Judul: Analysis of Bank Interest Rate Pass Through Behavior in Indonesia Before and During Covid-19 Pandemic
Abstrak: Derajat Interest Rate Pass Through (IRPT) adalah salah satu indikasi keefektifan hal tersebut. Adanya Pandemi Covid-19, berpotensi merubah perilaku pass through. Penelitian ini menggunakan metode ARDL dan NARDL untuk menganalisis perilaku pass through suku bunga perbankan di Indonesia baik pada produk pinjaman maupun deposito. Periode yang digunakan adalah sebelum pandemi (Januari 2017 hingga Februari 2020) dan saat pandemi (Maret 2020 hingga Desember 2022). Temuan penelitian menghasilkan kesimpulan: a) derajat pass through secara umum incomplete b) terjadi penguatan pass through saat pandemi c) pass through deposito lebih besar dibanding pinjaman d) derajat pass through jangka panjang lebih besar e) terdapat upward rigidity jangka panjang suku bunga pinjaman sebelum pandemi dan simetri saat pandemi f) terdapat downward rigidity jangka panjang dan upward rigidity jangka pendek suku bunga deposito kemudian merespon secara simetri saat pandemi., The degree of Interest Rate Pass Through (IRPT) is one indication of the policy effectiveness. The existence of the Covid-19 Pandemic, there may be changes in pass through behavior. This study uses the ARDL and NARDL methods to analyze the pass through behavior of bank interest rates in Indonesia on both loan and deposit products. The research period divided into pre-pandemic (January 2017 untill February 2020) and during pandemic (March 2020 untill December 2022). The research findings lead to the following conclusions: a) the degree of pass through is generally incomplete b) there is a strengthening of pass through during the pandemic c) deposit pass through is greater than loans d) long term pass through is greater than short term e) there is long-term upward rigidity in loan interest rates before the pandemic and symmetry during the pandemic f) there is long-term downward rigidity and short-term upward rigidity in deposit interest rates then respond symmetrically during the pandemic.
Keyword: ARDL, Asymmetric Behavior, Covid-19 Pandemic, Interest Rate Pass Through, NARDL

Judul: Analysis of Factors Affecting Islamic Banking Financing during the COVID-19 Pandemic
Abstrak: Penyebaran COVID-19 menjadi salah satu ancaman terbesar bagi ekonomi global dan pasar keuangan di dunia. Penelitian ini dilakukan untuk mengetahui pengaruh faktor-faktor yang memengaruhi pembiayaan bagi hasil selama pandemi COVID-19 terhadap perbankan syariah di Indonesia. Penelitian ini menggunakan sampel 13 Bank Umum Syariah dan 20 Unit Usaha Syariah serta periode waktu kuartal I-IV 2020. Alat analisis yang digunakan dalam penelitian ini adalah regresi data panel dengan pendekatan Random Effect Model (REM). Hasil penelitian menunjukkan bahwa DPK, NPF, FDR, ROA, PDB, inflasi dan jumlah uang beredar secara simultan berpengaruh terhadap pembiayaan bagi hasil. Untuk hasil estimasi secara parsial, variabel DPK, FDR, dan ROA berpengaruh signifikan dan positif terhadap pembiayaan bagi hasil. Sedangkan variabel NPF, PDB, inflasi, dan jumlah uang beredar tidak berpengaruh signifikan terhadap pembiayaan bagi hasil., The spread of COVID-19 is becoming one of the biggest threats to the global economy and financial markets in the world. This study is conducted to determine the effect of the factors that influence profit-sharing financing during the COVID-19 pandemic on Islamic banking in Indonesia. This study uses a sample of 13 Islamic Commercial Banks and 20 Sharia Business Units and the time period is quarter I-IV 2020. The analytical tool used in this study is panel data regression with the Random Effect Model (REM) approach. The results indicate that DPK, NPF, FDR, ROA, GDP, inflation and the money supply simultaneously has an effect on profit sharing financing. For the partial estimation results, the variables of DPK, FDR, and ROA have a significant and positive effect on profit sharing financing. While the variables of NPF, GDP, inflation, and the money supply have no significant effect on profit sharing financing.
Keyword: COVID-19, financial performance, Islamic banking financing, macroeconomics, panel data

Judul: Embriogenesis ikan buta (Astyanax fasciatus)
Abstrak: Ikan buta Astyanax fasciatus adalah spesies ikan unik dari famili Characidae yang menempati perairan dalam gua di Wilayah La Cueva Chica-San Luis Potasi-Mexico. Ikan ini memiliki mata yang tereduksi (Blind Cavefish) dan warna kulit merah muda, pucat serta mengkilap.
Keyword: