Judul: Determinant of Regional Financial Inclusion in Indonesia
Abstrak: Inklusi keuangan mengindikasikan akses yang tersedia tehadap beragam layanan keuangan yang mencukupi keperluan kapasitas masyarakat demi peningkatan kesejahteraan masyarakat. Analisis dilakukan untuk mengetahui faktor-faktor yang memengaruhi inklusi keuangan di Indonesia menggunakan metode regresi data panel dengan pendekatan random effect pada 33 provinsi di Indonesia pada tahun 2019 dan 2022. Faktor-faktor tersebut ialah fintech peer-to-peer lending, dana pihak ketiga perbankan, PDRB per kapita, jumlah kantor bank umum, jumlah kantor BPR dan rata-rata lama sekolah. Hasil dari analisis ini memperlihatkan bahwa kredit fintech, dana pihak ketiga BPR, jumlah bank umum dan rata-rata lama sekolah memiliki pengaruh signifikan dalam meningkatkan inklusi keuangan di Indonesia., Financial inclusion indicates the available access to a variety of financial services that meet the needs of the community to enhance their welfare. An analysis was conducted to identify the factors influencing financial inclusion in Indonesia using the panel data regression method with a random effect approach in 33 provinces of Indonesia in 2019 and 2022. These factors include peer-to-peer lending fintech, third-party banking funds, per capita GDP, the number of public bank branches, the number of microfinance institution branches, and average years of schooling. The results of this analysis show that fintech credit, third-party funds of microfinance institutions, the number of public banks, and the average years of schooling have a significant impact on increasing financial inclusion in Indonesia.
Keyword: Banking, fintech peer-to-peer lending, panel data regression, financial inclusion

Judul: The Determinants of Inclusive Economic Development in  Indonesia
Abstrak: Pembangunan ekonomi inklusif merupakan pendekatan yang efektif dalam mereduksi dampak pembangunan yang cenderung lebih berpihak kepada kelompok masyarakat tertentu yang memiliki akses lebih besar terhadap kesempatan ekonomi. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi pembangunan ekonomi inklusif di Indonesia dengan menggunakan metode analisis regresi data panel dengan pendekatan random effect model pada 34 provinsi di Indonesia periode 2011-2021. Faktor-faktor tersebut ialah fintech peer-to-peer lending, pembentukan modal tetap bruto, pengeluaran pemerintah, dan keterbukaan perdagangan. Hasil penelitian menunjukkan bahwa kredit fintech lending dan keterbukaan perdagangan berpengaruh secara signifikan meningkatkan pembangunan ekonomi inklusif di Indonesia. Akan tetapi, pengeluaran pemerintah berpengaruh signifikan menurunkan pembangunan ekonomi inklusif di Indonesia. Pembentukan modal tetap bruto tidak berpengaruh signifikan terhadap pembangunan ekonomi inklusif di Indonesia., Inclusive economic development is an effective approach in reducing the impact of development which tends to favor certain community groups who have greater access to economic opportunities. This study aims to analyze the factors that influence inclusive economic development in Indonesia using panel data regression with a random effect model approach in 34 provinces in Indonesia for the 2011-2021 period. These factors are fintech peer-to-peer lending, gross fixed capital formation, government spending, and trade openness. The research results show that fintech lending and trade openness have a significant effect on increasing inclusive economic development in Indonesia. Meanwhile, government spending has a significant effect on reducing inclusive economic development in Indonesia. Gross fixed capital formation has no significant effect on inclusive economic development in Indonesia.
Keyword: fintech peer-to-peer lending, inclusive economic development index, panel data regression, trade openness

Judul: Case Study of Gallbladder Mucocele and Treatment Used In Small Animals
Abstrak: Gallbladder mucocele (GM) is defined as distention of the gallbladder caused by an inappropriate accumulation or deposition of high concentrations of bile. The purpose of this case study is to study GM conditions in small animals and to report the clinical sign and characteristics of GM through the sonogram interpretation and blood chemistry test evaluation, and studies related to the therapy given and other treatments recommended. A 14-year-old Toy Poodle dog has been diagnosed with severe GM and cholecystitis. No pain signs were shown during the physical examination as asymptomatic is a common characteristic in the early stage of biliary related diseases. In this study Abdominal ultrasonography interpretation and blood chemistry evaluation was conducted in 2021-2022 and analyzed as a secondary data source. Ultrasonography results showed presence of hyperechoic, immobile deposits in gallbladder accompanied by wall thickening and enlarged in size, followed by a significant increase in the enzyme alkaline phosphatase (ALP). This study has summarized mainly the diagnosis and treatments of GM in small animals and suitable alternatives treatments were recommended to encounter the GM conditions in small animals. The effectiveness of combined therapy shows the positive impact on the patient, the condition of GM has been under control.
Keyword: ultrasound, gallbladder, biliary sludge, abdominal ultrasonography