Judul: Determinants Analysis of Intention to Use Islamic Banks in The Perspective of Non-Customer: A Study from Indonesia.
Abstrak: Islamic banks have been established for three decades in Indonesia, but the disparity in the number of Muslim populations and customers of Islamic banks in Indonesia is still very high. Therefore, this study aims to find out why non-customers of Islamic banks do not choose Islamic banks. This study processed primary data obtained through questionnaires from 120 respondents spread across Indonesia. This study uses purposive sampling techniques in collecting respondents and Multiple Linear Regression in analyzing data. The results of this study show the correlation factors on the interest in using Islamic banking as follows: factors of awareness of products and services, advertising, and religiosity have a positive and significant effect. Then Islamic financial literacy and reputation of Islamic banks have no significant positive correlation. Meanwhile, network, number of ATMs and branch offices have no significant negative correlation, Bank Syariah telah tiga decade berdiri di Indonesia akan tetapi ketimpangan akan jumlah populasi Muslim dan nasabah Bank Syariah di Indonesia masih sangat tinggi. Oleh karena itu penelitian ini brtujuan untuk mengetahui penyebab non-nasabah Bank Syariah tidak memilih Bank Syariah. Penelitian ini mengeolah data primer yang didapatkan melalui kuesioner dari 120 responden yang terseber di Indonesia. Penelitian ini menggunakan teknik purposive sampling dalam mengumpulkan responden dan Multiple Linear Regression dalam menganalisa data. Hasil penelitian ini menunjukan korelasi factor terhadap minat menggunakan Bank Syariah sebagai berikut: faktor kesadaran akan produk dan layanan, iklan, dan religiusitas berpengaruh secara positif dan signifikan. Kemudian literasi keuangan syariah dan reputasi bank syariah berkorelasi positif tdak signifikan. Sementara jar
Keyword: Islamic Banking, Market Share, Awareness, Intention, Non-customer

Judul: Analysis  of  factors  affecting  non-muslims  customer   in using  the  services  of  islamic bank in    DKI  Jakarta
Abstrak: Industri perbankan syariah Indonesia mengalami pertumbuhan dan perkembangan yang signifikan, namun market share perbankan syariah masih kecil yaitu 4,9%. Bank syariah berperan sebagai lembaga intermediasi bagi masyarakat berdasarkan syariah islam, namun tidak hanya dikhususkan untuk umat muslim.Penelitian ini akan menganalisis faktor-faktor yang memengaruhi nasabah non-muslim dalam menggunakan jasa bank syariah di Jakarta. Responden yang digunakan dalam penelitian ini terdiri dari 50 nasabah non-muslim bank syariah dan 50 nasabah non-muslim bank konvensional. Metode yang digunakan dalam penelitian ini adalah metode regresi logistik untuk melihat faktor-faktor yang memengaruhi nasabah non-muslim dalam menggunakan jasa bank syariah dan metode analisis deskriptif digunakan untuk melihat kecenderungan nasabah non-muslim terhadap bank syariah. Faktor-faktor yang terbukti signifikan memengaruhi nasabah non-muslim dalam menggunakan jasa bank syariah adalah faktor lokasi dengan nilai odd ratio sebesar 1.450, faktor keuntungan administratif dengan nilai odd ratio sebesar 6.790, dan faktor stimulan religi dengan nilai odd ratio sebesar 2.679, Islamic banking industry in Indonesia experienced significant growth and development, despite its market share is still small, i.e around 4.9%. Islamic bank is an intermediary institution based on sharia, which serve both muslim and nonmuslim. This study analyzes the factors that affect non-Muslim customers in using the services of Islamic banks in Jakarta. Respondents used in this study consist of 50 non-Muslim customers of Islamic banks and 50 non-Muslim customers of conventional banks. The method used is the logistic regression method. Descriptive analysis methods is used to see the trend of non-Muslim customers towards Islamic banks. Factors that are significantly affecting non-Muslim customers in using the services of Islamic banks in Jakartaare the location factor with an odds ratio value of 1.450, factor of administrative advantages with an odds ratio value of 6.790, and religious stimulant factor with an odds ratio value of 2.679.
Keyword: Bank Syariah, Non-Muslim, Regresi Logistik

Judul: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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