Judul: The analysis of affecting factors of islamic banking on the business service financing in indonesia
Abstrak: Sektor jasa dunia usaha memiliki peran penting dalam menggerakkan ekonomi riil di Indonesia dan perbankan syariah merupakan salah satu alternatif atas keterbatasan dana pengusaha sektor jasa dunia usaha. Pembiayaan oleh perbankan syariah kepada jasa dunia usaha memiliki pangsa terbesar padahal dilihat dari nilai PDBnya relatif kecil. Tujuan utama dari studi ini adalah menganalisis faktor-faktor yang memengaruhi pembiayaan syariah ke sektor jasa dunia usaha di Indonesia. Penelitian ini menggunakan data sekunder berupa data time series bulanan periode Januari 2009 hingga Desember 2013. Hasil analisis dengan menggunakan metode OLS menunjukkan bahwa faktor yang memengaruhi pembiayaan perbankan syariah secara signifikan dan sesuai hipotesis terhadap jasa dunia usaha adalah dana pihak ketiga, finance to deposit ratio dan suku bunga bank konvensional terhadap sektor jasa dunia usaha dimana ketiga variabel tersebut berpengaruh positif serta variabel equivalent rate perbankan syariah yang berpengaruh negatif. Sementara variabel non performing finance dan inflasi berpengaruh signifikan namun hubungannya tidak sesuai dengan hipotesis. Variabel NPF berpengaruh positif karena tingkat NPF sektor jasa dunia usaha relatif kecil dan Inflasi berpengaruh positif karena peningkatan harga meningkatkan kebutuhan akan pembiayaan., Business services sector has an important role in enhance the real economy and Islamic banking in Indonesia is one of the alternatives to the limited funds the business service sector's employers. Financing by Islamic banking to business services has yet seen the largest share even though value of GDP is relatively small. The aim of this study was to analyze the factors that affect Islamic finance to the business services sector in Indonesia. This study used secondary data from the monthly time series data from January 2009 to December 2013. The results of the analysis OLS showed that the factors affecting Islamic banking financing significantly and according to the hypothesis of business services are third-parties fund, finance to deposit ratio and a conventional bank interest rates to the business services sector in which these three variables as well as the positive effect, equivalent rate of Islamic banking negatively. While non-performing finance variables and inflation significantly but do not conform to the hypothesis.
Keyword: Ordinary Least Square, perbankan syariah, pembiayaan, sektor jasa dunia usaha

Judul: Analysis of the Influence of Internal and External Factors on Sharia Financing in Indonesia
Abstrak: Peran perbankan menjadi agen pembangunan kehidupan bernegara sebagai lembaga intermediasi. Bank berperan menjadi perantara keuangan; menghimpun dan menyalurkan dana. Fungsi intermediasi dilakukan untuk mendorong perekonomian dari segi penyaluran dana sebagai upaya untuk mensejahterakan rakyat. Upaya yang dilakukan tentu dihadapi dengan beberapa persoalan yang perlu diatasi agar aktivitasnya dapat berlanjut dan mengalami peningkatan. Penelitian bertujuan untuk menganalisis faktor-faktor bank syariah (internal/eksternal) yang berpengaruh terhadap keluasan jangkauan pembiayaan dan penyaluran pembiayaanya. Data penelitian menggunakan data sekunder yang diperoleh dari informasi laporan keuangan bank syariah terpublikasikan dengan jendela waktu 6 tahun sejak tahun 2014-2019. Penelitian ini dilaksanakan pada bulan Desember 2019 sampai dengan Januari 2021. Metode analisis penelitian menggunakan metode kuantitatif; metode data panel dengan software analisis data STATA 15.1. Hasil penelitian menunjukkan bahwa pertama; Surat Berharga sebagai cadangan likuiditas, investasi yang menguntungkan sebagai sumber pendapatan bank juga sebagai sumber dana untuk pembiayaan infrastruktur. Kedua; Dana Pihak Ketiga sebagai fungsi intermediasi menjadi sumber pendanaan dalam meningkatkan perannya dalam menyalurkan pembiayaan. Hasil lain menunjukkan bahwa financial turbulensi akibat inflasi tinggi, bank syariah mengharuskan tetap menjaga keberlanjutannya (financial management) sebagai fungsi inovasi pada struktur modal melalui Surat Berharga, sementara Dana Pihak Ketiga bank syariah dioptimalkan sebagai penyaluran pembiayaan sebagai fungsi jangkauannya., Banking has a role as one of the agents for the development of state life with a financial intermediary function, namely collecting and channeling funds. The function of an intermediary is carried out to encourage the economy in terms of channeling funds as an effort to prosper the people. The efforts made are of course with several problems that need to be resolved so that their activities can continue and experience improvement. The research data used is secondary data obtained from financial statement information published by Islamic banks with the research period carried out within 6 years from 2014 to 2019. This research was conducted from December 2019 to January 2021. The method of analysis of this research uses quantitative methods. namely panel data method with data analysis software used in this study, namely STATA 15.1 software. The results showed that first; Securities as liquidity reserves, profiTabel investment as a source of bank income as well as a source of funds for infrastructure financing. Second; Third Party Fund as an intermediation function becomes a source of funding in increasing its role in channeling financing. Other results show; financial turbulence due to high inflation, Islamic banks require maintaining sustainability (financial management) as a function of innovation in the capital structure through securities, while Islamic banks' third party funds are optimized as distribution of their sharia financing as a function of outreach.
Keyword: outreach sharia financing, securities, third-party fund, financial management

Judul: Application of carboxymethyl cellulose (CMC) from Pineapple core as edible coating for Grape Tomatoes (Lycopersicon esculentum Mill. 'Santa')
Abstrak: About 161 million tons of tomatoes were produced per year in the world in 2012. However, the large amount of this production was lost partly due to a lack of effective facilities during storage. Such a loss can be minimized using an alternative method which applies carboxymethyl cellulose (CMC) based edible coating. Pineapple core, which creates waste problem in many countries, is a source of cellulose and can be derived into CMC. The aim of this study was to investigate the effect of CMC based coating from 2% pineapple core (CMCpc) and commercial CMC (CMCc) compared to control on weight loss, firmness, total color difference (ΔE), total soluble solid (TSS) and Vitamin C content of grape tomatoes in ambient storage (25oC and 70%). The results showed that in the last day observation, coated grape tomatoes using CMCc and CMCpc had a lower weight loss (14.63 and 24.51%), lower TSS (5.14% and 5.12% Brix) and higher vitamin C content (28.47 and 27.67 mg/100g) than control (24.71% weight loss, 5.6% Brix, and 26.68 mg/100g). However, there was no effect observed in firmness and ΔE of tomatoes with and without coating (p<0.05). These results indicated that CMC coating can delay the moisture loss and ripening process of tomatoes in ambient condition.
Keyword: carboxymethyl cellulose, edible coating, pineapple core, qualities of tomatoes, storage