Judul: Analysis of factors affecting demand of mudharaba financing for sme and effectiveness of mudharaba financing for sme (case study: in bmt x jakarta)
Abstrak: Sektor usaha mikro, kecil dan menengah sangat berperan penting dalam pertumbuhan perekonomian di Indonesia. Sektor ini mampu menyerap tenaga kerja sebesar 97.16%, sehingga dapat menjadi penyedia lapangan pekerjaan. Pertumbuhan dan perkembangan usaha kecil di Indonesia saat ini belum sepenuhnya diimbangi dengan peningkatan kualitas usaha kecil. Hal ini dikarenakan masih terdapat kendala dalam melakukan usaha dan perkembangan usahanya, yaitu keterbatasan modal. Baitul Maal wat Tamwil (BMT) hadir sebagai penyedia jasa keuangan usaha mikro dengan alternatif penawaran pembiayaan pada sistem bagi hasil, salah satunya yaitu akad pembiayaan Mudharabah. Penelitian ini menganalisis faktor-faktor yang memengaruhi permintaan pembiayaan Mudharabah dan efektivitas pembiayaan Mudharabah bagi UMKM pada BMT X Jakarta dengan menggunakan metode path analysis dan analisis deskriptif. Hasil penelitian menunjukkan faktor-faktor yang memengaruhi permintaan pembiayaan Mudharabah bagi UMKM adalah pendapatan sebelum mendapat pembiayaan Mudharabah, margin pembiayaan dan besaran agunan.Selain itu, hasil path analysis menunjukkan permintaan pembiayaan Mudharabah berpengaruh positif terhadap pendapatan setelah mendapat pembiayaan Mudharabah. Efektivitas pembiayaan Mudharabah pada BMT X Jakarta dinilai secara langsung berdasarkan persepsi nasabah dan didapat hasil penilaian efektivitas pada BMT X Jakarta yang tergolong cukup efektif., Micro, small and medium enterprises play significant role in the economic growth of Indonesia. This sector adsorbs 97.16% of the total labour. The growth and development of small businesses in Indonesia are not in balance with the quality increase of small businesses.It is because there are obstacles in doing and developing businesses, which is capital limitation. Baitul Maal wat Tamwil (BMT) as microfinance institution provides financial services to micro enterprises. It offers alternatif profit and loss sharing system, which is Mudharaba financing agreement. This study analyzes factors that influence thedemand of Mudharaba financing and effectiveness of Mudharaba financing for SMEs in BMT X Jakarta Area by using path analysis and descriptive analysis methods. The results show that the factors affecting demand Mudharaba financing for SMEs is earnings prior to Mudharaba financing, margin of financing and the amount of collateral. In addition, the results of path analysis show that Mudharaba financing demand has a positive effect on earnings prior to Mudharaba financing. Effectiveness of Mudharaba financing in BMT X Jakarta Area is assessed based on the customer perception and the resultsof BMT X Jakarta Area effectiveness is classified as fairlyeffective.
Keyword: efektivitas, faktor, path analysis, pembiayaan mudharabah

Judul: Analysis of factors affecting demand of mudharaba financing for sme and effectiveness of mudharaba financing for sme (case study: in bmt x jakarta)
Abstrak: Sektor usaha mikro, kecil dan menengah sangat berperan penting dalam pertumbuhan perekonomian di Indonesia. Sektor ini mampu menyerap tenaga kerja sebesar 97.16%, sehingga dapat menjadi penyedia lapangan pekerjaan. Pertumbuhan dan perkembangan usaha kecil di Indonesia saat ini belum sepenuhnya diimbangi dengan peningkatan kualitas usaha kecil. Hal ini dikarenakan masih terdapat kendala dalam melakukan usaha dan perkembangan usahanya, yaitu keterbatasan modal. Baitul Maal wat Tamwil (BMT) hadir sebagai penyedia jasa keuangan usaha mikro dengan alternatif penawaran pembiayaan pada sistem bagi hasil, salah satunya yaitu akad pembiayaan Mudharabah. Penelitian ini menganalisis faktor-faktor yang memengaruhi permintaan pembiayaan Mudharabah dan efektivitas pembiayaan Mudharabah bagi UMKM pada BMT X Jakarta dengan menggunakan metode path analysis dan analisis deskriptif. Hasil penelitian menunjukkan faktor-faktor yang memengaruhi permintaan pembiayaan Mudharabah bagi UMKM adalah pendapatan sebelum mendapat pembiayaan Mudharabah, margin pembiayaan dan besaran agunan.Selain itu, hasil path analysis menunjukkan permintaan pembiayaan Mudharabah berpengaruh positif terhadap pendapatan setelah mendapat pembiayaan Mudharabah. Efektivitas pembiayaan Mudharabah pada BMT X Jakarta dinilai secara langsung berdasarkan persepsi nasabah dan didapat hasil penilaian efektivitas pada BMT X Jakarta yang tergolong cukup efektif., Micro, small and medium enterprises play significant role in the economic growth of Indonesia. This sector adsorbs 97.16% of the total labour. The growth and development of small businesses in Indonesia are not in balance with the quality increase of small businesses.It is because there are obstacles in doing and developing businesses, which is capital limitation. Baitul Maal wat Tamwil (BMT) as microfinance institution provides financial services to micro enterprises. It offers alternatif profit and loss sharing system, which is Mudharaba financing agreement. This study analyzes factors that influence thedemand of Mudharaba financing and effectiveness of Mudharaba financing for SMEs in BMT X Jakarta Area by using path analysis and descriptive analysis methods. The results show that the factors affecting demand Mudharaba financing for SMEs is earnings prior to Mudharaba financing, margin of financing and the amount of collateral. In addition, the results of path analysis show that Mudharaba financing demand has a positive effect on earnings prior to Mudharaba financing. Effectiveness of Mudharaba financing in BMT X Jakarta Area is assessed based on the customer perception and the resultsof BMT X Jakarta Area effectiveness is classified as fairlyeffective.
Keyword: efektivitas, faktor, path analysis, pembiayaan mudharabah

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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