Judul: Analisis Faktor-Faktor Yang Memengaruhi Total Aset Bmt Studi Kasus Pada Bmt Anggota Inkopsyah
Abstrak: Baitul Maal wat Tamwil atau BMT merupakan salah satu lembaga keuangan mikro yang paling tepat dalam menyelesaikan berbagai masalah yang dihadapi UMKM. Penelitian ini dimaksudkan untuk menganalisis faktor-faktor yang memengaruhi total aset BMT sehingga dapat meningkatkan pertumbuhan BMT. Sebanyak 37 BMT anggota Inkopsyah diteliti dengan menggunakan kriteria yang telah ditentukan dengan menggunakan variabel non performing financing, return on assets, capital to assets, financing deposit ratio, dan dana pihak ketiga. Metode analisis yang digunakan adalah Regresi Linier Berganda. Berdasarkan hasil penelitian, disimpulkan bahwa faktor-faktor yang memengaruhi total aset BMT adalah non performing financing, return to assets, financing to deposit ratio, dan dana pihak ketiga.
Keyword: Aset, BMT, Regresi Linier Berganda

Judul: Efficiency Analysis of Baitul Maal wa Tamwil (BMT) Induk Koperasi Syariah Member’s during 2015-2019
Abstrak: Efisiensi merupakan salah satu parameter untuk mengukur kinerja lembaga keuangan termasuk BMT. BMT merupakan suatu lembaga mikro syariah yang memiliki orientasi bisnis dan juga orientasi sosial. BMT dapat dikatakan efisien jika dapat mengelola input dan outputnya dengan baik. Penelitian ini bertujuan menganalisis efisiensi BMT anggota Inkopsyah periode 2015-2019 serta faktorfaktor yang memengaruhinya. Penelitian ini menggunakan 10 BMT yang memiliki laporan keuangan lengkap dan mengirimkannya kepada Inkopsyah pada periode 2015-2019. Metode yang digunakan dalam penelitian ini adalah Data Envelopment Analysis (DEA) dan Tobit. Hasil estimasi menunjukkan bahwa sebagian besar BMT anggota Inkopsyah belum mencapai tingkat efisiensi sempurna dalam kinerjanya dan masih terdapat inefisiensi dalam penggunaan input dan output. Faktor-faktor yang memengaruhi efisiensi secara positif signifikan adalah skala usaha, sedangkan BOPO berpengaruh negatif signifikan terhadap efisiensi dan dummy lokasi tidak berpengaruh terhadap efisiensi kinerja BMT anggota Inkopsyah. Efficiency is one of the parameters for measuring the performance of financial institutions, one of which is Baitul Maal wa Tamwil (BMT). BMT is a sharia micro institution having a business and social orientation. BMT can be said to be efficient if it can manage its input and output properly. This research aims to analyze the efficiency of BMT belonging to Induk Koperasi Syariah (Inkopsyah) for the 20152019 period and the factors influencing it. This research used 10 (ten) BMT who had complete financial reports and sent them to Inkopsyah in the 2015-2019 period. The methods used in this research are Data Envelopment Analysis (DEA) and Tobit model. The estimation results show that most of the BMT belonging to Inkopsyah have not reached a perfect level of efficiency in their performance and there are still inefficiencies in the use of inputs and outputs. The factor having a significant positive effect on efficiency is business scale, while Operating Expenses to Operating Income (BOPO) has a significant negative effect on efficiency, and the dummy variable of location has a not effect on the performance efficiency of BMT belonging to Inkopsyah
Keyword: BMT, DEA, Efficiency, Induk Koperasi Syariah, Tobit

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell