Judul: Customer Decision Choose Islamic Mortgages (Case Study: BNI Syariah)
Abstrak: Peningkatan jumlah penduduk Indonesia yang diikuti dengan kenaikan jumlah rumah tangga tidak didukung dengan peningkatan ketersediaan rumah sebagai kebutuhan pokok setiap individu. Hal ini mengakibatkan adanya kesenjangan (backlog) tempat tinggal yang bedampak pada harga rumah yang kian meningkat. Peningkatan harga rumah mengakibatkan semakin sulitnya masyarakat untuk membeli rumah secara tunai, maka hadir Kredit Pemilikan Rumah (KPR) sebagai fasilitas masyarakat untuk membeli rumah secara angsuran. Walaupun mayoritas penduduk beragama Islam, market share KPR syariah tertinggal dengan KPR konvensional. BNI Syariah sebagai penyalur KPR syariah diharapkan menjadi pendorong pertumbuhan KPR syariah di Indonesia. Penelitian ini bertujuan mengidentifikasi karakteristik nasabah KPR BNI Syariah dengan analisis deskriptif dan menganalisis faktor-faktor yang memengaruhi keputusan nasabah dalam memilih produk KPR BNI Syariah dengan metode regresi logistik. Hasil penelitian menunjukkan bahwa faktor-faktor yang memengaruhi keputusan nasabah dalam memilih KPR BNI Syariah secara signifikan adalah religiusitas, ekonomi, pelayanan, promosi dan fasilitas.
Keyword: customer decisions, Islamic banking, Islamic mortgages, logistic regression

Judul: Determinants Analysis of Intention to Use Islamic Banks in The Perspective of Non-Customer: A Study from Indonesia.
Abstrak: Islamic banks have been established for three decades in Indonesia, but the disparity in the number of Muslim populations and customers of Islamic banks in Indonesia is still very high. Therefore, this study aims to find out why non-customers of Islamic banks do not choose Islamic banks. This study processed primary data obtained through questionnaires from 120 respondents spread across Indonesia. This study uses purposive sampling techniques in collecting respondents and Multiple Linear Regression in analyzing data. The results of this study show the correlation factors on the interest in using Islamic banking as follows: factors of awareness of products and services, advertising, and religiosity have a positive and significant effect. Then Islamic financial literacy and reputation of Islamic banks have no significant positive correlation. Meanwhile, network, number of ATMs and branch offices have no significant negative correlation, Bank Syariah telah tiga decade berdiri di Indonesia akan tetapi ketimpangan akan jumlah populasi Muslim dan nasabah Bank Syariah di Indonesia masih sangat tinggi. Oleh karena itu penelitian ini brtujuan untuk mengetahui penyebab non-nasabah Bank Syariah tidak memilih Bank Syariah. Penelitian ini mengeolah data primer yang didapatkan melalui kuesioner dari 120 responden yang terseber di Indonesia. Penelitian ini menggunakan teknik purposive sampling dalam mengumpulkan responden dan Multiple Linear Regression dalam menganalisa data. Hasil penelitian ini menunjukan korelasi factor terhadap minat menggunakan Bank Syariah sebagai berikut: faktor kesadaran akan produk dan layanan, iklan, dan religiusitas berpengaruh secara positif dan signifikan. Kemudian literasi keuangan syariah dan reputasi bank syariah berkorelasi positif tdak signifikan. Sementara jar
Keyword: Islamic Banking, Market Share, Awareness, Intention, Non-customer

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell