Judul: Analisis Perbandingan Kinerja Keuangan Bank Pembiayaan Rakyat Syariah (BPRS) Sebelum dan Selama Pandemi Covid-19
Abstrak: Wabah pandemi Covid-19 yang di Indonesia kasus positif pertamanya terjadi pada tanggal 12 Maret 2020 diperkirakan berdampak pada pertumbuhan kinerja keuangan BPRS. Data penelitian terdiri dari CAR, ROA, NPF, FDR, BOPO, dan ROE sebagai cerminan kinerja keuangan BPRS. Periode data penelitian terdiri dari periode sebelum pandemi Covid-19 (Januari 2018 sampai Februari 2020) dan periode selama pandemi Covid-19 (Maret 2020 sampai November 2021). Penelitian bertujuan untuk menganalisis tingkat rasio atau kinerja keuangan BPRS, menganalisis perbedaannya antara sebelum dan selama pandemi Covid-19, serta menganalisis pengaruh pandemi Covid-19 terhadap kinerja keuangan BPRS. Metode analisis data menggunakan analisis deskriptif, analisis Compare Means bertipe Independent-Samples T Test, dan analisis regresi linear berganda (Multiple Regression). Hasil penelitian menunjukkan tingkat rasio atau kinerja keuangan BPRS berkategori baik untuk CAR, BOPO, dan ROE, namun tidak baik untuk 3 variabel lainnya. Tidak terdapat perbedaan rasio atau kinerja keuangan BPRS antara sebelum dan selama pandemi Covid-19 untuk indikator FDR, namun terdapat perbedaan untuk 5 variabel lainnya. Terdapat pengaruh dari pandemi Covid-19 terhadap kinerja keuangan BPRS baik secara parsial maupun simultan bersama variabel bebas lainnya.
Keyword: Covid-19, BPRS financial performance, comparison, influence

Judul: Analysis of Indonesian Islamic Rural Banks Efficiency Before and During Covid-19 Pandemic: Two-Stage Approach
Abstrak: Bank Pembiayaan Rakyat Syariah (BPRS) sebagai lembaga keuangan syariah yang memberikan pembiayaan kepada UMKM memiliki andil yang cukup besar pada perekonomian Indonesia. Namun, pada saat pandemi Covid-19 pemerintah mengeluarkan insentif pembiayaan bagi UMKM, yang mengakibatkan berkurangnya potensi BPRS di Indonesia dalam menyalurkan pembiayaan. Penelitian ini bertujuan untuk menganalisis efisiensi BPRS di Indonesia secara agregat, sebelum dan selama pandemi Covid-19 periode 2018-2022. Jumlah sampel sebanyak 60 menggunakan metode two-stage approach, di mana pada tahap pertama dilakukan pengukuran efisiensi BPRS menggunakan metode DEA, kemudian tahap kedua dianalisis faktor apa saja yang memengaruhi efisiensi kinerja BPRS memakai metode regresi Tobit. Hasil dari penelitian ini menunjukkan rata-rata BPRS lebih efisien pada periode sebelum pandemi Covid-19. Faktor internal yang memengaruhi efisiensi adalah CAR, ROA, dan FDR secara signifikan positif serta BOPO secara signifikan negatif. Sedangkan faktor eksternal yang memengaruhi efisiensi adalah GDP secara signifikan negatif. Penelitian selanjutnya diharapkan menambah rentang waktu, serta menggunakan pembagian zona berdasarkan tier agar hasil yang didapatkan lebih akurat., Islamic Rural Bank (BPRS) as share financial institutions that provided financing to MSMEs have a sizeable contribution to the Indonesian economy. However, during the Covid-19 pandemic, the government issued financing incentives for MSMEs, which resulted reduction on the potential of BPRS in Indonesia on financing distribution. This study analyzes the efficiency of BPRS in Indonesia aggregately, before and during Covid-19 pandemic on 2018-2022 period. This study aims to analyze the efficiency of BPRS in Indonesia in aggregate, before and during the Covid-19 pandemic for the 2018-2022 period. With a total of 60 samples, a two-stage approach method was used, where in the first stage BPRS efficiency measurements were carried out using the DEA method, then the second stage was analyzed what factors affected the efficiency of BPRS performance using Tobit regression. The results of this study show that on average, BPRS was more efficient in the period before the Covid-19 pandemic. Internal factors that affected efficiency were CAR, ROA, and FDR significantly positive and BOPO significantly negative. While the external factor that affected efficiency was GDP significantly negative. Further research is expected to increase the time span, and use the division of zones by tier so that the results obtained are more accurate.
Keyword: Islamic rural bank, Covid-19, Effiency, MSMEs

Judul: Pelabelan Super Vertex Magic
Abstrak: Super vertex magic labeling is labeling on graph with is a set of edges mapped into and is a set of vertices mapped into . It has a vertex magic labeling in which and represents the size and order of the graph respectively. This manuscript proves that paths, cyclics, and disjoint union of cyclics have a super vertex magic labeling. There are four theorems to be discussed. The first theorem proves that path is super vertex magic if and only if is odd and . The second theorem proves that cyclic is super vertex magic if and only if is odd. The third theorem proves that bijection function from an edge set onto of graph can be extended to a super vertex magic labeling if and only if the set amount of edge label that incidents with a vertex in the graph, consists of sequential integers as many as vertices in the graph. The fourth theorem proves that disjoint union of the cyclics consists of cyclics with each cyclic has vertices is super vertex magic if and only if and are odd.
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