Judul: Analisis Faktor-Faktor yang Memengaruhi Preferensi Nasabah terhadap Produk Rahn (Studi Kasus PT. BPRS Amanah Ummah).
Abstrak: Rahn merupakan salah satu pembiayaan bagi masyarakat untuk meminjam uang dengan menggunakan barang-barang pribadi sebagai jaminannya. Ketertarikan masyarakat terhadap rahn masih terbilang cukup kecil, padahal rahn hanya mengetahui jasa simpan pinjam atas harta benda yang dijadikan jaminan oleh nasabah. Jasa simpan pinjam tersebut dibayarkan setiap bulannya bersama dengan angsuran kreditnya dan tidak menggunakan sistem bunga, hanya menentukan nominal rupiah yang telah ditentukan oleh pihak penggadai. Dengan demikian, penelitian ini bertujuan untuk mengetahui faktor-faktor yang memengaruhi preferensi nasabah dalam memilih produk rahn. Sebanyak 120 responden yang diteliti, dengan proporsi 60 responden merupakan responden produk rahn dan 60 responden lainnya. Data yang terkumpul diolah menggunakan teknik regresi logistik. Hasil penelitian menunjukan bahwa, faktor pengetahuan, promosi, pelayanan, tingkat pendidikan, pekerjaan, pendapatan, pengeluaran dan jumlah tanggungan berpengaruh secara signifikan dalam menentukan keputusan nasabah dalam memilih produk rahn.
Keyword: BPRS, Rahn, Regresi Logistik

Judul: Analisis Sistem dan Faktor-faktor yang Memengaruhi Preferensi Nasabah terhadap Rahn di Pegadaian Syariah (Kasus PT. Pegadaian Syariah Cabang Cinere).
Abstrak: Pegadaian merupakan salah satu lembaga keuangan non-bank yang bisa mengatasi masalah kekurangan dana di masyarakat dan banyak diminati karena prosedurnya mudah dan prosesnya cepat. Pegadaian terbagi menjadi dua, pegadaian konvensional dan syariah. Produk gadai di pegadaian syariah (rahn) mendapatkan respon yang positif dan minat yang tinggi. Namun, jika dibandingkan dengan Kredit Cepat Aman (KCA) yang merupakan produk gadai di pegadaian konvensional, rahn masih jauh dibawah KCA. Oleh karena itu, tujuan utama penelitian ini adalah menganalisis sistem rahn, mengkaji penilaian nasabah terhadap rahn, dan menganalisis faktor-faktor yang memengaruhi preferensi nasabah dalam memilih rahn. Metode yang digunakan dalam penelitian ini adalah regresi logistik dan analisis deskriptif. Hasil penelitian menunjukkan bahwa, sistem gadai dalam pegadaian syariah sudah sesuai dengan syariah. Berdasarkan analisis skala likert menunjukkan bahwa aspek aksesibilitas dan promosi di pegadaian syariah cabang Cinere masih tergolong cukup. Kemudian berdasarkan analisis regresi logistik, variabel pendidikan, fasilitas, dan promosi berpengaruh signifikan terhadap keputusan nasabah dalam memilih rahn.
Keyword: Pegadaian Syariah, Preferensi, Rahn, Regresi Logistik, Sistem Rahn

Judul: Pengembangan Kultur sel dan Vaksin Inaktif untuk Pencegahan Infeksi Megalocytivirus pada Ikan Gurami (Osphronemus goramy).
Abstrak: Megalocytivirus of family Iridoviridae is a known pathogen that caused fatal systemic infection lead to massive death and significant economic losses of numerous fish species in marine, fresh water and ornamental fish industries. In Indonesia, since 2011 megalocytivirus had been found as main pathogen in some cases of giant gourami outbreak especially in West Java, Central Java and Bali. Rapid expansion and intensification in aquaculture has led to many cases of disease outbreaks. Mortality rates of fish due to viral infections is high and up to now there’s no effective treatment methods to overcome the problem. Prevention is a better choice than treatment although efforts to prevent and control diseases caused by viral infections are still difficult to do. The aim of this study was to develop a primary cell culture and an inactivated vaccine for megalocytivirus infection in giant gourami. The first stage of this study was conducted to identify and characterized megalocytivirus in cultured giant gourami. The virus was identified using universal and spesific primers for megalocytivirus and infectious spleen and kidney necrosis virus (ISKNV). Sequencing and BLAST analysis were used to develop phylogenetic tree. The result showed that phylogenetic analysis of major capsid protein (MCP) gene unveiled a new megalocytivirus strain, designated as giant gourami iridovirus (GGIV). GGIV formed cluster belonged to ISKNV and has 100% homology to ISKNV complete genome. Artificial infection by intraperitoneally injection with supernatant homogenate from spleen and kidney of naturally infected fish were showed 93% mortality in 12 days. Fish showed clinical sign of infection as lethargic, loss of appetite, pale or darken body color and haemorrhages. Internal organ on death fish showed swollen spleen and kidney and also pale liver. Quantitative PCR analysis on internal organs showed spleen had the highest viral DNA copy number followed by kidney, gill and liver. Histopathological analysis showed hemorrage in these organs and many abnormally hypertrophied cells which is typical histopathological characteristic of megalocytivirus infection. On the second stage of this study was to develop primary cell cultures from its spleen as target organ for propagating megalocytivirus in vitro. We developed primary cell from spleen by enzimatic dissociation. The result showed that primary cell (GPs cell) can grow well at 27 oC and 10% serum in L-15 medium was sufficient for cells growth. GPs cells were infected with giant gourami iridovirus (GGIV) showed enlargement and rounding cells. Virus propagated in GPs cells was highly virulent when injected to giant gourami in artificial infection. Intraperitoneal injection experiments of diluted virus supernatant showed 100% mortality within 7-11 dpi and 97% mortality in 21 days by cohabitation with abnormalities were observed in spleen and kidney. GPs cell was successfully subcultured for more than 30 passages and was found to be susceptible to GGIV as a pathogen of ISKNV infection in cultured-giant gourami. GGIV was propagated in GPs cells for megalocytivirus vaccine development for giant gourami. On the third stage of this study was to develop an effective vaccine and measure its efficacy using relative percent survival (RPS), serological parameters (antibody titers), and molecular (relative expression of gouramy immune genes). The
Keyword: inactivated-vaccine, megalocytivirus, primary cell culture, Osphronemus goramy