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: Strategi Pengembangan Bank Pembiayaan Rakyat Syariah (BPRS) X di Provinsi DKI Jakarta
Abstrak: BPRS X merupakan lembaga keuangan yang menyediakan produk perbankan berupa pembiayaan, tabungan, dan deposito berdasarkan prinsip syariah. Dalam menjalankan bisnisnya, BPRS X dihadapkan dengan berbagai faktor yang dapat menghambat pengembangannya. Oleh karena itu, BPRS X membutuhkan strategi untuk mengembangkan bisnisnya. Penelitian ini bertujuan untuk mengidentifikasi faktor kekuatan, kelemahan, peluang dan ancaman yang dihadapi oleh BPRS serta merumuskan strategi pengembangan BPRS X di provinsi DKI Jakarta. Metode yang digunakan dalam penelitian ini adalah metode Analytic Network Process (ANP) yang dipadukan dengan struktur jaringan SWOT (Strenghts, Weaknesses, Opportunities, and Threats). Hasil penelitian menunjukkan bahwa Kekuatan merupakan aspek yang paling penting terhadap pengembangan BPRS X. Aspek kekuatan yang paling penting adalah sharia compliance. Aspek kelemahan yang paling penting adalah produk yang kurang variatif. Aspek peluang yang paling penting adalah teknologi yang terus berkembang. Aspek ancaman yang paling penting adalah persaingan ketat (banyaknya jumlah kompetitor). Adapun prioritas dari strategi pengembangan BPRS X adalah inovasi produk., BPRS X is a financial institution that offers banking products on the basis of financing, savings and deposits based on the concept of Shariah principles. BPRS X is confronted with various factors that may disrupt its development. Therefore, to grow its sector, BPRS X requires a strategy. The goal of this study is to identify the strengths, weaknesses, opportunities and threats of BPRS X and formulate strategy development a BPRS X. The Analytic Network Process (ANP) technique combined with the SWOT network structure is the approach used in this study (Strength, Weakness, Opportunity, and Threat). Results have shown that strength is the most important aspect of the development of BPRS X. Sharia compliance is the most important aspect of strength. The lack of product innovation is the most important aspect of weakness. The most important aspect of the opportunity is the sustained development of technology. The most important aspect of the threat is fierce competition (a large number of competitors). The priority of the development strategy for BPRS X is product innovation.
Keyword: analytic network process, sharia rural bank, strategy, SWOT

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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