Judul: Dampak Penyaluran Kredit Mikro dan Permasalahan Moral Hazard UMKM di BPR XYZ Kabupaten Tasikmalaya
Abstrak: Micro, Small, and Medium Enterprises (MSMEs) have significant contribution to Indonesian economy. Most of them have limited capital access to expand their business. Rural bank (BPR) as one of MFIs have potential to distribute credit with less requirement. Rural bank (BPR) faces moral hazard problems from MSMEs that could threaten its financial sustainabilities. This study analyzed the impact of credit from rural bank (BPR) to development of MSMEs based on business turnover indicator by OLS (Ordinary Least Square) method, while factors that affect MSMEs to conduct moral hazard was analyzed by logistic regression. The analysis showed that credit from rural bank (BPR) had positive influence and increased MSMEs business turnover about 70.88% per year. Factors that affected the development of the business turnover were education, loans, benefits, years of business, and number of employees. Meanwhile, factors that affected MSMEs to conduct moral hazard were dummy of having credit from bank, frequency of loan, savings, and distance to rural bank.
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Judul: Analisis Faktor-Faktor yang Mempengaruhi Akses dan Pembatasan Kredit pada UMKM di Kabupaten Bogor
Abstrak: Micro, small and medium enterprises (MSMEs) have important role to absorb unemployment. However, most ofMSMEs have low access to formal financial institution. Semiformal financial institutions such as Baitul mal wat Tamwil (BMT) can support the needs of MSMEs capital. This study analyzed access MSMEs to conventional and Islamic financial institution and factors that influence credit rationing from financial institution. This research used logistic regression model to determine factors influencing MSMEs acces to BMT and their probability of being credit rationed by the institution. Access to Islamic financial institutions (BMT) are influenced by education and type of business (manufacturing and services). Factors influencing credit rationing are MSMEs’ maturity and frequency of loans
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Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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