Judul: Analysis of Macro Economic Factors Towards Saria Bank Financing between Indonesia and Malaysia
Abstrak: The objective of this research are analyzing and comparing the determinant of macroeconomic factors towards Islamic banking in Indonesia and Malaysia. Data used in this research was monthly time series data from period of December 2005 to December 2012 which was obtained from secondary data of Economic and Finance of Bank Indonesia (SEKI-BI), Indonesia Saria Banking Statistic (SPS-BI) and also data taken from Central Bank of Malaysia and Malaysia Department of Statistic. This paper examines the dynamic interactions between financing of Islamic banking and macroeconomic factors between Indonesia and Malaysia by employing the Vector Autoregressive (VAR), Co-integration test and Vector Error Model (VECM) combined with Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) to see whether the macroeconomic condition influences financing and non performing finance in the long-run. Also, it uses time series data of total Islamic bank financing (IB Financing), Non Performing Finance and Industrial Production Index, Profit Loss Sharing of Islamic Interbank Rate using SBIS (Sertifikat Bank Indonesia Syariah) and Malaysia Islamic Interbank Rate, Inflation, Exchange Rate and Money Demand to represent macroeconomic factors. The result of this research found that in the short-run, macroeconomic factor doesn’t affect much on syaria financing. Whereas in the long-run, there is evidence of relationship between macroeconomic and financing on Islamic bank, consist of development of financing, inflation, profit loss sharing, output, money supply and financing. On the other hand, there’s evidence to support following hypothesis of macroeconomic factors are influencing on Islamic bank in both countries, where increase in inflation can causes Islamic banking non performing finance of syaria banking in the long run.
Keyword: Syariah Financing, Non Performing Finance, Inflation, Profit Loss Sharing Ratio of Islamic Interbank Rate, Industrial Production Index, Exchange Rate, Money Supply

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: Pola Pewarisan Karakter Suara Kicauan Pada Burung Perkutut
Abstrak: Turtledove (Geopelia striata) is a singing birds that has a better melodious voice. The inheritance of this character has not been determined, so that research on the voice inheritance is important. This study was aimed to characterize the voice patterns turtledove. Materials consisted of 12 pairs of parents and their progenies. Twelve of their turtledove was ranked based on their sound quality. The parameters observed included voice patterns, the presence of elements of sound, the type of sound, harmonious sound (frequency and level of sound intensity) and duration of the total sound. Voice analysis was done by using computer software Cool Edit Pro version 2.1. Sound visualization was displayed in waveform shape. Sound intensity level was determined using the formula TI = 10 log I/I0, with the value I0 at 10-12 W/m2. Based on the inheritance analysis sire voices is a better chance in herediting of the voice and the number of beats sound of the middle voice. Dam plays an role in giving voice rhythm modification and sound tip inheritance. Based on the sound analysis, sound quality the voice rank from the highest to the lowest were: ♂AK, ♂ FQ, ♂HHa, ♂ ISS, ♂HRR, ♂ BL, ♂CM, ♂ EQ, ♂GQ, ♂DO, ♂DN, and ♂DP. The frequency value and the highest intensity level displayed by AK turtledove were 929.49 Hz and 91.5 dB, whereas the lowest value displayed by ♂DP were 633.59 Hz, and 67.83 dB. The best rhythm of the turtledove indicated by high frequency with a stable pattern, harmonious the intonation, as well as clear basic voice.
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