Judul: The analysis of affecting factors of islamic banking on the business service financing in indonesia
Abstrak: Sektor jasa dunia usaha memiliki peran penting dalam menggerakkan ekonomi riil di Indonesia dan perbankan syariah merupakan salah satu alternatif atas keterbatasan dana pengusaha sektor jasa dunia usaha. Pembiayaan oleh perbankan syariah kepada jasa dunia usaha memiliki pangsa terbesar padahal dilihat dari nilai PDBnya relatif kecil. Tujuan utama dari studi ini adalah menganalisis faktor-faktor yang memengaruhi pembiayaan syariah ke sektor jasa dunia usaha di Indonesia. Penelitian ini menggunakan data sekunder berupa data time series bulanan periode Januari 2009 hingga Desember 2013. Hasil analisis dengan menggunakan metode OLS menunjukkan bahwa faktor yang memengaruhi pembiayaan perbankan syariah secara signifikan dan sesuai hipotesis terhadap jasa dunia usaha adalah dana pihak ketiga, finance to deposit ratio dan suku bunga bank konvensional terhadap sektor jasa dunia usaha dimana ketiga variabel tersebut berpengaruh positif serta variabel equivalent rate perbankan syariah yang berpengaruh negatif. Sementara variabel non performing finance dan inflasi berpengaruh signifikan namun hubungannya tidak sesuai dengan hipotesis. Variabel NPF berpengaruh positif karena tingkat NPF sektor jasa dunia usaha relatif kecil dan Inflasi berpengaruh positif karena peningkatan harga meningkatkan kebutuhan akan pembiayaan., Business services sector has an important role in enhance the real economy and Islamic banking in Indonesia is one of the alternatives to the limited funds the business service sector's employers. Financing by Islamic banking to business services has yet seen the largest share even though value of GDP is relatively small. The aim of this study was to analyze the factors that affect Islamic finance to the business services sector in Indonesia. This study used secondary data from the monthly time series data from January 2009 to December 2013. The results of the analysis OLS showed that the factors affecting Islamic banking financing significantly and according to the hypothesis of business services are third-parties fund, finance to deposit ratio and a conventional bank interest rates to the business services sector in which these three variables as well as the positive effect, equivalent rate of Islamic banking negatively. While non-performing finance variables and inflation significantly but do not conform to the hypothesis.
Keyword: Ordinary Least Square, perbankan syariah, pembiayaan, sektor jasa dunia usaha

Judul: Factors affecting financing of islamic banking in  Indonesia in 2010-2013
Abstrak: Perkembangan pembiayaan perbankan syariah di Indonesia semakin meningkat. Namun, besaran pembiayaan hanya 3-5% jika dibandingkan dengan kredit bank umum konvensional. Tujuan penelitian ini adalah menganalisis faktorfaktor yang memengaruhi besaran pembiayaan yang disalurkan oleh perbankan syariah di Indonesia. Penelitian ini menggunakan metode Vector Error Correction Model (VECM) untuk melihat pengaruh jangka panjang dan respon terhadap guncangan (shock) yang terjadi pada variabel yang diteliti. Hasil penelitian menunjukkan bahwa dalam jangka panjang, tingkat bagi hasil, DPK, dan FDR memberikan pengaruh positif dan signifikan terhadap pembiayaan, sedangkan NPF memberikan pengaruh yang signifikan negatif. ROA dan BOPO tidak berpengaruh signifikan terhadap pembiayaan. Guncangan yang terjadi pada pembiayaan, NPF, dan ROA direspon positif oleh pembiayaan dan akan stabil dalam jangka panjang. Sedangkan guncangan yang terjadi pada tingkat bagi hasil, DPK, FDR, dan BOPO direspon negatif oleh pembiayaan dan akan stabil dalam jangka panjang., Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Keyword: DPK, Pembiayaan, Rasio Keuangan, Tingkat Bagi Hasil, VECM

Judul: Application of carboxymethyl cellulose (CMC) from Pineapple core as edible coating for Grape Tomatoes (Lycopersicon esculentum Mill. 'Santa')
Abstrak: About 161 million tons of tomatoes were produced per year in the world in 2012. However, the large amount of this production was lost partly due to a lack of effective facilities during storage. Such a loss can be minimized using an alternative method which applies carboxymethyl cellulose (CMC) based edible coating. Pineapple core, which creates waste problem in many countries, is a source of cellulose and can be derived into CMC. The aim of this study was to investigate the effect of CMC based coating from 2% pineapple core (CMCpc) and commercial CMC (CMCc) compared to control on weight loss, firmness, total color difference (ΔE), total soluble solid (TSS) and Vitamin C content of grape tomatoes in ambient storage (25oC and 70%). The results showed that in the last day observation, coated grape tomatoes using CMCc and CMCpc had a lower weight loss (14.63 and 24.51%), lower TSS (5.14% and 5.12% Brix) and higher vitamin C content (28.47 and 27.67 mg/100g) than control (24.71% weight loss, 5.6% Brix, and 26.68 mg/100g). However, there was no effect observed in firmness and ΔE of tomatoes with and without coating (p<0.05). These results indicated that CMC coating can delay the moisture loss and ripening process of tomatoes in ambient condition.
Keyword: carboxymethyl cellulose, edible coating, pineapple core, qualities of tomatoes, storage