Judul: Faktor-Faktor Yang Memengaruhi Preferensi Generasi Milenial Terhadap Tabungan Pada Perbankan Syariah di Kota Padang
Abstrak: Perbankan syariah di Indonesia mengalami perkembangan dan pertumbuhan yang sangat baik. Generasi milenial merupakan salah satu kalangan yang berperan dalam perkembangan inklusi keuangan syariah di Indonesia. Penelitian ini bertujuan untuk mengidentifikasi persepsi generasi milenial serta menganalisis faktor-faktor yang memengaruhi preferensi generasi milenial Kota Padang dalam memilih tabungan syariah. Metode analisis yang digunakan adalah analisis deskriptif dan analisis regresi logistik. Hasil analisis deskriptif menunjukkan persepsi yang sangat baik dari generasi milenial Kota Padang terhadap tabungan syariah terutama pada aspek pelayanan. Hasil regresi logistik menunjukkan bahwa variabel jenis kelamin berpengaruh secara signifikan negatif sedangkan pendapatan, pengetahuan, promosi, pelayanan, dan religiusitas berpengaruh signifikan positif terhadap preferensi milenial Kota Padang dalam memilih tabungan syariah.
Keyword: Generasi Milenial, Preferensi, Regresi Logistik, Tabungan Syariah

Judul: Factors Influencing Generation Z Muslims in Bogor City in Choosing to Save in Islamic Banks
Abstrak: Perkembangan bank syariah di Indonesia makin baik setiap tahunnya. Jumlah DPK dan pembiayaan di bank syariah mencapai 52,02 juta nasabah, hanya 17,8% dari jumlah penduduk muslim di Indonesia yang merupakan nasabah bank syariah. Hal ini menggambarkan bahwa masyarakat muslim yang menabung di bank syariah masih tergolong kecil. Penelitian ini bertujuan mengidentifikasi dan menganalisis karakteristik serta faktor-faktor yang memengaruhi generasi Z muslim Kota Bogor dalam memilih menabung di bank syariah. Sampel pada penelitian ini sebanyak 120 responden. Metode pengumpulan data dilakukan dengan menyebar kuesioner secara online melalui google form. Pengolahan data menggunakan Microsoft Excel dan SPSS versi 26. Hasil penelitian ini menunjukkan bahwa variabel religiositas, pelayanan, dan reputasi berpengaruh positif dan signifikan terhadap keputusan menabung di bank syariah., The development of Islamic banks in Indonesia is getting better every year. The number of deposits and financing in sharia banks reached 52.02 million customers, only 17.8% of the total Muslim population in Indonesia are sharia bank customers. This illustrates that the Muslim community that saves in sharia banks is still relatively small. This research aims to identify and analyze the characteristics and factors that influence generation Z Muslims in Bogor City in choosing to save at sharia banks. The sample in this study was 120 respondents. The data collection method was carried out by distributing questionnaires online via Google Form. Data processing uses Microsoft Excel and SPSS version 26. The results of this study show that the variables religiosity, service and reputation have a positive and significant effect on the decision to save at a sharia bank
Keyword: regresi logistik, Bank Syariah, Generasi Z, Menabung

Judul: Heterologous Expression Of Endo-Β-Xylanase From Bacillus Pumilus Strain Bcrs-01 In Escherichia Coli.
Abstrak: Xylanases are glycoside hydrolase family 11 which depolymerise xylan in the plant cell wall, the most excessive form of hemicellulose. Endo-β-xylanases (EC 3.2.1.8) are most important to breakdown β-1,4-glicoside bond of xylan to produce disaccaride xyloolygosaccaride (XOs) and xylose (monomer). Bovine rumen fluids have potential to obtain endo-β-xylanase produced of bacteria. The objectives of this study were to obtain xylanase producing bacteria and to express xynA gene encoding endo-β-xylanase from bacterium in Escherichia coli. Twenty nine isolate bacteria have been succesfully isolated from bovine rumen fluid in agar medium containing birchwood xylan. Isolate BCRS-01 bacterium was previously screened for the high production of xylanase. Based on 16S rRNA gene sequence analysis, BCRS-01 showed high similarity (99%) to Bacillus pumilus (accession number NR043241). The crude xylanase had optimal activity at 55oC, pH 7.0. Furthermore, the crude xylanase exhibited broad pH stability from 4.0 to 10.0 and remained more than 60% and 40% of its activity after incubation at pH 4.0 until 10.0, respectively for 60 min. It also showed a stability at temperature 25-50oC since it retained 80% and 50% of its activity when incubated at 50oC or 30 and 60 min, respectively. The xylanase activity was strongly inhibited by Ca2+ and Cu2+ at concentration 10 mM, and as little as 1 mM for Mn2+. Therefore, this xylanase has potentially used as additive feeds in animal feed industry. The DNA sequence xynA gene encoded endo-β-xylanase was amplified and cloned into the expression vector pET-15by under the control of T7 promoter. The recombinant protein had succesfully expressed in Escherichia coli BL21 (DE3) pLysS. A protein recombinant of approximately, 26.7 kDa was observed on the SDS-PAGE analysis. Crude extract of recombinant endo-β-xylanase demonstrated activity of enzyme at 56 U mL-1 using birchwood xylan as a substrate at 55oC for 10 min.
Keyword: Bacillus pumilus, bovine rumen fluid, endo-β-xylanase, heterologous expression.