Judul: Dampak Pembiayaan Qardhul Hasan Terhadap Perkembangan Usaha Mikro (Studi Kasus Bmt Al Husnayain Jakarta).
Abstrak: Usaha mikro mempunyai peran penting dalam perekonomian nasional namun usaha mikro memiliki keterbatasan modal dan akses pembiayaan pada lembaga keuangan formal. Penelitian ini bertujuan menganalisis dampak pembiayaan qardhul hasan yang diberikan BMT terhadap perkembangan omzet usaha mikro serta menganalisis faktor-faktor yang berpengaruh terhadap perkembangan omzet usaha mikro setelah mendapatkan pembiayaan qardhul hasan. Metode yang digunakan dalam penelitian ini adalah uji t dua sampel berpasangan dan OLS. Penelitian ini dilakukan pada Desember 2014Februari 2015 di BMT Al Husnayain, Jakarta dengan jumlah responden sebanyak 50 sampel yang diambil menggunakan teknik purposive sampling. Hasil uji t dua sampel berpasangan menunjukkan bahwa pembiayaan qardhul hasan berdampak positif terhadap perkembangan usaha mikro. Hasil analisis menggunakan metode OLS menunjukkan bahwa lama usaha, laba usaha, dummy jenis usaha, dummy kehadiran pembinaan, usia, dan modal berpengaruh secara signifikan terhadap perkembangan omzet usaha responden setelah mendapatkan pembiayaan qardhul hasan.
Keyword: BMT, OLS, Usaha Mikro, Qardhul Hasan

Judul: Analisis Pengaruh Pembiayaan Murabahah Terhadap Perkembangan Usaha Mikro Di Bmt Insan Mulia Kota Palembang
Abstrak: Usaha mikro memiliki peran penting dalam pertumbuhan ekonomi nasional. Masalah utama yang sering dihadapi oleh usaha mikro adalah keterbatasan. BMT Insan Mulia merupakan salah satu lembaga keuangan mikro syariah non bank yang memberikan kemudahan bagi pengusaha mikro untuk mendapatkan tambahan modal melalui pembiayaan murabahah. Tujuan dari penelitian ini adalah menganalisis dampak pembiayaan mikro terhadap perkembangan usaha mikro. Metode yang digunakan dalam penelitian ini adalah uji-t berpasangan dan OLS. Hasil uji t berpasangan menunjukkan bahwa terdapat perbedaan yang signifikan antara pengeluaran sehari- hari, tabungan, pengeluaran usaha, modal awal, omzet usaha, jumlah tenaga kerja, dan keuntungan sebelum dan sesudah diberikan pembiayaan murabahah. Hasil analisis dengan metode OLS menunjukkan bahwa pengeluaran kesehatan, jumlah tenaga kerja, lama usaha, jumlah pinjaman, pengeluaran usaha, aspek syariah dan dummy asset berpengaruh signifikan terhadap perkembangan omzet usaha responden.
Keyword: BMT, OLS, Pembiayaan Murabahah, Uji-t berpasangan, usaha mikro

Judul: Phylogeography and Species Limits in the Papuan White Snake (Micropechis ikaheka) (Reptilia: Serpentes: Elapidae)
Abstrak: Papua white snake, Micropechis ikaheka, has been distingushed into two subspecies M.i. ikaheka and M.i. fasciatus. However, due to lack of data on their morphology, distribution and ecology, both subspecies often ignored in scintific discussions and refers only byas , Micropechis ikaheka. This study was designed to document the differences between M.i. ikaheka and M.i fasciatus by using scales characteristics and reproductive organ or hemipenes. The study also examine, zoogeography, habitat, diet and cannibalism of both subspecies to better understanding the the ecology of one of the most venomous snakes in the world. This study consists of three topics with method and also different in the size samples, respectively. The first study is the histology and microtopography of the skin were studied using paraffin method and Scanning Electron Microscope (SEM). The second is the hemipenis were examined by following Myers and Cadle (2003), and Zaher and Prudente (2003). The third is the abdominal surgery was carried out to document diet type and the investigate phenomenon of cannibalism in the snake. Specimens for this study came from the collection from Museum Zoologicum Bogoriense (MZB) and Universitas Negeri Papua’s Laboratory (LZU). The research result also indicated that the markers of skin and hemipenis described the same structure and microornamentation in all M. ikaheka groups being compared. Based specimens examined morphological descriptions do not s support the further differentiation in Micropechis. In short, two markers that used in this study could not sufficiently indicate the differences in the level of species and subspecies of M. ikaheka. The study, however, were able to delineate zoogeography and skin color patterns, which fall into four groups: M. i. ikaheka; M. i. fasciatus. M. i. ssp. “intermediate”; and M. i. ssp “black”. This study also revealed that color variations did not overlap in their geographic distribution. It is therefore, it suggested that environmental factors may contribute to the skin color variations. It also assumed that habitat discontinuous and biogeography factors may also cause the loss of the connection between the original populations (vicarians) or follow colonization events (dispersal). The examined of 22 stomach contents of M. ikaheka shows this species is carnivorous, and prey on vertebrates such as amphibians, fish, reptiles, and Mammals. These snakes are opportunistic predators since they prey on all that can be captured, but mainly reptiles (61.5%), followed by mammals and fish (both 15.4%), and amphibians (7.7%). Although categorized as terrestrial animal, the diet study showed that M. ikaheka snakes often go into the water to hunt for fish (the sample from Yapen island), including eel (the sample from Aru island). Based on prey items indentified, there is evidence that M. ikaheka is cannibal. At this time, there still no record on reason for cannibalism, but it is assumed that cannibalism was due to competition between populations and means to control population.
Keyword: geographic variation, white snake, papua