Judul: Analisis Pengaruh Variabel Makroekonomi Terhadap Jumlah Pembiayaan yang Disalurkan Perusahaan Multifinance Konvensional dan Syariah di Indonesia
Abstrak: Perusahaan Pembiayaan (Multifinance) adalah badan usaha bukan bank yang terbagi menjadi perusahaan konvensional dan syariah, didirikan khusus untuk melakukan lebih dari satu kegiatan pembiayaan. Namun, perusahaan multifinance syariah cenderung masih tertinggal dari perusahaan multifinance konvensional. Penelitian ini bertujuan untuk menganalisis pengaruh variabel makroekonomi terhadap jumlah pembiayaan yang disalurkan multifinance konvensional dan syariah di Indonesia periode 2016 sampai 2021 dengan metode regresi linear berganda. Hasil penelitian ini menunjukkan Inflasi, BI Rate, produk domestik bruto, dan nilai tukar rupiah (IDR/USD) serta dummy Covid-19 berpengaruh positif terhadap pembiyaaan multifinance konvensional. Sedangkan pada pembiayaan multifinance syariah inflasi berpengaruh positif, BI Rate, produk domestik bruto dan dummy Covid-19 berpengaruh negatif., Multifinance Company is a non-bank business entity consisting of conventional and Islamic companies that were specially established to carry out more than one financing activity. However, Islamic multifinance tends to lag behind conventional multifinance. This study aims to analyze the comparison of the influence of macroeconomic variables on athe mount of financing disbursed conventional and Islamic multifinance financing in Indonesia for the period 2016 to 2021 using multiple linear regression methods. The results of this study indicate that inflation, the BI Rate, GDP, the exchange rate, and dummy Covid-19 positively affect conventional multifinance financing. Meanwhile, in Islamic multifinance inflation has a positive effect, and the BI Rate, GDP, and dummy Covid-19 have a negative effect.
Keyword: Macroeconomics variables, Multifinance, Multiple linear regression

Judul: Factors affecting financing of islamic banking in  Indonesia in 2010-2013
Abstrak: Perkembangan pembiayaan perbankan syariah di Indonesia semakin meningkat. Namun, besaran pembiayaan hanya 3-5% jika dibandingkan dengan kredit bank umum konvensional. Tujuan penelitian ini adalah menganalisis faktorfaktor yang memengaruhi besaran pembiayaan yang disalurkan oleh perbankan syariah di Indonesia. Penelitian ini menggunakan metode Vector Error Correction Model (VECM) untuk melihat pengaruh jangka panjang dan respon terhadap guncangan (shock) yang terjadi pada variabel yang diteliti. Hasil penelitian menunjukkan bahwa dalam jangka panjang, tingkat bagi hasil, DPK, dan FDR memberikan pengaruh positif dan signifikan terhadap pembiayaan, sedangkan NPF memberikan pengaruh yang signifikan negatif. ROA dan BOPO tidak berpengaruh signifikan terhadap pembiayaan. Guncangan yang terjadi pada pembiayaan, NPF, dan ROA direspon positif oleh pembiayaan dan akan stabil dalam jangka panjang. Sedangkan guncangan yang terjadi pada tingkat bagi hasil, DPK, FDR, dan BOPO direspon negatif oleh pembiayaan dan akan stabil dalam jangka panjang., Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Keyword: DPK, Pembiayaan, Rasio Keuangan, Tingkat Bagi Hasil, VECM

Judul: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4