Judul: Analisis Faktor-Faktor yang Mempengaruhi Akses dan Pembatasan Kredit pada UMKM di Kabupaten Bogor
Abstrak: Micro, small and medium enterprises (MSMEs) have important role to absorb unemployment. However, most ofMSMEs have low access to formal financial institution. Semiformal financial institutions such as Baitul mal wat Tamwil (BMT) can support the needs of MSMEs capital. This study analyzed access MSMEs to conventional and Islamic financial institution and factors that influence credit rationing from financial institution. This research used logistic regression model to determine factors influencing MSMEs acces to BMT and their probability of being credit rationed by the institution. Access to Islamic financial institutions (BMT) are influenced by education and type of business (manufacturing and services). Factors influencing credit rationing are MSMEs’ maturity and frequency of loans
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Judul: Analysis the Influencing Factors of Micro Small Enterprises (MSE) in Bogor in Utilizing Rente Loan Service.
Abstrak: Usaha Mikro Kecil (UMK) memiliki peran yang sangat penting dalam perekonomian Indonesia, tetapi masih dihadapkan dengan beberapa kendala. Salah satu kendala besar yang dihadapi oleh pelaku UMKM adalah kendala permodalan dan keterbatasan akses untuk mendapatkan pembiayaan dari lembaga keuangan formal. Hal tersebut menyebabkan pelaku UMK bergantung pada lembaga keuangan informal yang menggunakan sistem rente (bunga). Sistem ini secara tegas dilarang dalam norma agama. Penelitian ini akan menganalisis faktorfaktor yang memengaruhi pelaku UMK Kota Bogor dalam pemanfaatan jasa pinjaman rente. Responden yang digunakan dalam penelitian ini terdiri dari 20 responden yang menggunakan pinjaman rente dan 30 responden yang tidak menggunakan pinjaman rente. Metode yang digunakan adalah metode regresi logistik dan analisis deskriptif. Faktor-faktor yang terbukti signifikan memengaruhi pelaku UMK dalam pemanfaatan jasa pinjaman rente adalah variabel pengaruh lingkungan, religiusitas, pendidikan dan pendapatan.
Keyword: Bogor Agricultural University, Institut Pertanian Bogor, IPB, Logistic Regresion, MSEs, Rente Loans service, Income, Religiosity, Non Probability Sampling

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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