Judul: Faktor-faktor yang Memengaruhi Pembiayaan Usaha Mikro Bermasalah pada KSPPS KIS Bogor.
Abstrak: Peran pembiayaan mikro dalam meningkatkan pertumbuhan ekonomi dan pemberdayaan perempuan dapat dilihat dari akses perempuan terhadap sumber daya personal dan sumber daya publik. Sistem pembiayaan usaha mikro pada KSPPS KIS Bogor menggunakan sistem rembug pusat yang beranggotakan kaum perempuan seperti penyaluran kredit pada Grameen Bank oleh Muhammad Yunus di Bangladesh. Namun demikian, tingkat pembiayaan bermasalah di lembaga keuangan mikro ini meskipun masih relatif kecil, akan tetapi cenderung meningkat. Dengan demikian, tujuan utama dari penelitian ini adalah untuk menganalisis faktor apa saja yang memengaruhi tingkat kemacetan kredit usaha mikro pada KSPPS KIS Bogor. Data utama yang digunakan adalah data primer yang dikumpulkan melalui wawancara dengan menggunakan kuesioner dari responden sampel yang mengambil pembiayaan pada KSPPS KIS Bogor dimana sampel tersebut ditentukan secara purposive. Metode analisis yang digunakan dalam penelitian ini adalah model ekonometrik Ordinary Least Square (OLS). Hasil penelitian ini menunjukkan bahwa faktor-faktor yang berpengaruh dan memiliki hubungan positif dalam tingkat kemacetan kredit usaha mikro adalah usia, pemanfaatan pinjaman (dummy) dan petugas lapang (dummy). Sedangkan faktor omset dan jangka waktu pengembalian berpengaruh dan memiliki hubungan negatif. Kesimpulannya adalah sistem yang diterapkan oleh koperasi ini belum mampu mengatasi masalah kemacetan kredit (NPF) yang nilainya cenderung naik dari tahun ke tahun.
Keyword: kemacetan kredit, pembiayaan syariah, usaha mikro, kelompok nasabah wanita

Judul: Analisis Faktor-faktor yang Memengaruhi Jangkauan Pembiayaan Mikro: Studi Kasus BTPN Syariah
Abstrak: Microenterprises have the big role in developing Indonesia’s economy. One of the issues in developing microenterprises is the access of financing. The study analyses factors affecting outreach, breadth of outreach and depth of outreach in BTPN Syariah. The objectives of this research are to identify the trend of outreach in 2012-2014, and to identify factors affecting outreach. The study employed Ordinary Least Squares and there are five variables used in this research. The variables are CAR, NPF, FDR, BOPO, and WISMA (branchless banking unit). Our fingdings show that breadth of outreach is significantly and negatively affected by CAR, meanwhile breadth of outreach is significantly and positively affected by NPF, FDR, BOPO, and WISMA. Depth of outreach is significantly and positively affected by CAR and WISMA, meanwhile depth of outreach is not significantly affected by NPF, FDR, and BOPO.
Keyword: Bogor Agricultural University, OLS, Islamic microfinance, depth of outreach, Breadth of outreach

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell