Judul: Analisis faktor-faktor yang mempengaruhi tingkat pendapatan perusahaan asuransi jiwa di Indonesia
Abstrak: Semakin merebaknya masalah globalisasi serta liberalisasi ekonomi di berbagai negara termasuk di Indonesia, maka mau tidak mau Indonesia akan berpengaruh dalam mengembangkan dunia usaha termasuk industri asuransi itu sendiri, agar dapat beroperasi dengan daya saing yang tinggi.
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Judul: Faktor-Faktor yang memengaruhi Profitabilitas Asuransi Jiwa Syariah di Indonesia
Abstrak: Profitabilitas merupakan salah satu indikator dalam mengukur kinerja suatu lembaga keuangan, salah satunya adalah asuransi jiwa syariah. Profitabilitas asuransi jiwa syariah dapat diukur dengan Return on Asset (ROA). Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal dan eksternal terhadap profitabilitas asuransi jiwa syariah di Indonesia. Obyek penelitian ini adalah tiga perusahaan full fledge dan 15 unit usaha asuransi jiwa syariah periode 2014 hingga 2018. Metode penelitian yang digunakan yaitu analisis regresi panel data. Hasil penelitian menunjukkan bahwa ukuran perusahaan, likuiditas, kontribusi, klaim, reasuransi dan Indeks Harga Konsumen berpengaruh signifikan terhadap profitabilitas asuransi jiwa syariah. Variabel yang berpengaruh positif yaitu ukuran perusahaan, pendapatan investasi, likuiditas dan kontribusi. Sedangkan variabel yang berpengaruh negatif yaitu leverage, klaim, reasuransi dan Indeks Harga Konsumen.
Keyword: asuransi jiwa syariah, data panel, profitabilitas

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