Judul: Preferensi Nasabah Non Muslim Terhadap Bank Syariah di Kabupaten dan Kota Semarang
Abstrak: Larangan riba adalah aturan yang terdapat pada semua agama. Hal ini memberikan potensi bagi perbankan syariah untuk menarik nasabah non muslim. Kabupaten dan Kota Semarang memiliki jumlah penduduk beragama non muslim terbesar di Jawa Tengah. Saat ini jumlah nasabah yang menggunakan bank syariah telah mencapai 22 juta pada tahun 2017. Angka ini masih berpotensi untuk ditingkatkan dengan mengidentifikasi preferensi nasabah non muslim dalam memilih bank syariah. Dengan demikian, penelitian ini bertujuan untuk mengetahui faktor yang memengaruhi preferensi nasabah non muslim terhadap bank syariah di Kabupaten dan Kota Semarang. Sebanyak 120 responden telah diteliti, dengan proporsi 60 responden nasabah bank syariah dan 60 responden lainnya adalah nasabah yang tidak menggunakan bank syariah. Sampel tersebut diambil dengan menggunakan teknik non-probability sampling dan metode analisis regresi logistik sebagai metode pengolahan data. Hasil penelitian menunjukkan bahwa faktor yang memengaruhi preferensi nasabah non muslim untuk menggunakan bank syariah adalah faktor pengetahuan, nisbah bagi hasil, religiusitas, keuntungan administrasi dan pendapatan. Dengan demikian bank syariah dapat menargetkan masyarakat non muslim dengan melakukan sosialisasi produk keuangan syariah untuk menjadi nasabahnya.
Keyword: bank syariah, nasabah non muslim, regresi logistik

Judul: Analisis faktor-faktor yang memengaruhi preferensi nasabah terhadap Bank Syariah di DKI Jakarta
Abstrak: Islamic banking has grown rapidly, but it is still far enough compared with the conventional banking. This is shown by the number of third party funds (DPK) of conventional banking which is almost 20 times higher compared to the number of sharia banking’s third party funds (DPK). This study analyzes the factors that affect customer preference for Islamic banks and the customer's perception of the Islamic banks. The data used are primary data and secondary data. Primary data was gained from 30 respondents of Islamic banks costumer and 30 conventional bank customers. Factors that affect customer’s preference for Islamic banks are analyzed using logistic regression method, while the factors influencing customer's perception of the Islamic banks are analyzed using descriptive analysis. The results of logistic regression show that the factors that affecting customer preferences towards Islamic banks are Education, Knowledge, Household Expenditure and Facilities. The results of the customer's perception show that the Islamic banks are good enough.This can be seen from the services which has the highest mean value of 3.53, knowledge of 3.31, institution image of 3.08, facility of 2.88, accessibility of 2.85, and promotion of 2.61.
Keyword: Bogor Agricultural University (IPB), Preference, Perception, Logistic Regresion Method, Islamic Bank

Judul: Growth, Concentration Chlorophyll-a, and Structure of Macroalgae Gracilaria edulis in the Culture Media Containing Copper
Abstrak: The physiological responses (specific growth rate, concentration of chlorophyll-a, morphological and anatomical structure of the vegetative cells) of the marine macroalga Gracilaria edulis at the different concentrations of copper (0.01 as control, 0.04, 0.06 and 0,5 ppm) delivered continuously for 28 days under controlled laboratory conditions were investigated. Result showed that the degree of copper toxicity depends on both factor the concentration and exposure time. Copper concentration and day of exposure decreased significantly the specific growth rate (SGR) of the Gracilaria edulis but only 0,5 ppm Cu decreased the chlorophyll-a content when compared to control. Of the various physiological end points measured, growth proved to be the most sensitive response than chlorophyll-a with reductions in specific growth rate (SGR). The reason for this could be related to a greater sensitivity of the enzymes involved in growth than those related to chlorophyll-a or a greater energy needs to maintain cellular integrity and metabolic processes under sublethal Cu stress. In all cases, the main effect on vegetative cells were structure changes in cortex and subcortex cells, compared to control, macroalgae exposed to copper showed depigmentation and blending in the lateral branches, heavy staining of the cell wall and severe damage of cell membrane, while the mucilage and the cell walls was densely fibrillar, thick and heavily stained, the cortex cell was clearly vacuolated, the presence of endophytic on the cell wall and endophytic spores in the mucilage. The presence vacuoles should be related to a metal immobilization mechanism, minimizing the Cu toxicity for cells. The epiphytic bacteria can act as a biofilter diminishing the availability of Cu for macroalgae accumulation.
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