Judul: Modeling Return on Assets (ROA) on Islamic Banks using Panel Data Regression
Abstrak: Banking is a business entity that collects funds from the public to channel credit or other forms that aim to improve the standard of living of many people. Several indicators measure how well a bank is performing, such as ROA, CAR, FDR, NPF, BOPO, and DPK. Banks and OJK need to know the factors that affect ROA. This study aims to analyze the effect of CAR, FDR, NPF, BOPO, TPF, and external factors and to model them on ROA in Islamic banks. Several options are available, namely pooled regression, fixed effects WG estimator model, and error components model. Chow test and Hausman test will be used to select the best model. The data is taken from the annual reports of each bank from 2014-2020. The best model chosen after testing using the Chow test and Hausman test is the fixed effect model. All assumptions in the model are met except for the normality assumption, which is reasonable in the panel data according to some sources. The model has a coefficient of determination of 90%. Variables that have a significant effect are Operational Costs on Operational Revenues (BOPO) and Gross Domestic Product of Indonesia., Perbankan adalah badan usaha yang menghimpun dana dari masyarakat untuk digunakan menyalurkan kredit atau bentuk lain yang bertujuan untuk meningkatkan taraf hidup orang banyak. Ada beberapa indikator untuk mengukur seberapa baik kinerja bank seperti ROA, CAR, FDR, NPF, BOPO, dan DPK. Bank dan OJK perlu mengetahui faktor-faktor yang mempengaruhi ROA. Penelitian ini bertujuan untuk menganalisis pengaruh CAR, FDR, NPF, BOPO, DPK, dan faktor eksternal serta memodelkannya terhadap ROA pada bank syariah. Beberapa pilihan yang tersedia untuk digunakan yaitu pooled regression, fixed effect WG estimator model, and error components model. Chow test dan Hausman test akan digunakan untuk memilih model terbaik. Data diambil dari laporan tahunan masing-masing bank dari tahun 2014-2020. Model terbaik yang terpilih setelah melakukan pengujian menggunakan Chow test dan Hausman test yaitu fixed effect model. Seluruh asumsi pada model terpenuhi kecuali normalitas yang menurut beberapa sumber wajar terjadi pada data panel. Model memiliki koefisien determinasi sebesar 90%. Peubah yang memiliki pengaruh signifikan adalah Beban Operasional terhadap Pendapatan Operasional (BOPO) dan Produk Domestik Bruto negara Indonesia.
Keyword: error components model, fixed effect model, panel data, regression, ROA

Judul: Influence of Internal and External Factors on Islamic Rural Banks’ Profitability During the Covid-19 Pandemic
Abstrak: Nilai Return on Asset (ROA) Bank Pembiayaan Rakyat Syariah (BPRS) terus menurun selama pandemi Covid-19, yaitu pada tahun 2020 sampai 2021. Bank Umum Syariah dan Unit Usaha Syariah juga mengalami penurunan nilai ROA di tahun 2020 tetapi berhasil meningkatkannya di tahun 2021. Tujuan penelitian ini adalah mengidentifikasi perkembangan rasio keuangan BPRS dan kondisi makroekonomi Indonesia, serta menganalisis faktor internal dan eksternal yang memengaruhi profitabilitas BPRS di Indonesia periode kuartal II tahun 2020 hingga kuartal I tahun 2022. Sampel dalam penelitian ini terdiri atas 134 BPRS. Penelitian ini menggunakan regresi data panel dengan ROA sebagai variabel dependen. Hasil regresi data panel menunjukkan bahwa secara parsial FDR berpengaruh positif terhadap ROA, sedangkan NPF dan BOPO berpengaruh negatif terhadap ROA. Sementara itu, CAR, PDB, dan IHK tidak berpengaruh terhadap ROA., Return on Asset (ROA) value of Islamic Rural Banks keeps decreasing during the Covid-19 pandemic, specifically during 2020 to 2021. Islamic Commercial Banks and Sharia Business Units also experienced a decrease in their ROA value in 2020, but managed to increase it in 2021. This study aims to identify the development of Islamic Rural Banks’ financial ratios and Indonesia’s macroeconomic conditions and also to analyze the effect of internal and external factors on Islamic Rural Banks’ profitability in the second quarter of 2020 to the first quarter of 2022. The sample used consisted of 134 Islamic Rural Banks. This study used panel data regression with ROA as the dependent variable. Panel data regression result shows that partially, FDR has a positive impact on ROA, whereas NPF and OER have a negative impact on ROA. On the other hand, CAR, GDP, and CPI have no impact on ROA.
Keyword: BPRS, covid-19, data panel, makroekonomi, rasio keuangan

Judul: Sintesis dan Pencirian Kompleks Fe(III)-Kuersetin
Abstrak: Quercetin belongs to flavonols which is able to chelate metal ions. Quercetin may chelate metal ions at 3’,4’-catechol, 3- or 5-hydroxycromone sites. In this study, quercetin was complexed with Fe(III). The complex with Fe(III) ions from FeCl3·6H2O was more stable than the complex derived from Fe(NO3)3·9H2O. The quercetin was yellow in color and showed maximum wavelengths (λ􀭫􀭟􀭶) at 250 and 370 nm. The Fe(III)-quercetin complex from Fe(NO3)3·9H2O was yellowish green with 􀟣􀭫􀭟􀭶 at 280 and 420 nm, whereas that from FeCl3·6H2O was dark green with 􀟣􀭫􀭟􀭶 at 280 and 430 nm. The 􀟣􀭫􀭟􀭶 shift indicated that the complex was formed at 3-hydroxychromone site. The Fe(III)- quercetin complex was formed with 1:1 metal-ligand mole ratio based on atomic absorption spectrophotometry analysis and the X-ray diffractogram showed that the crystallinity of the complex was 37%.
Keyword: