Judul: Mekanisme Penyaluran Pembiayaan UMKM dan Kinerja Keuangan di Baitulmaal Muamalat
Abstrak: The Common problem related to SME expansion is capital issue. Until now, SME is still consider as a unbankable or not suitable for financing aid by banking industry. However, amil zakat institution plays a pivotal role to distribute the capitas for SME, especially for SME with SME with sharia principles. The study aims to observe the scheme of financing distribution and return. And also the implementation which had been adapted by Baitulmall Muamalat for SME in Indonesia. The study use analysis descriptive method to observe the scheme of financing distribution and return. Beside that, this study use performance ratio analysis to evaluate fiscal, efisiency program and investation performance to evaluate Baitulmaal financial performance for social activities which is unprofit orientation. The phases had been done by BMM for distribute capital to SMEKomunitas Usaha Mikro Muamalat Berbasis Masjid (KUM3) program are socialization, surveying canditate, compulsory training for group and distribute the capital loan. Beside capital issue, the candidate also given a mentoring and monitoring for bussines problem. And also given a fostering religous realization for fostering religious, is still low participant, but for mentoring and monitoring activities had a fluctuation in each region. This is also happen in the abiliity to return the loan. In general, the financial performance of BMM is fair and transparant. The distribution of capital also increase every year. The trend of increament show the distribution of capital is welldone.
Keyword: Small-Medium Enterprise (SME), Financing, Baitulmaal Muamalat

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: Infeksi Virus Parainfluenza Pada Anjing
Abstrak: Virus parainfluenza anjing termasuk famili Paramyxoviridae, berbentuk pleomorf dengan ukuran bervariasi (bergaris tengah antara 100-500 nm), berpembungkus peka ether, berisi genom RNA dan secara serologis mempunyai kesamaan dengan virus SV-5 kera; dikenak sebagai salah satu kausa penting dari sindrom "kennel cough". Infeksinya dapat mengenai anjing semua umur yang belum pernah terinfeksi atau mendapatkan vaksinasi mengakibatkan gejala klinis ringan yang terbatas pada traktus respirasi atu infeksi yang secara klinis tidak memperlihatkan gejala nyata. Gejala klinis yang nampak setelah masa inkubasi (1-5 hari) terlewati berupa batuk yang tidak berat selama beberapa hari, berbagai tingkat tonsilitis dan pharyngitis dan kadang-kadang ditemukan kenaikan temperatur rektal antara 1-2 derajat C dari temperatur normal rat-rata. Anjing terinfeksi mengandung virus pada traktus respirasi bagian atas dan bawah serta limfonoduli sampai hari ke 9 setelah infeksi. Penyebaran virus antar anjing terjadi secara aerogen.
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