Judul: FACTORS AFFECTING INCOME AND BUSINESS PROFITS OF MICRO WAQF BANK CUSTOMERS
Abstrak: Pendirian Bank Wakaf Mikro (BWM) bertujuan untuk mengurangi tingkat kemiskinan dan ketimpangan pendapatan di Indonesia. Tujuan penelitian ini adalah: 1) menganalisis karakteristik usaha mikro yang mendapatkan pembiayaan hanya dengan BWM dengan yang mendapatkan pembiayaan dari tempat lain; 2) menganalisis perbedaan pendapatan dan keuntungan usaha mikro yang mendapatkan pembiayaan hanya dari BWM dengan yang mendapatkan pembiayaan dari tempat lain; 3) mengidentifikasi faktor-faktor yang memengaruhi pendapatan dan keuntungan usaha nasabah BWM. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif dengan analisis regresi linear berganda. Hasil dari penelitian ini menunjukkan bahwa; 1) terdapat perbedaan karakteristik usaha mikro yang mendapatkan pembiayaan dari BWM dan yang mendapatkan pembiayaan tambahan dari tempat lain; 2) usaha nasabah BWM yang mendapat tambahan pembiayaan dari pihak lain memiliki pendapatan dan keuntungan yang lebih tinggi dibanding dengan yang hanya mendapat pembiayaan dari BWM; 3) secara simultan, variabel usia, pendidikan, lama usaha, jenis usaha, modal usaha, pembiayaan dari pihak lain, dan keaktifan nasabah dalam pendampingan berpengaruh signifikan terhadap pendapatan dan keuntungan usaha nasabah BWM., Micro Waqf Bank (BWM) aims to reducing the level of poverty and income inequality in Indonesia. This research aims to; 1) analyze the characteristics of micro-enterprises that receive financing only from BWM and those who receive additional financing from other parties; 2) analyze differences in income and business profits of BWM customers who receive additional financing from other parties; 3) identify factors affecting income and business profits of BWM customers. The method used in this research is descriptive quantitative method with multiple linear regression analysis. The results of the study indicate that; 1) there are differences in the characteristics of micro-enterprises that receive financing from BWM and those receive additional financing from other parties; 2) BWM customer businesses that receive additional financing from other parties have higher income and profits compared to those that only receive financing from BWM; 3) Simultaneously, the variables of age, education, business age, kind of business, business capital, financing from other parties, and customer activity in mentoring have a significant effect on income and business profits of BWM customers.
Keyword: Financing, Micro Enterprises, Micro Waqf Bank, Profitability

Judul: The Effect of Financing Program in Microfinance Institution (LKMS) towards the Income of Micro Enterprises Doers (BMT An-Nur, Banjarnegara)
Abstrak: Usaha Mikro (UM) sangat berperan dalam membangun perekonomian Indonesia. Terbatasnya modal membuat pengembangan usaha mikro kian sulit. Baitul Maal wat Tamwil (BMT) termasuk bagian lembaga keuangan mikro syariah yang bisa menjadi pendukung permodalan usaha mikro. Satu diantara akad yang digunakan untuk pembiayaan Usaha Mikro di BMT An-Nur yaitu akad Mudharabah. Tujuan penelitian ini yaitu untuk menganalisis pengaruh karakteristik responden dan karakteristik usaha responden terhadap pendapatan pelaku usaha mikro. Metode yang dipergunakan yakni metode Regresi Linier Berganda dengan estimasi OLS dan metode Uji T Berpasangan. Hasil dari penelitian ini yaitu analisis deskriptif berupa karakteristik responden adalah usia dan pendidikan dan untuk karakteristik usaha responden berupa lama usaha, jarak, omset dan pembiayaan pendaptan pelaku usaha mikro memiliki perbedaan setelah melakukan pembiayaan di BMT An-Nur. Variabel yang secara positif signifikan memengaruhi pendapatan adalah pembiayaan yang diambil responden pendidikan, jarak, dan variabel lama usaha., Micro Enterprises plays a very important role in building the Indonesian economy. Limited capital makes the development of micro-enterprises increasingly difficult. Baitul Maal wat Tamwil (BMT) is part of a sharia microfinance institution that can support micro-enterprise capital. One of the contracts used to finance Micro Enterprises at BMT An-Nur is mudharabah. The purpose of this study is to analyze the effect of respondent characteristics and business characteristics of respondents on the income of micro-enterprises. The method used in this study is the Multiple Linear Regression method with estimation OLS and the Paired T Test method. The results of the research are descriptive analysis of the characteristics of the respondents is age and education, and the business characteristics of the respondents islength of business, distance, turnover and financing. The variables that have a significant positive effect on income are the financing taken by the respondent, education, distance, and the variable length of business. The income of micro business actors has a difference after financing at BMT An-Nur.
Keyword: BMT, OLS, UMKM, Paired T-Test

Judul: Pembuatan Film Tipis Cu2ZnSnS4 sebagai Lapisan Penyerap Cahaya pada Sel Surya Menggunakan Metode Elektrodeposisi
Abstrak: Thin film of Cu2ZnSnS4 (CZTS) is an alternative semiconductor used as light absorber layer on solar cell. CZTS can replace silicon that commonly used as commercial semiconductor. The advantage of using CZTS as absorber layer is due to the abundance of its chemical composer on earth, and its high value of absorption coefficient. The absorber layer was made by using electrodeposition method on ITO glass substrates. The films were deposited at room temperature using potentiostatic mode with a potential of –1.05 V for 30, 45, and 60 minutes. After that, the films were annealed at two different temperatures, 180 ºC and 500 °C, for 45 minutes in N2/H2S atmosphere. Based on X-ray diffraction analysis, the polycrystalline thin film obtained fall into kesterite crystal phase. This type of crystal was obtained when the CZTS was annealed at 500 °C in H2S/N2 atmosphere. The value of optical band gap energy for the CZTS thin film was 2.2 eV with the film thickness about 1.228–6.366 μm. The sample of CZTS with electrodeposition time of 45 minutes and annealing temperature of 500 °C showed the best result and in conformity with absorber layers criteria for solar cells.
Keyword: semiconductor, ITO glass, CZTS thin film, electrodeposition