Judul: Influence of Internal and External Factors on Islamic Rural Banks’ Profitability During the Covid-19 Pandemic
Abstrak: Nilai Return on Asset (ROA) Bank Pembiayaan Rakyat Syariah (BPRS) terus menurun selama pandemi Covid-19, yaitu pada tahun 2020 sampai 2021. Bank Umum Syariah dan Unit Usaha Syariah juga mengalami penurunan nilai ROA di tahun 2020 tetapi berhasil meningkatkannya di tahun 2021. Tujuan penelitian ini adalah mengidentifikasi perkembangan rasio keuangan BPRS dan kondisi makroekonomi Indonesia, serta menganalisis faktor internal dan eksternal yang memengaruhi profitabilitas BPRS di Indonesia periode kuartal II tahun 2020 hingga kuartal I tahun 2022. Sampel dalam penelitian ini terdiri atas 134 BPRS. Penelitian ini menggunakan regresi data panel dengan ROA sebagai variabel dependen. Hasil regresi data panel menunjukkan bahwa secara parsial FDR berpengaruh positif terhadap ROA, sedangkan NPF dan BOPO berpengaruh negatif terhadap ROA. Sementara itu, CAR, PDB, dan IHK tidak berpengaruh terhadap ROA., Return on Asset (ROA) value of Islamic Rural Banks keeps decreasing during the Covid-19 pandemic, specifically during 2020 to 2021. Islamic Commercial Banks and Sharia Business Units also experienced a decrease in their ROA value in 2020, but managed to increase it in 2021. This study aims to identify the development of Islamic Rural Banks’ financial ratios and Indonesia’s macroeconomic conditions and also to analyze the effect of internal and external factors on Islamic Rural Banks’ profitability in the second quarter of 2020 to the first quarter of 2022. The sample used consisted of 134 Islamic Rural Banks. This study used panel data regression with ROA as the dependent variable. Panel data regression result shows that partially, FDR has a positive impact on ROA, whereas NPF and OER have a negative impact on ROA. On the other hand, CAR, GDP, and CPI have no impact on ROA.
Keyword: BPRS, covid-19, data panel, makroekonomi, rasio keuangan

Judul: Profitability Analysis of Conventional Banks and Islamic Banks in Indonesia Before and During the Covid-19 Pandemic
Abstrak: Covid-19 memiliki dampak yang sangat besar dalam bidang ekonomi termasuk sektor perbankan. Penelitian ini bertujuan untuk menganalisis perkembangan rasio keuangan dan determinan yang memengaruhi profitabilitas bank konvensional dan bank syariah di Indonesia periode triwulan I-2019 hingga triwulan IV-2020. Sampel yang digunakan terdiri dari 10 bank konvensional dan 10 bank syariah. Penelitian ini menggunakan metode data panel dengan ROA sebagai variabel dependen. Adapun variabel independen terdiri dari CAR, NPL/NPF, NIM/NOM, BOPO, LDR/FDR, pertumbuhan ekonomi, dan inflasi. Hasil analisis data menunjukkan bahwa CAR dan NIM berpengaruh positif dan signifikan, serta BOPO berpengaruh negatif dan signifikan terhadap ROA pada bank konvensional. Pada bank syariah, hanya NOM yang menunjukkan pengaruh signifikan terhadap ROA dengan arah positif., Covid-19 has a huge impact in the economic field including the banking sector. This research aims to analyze the development of financial ratios and determinants that affect the profitability of conventional banks and Islamic banks in Indonesia in the first quarter of 2019 to the fourth quarter of 2020. The sample used consisted of 10 conventional banks and 10 Islamic banks. The study used the panel data method with ROA as a dependent variable. The variables independents consist of CAR, NPL/ NPF, NIM / NOM, BOPO, LDR / FDR, economic growth, and inflation. The results of the data analysis showed that CAR and NIM had a positive and significant effect, and BOPO had a negative and significant effect on ROA on conventional banks. In Islamic banks, only NOM shows a significant influence on ROA in a positive direction.
Keyword: financial ratio, macroeconomic indicators, panel data, profitability, ROA

Judul: Pelabelan Super Vertex Magic
Abstrak: Super vertex magic labeling is labeling on graph with is a set of edges mapped into and is a set of vertices mapped into . It has a vertex magic labeling in which and represents the size and order of the graph respectively. This manuscript proves that paths, cyclics, and disjoint union of cyclics have a super vertex magic labeling. There are four theorems to be discussed. The first theorem proves that path is super vertex magic if and only if is odd and . The second theorem proves that cyclic is super vertex magic if and only if is odd. The third theorem proves that bijection function from an edge set onto of graph can be extended to a super vertex magic labeling if and only if the set amount of edge label that incidents with a vertex in the graph, consists of sequential integers as many as vertices in the graph. The fourth theorem proves that disjoint union of the cyclics consists of cyclics with each cyclic has vertices is super vertex magic if and only if and are odd.
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