Judul: Analisis Pembiayaan Dan Kredit Sektor Konstruksi Di Indonesia: Studi Perbankan Syariah Dan Konvensional
Abstrak: Sektor konstruksi merupakan sektor penting dalam mendukung proyek pembangunan di Indonesia. Pengembangan sektor konstruksi memerlukan peran sektor perbankan untuk membantu akses permodalan melalui pemberian pembiayaan dan kredit. Tujuan penelitian ini adalah menganalisis faktor-faktor yang memengaruhi pembiayaan dan kredit sektor konstruksi pada perbankan syariah dan konvensional di Indonesia dengan menggunakan model Vector Autoregression / Vector Error Correction Model (VAR/VECM) dengan data bulanan periode 2006 hingga 2014. Selanjutnya penelitian ini juga menganalisis faktor-faktor yang memengaruhi pembiayaan dan kredit sektor konstruksi antar wilayah di Indonesia dengan menggunakan model panel data dengan melibatkan data 33 provinsi di Indonesia periode 2009 hingga 2013. Hasil penelitian menunjukkan bahwa faktor yang memengaruhi pembiayaan dan kredit sektor konstruksi di Indonesia yaitu Dana Pihak Ketiga, Indeks Harga Perdagangan Besar, bonus Sertifikat Bank Indonesia Syariah (suku bunga Sertifikat Bank Indonesia), persentase Non Performing Financing (Non Performing Loan), Indeks Harga Konsumen dan equivalent rate pembiayaan (suku bunga kredit). Selanjutnya pada analisis panel data menunjukkan bahwa pembiayaan dan kredit sektor konstruksi belum merata antar wilayah. Sektor konstruksi masih terpusat diwilayah Jawa, khususnya di DKI Jakarta. Faktor-faktor yang memengaruhinya yaitu penghimpunan DPK, persentase NPF/NPL, PDRB perkapita dan PDRB Sektor Konstruksi pada masing-masing wilayah. Untuk pulau Jawa, jumlah DPK, PDRB sektor konstruksi dan PDRB perkapita relatif lebih tinggi sedangkan nilai persentase NPF/NPL relatif lebih rendah dibandingkan wilayah lain.
Keyword: Panel data, VAR/VECM, Konstruksi, Kredit, Pembiayaan

Judul: Analisis Faktor-Faktor Penentu Pembiayaan Perbankan Syariah pada Sektor Konstruksi di Indonesia
Abstrak: The construction sector is an important sector in supporting development projects in Indonesia. The development of the construction sector needs the role of the banking sector to help access capital through credit or financing. This study aims to analyze the relationships among factors of banking performance, monetary instruments, macroeconomic condition and rate of return towards construction financing in Islamic banking. This study uses Vector Error Correction model with monthly data from 2006 until 2012. The results of this study, first, that ratio of construction financing is decreasing years to years. Second. the ratio of construction financing responds positively to the shock of Financing to Deposit Ratio (FDR), the interest rate of SBI (SBI), Industrial Production Index (IPI), inflation rate (INF), and equivalent rate financing (ERP). While shocks of Third Party Funds (DPK), lending rates (SBK), non performing financing (NPF), fee of SBIS (BSBIS), and the placement of funds in PUAS (PUAS) variables are responded negatively. The implications of this study that Islamic banking should be able to be more focused on construction financing as it will provide great benefits to the development of real sector and national income. In addition, Islamic banking should more concern on assesment criteria to choose borrowers in order to reduce the amount of non performing financing.
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Judul: Transformasi Genetik Tanaman Tembakau oleh Gen LFY Kakao (TcLFY) Menggunakan Agrobacterium tumefaciens
Abstrak: LFY is a protein that have important role in flowering. TcLFY gene have been isolated from cacao (Theobroma cacao L.). To examine its role, this gene that is under control of p35S CaMV promoter was introduced in the tobacco plant using Agrobacterium tumefaciens. Transformation efficiency of transgenic plants was 16 % with regeneration efficiency was 27.38%, and produce 4 buds each explant. PCR analyses toward 5 putative transgenic tobacco plants that were taken randomly showed that all of them were transgenic. They also flowered early. Expression analyse of TcLFY gene using PCR showed that transgenic plant expressed the TcLFY gene in the all of its parts. This result showed that transgenic tobacco plant contained TcLFY gene under control of p35S CaMV
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