Judul: Program Pembiayaan Lembaga Keuangan Mikro Syariah (LKMS) dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro (Studi Kasus BMT Syariah Baitul Karim, Bekasi)
Abstrak: The role of micro-enterprises in employment are very large, namely 99.9% of the total labour in Indonesia. It shows that micro businesses have a great opportunity in economic development and improving the welfare. This is not in accordance with the improvement of social welfare because of huge of the poor is 10.96% of the total population. Limited capital on micro businesses become obstacle that is difficult to avoid. In this case, the financing provided by the BMT become important for micro enterprises in accessing capital. The purpose of this study is to analyze the effect of the financing program in improving income and welfare micro businesses. The method which used in this research is Ordinary Least Square (OLS) method and logistic method. Significant variables that positively affect the revenue are financing taken of respondents, income generating family members, education, ethics and morals variable. The variables are positively and significantly affect the welfare are duration of membership, share of food expenditure to the total expenditure, average income, and financing are taken respondents
Keyword: Bogor Agricultural University, Welfare, Micro Enterprise, Logistic Method, Financing

Judul: Analisis Tingkat Kesehatan BMT dan Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Usaha Mikro (Studi Kasus BMT Al-Azhar Maros)
Abstrak: Micro enterprises has become the center of attention for the government and the society due to its significant roles in economics development. Micro enterprises; that holds a strategic role, is facing a common problem which is limited source of capital to operate its business. BMT, as the alternative choice of MFI is present among the society is used as source of credit for MSMEs. This research is to analyze the financial performances of BMT and the impact of sharia financing on the development of the micro enterprises which uses the assesment rasio from PINBUK and OLS. The result of the analysis indicates, that the financial performace of BMT period 2012-2014 has good performance. The factor that determines the income of the micro enterprise is the the length of the bussiness activitiy, the amount of the credit, and the length of the education spent by the bussiness owner.
Keyword: Bogor Agricultural University, Ordinary Least Square (OLS), Micro enterprises, Financial Performance, BMT

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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