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: Analisis Perbandingan Efisiensi Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) di Indonesia Sebelum dan Selama Pandemi COVID-19
Abstrak: Perbankan syariah di Indonesia terus mengalami perkembangan, termasuk pada Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS). Terjadi perubahan kinerja pada BUS dan UUS bersamaan dengan masuknya pandemi COVID-19 di Indonesia diperlukan adanya pengkajian ulang terhadap kinerja BUS dan UUS melalui efisiensi. Penelitian ini bertujuan menggambarkan, menganalisis dan membandingkan efisiensi BUS dan UUS di Indonesia sebelum dan selama pandemi COVID-19. Penelitian menggunakan data sekunder berupa panel data dari data cross section dan time series. Sampel penelitian oleh 8 BUS dan 5 UUS di Indonesia. Analisis deskriptif dan kuantitatif digunakan dengan pendekatan nonparametrik Data Envelopment Analysis (DEA). Nilai standar deviasi menunjukkan terdapat perbedaan besar pada perolehan DPK, pendapatan operasional dan biaya tenaga kerja diantara BUS dan UUS. Rata-rata skor efisiensi BUS dan UUS mengalami penurunan selama pandemi COVID-19. Terdapat 13 Decision Making Unit (DMU) memiliki skor efisiensi 1 dan hasil Uji independent sample t-test menunjukkan terdapat perbedaan signifikan rata-rata nilai efisiensi BUS dan UUS sebelum dan selama Pademi COVID-19. Kata Kunci: BUS, DEA , Efisiensi, Pandemi COVID-19, UUS., Sharia banking in Indonesia continues to develop, including in Sharia Commercial Banks (BUS) and Sharia Business Units (UUS). There has been change in the performance of BUS and UUS along with the entry of the pandemic COVID-19 in Indonesia, it is necessary to review the performance of BUS and UUS through efficiency. This study aims to describe, analyze and compare the efficiency of BUS and UUS in Indonesia before and during the pandemic COVID-19. This study uses secondary data in the form of panel data from cross section and time series data. The research sample by 8 BUS and 5 UUS in Indonesia. Descriptive and quantitative analysis was used with a nonparametric approach to Data Envelopment Analysis (DEA). The standard deviation value shows that there is a big difference in the acquisition of DPK, operating income and labor costs between BUS and UUS. The average efficiency scores of BUS and UUS have decreased during the pandemic COVID-19. There are 13 Decision Making Units (DMU) that have an efficiency score of 1 and the results of the independent sample t-test show that there are significant differences in the average efficiency values of BUS and UUS before and during the pandemic COVID-19. Keywords: BUS, DEA, Efficiency, Pandemic COVID-19, UUS.
Keyword: Sharia Commercial Bank (BUS), Sharia Bussiness Unit (UUS), Efficiency, Pandemic COVID-19, Data Envelopment Analysis (DEA)

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.
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