Judul: Analisis Faktor-Faktor Yang Mempengaruhi Realisasi Pembiayaan Mikro Pada PT Bank Syariah Mandiri KCP Bogor Merdeka
Abstrak: PT Bank Syariah Mandiri is a subsidiary of Bank Mandiri, which has been established on November 1st, 1999. PT Bank Syariah Mandiri KCP Bogor Merdeka is one of the sub-branches under the Bogor branch. Funding stalls micro is one emerging BSM product and in accordance with the mission-2 at BSM. PT BSM KCP Bogor Merdeka want to know 11 factors of financing , factors that influence the realization of micro-finance and micro-finance borrowers know the characteristics . By using multiple linear regression analysis, F test and T test at α = 10 % there are six variables affect the realization of financing ie gender, length of business , the level of net income per month , type of business ( trade ) , the amount of financing proposed and value of collateral with p-value in a row ( 0.080 ; 0.097 ; 0.051 , 0.044 ; 0,000 ; 0,000 ) and the qualitative analysis can be seen that the characteristics of microfinance borrowers are dominated by the male gender , age 31-40 years old , high school education , number of dependents family of 2-4 people , old businesses in over 2 years, the net income per month to Rp 1,000,000 to Rp 5,000,000 , types of businesses dominated by trade , the majority of customers 1-3 times the frequency of the loan , the amount of financing proposed < = Rp 20,000 . 000 , the value of customer collateral Rp < = USD 50,000,000 , and the type of use is productive .
Keyword: T test R, F test, Qualitative, Multiple Linear Regression, Realization of Financing, Micro point, Bank Syariah Mandiri

Judul: Analisis Faktor-faktor yang Memengaruhi Jangkauan Pembiayaan Mikro: Studi Kasus BTPN Syariah
Abstrak: Microenterprises have the big role in developing Indonesia’s economy. One of the issues in developing microenterprises is the access of financing. The study analyses factors affecting outreach, breadth of outreach and depth of outreach in BTPN Syariah. The objectives of this research are to identify the trend of outreach in 2012-2014, and to identify factors affecting outreach. The study employed Ordinary Least Squares and there are five variables used in this research. The variables are CAR, NPF, FDR, BOPO, and WISMA (branchless banking unit). Our fingdings show that breadth of outreach is significantly and negatively affected by CAR, meanwhile breadth of outreach is significantly and positively affected by NPF, FDR, BOPO, and WISMA. Depth of outreach is significantly and positively affected by CAR and WISMA, meanwhile depth of outreach is not significantly affected by NPF, FDR, and BOPO.
Keyword: Bogor Agricultural University, OLS, Islamic microfinance, depth of outreach, Breadth of outreach

Judul: Evaluation of Influenza Antibody Titers in Serum and Egg Yolk of Layers Vaccinated with Influenza Vaccines.
Abstrak: Influenza belongs to the Orthomyxoviridae family which causes upper and lower respiratory tract infection. The aim of this study was to evaluate influenza-A specific antibody titers from serum and egg yolk of hens vaccinated with quadrivalent influenza vaccines. Three Hy-line Brown layers were vaccinated with quadrivalent influenza type A and B inactivated vaccines. Vaccination was carried out three times at a dose of 0.25 ml/chicken via the intramuscular route. The first vaccination was carried out at 24 weeks of age, then boosters were performed at 28 and 32 weeks of age. Serum and egg yolk were collected every week for 20 weeks since the first vaccination. Influenza A H3N2 and H1N1 antibody titers were determined using hemagglutination-inhibition (HI) test and agar-gel-precipitation (AGP) test. Influenza-A H3N2 and H1N1 specific antibodies were detected in both serum and egg yolk from the first to twenty weeks after the initial vaccination. Highest HI geometric mean titer (GMT) of H1N1 antibody reached 26.67 HIU at nine weeks post first vaccination (p.f.v), while H3N2 antibody reached 26 HIU at six weeks p.f.v. Our result showed that influenza antibodies can be produced in layers using quadrivalent vaccines and layer chickens are able to produce equivalent antibody levels for each influenza subtype.
Keyword: antibody, egg yolk, influenza, layer chickens, serum