Judul: Pengaruh Knowledge, Service Quality, Trust, dan Perceived Value Terhadap Kepuasan Pelanggan Fintech Syariah.
Abstrak: Fintech yang umumnya dikenal dengan financial technology (fintech) merupakan teknologi baru di dunia bisnis dan menyediakan layanan yang sama yang diberikan oleh bank. Fintech yang telah ada di Indonesia mengubah lanskap dunia pada sektor keuangan global secara signifikan. Fintech syariah ialah gabungan inovasi antara keuangan dan teknologi pada proses pelayanan keuangan dan investasi dengan berlandaskan nilai-nilai ajaran Islam dengan prinsip Islam. Tujuan penelitian ini yaitu untuk mengetahui pengaruh knowledge, service quality, trust, dan perceived value terhadap peran fintech syariah berbasis P2P lending syariah, juga terhadap kepuasan pelanggan dan mengidentifikasi peran fintech syariah P2P lending syariah dalam implementasi kepuasan pelanggan. Data diolah menggunakan analisis Structural Equation Modeling dengan pendekatan Partial Least Square. Responden dalam penelitian ini adalah pelanggan fintech syariah PT Alami Sharia yang sudah berusia 21 tahun – 60 tahun ke atas dan telah menggunakan platform P2P lending. Kuesioner yang disebarkan secara online melalui link google form menggunakan skala likert. Hasil penelitian menunjukkan variabel yang mempengaruhi peran fintech syariah P2P lending hanya trust, sedangkan knowledge, service quality, perceived value tidak berpengaruh. Kepuasan pelanggan dipengaruhi positif secara signifikan oleh semua varibel knowledge, trust, service quality dan perceived value. Peran fintech syariah P2P lending dan kepuasan pelanggan tidak saling mempengaruhi disebabkan kualitas layanan yang diberikan belum sesuai yang diharapkan pelanggan.
Keyword: customer satisfaction, financial technology, knowledge, perceived value, service quality, trust

Judul: Analisis Pengaruh Financial Technology (fintech) terhadap Kinerja Keuangan Bank Pembiayaan Rakyat Syariah (BPRS)
Abstrak: Teknologi finansial (fintech) dikenal sebagai solusi atas jumlah masyarakat yang tidak terlayani bank yang dikenal sebagai penduduk unbanked dan kategori underbanked di industri keuangan, termasuk Bank Perkreditan Rakyat Syariah (BPRS). Namun, tren peningkatan pembiayaan yang diluncurkan BPRS setelah munculnya fintech tidak selalu memberikan peningkatan kinerja keuangan BPRS. Tujuan penelitian ini adalah untuk mengidentifikasi karakteristik perusahaan fintech dan Bank Perkreditan Rakyat Syariah (BPRS), dan enganalisis pengaruh industri fintech terhadap kinerja keuangan BPRS. Penelitian ini menggunakan metode Autoregressive Distributed Lag (ARDL). Hasil penelitian menunjukkan bahwa terdapat persamaan dan perbedaan karakteristik antara perusahaan fintech dengan juga Bank Perkreditan Rakyat Syariah (BPRS). Rasio kecukupan modal dan fintech aset berpengaruh signifikan terhadap kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS) dalam jangka pendek. Sementara dalam jangka panjang, ukuran fintech mempengaruhi kinerja keuangan Bank Perkreditan Rakyat Syariah (BPRS), Financial technology (fintech) is known as a solution to some people who are not served by banks, or known as unbankable population and the underbanked category in the financial industry, including Islamic Rural Banks(BPRS). However, the increasing trend of financing disbursed by BPRS after the emergence of fintech does not always provide an improvement in the financial performance of BPRS. The purpose of this study is to identify the characteristics of fintech companies and Islamic Rural Banks (BPRS), and analyze the effect of the fintech industry on the financial performance of Islamic Rural Banks. This study used the Autoregressive Distributed Lag (ARDL) as the method. The results showed that there are similarities and differences in the characteristics between fintech companies and also Islamic Rural Banks (BPRS). Capital adequacy ratio and the fintech asset significantly affect the financial performance of the Islamic Rural Bank (BPRS) in the short term. While in the long term, the fintech asset affects the financial performance of the Islamic Rural Bank (BPRS)
Keyword: ARDL, kinerja keuangan, Bank Pembiayaan Rakyat Syariah, fintech

Judul: Biology and ecology of the buffalo fly, haematobia exigua de meijere (diptera:muscidae)
Abstrak: The life history of the buffalo fly was observed at room temperature of 27°-29.5°C and at a relative humidity of 48-68 percent. The eggs hatched after 17-22 hours, with an average of 18 hours. First instar larvae measured 1.25 + 0.16 mm long and 0.27 + 0.037 mm wide. reach the second larval stage. It took 6-12 hours to the second instar larvae measured 2.676 +0.187 mm long and 0.353 +0.028 mm wide. The second instar took about 12-24 hours to reach the third larval stage. The third instar measured 6.833 + 0.189 mm long and 0.919 + 0.051 mm wide. It took about 2-3 days for the third instar to become pupae. Duration of the pupal stage was about 5-7 days before the adults emerged. Under laboratory condition, the buffalo fly completed its life cycle in 9.5 to 10.5 days, whereas under field condition it took 9-14 days with an average of 10.5 days. The growth ratio which was based on the measurements of the cephalo-pharyngeal skeleton of each instar was 1.797. The preoviposition period was 8-12 days and mating usually occurred on the 6th or 7th day. The longevity of the male was 29 days, whereas it was 32 days in the female. The range of egg production under laboratory condition was between 20-139 per female fly. The belly and hind legs of the carabao were the most preferred habitat either during cloudy and cool dry or shiny and warm day. When the weather was clear and the carabao was in the shade, the flies tended to be more distributed particularly on the shoulder, dewlap, back and horns. The carabaos had relatively fewer Musca sp. and Stomoxys calcitrans than cattle; never the less carabaos had a higher infestation of buffalo fly than cattle. Oviposition occured either during the day or night but the buffalo flies were more active during the night than in the day time. The effect of various lengths of exposure time of manure in relation to the oviposition was profound. observed, the maximum number of the buffalo flies was occurred when the dung was exposed for 30 minutes. With increasing time of exposure the number and variety of insects also increase. It was evident that Sepsidae and psychodidae were the most dominant insects emerging from the dung. The number of buffalo flies also increased with increasing
Keyword: