Judul: Strategi Pengembangan Pembiayaan KPR Syariah Bagi Generasi Milenial di Indonesia: Pendekatan ANP-SWOT
Abstrak: Pembiayaan KPR syariah merupakan fasilitas pembiayaan yang diberikan bank syariah kepada nasabah dalam rangka kepemilikan rumah menggunakan akad berdasarkan prinsip syariah. Salah satu target pasar pembiayaan KPR syariah adalah generasi milenial. Tujuan penelitian ini adalah mengidentifikasi aspek kekuatan, kelemahan, peluang, dan ancaman serta merumuskan strategi pengembangan pembiayaan KPR syariah bagi generasi milenial di Indonesia. Metode penelitian yang digunakan adalah ANP-SWOT (Analytical Network Process – Strengths, Weaknesses, Opportunities, and Threats). Hasil penelitian menunjukkan bahwa aspek kekuatan menjadi prioritas utama dalam menunjang pengembangan pembiayaan KPR syariah. Variabel kekuatan, kelemahan, peluang, dan ancaman yang paling berpengaruh adalah pembiayaan KPR syariah menggunakan akad-akad yang sesuai dengan prinsip syariah, sosialisasi dan promosi masih kurang, minat generasi milenial memilih KPR syariah semakin tinggi dan menjadi kelompok usia terbanyak pencari properti, serta rendahnya pengetahuan dan perbedaan persepsi masyarakat terhadap pembiayaan KPR syariah. Adapun strategi yang paling prioritas untuk diterapkan adalah meningkatkan sosialisasi dan memperluas promosi melalui berbagai lini media., Sharia mortgage financing is a financing facility provided by sharia banks to customers for home ownership using a contracts based on sharia principles. One of the target markets for sharia mortgage financing is the millennial generation. The purpose of this research is to identify aspects of strengths, weaknesses, opportunities, and threats as well as formulate a strategy for developing sharia mortgage financing for millennial generation in Indonesia. The research method used is ANP-SWOT (Analytical Network Process – Strengths, Weaknesses, Opportunities, and Threats). The research results show that the strength aspect is the main priority in supporting the development of sharia mortgage financing. The most influential variables of strengths, weaknesses, opportunities, and threats are sharia mortgage financing using contracts that comply with sharia principles, socialization and promotion are still lacking, the interest of the millennial generation in choosing sharia mortgage is increasing and they are the age group with the largest number of property seekers, and low knowledge and differences in public perception of sharia mortgage financing. The most priority strategy to be implemented is increasing socializations through various media channels.
Keyword: ANP-SWOT, financing, sharia mortgage, strategy

Judul: Minat Beli Generasi Milenial Terhadap Dana Pensiun Lembaga Keuangan Skema Syariah di Kota Bandarlampung
Abstrak: Millennial generation is classified as a productive age and has a population composition of 25,87% of the Indonesian population. However, millennial generation has a low ownership and interest in pension program. This study aims to analyze factors affecting millennial’s purchase intention of DPLK sharia scheme. The sample used was 116 millennials that were taken by non-probability sampling with purposive sampling technique. The methods used are descriptive analysis and inferential analysis with SEM-PLS approach. The analysis results showed that halal awareness, religious beliefs, preparation of retirement financial planning, marketing strategy, and knowledge had a significant positive relationship on purchase intention of Millennial towards Financial Institution Pension Fund (DPLK) sharia scheme., Millennial generation is classified as a productive age and has a population composition of 25,87% of the Indonesian population. However, millennial generation has a low of ownership and interest in pension program. This study aims to analyze factors affecting millennial’s purchase intention of DPLK sharia scheme. The sample used was 116 millennials that were taken by non-probability sampling with purposive sampling technique. The methods used are descriptive analysis and inferential analysis with SEM-PLS approach. The analysis results showed that halal awareness, religious beliefs, preparation of retirement financial planning, marketing strategy, and knowledge had a significant positive relationship on purchase intention of Millennial towards Financial Institution Pension Fund (DPLK) sharia scheme.
Keyword: DPLK, millennial generation, purchase intention, SEM-PLS

Judul: Characterization and Expression of Tomato infectious chlorosis virus Coat Protein Gene in Escherichia coli
Abstrak: Tomato infectious chlorosis virus (TICV) is a member of Crinivirus genus. TICV infects tomato crop in Garut and Cipanas, West Java Indonesia. Tomato initially showed bright interveinal yellowing symptoms. The coat protein gene (CP-TICV) was amplified by RT-PCR from total RNA extracted from infected tomato leaves and the amplified fragment was cloned and completely sequenced. The fragment was subsequently subcloned into the pET-21b expression vector. The recombinant plasmid was transformed to Escherichia coli strain BL21(DE3)pLysS to express the coat protein. The coat protein fused to a 6xhistag, was purified by affinity chromatography using a NiNTA spin column. The identity of the purified protein was confirmed by SDS-PAGE. In this experiment, 792 bp of CP-TICV gene of TICV virus has been successfully cloned, sequenced, and expressed in E. coli. Based on nucleotide sequences alignment analysis, TICV-Indonesia strain showed 100% identity to TICV –Spain strain and 99% identity to North America, France, and California strains and based on amino acid sequences alignment analysis, TICV-Indonesia strain showed 100% identity to TICV –Spain, North America, France strains and 99.2% identity to California strain. CP-TICV showed over expressed in E. coli when it is induced with 1 mM IPTG and incubated at 37oC. Purified CP-TICV-Histag recombinants protein sized 29 kDa based on SDSPAGE analysis.
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