Judul: Pengaruh Inklusi Keuangan Syariah terhadap Perkembangan Modal Usaha Mikro di Kabupaten Sumedang
Abstrak: Inklusi keuangan termasuk keuangan syariah bertujuan untuk meniadakan segala bentuk hambatan yang bersifat harga maupun non harga terhadap akses masyarakat dalam memanfaatkan layanan jasa keuangan, sehingga dapat mengurangi kesenjangan di masyarakat. Hal ini sangat penting terutama untuk kelompok Usaha mikro kecil yang seringkali mengalami kendala dalam mengakses lembaga keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan syariah terhadap perkembangan modal usaha mikro di Kabupaten Sumedang. Penelitian ini menggunakan data primer dengan 100 responden pelaku usaha mikro yang pernah/menggunakan jasa dan layanan keuangan syariah. Metode yang digunakan adalah analisis deskriptif dan SEM-PLS. Hasil penelitian menunjukkan: 1) Rata-rata inklusi keuangan syariah responden adalah 59 persen, 2) Inklusi keuangan syariah berpengaruh terhadap perkembangan modal usaha mikro. Serta indikator-indikator penyusun variabel inklusi keuangan berpengaruh positif terhadap perkembangan modal., Financial inclusion, including Islamic finance, aims to eliminate all forms of financial inclusion barriers including price and non-price to public access in utilizing financial services, to reduce inequality in society. This is very important, especially for small and micro-enterprises who often experience issues in accessing financial institutions. This study aims to analyze the effect of Islamic financial inclusion on the capital growth of micro-enterprises in the Sumedang Regency. This study used primary data with 100 respondents from micro-enterprises who used sharia financial services. This study applied descriptive analysis and SEM-PLS. The results show: 1) The average Islamic financial inclusion of respondents was 59 percent, 2) Islamic financial inclusion had an effect on the development of microenterprise capital. The indicators that compose the financial inclusion variable had a positive effect on capital growth.
Keyword: capital development, islamic financial inclusion, micro-enterprises, SEM-PLS, Sumedang Regency

Judul: The Effect of Islamic Peer-to-Peer Lending Financing on the Performance and Welfare of Micro and Small Business Enterprises (Case Study of PT Ammana Fintek Syariah)
Abstrak: Keterbatasan modal merupakan masalah yang dihadapi oleh delapan puluh persen unit usaha mikro dan kecil (UMK) di Indonesia. Solusi pembiayaan syariah melalui peer-to-peer (P2P) lending syariah dapat menjadi alternatif modal usaha bagi UMK. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan peer-to-peer lending syariah terhadap kinerja dan kesejahteraan pelaku UMK. Hasil uji-t berpasangan menunjukkan bahwa terdapat perbedaan omzet, keuntungan, biaya usaha, dan jumlah tenaga kerja UMK antara sebelum dan sesudah mendapatkan pembiayaan. Analisis OLS menunjukkan bahwa jumlah pembiayaan, biaya usaha, tenaga kerja, dan lama usaha memengaruhi perubahan omzet UMK. Hasil analisis regresi logistik menunjukkan bahwa pendapatan rata-rata keluarga dan jumlah tabungan memengaruhi kesejahteraan pelaku UMK. Penelitian ini diharapkan menjadi referensi untuk memecahkan permasalahan permodalan bagi pelaku UMK dan memberikan informasi bagi pelaku industri teknologi finansial untuk memajukan industri teknologi finansial Indonesia., Limited capital is a problem faced by eighty percent of micro and small business enterprises (MSEs) in Indonesia. Islamic financing solutions through Islamic peer-to-peer (P2P) lending can be an alternative for business capital for MSEs. This study aims to analyze the effect of Islamic peer-to-peer lending financing on the performance and welfare of MSEs. The paired t-test results show that there are differences in turnover, profits, business costs and the number of labor between before and after receiving financing. OLS analysis shows that the amount of financing, business costs, labor, and length of business affect changes in MSE turnover. The results of the logistic regression analysis show that the average family income and the amount of savings affect the welfare of MSEs. This research is expected to be a reference for solving capital problems for MSEs and providing information for financial technology industry players to advance the Indonesian’s financial technology industry.
Keyword: Islamic financing, Islamic peer-to-peer (P2P) lending, performance, welfare, MSEs

Judul: Performa kecoa madagaskar (Gromphadorhina portentosa) pada tipe tempat sembunyi yang berbeda
Abstrak: Madagascar cockroaches come from Madagascar Island in the southest of Africa Beach. This cockroaches is a giant cockroaches in the world and as big as a giant beetle that called as "giant cockroaches". Madagascar cockroaches is a giant cockroaches and have a different character with another cockroaches, that is big size and types that it make it looks like beetle, fizz, doesn't bite, doesn't have wings and outdorless so that these cockroaches harmless for human and can be keep as pets that quite popular all over the world because of it's unique.
Keyword: