Judul: Strategi Pengembangan Peer to Peer Financing untuk Meningkatkan Inklusi Keuangan Syariah di Indonesia
Abstrak: Peer to peer (P2P) financing adalah salah satu platform inovasi keuangan syariah yang memudahkan masyarakat untuk mendapat pembiayaan, sehingga berpotensi besar dalam meningkatkan inklusi keuangan. Inovasi keuangan ini harus disertai dengan financial development agar berpengaruh signifikan terhadap pertumbuhan ekonomi (Ajide 2017). P2P financing di Indonesia per Desember 2019 hanya sekitar 9.0 persen dan indeks inklusi keuangan syariah pada tahun 2019 hanya sebesar 9.1 persen. Tujuan penelitian ini adalah mengidentifikasi aspek kekuatan, kelemahan, peluang, dan ancaman serta merumuskan strategi pengembangan P2P syariah di Indonesia. Metode penelitian ini adalah SWOT - ANP (Strengths, Weaknesses, Opportunities, and Threats – Analytic Network Process). Hasil menunjukkan bahwa kekuatan menjadi prioritas utama dalam menunjang perkembangan P2P syariah. Variabel kekuatan, kelemahan, peluang, dan ancaman yang paling berpengaruh yaitu sharia compliance, tingginya biaya investasi teknologi, awareness keislaman yang meningkat, serta gap antara kondisi yang terus berubah dengan peraturan yang ada. Strategi yang paling prioritas untuk diterapkan adalah membentuk kerja kolektif lintas domain dari hulu ke hilir.
Keyword: inklusi, P2P, strategi, SWOT-ANP, syariah

Judul: The Effect of Islamic Peer-to-Peer Lending Financing on the Performance and Welfare of Micro and Small Business Enterprises (Case Study of PT Ammana Fintek Syariah)
Abstrak: Keterbatasan modal merupakan masalah yang dihadapi oleh delapan puluh persen unit usaha mikro dan kecil (UMK) di Indonesia. Solusi pembiayaan syariah melalui peer-to-peer (P2P) lending syariah dapat menjadi alternatif modal usaha bagi UMK. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan peer-to-peer lending syariah terhadap kinerja dan kesejahteraan pelaku UMK. Hasil uji-t berpasangan menunjukkan bahwa terdapat perbedaan omzet, keuntungan, biaya usaha, dan jumlah tenaga kerja UMK antara sebelum dan sesudah mendapatkan pembiayaan. Analisis OLS menunjukkan bahwa jumlah pembiayaan, biaya usaha, tenaga kerja, dan lama usaha memengaruhi perubahan omzet UMK. Hasil analisis regresi logistik menunjukkan bahwa pendapatan rata-rata keluarga dan jumlah tabungan memengaruhi kesejahteraan pelaku UMK. Penelitian ini diharapkan menjadi referensi untuk memecahkan permasalahan permodalan bagi pelaku UMK dan memberikan informasi bagi pelaku industri teknologi finansial untuk memajukan industri teknologi finansial Indonesia., Limited capital is a problem faced by eighty percent of micro and small business enterprises (MSEs) in Indonesia. Islamic financing solutions through Islamic peer-to-peer (P2P) lending can be an alternative for business capital for MSEs. This study aims to analyze the effect of Islamic peer-to-peer lending financing on the performance and welfare of MSEs. The paired t-test results show that there are differences in turnover, profits, business costs and the number of labor between before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings affect the welfare of MSEs. This research is expected to be a reference for solving capital problems for MSEs and providing information for financial technology industry players to advance the Indonesian’s financial technology industry.
Keyword: Islamic financing, Islamic peer-to-peer (P2P) lending, performance, welfare, MSEs

Judul: Mud Crab’s (Scylla serrata Forskal 1775) Response to Different Decaying Level of Gold Snail (Pomacea canaliculata Lamarck 1822) Bait
Abstrak: Mud crab is well known as omnivorous-vigorous-voracious-opportunistic-scavenger. These intertidal animals applies mainly chemoreception in their predatory behaviour. It has been commonly assumed that non fresh gold snail bait is better than fresh bait in stimulating the mud crab. This research's aim is to analyze mud crab response to different decaying level of gold snail bait. Their response were observed as time required to touch the bait and pattern and direction of the mud crab in approaching the baits. The different decaying level of gold snail baits were shown on Total Volatile Base Nitrogen (TVBN) as 16.3 mg/100g (0 day); 534.1 mg/100g (3 days); and 887.4 mg/100g (6 days). The research was conducted from July 2009 until February 2011. The TVBN test for gold snail baits were conducted at Laboratory of BBPPHP Jakarta. The experiment was conducted in Pemalang. The result showed that the average period of mud crabs to touch the baits were 52.14 minutes; 61.57 minutes and 52.57 minutes. Anova test concluded no sufficient evidence of significant effect of TVBN content of gold snail bait on mud crab’s feeding behaviour. Movement pattern B, i.e. left and right deviation followed by straight forward movement to the bait, was commonly exhibited by the crabs. Consequences of time period required by the mud crab to approach the bait on fishing operation is discussed.
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