Judul: The Effect of  Debt Financing on Business Turnover (Case Study : KSPPS BMT Berkah Mandiri Sejahtera Bogor Regency)
Abstrak: Koperasi Simpan Pinjam Pembiayaan Syariah (KSPPS) BMT Berkah Mandiri Sejahtera merupakan salah satu lembaga keuangan non bank yang memberikan pembiayaan debt financing kepada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) yang umumnya mengalami masalah permodalan dalam mengembangkan usahanya. Tujuan penelitian ini menganalisis pengaruh pembiayaan debt financing khususnya pembiayaan murabahah dan qardh terhadap omzet usaha dan menganalisis faktor-faktor yang memengaruhi omzet usaha setelah mendapatkan debt financing. Metode yang digunakan dalam penelitian ini adalah paired sample t-test (uji t berpasangan) dan Ordinary Least Square (OLS). Hasil uji t berpasangan menunjukkan bahwa omzet UMKM mengalami perubahan yang signifikan yaitu terjadinya peningkatan setelah mendapatkan pembiayaan. Hasil analisis data menunjukkan bahwa tingkat pendidikan, tenaga kerja, lama usaha , jumlah pembiayaan, dummy jenis kelamin dan dummy skema pembiayaan berpengaruh signifikan terhadap omzet usaha disamping variabel lain seperti jumlah tanggungan keluarga, jangka waktu pembiayaan dan jenis usaha.
Keyword: BMT, Debt financing, Micro Small and Medium Enterprises (MSMEs), OLS, Paired Sample T-test

Judul: aFaktor-faktor yang memengaruhi realisasi pembiayaan mikro syariah dan dampaknya terhadap omzet usaha nasabah (Studi kasus KJKS BMT UGT Sidogiri cabang Koja Jakarta)
Abstrak: Micro-business has a role of the national economy development. However, micro scale entrepreneurs face problems of limited capital. This study to analyze the factors affecting the amount of the financing provided BMT and their impact on bussiness turnover. This research was conducted in March-April at KJKS BMT UGT Sidogiri branch Koja Jakarta. This research used a purposive sampling technique with a total of 30 respondents. OLS analysis results proved that business asset, frequency financing, installment period, and dummy business have significantly effect on the realization of financing. Meanwhile, the factors affecting the customer’s turnover are business asset, amount of financing, business profit after financing, time duration of educational, time duration of business, and dummy business.
Keyword: OLS, Micro Enterprises, Islamic Microfinance Institutions, BMT, Bogor Agricultural University (IPB)

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.
Keyword: