Judul: Faktor-faktor Yang  Memengaruhi Pedagang Pasar Raya Padang Memilih Pembiayaan Syariah
Abstrak: Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia sangat penting peranannya karena dapat berkontribusi pada perekonomian nasional. Keberadaan UMKM tidak lepas dari permasalahan, salah satunya yaitu permodalan. Untuk mengatasi masalah tersebut pemerintah mengeluarkan kebijakan agar lembaga keuangan memberikan pembiayaan kepada UMKM. Pembiayaan digunakan untuk mengembangkan dan meningkatkan pendapatan pedagang serta usaha kecil. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi pedagang pasar raya Kota Padang memilih pembiayaan syariah dengan jumlah sampel 100 responden. Metode yang digunakan dalam penelitian ini adalah metode analisis regresi logistik. Hasil penelitian menunjukkan faktor-faktor yang memengaruhi pedagang Pasar Raya Padang memilih pembiayaan syariah yaitu pengetahuan, kualitas pelayanan, dan pendapatan., Micro, Small, and Medium Enterpises (MSMEs) in Indonesia have a critical role because they can improve the economy. The existence of MSMEs cannot be separated from problems, one of them is capital. The government issued a policy to overcome this problem so financial institutions provides financing to MSMEs. Financing is used to develop and increase the income of traders and small businesses. This study aims to analyze the factors that influence market traders in Padang City to choose Islamic financing with a sample of 100 respondents. The method used in this research is the logistic regression analysis method. The results showed that knowledge, service quality, and income variables has influence the Pasar Raya Padang traders to choose Islamic financing.
Keyword: Islamic financing, Logistic regression, MSME, Traditional market traders

Judul: Analisis Preferensi Pedagang Pasar Tradisional terhadap Pembiayaan Mikro Syariah(Studi kasus: Pasar Tradisional Karangampel Indramayu
Abstrak: Pedagang pasar tradisional merupakan bagian dari UMKM yang masih mengalami masalah klasik terkait permodalan. Pasar merupakan tempat bagi UMKM menjual hasil produknya. Pedagang dalam menjalankan usahanya memiliki kendala dan masih memerlukan pembiayaan. Hanya terdapat satu lembaga keuangan mikro syariah yang menyediakan akses kepada para pedagang Pasar Tradisional Karangampel, yaitu, Baitul Maal wat Tamwil. Penelitian bertujuan mengetahui preferensi pedagang pasar tradisional dalam memilih sumber pembiayaan serta faktor yang mempengaruhinya. Sampel penelitian ini adalah 70 responden. Sampel ditentukan menggunakan teknik purposive sampling (tidak acak) dan snowball sampling. Metode yang digunakan dalam penelitian ini menggunakan analisis regresi logistik. Hasil penelitian menunjukkan variabel pengetahuan dan pelayanan berpengaruh positif signifikan terhadap preferensi memilih lembaga keuangan mikro syariah. Variabel pendapatan berpengaruh negatif signifikan terhadap preferensi memilih lembaga keuangan mikro syariah. Sementara pendidikan, citra lembaga dan religiusitas tidak memiliki pengaruh., Traditional market traders are part of MSMEs that are still experiencing classic problems related to capital. A market is a place for MSMEs to sell their product. Traders in trying to have obstacles and still need financing. There is only one sharia microfinance institution that provides access to Karangampel Traditional Market traders, namely Baitul Maal wat Tamwil. This study aims to determine the preferences of traditional market traders in choosing a source of financing and the factors that influence it. The sample of this research is 70 respondents. The sample was determined using purposive sampling (not random) and snowball sampling. The method used in this study uses logistic regression analysis. The results show that knowledge and service variables had a significant positive effect on preferences for choosing Islamic microfinance institutions. The income variable has a significant negative effect on preferences for choosing Islamic microfinance institutions. While education, institutional and religious image have no influence.
Keyword: BMT, traditional market traders, financing preferences, logistic regression

Judul: Biology Of Columbia Lance Nematode (Hoplolaimus Columbus Sher) On Soybean Excised Root Culture
Abstrak: S. Supramana, S. A. Lewis,.J. D. Mueller, B. A. Fortnum, and R. E. Ballard. 2001. Biology of Columbia lance nematod. ~ (Hoplolaimus columbus Sher) on soybean excised root culture. Nematropica 31 :283-2~)O. Feeding, egg development and oviposition, embryology, and postembtyonic development or Hoplolaimus col'lmbuswere observed on soybean (cultivar Hutcheson) excised root culture in Gam borg's B5 medium (pH 5.7,1.3% agar). Petri plate sterile cultures were placed inverted on a heated microscope stage (30°C) and observations were conducted using a color video camera and a time lapse digital videoca:;sette recorder. Oocytes were obsetved in each gonad 38 hours after feeding commenced and all egg possessing a terminal stalk was laid 96 hours later. Eggs were deposited it, the one-celled stag~ and a total of 217 hours (9 days) was required for a"newly laid egg to develop into a hatching second-stage juvenile at 30°C. Postembryonic development consisted of threejuvenile stages and an adult female with prior feeding occurring before molts and oviposition. The nematode fed ectoparasiticallyon the subepidermal cells and endoparasitically in the cortex and outer vascular tissue and remained at the infection site for 2·9 days. Key words: Columbia lance nematode, embryology, excised root culture, feeding behavior, HOfilo{aimus columbus, life cycle, oviposition, postembryonic development, soybean.
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