Judul: Analysis of the Influence of Internal and External Factors on Sharia Financing in Indonesia
Abstrak: Peran perbankan menjadi agen pembangunan kehidupan bernegara sebagai lembaga intermediasi. Bank berperan menjadi perantara keuangan; menghimpun dan menyalurkan dana. Fungsi intermediasi dilakukan untuk mendorong perekonomian dari segi penyaluran dana sebagai upaya untuk mensejahterakan rakyat. Upaya yang dilakukan tentu dihadapi dengan beberapa persoalan yang perlu diatasi agar aktivitasnya dapat berlanjut dan mengalami peningkatan. Penelitian bertujuan untuk menganalisis faktor-faktor bank syariah (internal/eksternal) yang berpengaruh terhadap keluasan jangkauan pembiayaan dan penyaluran pembiayaanya. Data penelitian menggunakan data sekunder yang diperoleh dari informasi laporan keuangan bank syariah terpublikasikan dengan jendela waktu 6 tahun sejak tahun 2014-2019. Penelitian ini dilaksanakan pada bulan Desember 2019 sampai dengan Januari 2021. Metode analisis penelitian menggunakan metode kuantitatif; metode data panel dengan software analisis data STATA 15.1. Hasil penelitian menunjukkan bahwa pertama; Surat Berharga sebagai cadangan likuiditas, investasi yang menguntungkan sebagai sumber pendapatan bank juga sebagai sumber dana untuk pembiayaan infrastruktur. Kedua; Dana Pihak Ketiga sebagai fungsi intermediasi menjadi sumber pendanaan dalam meningkatkan perannya dalam menyalurkan pembiayaan. Hasil lain menunjukkan bahwa financial turbulensi akibat inflasi tinggi, bank syariah mengharuskan tetap menjaga keberlanjutannya (financial management) sebagai fungsi inovasi pada struktur modal melalui Surat Berharga, sementara Dana Pihak Ketiga bank syariah dioptimalkan sebagai penyaluran pembiayaan sebagai fungsi jangkauannya., Banking has a role as one of the agents for the development of state life with a financial intermediary function, namely collecting and channeling funds. The function of an intermediary is carried out to encourage the economy in terms of channeling funds as an effort to prosper the people. The efforts made are of course with several problems that need to be resolved so that their activities can continue and experience improvement. The research data used is secondary data obtained from financial statement information published by Islamic banks with the research period carried out within 6 years from 2014 to 2019. This research was conducted from December 2019 to January 2021. The method of analysis of this research uses quantitative methods. namely panel data method with data analysis software used in this study, namely STATA 15.1 software. The results showed that first; Securities as liquidity reserves, profiTabel investment as a source of bank income as well as a source of funds for infrastructure financing. Second; Third Party Fund as an intermediation function becomes a source of funding in increasing its role in channeling financing. Other results show; financial turbulence due to high inflation, Islamic banks require maintaining sustainability (financial management) as a function of innovation in the capital structure through securities, while Islamic banks' third party funds are optimized as distribution of their sharia financing as a function of outreach.
Keyword: outreach sharia financing, securities, third-party fund, financial management

Judul: Factors affecting financing of islamic banking in  Indonesia in 2010-2013
Abstrak: Perkembangan pembiayaan perbankan syariah di Indonesia semakin meningkat. Namun, besaran pembiayaan hanya 3-5% jika dibandingkan dengan kredit bank umum konvensional. Tujuan penelitian ini adalah menganalisis faktorfaktor yang memengaruhi besaran pembiayaan yang disalurkan oleh perbankan syariah di Indonesia. Penelitian ini menggunakan metode Vector Error Correction Model (VECM) untuk melihat pengaruh jangka panjang dan respon terhadap guncangan (shock) yang terjadi pada variabel yang diteliti. Hasil penelitian menunjukkan bahwa dalam jangka panjang, tingkat bagi hasil, DPK, dan FDR memberikan pengaruh positif dan signifikan terhadap pembiayaan, sedangkan NPF memberikan pengaruh yang signifikan negatif. ROA dan BOPO tidak berpengaruh signifikan terhadap pembiayaan. Guncangan yang terjadi pada pembiayaan, NPF, dan ROA direspon positif oleh pembiayaan dan akan stabil dalam jangka panjang. Sedangkan guncangan yang terjadi pada tingkat bagi hasil, DPK, FDR, dan BOPO direspon negatif oleh pembiayaan dan akan stabil dalam jangka panjang., Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Keyword: DPK, Pembiayaan, Rasio Keuangan, Tingkat Bagi Hasil, VECM

Judul: Biology Of Columbia Lance Nematode (Hoplolaimus Columbus Sher) On Soybean Excised Root Culture
Abstrak: S. Supramana, S. A. Lewis,.J. D. Mueller, B. A. Fortnum, and R. E. Ballard. 2001. Biology of Columbia lance nematod. ~ (Hoplolaimus columbus Sher) on soybean excised root culture. Nematropica 31 :283-2~)O. Feeding, egg development and oviposition, embryology, and postembtyonic development or Hoplolaimus col'lmbuswere observed on soybean (cultivar Hutcheson) excised root culture in Gam borg's B5 medium (pH 5.7,1.3% agar). Petri plate sterile cultures were placed inverted on a heated microscope stage (30°C) and observations were conducted using a color video camera and a time lapse digital videoca:;sette recorder. Oocytes were obsetved in each gonad 38 hours after feeding commenced and all egg possessing a terminal stalk was laid 96 hours later. Eggs were deposited it, the one-celled stag~ and a total of 217 hours (9 days) was required for a"newly laid egg to develop into a hatching second-stage juvenile at 30°C. Postembryonic development consisted of threejuvenile stages and an adult female with prior feeding occurring before molts and oviposition. The nematode fed ectoparasiticallyon the subepidermal cells and endoparasitically in the cortex and outer vascular tissue and remained at the infection site for 2·9 days. Key words: Columbia lance nematode, embryology, excised root culture, feeding behavior, HOfilo{aimus columbus, life cycle, oviposition, postembryonic development, soybean.
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