Judul: Faktor-Faktor Yang Memengaruhi Tingkat Profitabilitas BPRS di Sumatera Barat
Abstrak: Salah satu indikator kinerja keuangan adalah profitabilitas. Bank Pembiayaan Rakyat Syariah (BPRS) memiliki potensi besar di Sumatera Barat dalam menyalurkan pembiayaan karena memiliki penduduk mayoritas muslim serta jumlah UMKM terbanyak ketiga di Sumatera. Akan tetapi, nilai profitabilitas BPRS di Sumatera Barat berada di bawah standar BI. Penelitian ini bertujuan untuk menganalisis perkembangan kinerja BPRS serta faktor-faktor yang memengaruhi profitabilitas BPRS di Sumatera Barat pada periode 2020 hingga 2022. Sampel penelitian ini terdiri atas 7 BPRS dan dianalisis dengan regresi data panel. Hasil penelitian menunjukkan bahwa secara parsial, variabel cash ratio berpengaruh positif (signifikan) terhadap profitabilitas dan variabel BOPO berpengaruh negatif (signifikan) terhadap profitabilitas. Sementara itu, variabel FDR, NPF, IHK dan PDRB tidak berpengaruh terhadap profitabilitas., One of indicators to measure financial performance is profitability. Islamic Rural Banks has great potential in West Sumatera to provide financing because it has a Muslim majority population and being the third largest MSMEs in Sumatera. BPRS in West Sumatera has profitability below the Bank Indonesia (BI) standard. This study aims to analyze the development of BPRS performance and the factors those affect the profitability of BPRS in West Sumatera during the period 2020 to 2022. The research sample consists of 7 BPRS and used panel data regression to analyze. The result of study shows that partially the cash ratio variable has a positive effect (significant) on profitability and the BOPO variable has a negative (significant) effect on profitability. One the other hand, the variables FDR, NPF, IHK and PDRB have no effect on profitability.
Keyword: BPRS, panel data, profitability

Judul: Analisis Faktor-faktor yang Memengaruhi Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia
Abstrak: Profitabilitas merupakan salah satu indikator kinerja lembaga keuangan, termasuk Bank Pembiayaan Rakyat Syariah (BPRS), bank syariah yang lebih fokus dalam memberikan pembiayaan kepada kelompok UMKM. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang memengaruhi profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia. Penelitian ini menggunakan data bulanan dari Januari 2013 sampai Desember 2015 dengan metode analisis Ordinary Least Square (OLS). Hasil analisis data menunjukkan bahwa Capital Adequacy Ratio (CAR), dan Financing to Deposit Ratio (FDR) berpengaruh positif (signifikan) terhadap profitabilitas BPRS, Non Perfoming Financing (NPF), Biaya Operasional tehadap Pendapatan Operasional (BOPO), dan inflasi berpengaruh negatif (signifikan) terhadap profitabilitas BPRS, sedangkan tingkat suku bunga berpengaruh negatif (tidak signifikan) terhadap profitabilitas BPRS.
Keyword: BPRS, OLS, profitabilitas

Judul: Biology Of Columbia Lance Nematode (Hoplolaimus Columbus Sher) On Soybean Excised Root Culture
Abstrak: S. Supramana, S. A. Lewis,.J. D. Mueller, B. A. Fortnum, and R. E. Ballard. 2001. Biology of Columbia lance nematod. ~ (Hoplolaimus columbus Sher) on soybean excised root culture. Nematropica 31 :283-2~)O. Feeding, egg development and oviposition, embryology, and postembtyonic development or Hoplolaimus col'lmbuswere observed on soybean (cultivar Hutcheson) excised root culture in Gam borg's B5 medium (pH 5.7,1.3% agar). Petri plate sterile cultures were placed inverted on a heated microscope stage (30°C) and observations were conducted using a color video camera and a time lapse digital videoca:;sette recorder. Oocytes were obsetved in each gonad 38 hours after feeding commenced and all egg possessing a terminal stalk was laid 96 hours later. Eggs were deposited it, the one-celled stag~ and a total of 217 hours (9 days) was required for a"newly laid egg to develop into a hatching second-stage juvenile at 30°C. Postembryonic development consisted of threejuvenile stages and an adult female with prior feeding occurring before molts and oviposition. The nematode fed ectoparasiticallyon the subepidermal cells and endoparasitically in the cortex and outer vascular tissue and remained at the infection site for 2·9 days. Key words: Columbia lance nematode, embryology, excised root culture, feeding behavior, HOfilo{aimus columbus, life cycle, oviposition, postembryonic development, soybean.
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