Judul: Analisis Pengaruh Variabel Makroekonomi Terhadap Jumlah Pembiayaan yang Disalurkan Perusahaan Multifinance Konvensional dan Syariah di Indonesia
Abstrak: Perusahaan Pembiayaan (Multifinance) adalah badan usaha bukan bank yang terbagi menjadi perusahaan konvensional dan syariah, didirikan khusus untuk melakukan lebih dari satu kegiatan pembiayaan. Namun, perusahaan multifinance syariah cenderung masih tertinggal dari perusahaan multifinance konvensional. Penelitian ini bertujuan untuk menganalisis pengaruh variabel makroekonomi terhadap jumlah pembiayaan yang disalurkan multifinance konvensional dan syariah di Indonesia periode 2016 sampai 2021 dengan metode regresi linear berganda. Hasil penelitian ini menunjukkan Inflasi, BI Rate, produk domestik bruto, dan nilai tukar rupiah (IDR/USD) serta dummy Covid-19 berpengaruh positif terhadap pembiyaaan multifinance konvensional. Sedangkan pada pembiayaan multifinance syariah inflasi berpengaruh positif, BI Rate, produk domestik bruto dan dummy Covid-19 berpengaruh negatif., Multifinance Company is a non-bank business entity consisting of conventional and Islamic companies that were specially established to carry out more than one financing activity. However, Islamic multifinance tends to lag behind conventional multifinance. This study aims to analyze the comparison of the influence of macroeconomic variables on athe mount of financing disbursed conventional and Islamic multifinance financing in Indonesia for the period 2016 to 2021 using multiple linear regression methods. The results of this study indicate that inflation, the BI Rate, GDP, the exchange rate, and dummy Covid-19 positively affect conventional multifinance financing. Meanwhile, in Islamic multifinance inflation has a positive effect, and the BI Rate, GDP, and dummy Covid-19 have a negative effect.
Keyword: Macroeconomics variables, Multifinance, Multiple linear regression

Judul: Analysis of Factors Affecting Islamic Banking Financing during the COVID-19 Pandemic
Abstrak: Penyebaran COVID-19 menjadi salah satu ancaman terbesar bagi ekonomi global dan pasar keuangan di dunia. Penelitian ini dilakukan untuk mengetahui pengaruh faktor-faktor yang memengaruhi pembiayaan bagi hasil selama pandemi COVID-19 terhadap perbankan syariah di Indonesia. Penelitian ini menggunakan sampel 13 Bank Umum Syariah dan 20 Unit Usaha Syariah serta periode waktu kuartal I-IV 2020. Alat analisis yang digunakan dalam penelitian ini adalah regresi data panel dengan pendekatan Random Effect Model (REM). Hasil penelitian menunjukkan bahwa DPK, NPF, FDR, ROA, PDB, inflasi dan jumlah uang beredar secara simultan berpengaruh terhadap pembiayaan bagi hasil. Untuk hasil estimasi secara parsial, variabel DPK, FDR, dan ROA berpengaruh signifikan dan positif terhadap pembiayaan bagi hasil. Sedangkan variabel NPF, PDB, inflasi, dan jumlah uang beredar tidak berpengaruh signifikan terhadap pembiayaan bagi hasil., The spread of COVID-19 is becoming one of the biggest threats to the global economy and financial markets in the world. This study is conducted to determine the effect of the factors that influence profit-sharing financing during the COVID-19 pandemic on Islamic banking in Indonesia. This study uses a sample of 13 Islamic Commercial Banks and 20 Sharia Business Units and the time period is quarter I-IV 2020. The analytical tool used in this study is panel data regression with the Random Effect Model (REM) approach. The results indicate that DPK, NPF, FDR, ROA, GDP, inflation and the money supply simultaneously has an effect on profit sharing financing. For the partial estimation results, the variables of DPK, FDR, and ROA have a significant and positive effect on profit sharing financing. While the variables of NPF, GDP, inflation, and the money supply have no significant effect on profit sharing financing.
Keyword: COVID-19, financial performance, Islamic banking financing, macroeconomics, panel data

Judul: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4