Judul: Analisis Tingkat Kesehatan BMT dan Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Usaha Mikro (Studi Kasus BMT Al-Azhar Maros)
Abstrak: Micro enterprises has become the center of attention for the government and the society due to its significant roles in economics development. Micro enterprises; that holds a strategic role, is facing a common problem which is limited source of capital to operate its business. BMT, as the alternative choice of MFI is present among the society is used as source of credit for MSMEs. This research is to analyze the financial performances of BMT and the impact of sharia financing on the development of the micro enterprises which uses the assesment rasio from PINBUK and OLS. The result of the analysis indicates, that the financial performace of BMT period 2012-2014 has good performance. The factor that determines the income of the micro enterprise is the the length of the bussiness activitiy, the amount of the credit, and the length of the education spent by the bussiness owner.
Keyword: Bogor Agricultural University, Ordinary Least Square (OLS), Micro enterprises, Financial Performance, BMT

Judul: Analisis Pengaruh Pembiayaan Syariah Terhadap Perkembangan Usaha Mikro Kecil Menengah di Kota Depok.
Abstrak: Micro, Small and Medium Enterprises (MSMEs) is has an important role to economic growth. Most of MSMEs faced common problem of lack of capital. Baitul Maal wat Tamwil (BMT) as a micro finance institution exists as an institution conducting the provision of financial services to micro and small entrepreneurs. This study analyzed MSMEs access to BMT and its impact on business development by using logistic regression and OLS (Ordinary Least Square). The analysis shows the factors that affect the access of SMEs to Islamic micro finance of BMT are business period, business turnover, total assets, and the amount of savings. The number of Islamic micro financing has a positive influence on the development of MSME business. Factors that affect the value of turnover development are the frequency of the financing, the period of business, and the amount of financing.
Keyword: MSMEs., Logistic Regression, OLS, BMT

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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