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: Factors affecting financing of islamic banking in  Indonesia in 2010-2013
Abstrak: Perkembangan pembiayaan perbankan syariah di Indonesia semakin meningkat. Namun, besaran pembiayaan hanya 3-5% jika dibandingkan dengan kredit bank umum konvensional. Tujuan penelitian ini adalah menganalisis faktorfaktor yang memengaruhi besaran pembiayaan yang disalurkan oleh perbankan syariah di Indonesia. Penelitian ini menggunakan metode Vector Error Correction Model (VECM) untuk melihat pengaruh jangka panjang dan respon terhadap guncangan (shock) yang terjadi pada variabel yang diteliti. Hasil penelitian menunjukkan bahwa dalam jangka panjang, tingkat bagi hasil, DPK, dan FDR memberikan pengaruh positif dan signifikan terhadap pembiayaan, sedangkan NPF memberikan pengaruh yang signifikan negatif. ROA dan BOPO tidak berpengaruh signifikan terhadap pembiayaan. Guncangan yang terjadi pada pembiayaan, NPF, dan ROA direspon positif oleh pembiayaan dan akan stabil dalam jangka panjang. Sedangkan guncangan yang terjadi pada tingkat bagi hasil, DPK, FDR, dan BOPO direspon negatif oleh pembiayaan dan akan stabil dalam jangka panjang., Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Keyword: DPK, Pembiayaan, Rasio Keuangan, Tingkat Bagi Hasil, VECM

Judul: Penyusunan Overlap Graph menggunakan Suffix Tree pada DNA Sequence
Abstrak: The DNA sequence assembly is very important in genome analysis. This step aims to reconstruct contigous DNA fragment (contigs) from short fragment by concatenating fragments based on the overlap region among them. This method employs overlap graph for solving the problems. In this graph, nodes represent fragments and edges represent overlap. This research developed a software for constructing overlap graph using suffix tree. The evaluation was conducted by measuring the number of nodes, number of edges, and the execution time in many values of minimum overlap. The minimum overlap is defined as the minimum length of substring which is considered as the overlap region between two fragments. The evaluation results showed that the number of nodes, the number of edges, and the execution time were increased with the decreasing of the minimum overlap value.
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