Judul: Analisis Faktor-Faktor Yang Memengaruhi Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) Di Provinsi Jawa Timur
Abstrak: Bank Pembiayaan Rakyat Syariah (BPRS) merupakan salah satu bentuk perbankan syariah yang lebih berfokus pada pembiayaan pada sektor menengah kebawah. Profitabilitas merupakan indikator dari kinerja BPRS yang digunakan untuk melakukan evaluasi kinerja BPRS. Penelitian ini bertujuan untuk menganalisis faktor-faktor apa saja yang memengaruhi profitabilitas BPRS di Jawa Timur. Data yang digunakan dalam penelitian ini adalah data kuartalan dari tahun 2020 hingga 2022 yang dianalisis dengan metode regresi linier berganda. Hasil analsis data menunjukkan bahwa Kualitas Aktiva Produktif (KAP) dan Non-Performing Financing berpengaruh positif (signifikan) terhadap profitabilitas BPRS, Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Cash Ratio berpengaruh negatif (signifikan) terhadap profitabilitas BPRS.
Keyword: BPRS, Profitabilitas, Jawa Timur

Judul: Faktor-Faktor Yang Memengaruhi Tingkat Profitabilitas BPRS di Sumatera Barat
Abstrak: Salah satu indikator kinerja keuangan adalah profitabilitas. Bank Pembiayaan Rakyat Syariah (BPRS) memiliki potensi besar di Sumatera Barat dalam menyalurkan pembiayaan karena memiliki penduduk mayoritas muslim serta jumlah UMKM terbanyak ketiga di Sumatera. Akan tetapi, nilai profitabilitas BPRS di Sumatera Barat berada di bawah standar BI. Penelitian ini bertujuan untuk menganalisis perkembangan kinerja BPRS serta faktor-faktor yang memengaruhi profitabilitas BPRS di Sumatera Barat pada periode 2020 hingga 2022. Sampel penelitian ini terdiri atas 7 BPRS dan dianalisis dengan regresi data panel. Hasil penelitian menunjukkan bahwa secara parsial, variabel cash ratio berpengaruh positif (signifikan) terhadap profitabilitas dan variabel BOPO berpengaruh negatif (signifikan) terhadap profitabilitas. Sementara itu, variabel FDR, NPF, IHK dan PDRB tidak berpengaruh terhadap profitabilitas., One of indicators to measure financial performance is profitability. Islamic Rural Banks has great potential in West Sumatera to provide financing because it has a Muslim majority population and being the third largest MSMEs in Sumatera. BPRS in West Sumatera has profitability below the Bank Indonesia (BI) standard. This study aims to analyze the development of BPRS performance and the factors those affect the profitability of BPRS in West Sumatera during the period 2020 to 2022. The research sample consists of 7 BPRS and used panel data regression to analyze. The result of study shows that partially the cash ratio variable has a positive effect (significant) on profitability and the BOPO variable has a negative (significant) effect on profitability. One the other hand, the variables FDR, NPF, IHK and PDRB have no effect on profitability.
Keyword: BPRS, panel data, profitability

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