Judul: Analysis the Effect of Financial Inclusion on Economic Growth in Asia
Abstrak: Inklusi keuangan telah dijadikan sebagai salah satu 9 pilar utama dalam agenda pembangunan global. Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan terhadap pertumbuhan ekonomi di Asia pada tahun 2009-2018. Inklusi keuangan dihitung menggunakan Index of Financial Inclusion (IFI), sedangkan pengaruh inklusi keuangan terhadap pertumbuhan ekonomi dianalisis melalui metode data panel statis Fixed Effect Model. Analisis IFI menunjukkan bahwa negara berpendapatan tinggi dikategorikan High Financial Inclusion, menengah atas dikategorikan Middle Financial Inclusion dan menengah bawah sebagai Low Financial Inclusion. Hasil panel statis menunjukkan inklusi keuangan dan layanan seluler berpengaruh positif terhadap pertumbuhan ekonomi, baik seluruh Asia maupun berdasarkan tingkatan pendapatan negaranya. Keterbukaan perdagangan berpengaruh negatif pada tingkatan pendapatan menengah kebawah. FDI hanya berpengaruh negatif pada keseluruhan Asia. Pembentukan modal berpengaruh positif pada seluruh tingkatan pendapatan, kecuali pendapatan tinggi. Populasi pada negara pendapatan tinggi berpengaruh positif, sedangkan menengah atas signifikan berpengaruh negatif. Kualitas institusi memiliki pengaruh yang positif di indikator yang berbeda-beda pada tingkat pendapatannya. Negara berpendapaatan rendah perlu meningkatkan aspek penetrasi melalui sosialisasi secara insentif, penyediaan layanan jasa keuangan yang mudah dijangkau, dan pemanfaatan inovasi layanan keuangan seperti mobile banking., Financial inclusion has become one of the 9 main pillars in the global development agenda. This study aims to analyze the effect of financial inclusion on economic growth Asia in 2009-2018. Financial inclusion is calculated using the Index of Financial Inclusion (IFI), while the effect of financial inclusion on economic growth is analyzed by static panel data Fixed Effect Model. The results shows that high-income countries are categorized as High Financial Inclusion, the upper middle class as Middle Financial Inclusion and the lower middle class as Low Financial Inclusion. Meanwhile, Financial inclusion and cellular services have a positive effect on economic growth. Trade openness has a negative effect on the lower middle income. FDI has a negative effect on the whole of Asia. Capital formation has a positive effect on all income levels, except for high incomes. The population in high-income countries has a positive effect, while the upper middle class has a negative effect. Institutional quality has a positive effect on different indicators of income levels. Low-income countries need to increase the penetration aspect through incentive socialization, providing easy-to-reach financial services, and utilizing financial service innovations such as mobile banking.
Keyword: Asia, FEM, Inklusi Keuangan, Pertumbuhan Ekonomi, Financial Inclusion, Economic Growth

Judul: Analisis Keterkaiitan Inklusi Keuangan dengan Pembangunan di Asia
Abstrak: Financial inclusion recently has become the main focus of development in financial sector in various country. People can access financial services easily by inclusiveness in financial system. Despite economic growth has positive trend in Asia, there are Asian population who could not access financial services. Financial inclusion can be measured by Index of Financial Inclusion that has been developed by Sarma (2008). This paper observe eigth countries in Asia from 2004-2011. Japan and South Korea are the country that has the highest index of financial inclusion that is 0.9 and 0.5 respectively, while Pakistan that has the lowest index that is 0.1. Thus, financial system in Japan and South Korea more inclusive than other countries. This study uses Tobit Regression to determine development idicators that influence index of financial inclusion. The result is GDP per capita and rural population influnce index of financial inclusion. While unemployment doesn’t affect financial inclusion
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Judul: Studi Kasus Diagnosis Pencitraan Gangguan Saluran Pencernaan Atas Anjing Schnauze
Abstrak: The aim of this study was to learn the role of diagnostic imaging to define the diagnose of the upper gastrointestinal tract disorder of the Schnauzer. The information from the owner (anamneses) stated that the dog has been vomiting for a year, sometimes containing blood. There might also be a possibility that it had eaten a corpus alineum. This study case covered physical examination, hematology and blood chemical analysis, radiography, ultrasonography, and endoscopy performed. Physical examination showed weight loss and anorexia. Hematology and blood chemical analysis showed an increase in lymphocyte, haemoglobin (Hb), haemotocrit (Hct), ureum, creatinine, alanin aminotransferase (ALT), and alkaline phosphatase (ALP). Abdominal radiograph showed no abnormality in the abdominal organs. Abdominal ultrasonography showed a hyperechoic mass on the stomach mucosal surface. The mass forms an acoustic shadowing at the ventral. The acoustic shadowing in the stomach may be caused by an accumulation of gas or foreign object such as bone. Endoscopy showed that there was inconsistency of stomach mucosa surface, foamy bile fluid in the stomach, ulcers, and erosion of the stomach mucosal surface. Based on the endoscopy performed, the animal was clearly diagnosed with chronic gastritis accompanied by stomach ulcer and erosion.
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