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: 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: 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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