Judul: Determinan Proporsi Pembiayaan Modal Kerja Sektor UMKM oleh Bank Syariah di Indonesia
Abstrak: Proporsi pembiayaan modal kerja bank umum syariah (BUS) dan unit usaha syariah (UUS) untuk sektor UMKM cenderung menurun setiap tahunnya dan kondisi terburuk terjadi pada tahun 2020. Penelitian ini bertujuan untuk menganalisis faktor internal dan eksternal yang memengaruhi proporsi pembiayaan modal kerja oleh BUS dan UUS untuk sektor UMKM di Indonesia dengan menggunakan data bulanan dari Juni 2017 hingga November 2022. Berdasarkan metode vector error correction model (VECM) diperoleh hasil bahwa proporsi pembiayaan modal kerja merespon positif guncangan DPK, ROA, FDR, dan PDB, sedangkan guncangan NPF, BOPO, inflasi, dan BI Rate direspon negatif. ROA dari faktor internal dan PDB dari faktor eksternal memberikan kontribusi yang dominan dalam menjelaskan keragaman proporsi pembiayaan modal kerja pada BUS dan UUS untuk sektor UMKM di Indonesia., The proportion of working capital financing for Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) for the MSME sector tends to decrease every year and the worst conditions will occur in 2020. This study aims to analyze internal and external factors that influence the proportion of working capital financing by BUS and UUS for the MSME sector in Indonesia using monthly data from June 2017 to November 2022. Based on the Vector Error Correction Model (VECM) method, the results show that the proportion of working capital financing responds positively to DPK, ROA, FDR, and GDP shocks, while NPF, BOPO, inflation, and BI Rate shocks are responded negatively. ROA from internal factors and GDP from external factors make a dominant contribution in explaining the diversity of the proportion of working capital financing at BUS and UUS for the MSME sector in Indonesia.
Keyword: BUS, MSME, UUS, working capital financing, VECM

Judul: The Influence of Internal and External Factors on the Proportion of Working Capital Financing at Islamic Commercial Bank in Indonesia
Abstrak: Sejak tahun 2014, proporsi pembiayaan modal kerja Bank Umum Syariah (BUS) cenderung menurun dan kondisi terburuk terjadi pada tahun 2020. Penelitian ini bertujuan untuk menganalisis faktor internal dan eksternal yang memengaruhi proporsi pembiayaan modal kerja oleh BUS di Indonesia dengan menggunakan data bulanan dari Juli 2018 hingga Oktober 2021 dan menggunakan metode Vector Error Correction Model (VECM). Hasil penelitian menemukan bahwa berdasarkan estimasi VECM, seluruh faktor internal dan eksternal berpengaruh signifikan terhadap proporsi pembiayaan modal kerja. Proporsi pembiayaan modal kerja merespon guncangan inflasi, PDB, dan SBIS secara positif, sedangkan guncangan DPK dan NPF direspon secara negatif. Inflasi memberikan kontribusi yang dominan dalam menjelaskan keragaman proporsi pembiayaan modal kerja pada BUS di Indonesia., Since 2014, the proportion of working capital financing for Islamic Commercial Banks (BUS) has tended to decline and the worst condition occurred in 2020. This study aims to analyze internal and external factors that affect the proportion of working capital financing by BUS in Indonesia by using monthly data from July 2018 to October 2021 and using the Vector Error Correction Model (VECM) method. The results of the study found that based on the VECM estimation, all internal and external factors had a significant effect on the proportion of working capital financing. The proportion of working capital financing responded positively to inflation, GDP, and SBIS shocks, while TPF and NPF shocks responded negatively. Inflation makes a dominant contribution in explaining the diversity of the proportions of working capital financing for BUS in Indonesia.
Keyword: BUS, internal and external factors, VECM, working capital financing

Judul: Preparation of Nata de Pina Product and Its Aplication in Cobalt(II) Binding.
Abstrak: Pineapple’s peel waste fermentated with Acetobacter xylinum becomes a useful product. The product is called nata de pina. Chemically modified nata was estimated as more excellent adsorben in adsorbing heavy metals as compared with unmodified nata. Cobalt is transition metal which is needed in low concentration but it could be toxic in high concentration, for example it caused cancer. Modifications in this research on the nata used sulfuric acid, sodium hydroxide, and monochloroacetic acid (conversion to carboxymethyl cellulose). Chemically modified nata was characterized using Fourier transfom infrared (FTIR). The value of adsorption capacity from each chemically modified and unmodified nata toward cobalt(II) was NaOH modified > unmodified > sulfuric acid modified > monochloroacetic acid modified with maximum value of adsorption capacity were 520.89, 420.67, 95.67, and 47.39 μg/g adsorben, respectively. The value of adsoption efficiency from each chemically modified and unmodified nata toward cobalt(II) was NaOH modified > unmodified > sulfuric acid modified > monochloroacetic acid modified with maximum value of adsorption efficiency were 40.71, 23.99, 8.26, and 4.25%, respectively. Chemically modified nata could adsorb 19.24% cobalt more than the unmodified nata.
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