Judul: The Influence of Internal and External Factors on the Proportion of Working Capital Financing at Islamic Commercial Bank in Indonesia
Abstrak: Sejak tahun 2014, proporsi pembiayaan modal kerja Bank Umum Syariah (BUS) cenderung menurun dan kondisi terburuk terjadi pada tahun 2020. Penelitian ini bertujuan untuk menganalisis faktor internal dan eksternal yang memengaruhi proporsi pembiayaan modal kerja oleh BUS di Indonesia dengan menggunakan data bulanan dari Juli 2018 hingga Oktober 2021 dan menggunakan metode Vector Error Correction Model (VECM). Hasil penelitian menemukan bahwa berdasarkan estimasi VECM, seluruh faktor internal dan eksternal berpengaruh signifikan terhadap proporsi pembiayaan modal kerja. Proporsi pembiayaan modal kerja merespon guncangan inflasi, PDB, dan SBIS secara positif, sedangkan guncangan DPK dan NPF direspon secara negatif. Inflasi memberikan kontribusi yang dominan dalam menjelaskan keragaman proporsi pembiayaan modal kerja pada BUS di Indonesia., Since 2014, the proportion of working capital financing for Islamic Commercial Banks (BUS) has tended to decline and the worst condition occurred in 2020. This study aims to analyze internal and external factors that affect the proportion of working capital financing by BUS in Indonesia by using monthly data from July 2018 to October 2021 and using the Vector Error Correction Model (VECM) method. The results of the study found that based on the VECM estimation, all internal and external factors had a significant effect on the proportion of working capital financing. The proportion of working capital financing responded positively to inflation, GDP, and SBIS shocks, while TPF and NPF shocks responded negatively. Inflation makes a dominant contribution in explaining the diversity of the proportions of working capital financing for BUS in Indonesia.
Keyword: BUS, internal and external factors, VECM, working capital financing

Judul: Determinan Proporsi Pembiayaan Modal Kerja Sektor UMKM oleh Bank Syariah di Indonesia
Abstrak: Proporsi pembiayaan modal kerja bank umum syariah (BUS) dan unit usaha syariah (UUS) untuk sektor UMKM cenderung menurun setiap tahunnya dan kondisi terburuk terjadi pada tahun 2020. Penelitian ini bertujuan untuk menganalisis faktor internal dan eksternal yang memengaruhi proporsi pembiayaan modal kerja oleh BUS dan UUS untuk sektor UMKM di Indonesia dengan menggunakan data bulanan dari Juni 2017 hingga November 2022. Berdasarkan metode vector error correction model (VECM) diperoleh hasil bahwa proporsi pembiayaan modal kerja merespon positif guncangan DPK, ROA, FDR, dan PDB, sedangkan guncangan NPF, BOPO, inflasi, dan BI Rate direspon negatif. ROA dari faktor internal dan PDB dari faktor eksternal memberikan kontribusi yang dominan dalam menjelaskan keragaman proporsi pembiayaan modal kerja pada BUS dan UUS untuk sektor UMKM di Indonesia., The proportion of working capital financing for Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) for the MSME sector tends to decrease every year and the worst conditions will occur in 2020. This study aims to analyze internal and external factors that influence the proportion of working capital financing by BUS and UUS for the MSME sector in Indonesia using monthly data from June 2017 to November 2022. Based on the Vector Error Correction Model (VECM) method, the results show that the proportion of working capital financing responds positively to DPK, ROA, FDR, and GDP shocks, while NPF, BOPO, inflation, and BI Rate shocks are responded negatively. ROA from internal factors and GDP from external factors make a dominant contribution in explaining the diversity of the proportion of working capital financing at BUS and UUS for the MSME sector in Indonesia.
Keyword: BUS, MSME, UUS, working capital financing, VECM

Judul: Penyusunan Overlap Graph menggunakan Suffix Tree pada DNA Sequence
Abstrak: The DNA sequence assembly is very important in genome analysis. This step aims to reconstruct contigous DNA fragment (contigs) from short fragment by concatenating fragments based on the overlap region among them. This method employs overlap graph for solving the problems. In this graph, nodes represent fragments and edges represent overlap. This research developed a software for constructing overlap graph using suffix tree. The evaluation was conducted by measuring the number of nodes, number of edges, and the execution time in many values of minimum overlap. The minimum overlap is defined as the minimum length of substring which is considered as the overlap region between two fragments. The evaluation results showed that the number of nodes, the number of edges, and the execution time were increased with the decreasing of the minimum overlap value.
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