Judul: Strategi Pengembangan Koperasi Jasa Keuangan Syariah Dalam Pembiayaan Usaha Mikro Di Kecamatan Tanjungsari, Strategi Pengembangan Koperasi Jasa Keuangan Syariah Dalam Pembiayaan Usaha Mikro Di Kecamatan Tanjungsari (Studi Kasus Pada Kjks Bmt Mardlotillah Di Kecamatan Tanjungsari, Kabupaten Sumedang, Jawa Barat)
Abstrak: KJKS as Islamic microfinance institution have a strategic role in the expansion of employment and reduce poverty. KJKS have a role as agent of asset distribution for the economic empowerment of the community, through Baitul Maal activities which is serve as a social institution and Baitul Tamwil which is serve as business institutions with Islamic patterns. It is need a strategy in developing the microfinance in order to have a good contribution of KJKS. The aimed of the study were : 1) Identify the KJKS aspects in business development, 2) identify internal factors (strengths and weaknesses) and external factors (opportunities and threats) that may indicate the position of cooperatives and opportunities in business development, 3) arrange appropriate formulation and alternative energy for development of microfinance KJKS. Data were collected with primary and secondary data collection through library, field observation, questionnaires, worksheets and interview skills approach (administrators/ managers and experts) Techniques and data processing using descriptive analysis both normative (according to the rules of sharia and legislation in force), qualitative (describing the profile, products and processes as well as business activities KJKS describe IFE matrix, EFE, IE, SWOT and QSPM), and quantitative (do the calculation above tabulation health assessment and weighting of the IFE, EFE, and IE). Data processing is done using Microsoft Office Excel 2007 and SPSS ver. 15.0 for Windows. Data showed from scoring through IFE matrix (3.14) and EFE (2.92) and grouping strategies using IE matrix that KJKS Mardlotillah BMT are at the Development and Expansion. The strategy is designed to achieve capital growth conditions, asset and financing for micro distribution cooperative members. Development Strategy KJKS BMT Mardlotillah generated SWOT matrix and QSP obtained suggested five strategic priorities are: 1) Improved quality of service and sharia business management (7.109), 2) Increasing cooperatives imaging through improved internal oversight and accountability of financial statements (6.148) and 3) Increase the quality of human resources that are reliable and robust (6.137). 4) Establish a good relationship/partnership with the financial institutions (5.902), and 5) Optimization services and coaching/mentoring business member loyalty to motivate and saving members interests (5.772).
Keyword: 

Judul: Strategi Pengembangan Pembiayaan Syariah di Sektor Mikro Agribisnis (Studi Kasus Bank Syariah Mandiri KCP Tajur, Bogor)
Abstrak: Bank of Syariah Mandiri is one of banking company which provide funding of micro syariah for micro agribusiness. The purpose of this research are to identify the internal and eksternal strategy factor of company, to analyze the alternative strategy of business development and also to recommend the priority of strategy which can be applied by BSM KCP Tajur in expanding The business. This research used Delphi technique, IFE Matrix, EFE, IE, SWOT and QSP Matrix which indicate the internal condition of company namely company management, manpower productivity, marketing of financial service, location of the company, financial condition, capital power, quality service, means and operational infrastructure, and also the information system of the company management. This research also indicates the eksternal condition of company namely economy, social culture, government contribution, technology and information system development, The number of new established companies, bargaining power among purchasers and suppliers, the threat of substitution product and the competition among the members of industry. Based on IE matrix analysis That BSM KCP TAJUR is on growing and developing position with main strategy are intensive strategy and integrative strategy. Based on SWOT matrix analysis obtainable eight strategies. The priority strategy base on QSP matrix result of BSM KCP TAJUR is that the strategy of corporation development whith micro agribusiness organization by utilizing the social program from the government.
Keyword: business development strategy., syariah micro finance, Agribusiness micro

Judul: Embriogenesis ikan buta (Astyanax fasciatus)
Abstrak: Ikan buta Astyanax fasciatus adalah spesies ikan unik dari famili Characidae yang menempati perairan dalam gua di Wilayah La Cueva Chica-San Luis Potasi-Mexico. Ikan ini memiliki mata yang tereduksi (Blind Cavefish) dan warna kulit merah muda, pucat serta mengkilap.
Keyword: