Judul: Analysis of Factors that Influence MSME's Decisions to Choose Sharia Financing as a Source of Financing
Abstrak: UMKM adalah pilar penting ekonomi Indonesia, berkontribusi signifikan pada PDB, penyerapan tenaga kerja, dan ekspor. Namun, sektor ini menghadapi kendala akses pembiayaan dari lembaga keuangan formal. Penelitian ini bertujuan untuk mengidentifikasi karakteristik pelaku UMKM di Kabupaten Sukabumi dan menganalisis faktor yang memengaruhi keputusan dalam memilih pembiayaan syariah. Metode analisis yang digunakan dalam penelitian ini adalah tabel kontingensi (cross tabulation) untuk menggambarkan karakteristik responden, serta analisis regresi logistik multinomial untuk mengidentifikasi faktor-faktor yang memengaruhi keputusan UMKM dalam memilih pembiayaan syariah. Hasil penelitian menunjukkan bahwa pendidikan, pengetahuan, promosi, kualitas pelayanan, dan aksesibilitas berpengaruh signifikan terhadap keputusan UMKM dalammemilih pembiayaan syariah. Sebaliknya, pendapatan tidak menunjukkan pengaruh signifikan., MSMEs are an important pillar of Indonesia's economy, contributing significantly to GDP, employment absorption, and exports. However, this sector faced obstacles in accessing financing from formal financial institutions. This study aimed to identify the characteristics of MSME actors in Sukabumi Regency and analyze the factors influencing their decisions in choosing Sharia financing. The analytical methods used in this research were contingency tables (cross tabulation) to describe the characteristics of the respondents, as well as Multinomial Logistic Regression Analysis to identify the factors influencing MSME decisions in selecting Sharia financing. The results showed that the variables of education, knowledge, promotion, quality of service, and accessibility had a significant impact on MSME decisions in choosing Sharia financing. Conversely, the income variable did not show a significant effect.
Keyword: Sukabumi regency, MSMEs, Sharia Financing, Multinomial Logistics Regression, Contingency Table

Judul: Faktor-faktor Yang  Memengaruhi Pedagang Pasar Raya Padang Memilih Pembiayaan Syariah
Abstrak: Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia sangat penting peranannya karena dapat berkontribusi pada perekonomian nasional. Keberadaan UMKM tidak lepas dari permasalahan, salah satunya yaitu permodalan. Untuk mengatasi masalah tersebut pemerintah mengeluarkan kebijakan agar lembaga keuangan memberikan pembiayaan kepada UMKM. Pembiayaan digunakan untuk mengembangkan dan meningkatkan pendapatan pedagang serta usaha kecil. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi pedagang pasar raya Kota Padang memilih pembiayaan syariah dengan jumlah sampel 100 responden. Metode yang digunakan dalam penelitian ini adalah metode analisis regresi logistik. Hasil penelitian menunjukkan faktor-faktor yang memengaruhi pedagang Pasar Raya Padang memilih pembiayaan syariah yaitu pengetahuan, kualitas pelayanan, dan pendapatan., Micro, Small, and Medium Enterpises (MSMEs) in Indonesia have a critical role because they can improve the economy. The existence of MSMEs cannot be separated from problems, one of them is capital. The government issued a policy to overcome this problem so financial institutions provides financing to MSMEs. Financing is used to develop and increase the income of traders and small businesses. This study aims to analyze the factors that influence market traders in Padang City to choose Islamic financing with a sample of 100 respondents. The method used in this research is the logistic regression analysis method. The results showed that knowledge, service quality, and income variables has influence the Pasar Raya Padang traders to choose Islamic financing.
Keyword: Islamic financing, Logistic regression, MSME, Traditional market traders

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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