Judul: Prediction of Financial Distress in Sharia Banking in Indonesia Before and During The Pandemic and Influencing Factors
Abstrak: Penurunan profitabilitas yang diukur oleh return on assets (ROA) menunjukkan kinerja keuangan bank umum syariah (BUS) menurun, sehingga memungkinkan terjadinya financial distress. Tujuan penelitian ini menganalisis hasil prediksi financial distress sebelum dan selama masa pandemi serta menganalisis pengaruh faktor internal dan eksternal terhadap financial distress BUS. Metode yang digunakan ialah model Grover, Zmijewski, Altman dan regresi logistik biner. Hasil menunjukkan bahwa Altman memprediksi enam BUS berada pada grey zone sebelum pandemi COVID-19, dan lima BUS berada pada grey zone selama pandemi COVID-19. Zmijewski memprediksi dua BUS berada pada distress zone sebelum pandemi COVID-19, dan lima BUS berada pada distress zone selama pandemi COVID-19. Grover memprediksi baik sebelum maupun selama pandemi COVID-19 seluruh BUS berada pada safe zone. Pada model 1 NOM dan CAR berpengaruh negatif signifikan, pada model 2 NOM, CAR dan PDB berpengaruh negatif signifikan, sedangkan pada model 3,4,5 NOM dan PDB berpengaruh negatif signifikan. Pada seluruh model, BOPO berpengaruh positif signifikan. Size dan inflasi tidak memengaruhi financial distress BUS., A decreasing in return on assets (ROA) shows the sharia commercial banks' (BUS) financial performance is decreasing, so it allows financial distress. This study aims to predicts financial distress before and during the pandemic and to analyze the influence of internal and external factors on BUS financial distress. The methods used are the Altman model, Zmijewski, Grover, and binary logistic. The results show that Altman predicts six BUS are in grey zone before pandemic and five BUS are in grey zone during pandemic. Zmijewski predicts two BUS are in distress zone before pandemic and five BUS are in distress zone during pandemic. Grover predicts all BUS will be in the safe zone. First model indicates that NOM and CAR have a significant negative effect; second model indicates that NOM, CAR, and PDB have a significant negative effect; third, fourth, fifth models indicates that NOM and PDB have a significant negative effect. All models indicate that BOPO has a significant positive effect. Size and inflation do not affect significantly financial distress.
Keyword: Binary Logistic, COVID-19, Financial Distress, Shariah Commercial Banks

Judul: Analysis of Factors Affecting Islamic Banking Financing during the COVID-19 Pandemic
Abstrak: Penyebaran COVID-19 menjadi salah satu ancaman terbesar bagi ekonomi global dan pasar keuangan di dunia. Penelitian ini dilakukan untuk mengetahui pengaruh faktor-faktor yang memengaruhi pembiayaan bagi hasil selama pandemi COVID-19 terhadap perbankan syariah di Indonesia. Penelitian ini menggunakan sampel 13 Bank Umum Syariah dan 20 Unit Usaha Syariah serta periode waktu kuartal I-IV 2020. Alat analisis yang digunakan dalam penelitian ini adalah regresi data panel dengan pendekatan Random Effect Model (REM). Hasil penelitian menunjukkan bahwa DPK, NPF, FDR, ROA, PDB, inflasi dan jumlah uang beredar secara simultan berpengaruh terhadap pembiayaan bagi hasil. Untuk hasil estimasi secara parsial, variabel DPK, FDR, dan ROA berpengaruh signifikan dan positif terhadap pembiayaan bagi hasil. Sedangkan variabel NPF, PDB, inflasi, dan jumlah uang beredar tidak berpengaruh signifikan terhadap pembiayaan bagi hasil., The spread of COVID-19 is becoming one of the biggest threats to the global economy and financial markets in the world. This study is conducted to determine the effect of the factors that influence profit-sharing financing during the COVID-19 pandemic on Islamic banking in Indonesia. This study uses a sample of 13 Islamic Commercial Banks and 20 Sharia Business Units and the time period is quarter I-IV 2020. The analytical tool used in this study is panel data regression with the Random Effect Model (REM) approach. The results indicate that DPK, NPF, FDR, ROA, GDP, inflation and the money supply simultaneously has an effect on profit sharing financing. For the partial estimation results, the variables of DPK, FDR, and ROA have a significant and positive effect on profit sharing financing. While the variables of NPF, GDP, inflation, and the money supply have no significant effect on profit sharing financing.
Keyword: COVID-19, financial performance, Islamic banking financing, macroeconomics, panel data

Judul: Karakteritsik kimia dan organoleptik tablet effervescent putih telur bersitarasa lemon dengan konsentrasi effervescent mix yang berbeda
Abstrak: Egg is an animal origin food product which has high nutritional value especially protein. Cholesterol content of eggs is only found in egg yolk, on the other hand albumen does not countain cholesterol at all but high content of protein, so it can be used as a free cholesterol-protein sources. The application of albumen as egg instant drink effervescent tablet can be an alternative of protein source for people who need free-cholesterol diet. It can also become an egg product diversification.
Keyword: