost platform. The Universal Software Radio Peripheral (USRP) products are commonly used with the GNU Radio software suite to create complex SDR systems. GNU Radio is a toolkit where digital signal processing blocks are written in C++, and connected to each other with Python. This makes it easy to develop more sophisticated signal processing systems, because many blocks already written by others and you can quickly put them together to create a complete system. Although the main function of GNU Radio is not be a simulator, but if there is no RF hardware components,it supports to researching the signal processing algorithm based on pre-stored and generated data by signal generator. This thesis introduced SDR platform from hardware (USRP) and software(GNU Radio), as well as some basic modulation techniques in wireless communication system. Based on the examples provided by GNU Radio, carried out some related experiments, for example GSM scanning and FM radio station receiving on USRP. And make a certain degree of improvement based on the experience of some investigators to observe OFDM spectrum and simulate real-time video transmission. GNU Radio combine with USRP hardware proved to be a valuable lab platform for implementing complex radio system prototypes in a short time. RESUMEN. Software Defined Radio (SDR) es una tecnología emergente que está creando un impacto revolucionario en la tecnología de radio convencional. Un buen ejemplo de radio software son los sistemas de código abierto llamados GNU Radio que emplean un kit de herramientas de desarrollo de software libre. En este trabajo se ha empleado un kit de desarrollo comercial (Ettus Research) que consiste en un módulo de procesado de señal y un hardaware sencillo. El módulo emplea un software de desarrollo basado en Linux sobre el que se pueden implementar aplicaciones de radio software muy variadas. El hardware de desarrollo consta de un microprocesador de propósito general, un dispositivo programable (FPGA) y un interfaz de radiofrecuencia que cubre de 50 a 2200MHz. Este hardware se conecta al PC por medio de un interfaz USB de 8Mb/s de velocidad. Sobre la plataforma de Ettus se pueden ejecutar aplicaciones GNU radio que utilizan principalmente lenguaje de programación Python para implementarse. Sin embargo, su módulo de procesado de señal está construido en C + + y emplea un microprocesador con aritmética de coma flotante. Por lo tanto, los desarrolladores pueden rápida y fácilmente construir aplicaciones en tiempo real sistemas de comunicación inalámbrica de alta capacidad. Aunque su función principal no es ser un simulador, si no puesto que hay componentes de hardware RF, Radio GNU sirve de apoyo a la investigación del algoritmo de procesado de señales basado en pre-almacenados y generados por los datos del generador de señal. En este trabajo fin de máster se ha evaluado la plataforma de hardware de DEG (USRP) y el software (GNU Radio). Para ello se han empleado algunas técnicas de modulación básicas en el sistema de comunicación inalámbrica. A partir de los ejemplos proporcionados por GNU Radio, hemos realizado algunos experimentos relacionados, por ejemplo, escaneado del espectro, demodulación de señales de FM empleando siempre el hardware de USRP. Una vez evaluadas aplicaciones sencillas se ha pasado a realizar un cierto grado de mejora y optimización de aplicaciones complejas descritas en la literatura. Se han empleado aplicaciones como la que consiste en la generación de un espectro de OFDM y la simulación y transmisión de señales de vídeo en tiempo real. Con estos resultados se está ahora en disposición de abordar la elaboración de aplicaciones complejas.

Seguridad estructural para construcciones en zonas inundables : criterio de diseño : soluciones de minoración del riesgo de fallo

La gestión de riesgos debe ser entendida como una determinación de vínculos entre lo que se asume como vulnerabilidad, y la forma en la que se determinarían o estimarían la probabilidad en la concurrencia de un determinado hecho, partiendo de la idea de la concurrencia de un fenómeno y las acciones necesarias que deberán llevarse a cabo. El tema de vulnerabilidad y riesgo, cada día toma más importancia a nivel mundial, a medida que pasa el tiempo es más notoria la vulnerabilidad de ciertas poblaciones ante la presencia de determinados peligros naturales como son: inundaciones, desbordes de ríos, deslizamientos de tierra y movimientos sísmicos. La vulnerabilidad aumenta, a medida que crece la deforestación. La construcción en lugares de alto riesgo, como por ejemplo, viviendas a orillas de los ríos, está condicionada por la localización y las condiciones de uso del suelo, infraestructura, construcciones, viviendas, distribución y densidad de población, capacidad de organización, etc. Es ahora donde la gestión de riesgos, juega un papel muy importante en la sociedad moderna, siendo esta cada vez más exigente con los resultados y calidad de productos y servicios, además de cumplir también, con la responsabilidad jurídica que trae la concepción, diseño y construcción de proyectos en zonas inundables. El presente trabajo de investigación, se centra en identificar los riesgos, aplicando soluciones estructurales y recomendaciones resilientes para edificaciones que se encuentren emplazadas en zonas inundables. Disminuyendo así el riesgo de fallo estructural y el número de víctimas considerablemente. Concluyendo con un Catálogo de Riesgos y Soluciones para edificaciones en zonas inundables. Risk management should be understood as a determination of links between what is assumed to be vulnerable , and how that would be determined or would estimate the probability in the occurrence of a certain event, based on the idea of the occurrence of a phenomenon and necessary actions to be carried out . The issue of vulnerability and risk, every day takes more importance globally, as time passes is more notorious vulnerability of certain populations in the presence of certain natural hazards such as floods, swollen rivers, landslides and earthquakes. Vulnerability increases as it grows deforestation. The construction in high-risk locations, such as homes on the banks of rivers, is conditioned by the location and conditions of land use, infrastructure, construction, housing, distribution and population density, organizational skills, etc. Now where risk management plays a very important role in modern society, is being increasingly demanding with the results and quality of products and services, and also comply with the legal responsibility that brings the conception, design and construction projects in flood zones. This research focuses on identifying risks, implementing structural solutions and resilients’ recommendations for buildings that are emplaced in flood zones. Thus decreasing the risk of structural failure and the number of victims significantly. Concluding with a Catalogue of Risks and Solutions for buildings in flood zones.

