Judul: The Effect of  Debt Financing on Business Turnover (Case Study : KSPPS BMT Berkah Mandiri Sejahtera Bogor Regency)
Abstrak: Koperasi Simpan Pinjam Pembiayaan Syariah (KSPPS) BMT Berkah Mandiri Sejahtera merupakan salah satu lembaga keuangan non bank yang memberikan pembiayaan debt financing kepada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) yang umumnya mengalami masalah permodalan dalam mengembangkan usahanya. Tujuan penelitian ini menganalisis pengaruh pembiayaan debt financing khususnya pembiayaan murabahah dan qardh terhadap omzet usaha dan menganalisis faktor-faktor yang memengaruhi omzet usaha setelah mendapatkan debt financing. Metode yang digunakan dalam penelitian ini adalah paired sample t-test (uji t berpasangan) dan Ordinary Least Square (OLS). Hasil uji t berpasangan menunjukkan bahwa omzet UMKM mengalami perubahan yang signifikan yaitu terjadinya peningkatan setelah mendapatkan pembiayaan. Hasil analisis data menunjukkan bahwa tingkat pendidikan, tenaga kerja, lama usaha , jumlah pembiayaan, dummy jenis kelamin dan dummy skema pembiayaan berpengaruh signifikan terhadap omzet usaha disamping variabel lain seperti jumlah tanggungan keluarga, jangka waktu pembiayaan dan jenis usaha.
Keyword: BMT, Debt financing, Micro Small and Medium Enterprises (MSMEs), OLS, Paired Sample T-test

Judul: Analisis Pengaruh Pembiayaan Syariah Terhadap Perkembangan Usaha Mikro Kecil Menengah di Kota Depok.
Abstrak: Micro, Small and Medium Enterprises (MSMEs) is has an important role to economic growth. Most of MSMEs faced common problem of lack of capital. Baitul Maal wat Tamwil (BMT) as a micro finance institution exists as an institution conducting the provision of financial services to micro and small entrepreneurs. This study analyzed MSMEs access to BMT and its impact on business development by using logistic regression and OLS (Ordinary Least Square). The analysis shows the factors that affect the access of SMEs to Islamic micro finance of BMT are business period, business turnover, total assets, and the amount of savings. The number of Islamic micro financing has a positive influence on the development of MSME business. Factors that affect the value of turnover development are the frequency of the financing, the period of business, and the amount of financing.
Keyword: MSMEs., Logistic Regression, OLS, BMT

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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