Judul: Analysis of Factors that Influence MSME's Decisions to Choose Sharia Financing as a Source of Financing
Abstrak: UMKM adalah pilar penting ekonomi Indonesia, berkontribusi signifikan pada PDB, penyerapan tenaga kerja, dan ekspor. Namun, sektor ini menghadapi kendala akses pembiayaan dari lembaga keuangan formal. Penelitian ini bertujuan untuk mengidentifikasi karakteristik pelaku UMKM di Kabupaten Sukabumi dan menganalisis faktor yang memengaruhi keputusan dalam memilih pembiayaan syariah. Metode analisis yang digunakan dalam penelitian ini adalah tabel kontingensi (cross tabulation) untuk menggambarkan karakteristik responden, serta analisis regresi logistik multinomial untuk mengidentifikasi faktor-faktor yang memengaruhi keputusan UMKM dalam memilih pembiayaan syariah. Hasil penelitian menunjukkan bahwa pendidikan, pengetahuan, promosi, kualitas pelayanan, dan aksesibilitas berpengaruh signifikan terhadap keputusan UMKM dalammemilih pembiayaan syariah. Sebaliknya, pendapatan tidak menunjukkan pengaruh signifikan., MSMEs are an important pillar of Indonesia's economy, contributing significantly to GDP, employment absorption, and exports. However, this sector faced obstacles in accessing financing from formal financial institutions. This study aimed to identify the characteristics of MSME actors in Sukabumi Regency and analyze the factors influencing their decisions in choosing Sharia financing. The analytical methods used in this research were contingency tables (cross tabulation) to describe the characteristics of the respondents, as well as Multinomial Logistic Regression Analysis to identify the factors influencing MSME decisions in selecting Sharia financing. The results showed that the variables of education, knowledge, promotion, quality of service, and accessibility had a significant impact on MSME decisions in choosing Sharia financing. Conversely, the income variable did not show a significant effect.
Keyword: Sukabumi regency, MSMEs, Sharia Financing, Multinomial Logistics Regression, Contingency Table

Judul: Analysis of Factors Influencing MSEs in Choosing Murabahah (Case Study: KSPPS Al-Uswah Banjar Branch)
Abstrak: Perkembangan Usaha Mikro dan Kecil (UMK) tidak lepas dari permasalahan, salah satunya terkait akses permodalan. Koperasi syariah sebagai salah satu lembaga keuangan mikro merupakan salah satu alternatif sumber permodalan bagi UMK yang terkendala dalam masalah permodalan. Tujuan penelitian ini adalah mengidentifikasi karakteristik anggota pembiayaan murabahah KSPPS Al-Uswah Cabang Banjar dengan analisis deskriptif dan menganalisis faktor-faktor yang memengaruhi keputusan anggota dalam memilih pembiayaan murabahah di KSPPS Al-Uswah Cabang Banjar dengan metode regresi logistik. Sampel penelitian ini berjumlah 92 responden yang mewakili anggota KSPPS AL-Uswah. Hasil penelitian menunjukkan bahwa faktor-faktor yang memengaruhi anggota dalam memilih pembiayaan murabahah di KSPPS Al-Uswah Cabang Banjar secara signifikan adalah kepercayaan, religiusitas, promosi, dan kualitas pelayanan., The development of Micro and Small Enterprises (MSEs) cannot be separated from problems, one of which is related to access to capital. Sharia cooperatives as a microfinance institution are an alternative source of capital for MSEs who are constrained by capital problems. The purpose of this study was to identify the characteristics of members of the murabahah KSPPS Al-Uswah Banjar branch with descriptive analysis and analyze the factors that influence members' decisions in choosing murabahah at KSPPS Al-Uswah Banjar branch with logistic regression method. The sample of this study amounted to 92 respondents representing members of KSPPS AL-Uswah. The results showed that the factors that significantly influenced members in choosing murabahah at KSPPS Al-Uswah Banjar branch were trust, religiosity, promotion, and service quality.
Keyword: sharia cooperatives, murabahah, logistics regression, MSEs

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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