Judul: Penggunaan Mikroorganisme Lokal dari Berbagai Formula terhadap Kualitas Biourin Kambing Terfortifikasi
Abstrak: Biourin yang banyak dikenal dengan nama pupuk organik cair merupakan salah satu alternatif dalam pengolahan limbah terutama urin ternak. Salah satu manfaat biourin adalah untuk menjaga kesuburan tanah agar produksi yang dihasilkan oleh petani meningkat. Tujuan penelitian ini adalah untuk menguji kualitas mikroorganisme lokal (MOL) dan biourin kambing yang telah dibuat dengan formula berbeda, serta menguji biourin yang terbaik pada tanaman kangkung. MOL dibuat dengan empat bahan baku utama yaitu isi rumen sapi, keong mas, rebung bambu, dan bonggol pisang. Pembuatan MOL dilakukan selama 14 hari dengan sistem aerobik. Sebanyak 10% dari MOL yang telah dibuat, ditambahkan kedalam urin kambing untuk pembuatan biourin dengan sistem yang sama yaitu aerobik. Biourin terbaik akan diujikan pada tanaman kangkung. Dari pengamatan yang telah dilakukan diperoleh hasil bahwa komposisi bahan baku dari formula yang ada, mempengaruhi kualitas MOL yang dihasilkan. Kualitas tersebut mempengaruhi hasil akhir dari biourin yang dibuat. Biourin terbaik yang dipilih memiliki kandungan N dan P sebesar 2.23 % dan 0.11%. Jumlah biourin yang diaplikasikan pada tanaman kangkung sebesar 0.4 ml/ lubang tanam. Dengan jumlah tersebut diperoleh hasil bahwa tanaman kangkung dengan perlakuan biourin menghasilkan tingkat produksi yang lebih tinggi dari pada tanaman kontrol negatif akan tetapi perbedaannya tidak signifikan. Namun hasil tersebut masih lebih rendah dari kontrol positif dengan perlakuan pupuk kimia.
Keyword: Biourin, Mikroorganisme Lokal (MOL), Produksi Kangkung

Judul: Kajian Penggunaan Mikroorganisme Lokal dalam Pembuatan Biourn dan Aplikasinya
Abstrak: Biourine is one way of processing livestock waste to increase its economic value. Bio urine is beneficial for plants as organic fertilizer. Processing waste derived from the urine into bio urine is an effort to avoid environmental pollution, mainly due to garbage originating from livestock. This study aims to determine the use of animal and vegetable indigenous microorganisms (IMO) for the manufacture of bio urine as a liquid organic fertilizer in terms of microbiological elements, pH, and micronutrients, namely C, N, P, and K. Animal Biourine was made from rumen contents, molasses, and water, then fermented aerobically for 14 days. IMO from the vegetable is made from tomato pulp, brown sugar, rice washing water, coconut water, and fermented with the same aerobic system for 14 days. The research method used a randomized block design with five treatments and four replication, namely A-: Cow urine without addition, A+: Cow urine + EM4, B: Cow urine + 100% animal IMO, C: Cow urine + 100% vegetable IMO, D: Cow urine + 50% animal IMO + 50% vegetable IMO. Parameters observed were total microbial, pH, micronutrient levels of C, P, N, and K, and micronutrients Fe and Cu. The results showed that the treatment had a significant effect on total microbes, pH, C, N, P, K, Fe, and Cu, with the results of the study that cow urine added with Animal and Vegetable IMO can be used as Bio-urine and can be used as liquid organic fertilizer and better treatment is the vegetable IMO. Keywords: Biourine, Indigenous microorganisms, Liquid organic fertilizer
Keyword: Cow urine, indigenous microorganism (IMO), biourine, kale plant

Judul: Socioeconomic and psychological variables influencing household debt
Abstrak: The overall objective of this study was to examine factors influencing total debt, total debt payment, and patterns of debt payments. The study examined the impacts of both psychological (credit attitudes and perception of future income) and socioe- conomic variables on total debt, total debt payment and patterns of debt payments. A conceptual model for this study was developed by incorporating the theory of borrower risk, the economic and psychological economic theory of borrowing, and the results of previous studies. This model identifies socioeconomic and psycholog- ical variables that influence total debt, total debt payment, and patterns of debt payments. Socioeconomic variables included in the model are gender, race, mari- tal status, employment status, household size, age, education, and household assets. Psychological variables are credit attitudes toward the use of credit, and perception of future income. This study used data from the 1989 Survey of Consumer Finances. The survey was sponsored by the Federal Reserve in cooperation with some other federal agencies. Data for the survey were collected by the Survey Research Center at the University of Michigan between August 1989 and March 1990. dst ...
Keyword: Gender