Judul: Factors Affecting Household Behaviour in Debt To Moneylenders (Case Study: Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon)
Abstrak: Pekerjaan dengan pendapatan yang diperoleh tidak menentu setiap harinya, memungkinkan masyarakat melakukan transaksi pinjaman untuk memenuhi kebutuhan hidup sehari-hari. Rentenir sebagai lembaga keuangan informal yang menawarkan pinjaman dengan berbagai kemudahan yang diberikan sehingga masyarakat cenderung untuk melakukan transaksi pinjaman pada rentenir yang pada praktiknya tidak sesuai dengan syariat Islam. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi perilaku rumah tangga di Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon dalam berutang kepada rentenir. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif dan analisis regresi logistik dengan menggunakan data primer melalui wawancara dan kuesioner yang dilakukan pada rumah tangga di Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon serta data sekunder yang diperoleh dari pemerintah desa setempat dan sumber lain. Pengambilan sample menggunakan teknik probability sampling dan jumlah responden pada penelitian ini sebanyak 100 orang. Hasil dari penelitian ini menunjukkan bahwa faktor-faktor yang memengaruhi perilaku rumah tangga di Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon dalam berutang kepada rentenir, yaitu kebutuhan hidup memiliki pengaruh yang signifikan positif, literasi keuangan syariah memiliki pengaruh yang signifikan negatif, serta pendapatan memiliki pengaruh yang signifikan negatif., People with non-fixed income are those who are likely to apply for a loan in order to get their daily needs. Since the moneylenders are informal financial institution offering loan with such a lot of convenience, they become one of the favourites in the society in terms of giving loan, while they do not practice the sharia law. This research aims to analyze factors affecting households behaviour of Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon apply a loan at the moneylenders. The method used is descriptive analysis and logistic regression analysis by using 1) primary data from interviews and questionnaire distributed to the households of Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon; and 2) secondary data from the local government and other resources. Sampling method used is probability sampling and there are 100 respondents in total. This research found that factors affecting households behaviour of Desa Jagapura Kecamatan Gegesik Kabupaten Cirebon apply a loan at the moneylenders are the daily needs which affecting significantly positive, sharia financial literacy and income while both affecting significantly negative.
Keyword: descriptive analysis, logistic regression analysis, moneylenders, households

Judul: Faktor-Faktor yang Memengaruhi Pemilihan Pinjaman dengan Sistem Rente di Desa Studi Kasus: Desa Panulisan Timur Kecamatan Dayeuhluhur Kabupaten Cilacap (Periode Tahun 2013-2014)
Abstrak: Rente loan system is a loan scheme that is based on interest. This loan system is widely used by the Micro and Small Medium Enterprises (SME) notably in particular rural communities. The purpose of this study is to analyze the development process and system received rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap, and analyze the factors that affect the selection of loan seeking system. The method used in this study is a qualitative method with a case study approach. The data used is primary data obtained through observation and interviews to the villagers of the Panulisan Timur District of Dayeuhluhur Regency of Cilacap uses rente system. The study was conducted during the period December 2013 to April 2014. Number of key informants in this study were 5 people and the number of respondents 30 people. The results showed that the loan scheme growing rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap consists of the active and passive processes. The existence of internal factors such as the need for cash is urgent and external factors in the form of an easy loan terms, the availability of funds every day, disbursement fast and easy access makes the transaction rents to survive and be accepted by society.
Keyword: usurer., Islamic economics, financial systems, case studies

Judul: Sintesis Flavon dari Fenol dan Benzoil Klorida
Abstrak: Flavone is a class of flavonoid, commonly found in plants with wide bioactivity spectrum. A widely used flavone synthesis route is through acidcatalyzed oxidative cyclization of β-diketone. In this study, unsubstituted flavone had been synthesized via 5-step from phenol, with 22% yield and successfully increased the yield of previous study on Fries rearrangement of phenyl acetate and benzoylation of o-HAP steps. Phenol was acetylated resulting 93% phenyl acetate. AlCl3-catalyzed Fries rearrangement in 1.5 hour and at 120 °C converted phenyl acetate into o-hydroxyacetophenone (o-HAP) with 40% yield. AlCl3 as catalyst produced o-HAP with higher and reproducible yield compared with BF3·Et2O and ZnCl2. Benzoylation of o-HAP followed by Baker-Venkataraman rearrangement of the ester product using KOH in dried pyridine produced β-diketone 1-(2- hydroxyphenyl)-3-phenylpropane-1,3-dione. The yield of ester and β-diketone were 71% and 85%, respectively. Finally, oxidative cyclization of β-diketone with sulphuric acid as catalyst produced 99% of flavone. The flavone product had been characterized spectroscopically and its melting point as well.
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