Judul: Analysis of MSME Financing Feasibility at PT. BPRS Botani Bina Rahmah Bogor
Abstrak: Kegiatan capstone project di PT BPRS Botani Bina Rahmah Bogor memberikan temuan permasalah aktual terkait dengan pembiayaan, yaitu penemuan masalah nasabah yang kesulitan atau menghindari pemenuhan kewajiban. Didukung dengan peningkatan jumlah UMKM di area kota dan kabupaten Bogor, serta tingginya tingkat risiko pembiayaan, penelitian ini bertujuan untuk menganalisis implementasi prinsip 5C dan 7P sebagai metode yang biasa digunakan dalam analisis pembiayaan untuk mengidentifikasi dan mengelola risiko pembiayaan UMKM. Penelitian juga menganalisis tingkat risiko pembiayaan UMKM di BPRS Botani sebagai salah satu alat ukur efektivitas implementasi prinsip 5C dan 7P. Data penelitian ini diperoleh melalui observasi, wawancara dengan pemangku kepentingan menggunakan metode purposive sampling, dan arsip bank mencakup kebijakan, statistik, dan administrasi bank. Analisis data dengan teknik triangulasi dan analisis kualitatif. Hasil penelitian menunjukkan bahwa PT BPRS Botani Bina Rahmah Bogor menerapkan prinsip 5C (character, capacity, capital, collateral, condition of economy) dan 5P (party, purpose, prospect, profitability, protection) dalam menilai nasabah. Terdapat 4 aspek yang perlu diperhatikan, yaitu aspek character, capacity, condition of economy, dan protection. Perubahan kondisi manajemen dan menambah jumlah pembiayaan menjadi langkah strategis yang diambil guna menurunkan tingkat risiko pembiayaan bermasalah., The capstone project activity at PT BPRS Botani Bina Rahmah Bogor provided findings of actual problems related to financing, namely the discovery of customer problems that are difficult or avoid fulfilling obligations. Supported by the increasing number of MSMEs in the Bogor city and district area, as well as the high level of financing risk, this research aims to analyze the implementation of the 5C and 7P principles as a method commonly used in financing analysis to identify and manage MSME financing risk. The research also analyzed the level of risk of MSME financing at BPRS Botani as a measure of the effectiveness of the implementation of the 5C and 7P principles. The data was obtained through observation, interviews with stakeholders using purposive sampling method, and bank archives including policies, statistics, and bank administration. Data analysis using triangulation techniques and qualitative analysis. The results showed that PT BPRS Botani Bina Rahmah Bogor applies the 5C (character, capacity, capital, collateral, condition of economy) and 5P (party, purpose, prospect, profitability, protection) principles in assessing customers. There are 4 aspects that need to be considered, namely character, capacity, condition of economy, and protection. Changes in management conditions and increasing the amount of financing are strategic steps taken to reduce the risk of non-performing financing.
Keyword: UMKM, Pembiayaan Bermasalah, Prinsip 5C dan 7P, Rasio NPF, 5C and 7P Principles, MSME Financing Feasibility Analysis, NPF Ratio, Problem Financing

Judul: Faktor-faktor yang memengaruhi aset usaha pelaku usaha mikro kecil (Studi Kasus: Nasabah PT. BPRS Sukowati Sragen)
Abstrak: Usaha mikro dan kecil (UMKM) merupakan salah satu sektor yang sangat penting bagi perkembangan perekonomian negara khususnya Indonesia. Salah satu faktor yang mempengaruhi pertumbuhan Skala Usaha UKM di Indonesia adalah permodalan. BPRS merupakan salah satu perbankan syariah yang berperan dalam mendukung perkembangan sektor Usaha Mikro Kecil dan Menengah (UMKM). Penelitian ini bertujuan untuk mengidentifikasi karakteristik nasabah pembiayaan PT. BPRS Sukowati Sragen dan menganalisis faktor-faktor yang memberikan pengaruh aset usaha pelaku nasabah pembiayaan PT BPRS Sukowati. Sampel pda penelitian ini sebnayak 83 responden.Metode yang digunakan dalam penelitian ini adalah analisis deskriptif, uji-t berpasangan, dan regresi Linier Berganda. Berdasarkan hasil uji-t berpasangan menunjukkan variabel Modal awal usaha memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM. Variabel Besar pembiayaan memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM.variabel Lama Pendidikan memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM. Variabel Lama Usaha memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM.Variabel Jumlah Pekerja tidak memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM.Variabel Omzet memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM. Variabel Modal awal usaha Besar pembiayaan, Lama Pendidikan, Lama Usaha, Jumlah Pekerja, Omzet memiliki pengaruh secara simultan terhadap Aset Usaha pelaku UMKM, Micro and small enterprises (MSMEs) are a sector that is very important for the development of the country's economy, especially Indonesia. One of the factors influencing the growth of SME Business Scale in Indonesia is capital. BPRS is one of the sharia banks that plays a role in supporting the development of the Micro, Small and Medium Enterprises (UMKM) sector. This study aims to identify the characteristics of the financing customers of PT. BPRS Sukowati Sragen and analyzes the factors that influence the business assets of the financing customers of PT BPRS Sukowati. The sample of this research is 83 respondents. The method used in this research is descriptive analysis, paired t-test, and multiple linear regression. Based on the results of the paired t-test, it shows that the initial capital variable has a significant effect on the business assets of MSME players. The size of the financing variable has a significant influence on the business assets of MSME actors. The length of education variable has a significant effect on the business assets of MSME actors. The length of business variable has a significant effect on the business assets of MSME actors. The variable number of workers does not have a significant effect on the business assets of MSME actors. The turnover variable has a significant influence on the business assets of MSME players. The variables of initial capital financing, length of education, length of business, number of workers, turnover have a simultaneous influence on the business assets of MSME actors.
Keyword: BPRS, Pembiayaan, Aset Usaha, UMK

Judul: Hamiltonian formulation for linear waves motion in two layers fluid
Abstrak: The surface wave could be considered as a wave that separates two fluids, namely water and air. Based on this assumption, it is introduced the interfacial wave, a wave between two layers of fluid with different density. The formulation of interfacial waves motion begins with deriving the base equation of irrotational ideal fluid. Furthermore, according to irrotational fluid assumption, the base equation can be stated in velocity potential. In this derivation, the fluids domain is assumed to be restricted by rigid lid boundary conditions, both at the upper and lower limit. Therefore, the interfacial waves motion can be explained in a hamiltonian formulation. In the hamiltonian formulation, total energy is defined as the sum of kinetic and potential energy. The hamiltonian system is obtained from reduction of kinetic energy by using the Dirichlet Neumann Operator. The resulted kinetic energy equation is nonlinear. Therefore, this form is linearized by first part of the Taylor expansion. This linearization gives a dispersion relation of linear wave. Based on this dispersion relation, the phase speed of the linear wave depends on the density ratio of the two layers fluid.
Keyword: