Judul: Program Pembiayaan Lembaga Keuangan Mikro Syariah (LKMS) dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro (Studi Kasus BMT Syariah Baitul Karim, Bekasi)
Abstrak: The role of micro-enterprises in employment are very large, namely 99.9% of the total labour in Indonesia. It shows that micro businesses have a great opportunity in economic development and improving the welfare. This is not in accordance with the improvement of social welfare because of huge of the poor is 10.96% of the total population. Limited capital on micro businesses become obstacle that is difficult to avoid. In this case, the financing provided by the BMT become important for micro enterprises in accessing capital. The purpose of this study is to analyze the effect of the financing program in improving income and welfare micro businesses. The method which used in this research is Ordinary Least Square (OLS) method and logistic method. Significant variables that positively affect the revenue are financing taken of respondents, income generating family members, education, ethics and morals variable. The variables are positively and significantly affect the welfare are duration of membership, share of food expenditure to the total expenditure, average income, and financing are taken respondents
Keyword: Bogor Agricultural University, Welfare, Micro Enterprise, Logistic Method, Financing

Judul: Efektivitas Penyaluran Pembiayaan Mikro Syariah terhadap Pengurangan Kemiskinan Pelaku Usaha Mikro (Studi Kasus BMT Bina Masyarakat Purworejo).
Abstrak: Usaha mikro memiliki peran penting dalam menggerakkan perekonomian Indonesia. Salah satu permasalahan pada perkembangan usaha mikro adalah akses permodalan. Pembiayaan yang diberikan oleh LKMS menjadi penting bagi usaha mikro dalam mengakses permodalan. Penelitian ini bertujuan untuk menganalisis tingkat efektivitas penyaluran pembiayaan mikro syariah dan dampaknya terhadap pengurangan kemiskinan pelaku usaha mikro di Purworejo. Penelitian ini menggunakan metode analisis deskriptif menggunakan skala Likert dan metode ordinary least square (OLS) untuk menganalisis pengaruh pembiayaan LKMS terhadap kinerja usaha mikro. Dampak terhadap pengurangan kemiskinan dilihat dari perubahan pendapatan para pelaku usaha mikro. Hasil menunjukkan bahwa penyaluran pembiayaan mikro syariah sudah efektif pada aspek pengajuan, pencairan, pengembalian dan pemanfaatan pembiayaan. Selain itu penyaluran pembiayaan mikro syariah berdampak positif terhadap kinerja usaha mikro dan pengurangan kemiskinan.
Keyword: efektivitas, kemiskinan, LKMS, OLS, paired sample t test

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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