Testing equipment for the improvement of mechanical devices to minimize damage to fruit in commercial packing lines.

Damages -reduced in fruit packing lines is a major cause of grace reduction and quality loos in fresh marks: fruit. Fruit must be treated gently during in sir handling to improve their qualityin order to get a good price in a competitive market. The correct post-hardvest handling in fruit packing lines is a prerequisite to cut down the heavy post-harvest losses. Fruit packing lines must be evaluated, studying their design, the impacts applied to the fruits, the characteristics of the materials, etc. This study establishes the possibility of carrying out modifications and tests in a packing line during a long period of time. For this purpose, an experimental fruit packing line has been designed and located in the Agricultural Engineering Department of the Polythecnic University of Madrid with the aim of improving mechanical devices and fruit handling conditions to minimize damage to fruit. The experimental line consists of several transporting belts, one rollers transporter, one sizer, one elevator, one singularizer, and three trays to receive the calibrated fruit. The line has a length of 6.15 m and a width cf 1.9 m. Movement of the different components is regulated by electric motors with variable velocity electronically controlled. The height of the transfer points is variable and can be easily modified. The experimental line has been calibrated using two instrumented spheres IS 100 (8.8 cm Ø and6.2cm Ø). Average acceleration values obtained in all the transfers of the experimental line lay under 80 g's, although there is big variation for some of them being some values above 100 g's.

Operational modal analisys using joint statistical analysis of multiple records

In Operational Modal Analysis (OMA) of a structure, the data acquisition process may be repeated many times. In these cases, the analyst has several similar records for the modal analysis of the structure that have been obtained at di�erent time instants (multiple records). The solution obtained varies from one record to another, sometimes considerably. The differences are due to several reasons: statistical errors of estimation, changes in the external forces (unmeasured forces) that modify the output spectra, appearance of spurious modes, etc. Combining the results of the di�erent individual analysis is not straightforward. To solve the problem, we propose to make the joint estimation of the parameters using all the records. This can be done in a very simple way using state space models and computing the estimates by maximum-likelihood. The method provides a single result for the modal parameters that combines optimally all the records.

Combining Text and Graphics for Interactive Exploration of Behavior Datasets

Modern sensor technologies and simulators applied to large and complex dynamic systems (such as road traffic networks, sets of river channels, etc.) produce large amounts of behavior data that are difficult for users to interpret and analyze. Software tools that generate presentations combining text and graphics can help users understand this data. In this paper we describe the results of our research on automatic multimedia presentation generation (including text, graphics, maps, images, etc.) for interactive exploration of behavior datasets. We designed a novel user interface that combines automatically generated text and graphical resources. We describe the general knowledge-based design of our presentation generation tool. We also present applications that we developed to validate the method, and a comparison with related work.

Influence of Tillage and Liming on N2O emission from a rainfed crop

Nitrous oxide (N2O) is the main greenhouse gas (GHG) produced by agricultural soils due to microbial processes. The application of N fertilizers is associated with an increase of N2O losses. However, it is possible to mitigate these emissions by the introduction of adequate management practices (Snyder et al., 2009). Soil conservation practices (i.e.no tillage, NT) have recently become widespread because they promote several positive effects (increases in soil organic carbonand soil fertility, reduction of soil erosion, etc). In terms of GHG emissions, there is no consensus in the literature on the effects of tillage on N2O. Several studies found that NT can produce greater (Baggs et al., 2003), lower (Malhi et al., 2006) or similar (Grandey et al., 2006) N2O emissions compared to traditional tillage (TT). This large uncertainty is associated with the duration of tillage practices and climatic variability. Liming is widely use to solve problems of soil acidity (Al toxicity, yield penalties, etc). Several studies show a decrease in N2O emissions with liming (Barton et al., 2013) whereas no significant effects or increases were observed in others (Galbally et al., 2010). The aim of this work was to evaluate the effects of tillage (NT vs TT) and liming application or not of Ca-amendment) on N2O emissions from an acid soil during a rainfed crop.

Discrete element analysis for the assessment of the accuracy of load cell-based dynamic weighing systems in grape harvesters under different ground conditions

Dynamic weighing systems based on load cells are commonly used to estimate crop yields in the field. There is lack of data, however, regarding the accuracy of such weighing systems mounted on harvesting machinery, especially on that used to collect high value crops such as fruits and vegetables. Certainly, dynamic weighing systems mounted on the bins of grape harvesters are affected by the displacement of the load inside the bin when moving over terrain of changing topography. In this work, the load that would be registered in a grape harvester bin by a dynamic weighing system based on the use of a load cell was inferred by using the discrete element method (DEM). DEM is a numerical technique capable of accurately describing the behaviour of granular materials under dynamic situations and it has been proven to provide successful predictions in many different scenarios. In this work, different DEM models of a grape harvester bin were developed contemplating different influencing factors. Results obtained from these models were used to infer the output given by the load cell of a real bin. The mass detected by the load cell when the bin was inclined depended strongly on the distribution of the load within the bin, but was underestimated in all scenarios. The distribution of the load was found to be dependent on the inclination of the bin caused by the topography of the terrain, but also by the history of inclination (inclination rate, presence of static periods, etc.) since the effect of the inertia of the particles (i.e., representing the grapes) was not negligible. Some recommendations are given to try to improve the accuracy of crop load measurement in the field.