Judul: FACTORS AFFECTING INCOME AND BUSINESS PROFITS OF MICRO WAQF BANK CUSTOMERS
Abstrak: Pendirian Bank Wakaf Mikro (BWM) bertujuan untuk mengurangi tingkat kemiskinan dan ketimpangan pendapatan di Indonesia. Tujuan penelitian ini adalah: 1) menganalisis karakteristik usaha mikro yang mendapatkan pembiayaan hanya dengan BWM dengan yang mendapatkan pembiayaan dari tempat lain; 2) menganalisis perbedaan pendapatan dan keuntungan usaha mikro yang mendapatkan pembiayaan hanya dari BWM dengan yang mendapatkan pembiayaan dari tempat lain; 3) mengidentifikasi faktor-faktor yang memengaruhi pendapatan dan keuntungan usaha nasabah BWM. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif dengan analisis regresi linear berganda. Hasil dari penelitian ini menunjukkan bahwa; 1) terdapat perbedaan karakteristik usaha mikro yang mendapatkan pembiayaan dari BWM dan yang mendapatkan pembiayaan tambahan dari tempat lain; 2) usaha nasabah BWM yang mendapat tambahan pembiayaan dari pihak lain memiliki pendapatan dan keuntungan yang lebih tinggi dibanding dengan yang hanya mendapat pembiayaan dari BWM; 3) secara simultan, variabel usia, pendidikan, lama usaha, jenis usaha, modal usaha, pembiayaan dari pihak lain, dan keaktifan nasabah dalam pendampingan berpengaruh signifikan terhadap pendapatan dan keuntungan usaha nasabah BWM., Micro Waqf Bank (BWM) aims to reducing the level of poverty and income inequality in Indonesia. This research aims to; 1) analyze the characteristics of micro-enterprises that receive financing only from BWM and those who receive additional financing from other parties; 2) analyze differences in income and business profits of BWM customers who receive additional financing from other parties; 3) identify factors affecting income and business profits of BWM customers. The method used in this research is descriptive quantitative method with multiple linear regression analysis. The results of the study indicate that; 1) there are differences in the characteristics of micro-enterprises that receive financing from BWM and those receive additional financing from other parties; 2) BWM customer businesses that receive additional financing from other parties have higher income and profits compared to those that only receive financing from BWM; 3) Simultaneously, the variables of age, education, business age, kind of business, business capital, financing from other parties, and customer activity in mentoring have a significant effect on income and business profits of BWM customers.
Keyword: Financing, Micro Enterprises, Micro Waqf Bank, Profitability

Judul: Faktor – faktor yang Memengaruhi Pelaku Usaha Mikro dalam Mengajukan Pembiayaan di BAZNAS Microfinance Desa Bojong Rangkas Kecamatan Ciampea
Abstrak: Pembentukan BAZNAS Microfinance Desa (BMD) merupakan salah satu upaya untuk mengembangkan akses permodalan bagi pelaku usaha mikro berbasis syariah. Penelitian ini bertujuan untuk mengetahui faktor – faktor yang memengaruhi pelaku usaha mikro untuk mengajukan pembiayaan di BAZNAS Microfinance Desa Bojong Rangkas. Data diperoleh dari hasil menyebarkan kuesioner, observasi dan wawancara, dan data tersebut dianalisis menggunakan analisis diskriminan. Hasil analisis diskriminan menunjukkan bahwa variabel kualitas pelayanan, dan biaya berpengaruh signifikan terhadap adanya perbedaan pada keputusan pelaku usaha mikro untuk mengajukan pembiayaan di BAZNAS Microfinance Desa Bojong Rangkas Kecamatan Ciampea., The establishment of BAZNAS Microfinance is one of the efforts to develop access to capital for micro business based on shariah principle. This study aims to determine factors that influenced micro bussiness actors in financing applications to BAZNAS microfinance, Bojong Rangkas village. Data obtained from the results of distributing questionnaires, observations and interviews, and the data were analyzed using descriptive analysis and discriminant analysis. The results of this study indicate that the variables of service quality and cost have a significant effect of defference on the decisions of micro business in financing applications in BAZNAS Microfinance, Bojong Rangkas village Ciampea district.
Keyword: Analisis diskriminan, BAZNAS Microfinance, Usaha Mikro, BAZNAS Microfinance, discriminant analyze, financing, micro bussiness

Judul: Pembuatan Film Tipis Cu2ZnSnS4 sebagai Lapisan Penyerap Cahaya pada Sel Surya Menggunakan Metode Elektrodeposisi
Abstrak: Thin film of Cu2ZnSnS4 (CZTS) is an alternative semiconductor used as light absorber layer on solar cell. CZTS can replace silicon that commonly used as commercial semiconductor. The advantage of using CZTS as absorber layer is due to the abundance of its chemical composer on earth, and its high value of absorption coefficient. The absorber layer was made by using electrodeposition method on ITO glass substrates. The films were deposited at room temperature using potentiostatic mode with a potential of –1.05 V for 30, 45, and 60 minutes. After that, the films were annealed at two different temperatures, 180 ºC and 500 °C, for 45 minutes in N2/H2S atmosphere. Based on X-ray diffraction analysis, the polycrystalline thin film obtained fall into kesterite crystal phase. This type of crystal was obtained when the CZTS was annealed at 500 °C in H2S/N2 atmosphere. The value of optical band gap energy for the CZTS thin film was 2.2 eV with the film thickness about 1.228–6.366 μm. The sample of CZTS with electrodeposition time of 45 minutes and annealing temperature of 500 °C showed the best result and in conformity with absorber layers criteria for solar cells.
Keyword: semiconductor, ITO glass, CZTS thin film, electrodeposition