Judul: Analisis Faktor-Faktor yang Mempengaruhi Akses dan Pembatasan Kredit pada UMKM di Kabupaten Bogor
Abstrak: Micro, small and medium enterprises (MSMEs) have important role to absorb unemployment. However, most ofMSMEs have low access to formal financial institution. Semiformal financial institutions such as Baitul mal wat Tamwil (BMT) can support the needs of MSMEs capital. This study analyzed access MSMEs to conventional and Islamic financial institution and factors that influence credit rationing from financial institution. This research used logistic regression model to determine factors influencing MSMEs acces to BMT and their probability of being credit rationed by the institution. Access to Islamic financial institutions (BMT) are influenced by education and type of business (manufacturing and services). Factors influencing credit rationing are MSMEs’ maturity and frequency of loans
Keyword: 

Judul: Analysis the Influencing Factors of Micro Small Enterprises (MSE) in Bogor in Utilizing Rente Loan Service.
Abstrak: Usaha Mikro Kecil (UMK) memiliki peran yang sangat penting dalam perekonomian Indonesia, tetapi masih dihadapkan dengan beberapa kendala. Salah satu kendala besar yang dihadapi oleh pelaku UMKM adalah kendala permodalan dan keterbatasan akses untuk mendapatkan pembiayaan dari lembaga keuangan formal. Hal tersebut menyebabkan pelaku UMK bergantung pada lembaga keuangan informal yang menggunakan sistem rente (bunga). Sistem ini secara tegas dilarang dalam norma agama. Penelitian ini akan menganalisis faktorfaktor yang memengaruhi pelaku UMK Kota Bogor dalam pemanfaatan jasa pinjaman rente. Responden yang digunakan dalam penelitian ini terdiri dari 20 responden yang menggunakan pinjaman rente dan 30 responden yang tidak menggunakan pinjaman rente. Metode yang digunakan adalah metode regresi logistik dan analisis deskriptif. Faktor-faktor yang terbukti signifikan memengaruhi pelaku UMK dalam pemanfaatan jasa pinjaman rente adalah variabel pengaruh lingkungan, religiusitas, pendidikan dan pendapatan.
Keyword: Bogor Agricultural University, Institut Pertanian Bogor, IPB, Logistic Regresion, MSEs, Rente Loans service, Income, Religiosity, Non Probability Sampling

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