Judul: Aplikasi Prinsip Mudharabah Beserta Analisis Kinerja Dan Keagenan Pada Bank Syariah Muamalat Indonesia
Abstrak: Bank syariah sebagai pendatang baru dalam dunia perbankan Indonesia menghadapi tantangan besar dalam menggunakan produk - produk perbankan yang compliance dengan prinsip syariah. Prinsip bagi hasil dijadikan sebuah core product bagi bank syariah. Pada sisi penghimpunan dana, prinsip bagi hasil (mudharabah) merupakan produk yang dominan, tetapi pada sisi pembiayaan bank masih mengalami kendala dalam mengimplementasikannya.
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Judul: Faktor-Faktor Yang Memengaruhi Pendapatan Margin Murabahah Pada Produk KPR Syariah: Studi Kasus Bank Syariah Indonesia
Abstrak: Pembiayaan KPR syariah dengan akad murabahah adalah produk pembiayaan konsumtif unggulan di Bank Syariah Indonesia dan menjadi salah satu penyumbang terbesar dalam pendapatan bank. Penelitian ini dilakukan untuk mengetahui karakteristik margin KPR syariah dan faktor yang memengaruhi pendapatan margin murabahah pada produk KPR syariah. Model yang digunakan adalah regresi linear berganda dengan metode OLS. Hasil penelitian menyimpulkan bahwa volume pembiayaan murabahah dan inflasi tidak berpengaruh signifikan terhadap pendapatan margin murabahah. Non performing financing (NPF) berpengaruh negatif signifikan terhadap pendapatan margin murabahah. Biaya operasional per pendapatan operasional (BOPO), BI rate, growth, dan dummy merger berpengaruh positif signifikan terhadap variabel pendapatan margin murabahah. Bank Syariah Indonesia harus memperhatikan variabel- variabel terkait dengan pendapatan margin murabahah karena merupakan penyumbang pendapatan terbesar., Islamic mortgage financing with a Murabaha contract is the leading consumer financing product at Bank Syariah Indonesia and is one of the largest contributors to bank income. This research was conducted to find out the margin characteristics of Islamic mortgages and the factors that influence the murabaha margin income in the Islamic mortgage product. The model used is multiple linear regression with the OLS method. The result of this research concludes that murabaha's financing volume and inflation have no significant effect on murabaha's margin income. Non-performing financing (NPF) has a significant negative effect on murabaha's margin income. Operational efficiency ratio (BOPO), BI rate, and growth have a significant positive effect on variable income margin murabaha. The findings in this research are the effect of BOPO, NPF, BI Rate, growth, and dummy merger on murabaha margin income. Bank Syariah Indonesia must pay attention to variables related to murabaha margin income because they are the largest contributor.
Keyword: Bank Syariah Indonesia, Islamic mortgage products, Murabaha, Margin  Income

Judul: Kapasitas Konsumsi Larva dan Imago Epilachna vigintioctopunctata (Fab.) (Coleoptera: Coccinellidae) pada Inang Terung (Solanum melongena) dan Tomat (Lycopersicum esculentum).
Abstrak: The hadda beetle of Epilachna vigintioctopunctata is an important pest on Solanaceae plants. Crops devoliation are strongly influenced by food consumption pattern on each host plant. The aim of this study is to compare the consumption of E. vigintioctopunctata on eggplant and tomato leaves and its influenced on the acceleration of larval growth rate, the body size, the length of each instars periods, and standing position of the beetles during eating. Each tested leaf was taken from two-month-old host plants and fed to newly hatched instars larvae. The daily leaf areal consumed and the body lengths of insect were measured until the adult died. The changing of instars morph and the position of insect on the leaf surface were also observed. The average rate of food consumption by fourth instar larvae and adult were significantly higher on eggplants 190.5 and 190.8 mm2/days compared with tomatoes 76.40 and 127.1 mm2/days, respectively. The total areas of damaging leaf within 17.2 days during larval and adult feeding stage were 2069.1 mm2/insect on eggplants and 1067.3 mm2/insect on tomatoes. Food consumption on the eggplant shortened the length of the pupal period and increased the longevity of adult to become 4 and 9 days, respectively. Highly food consumption by the third instar larvae almost produced the same size of the next fourth instar, further consumption caused the lengthened of pupal size and the shortened of adult on the eggplant compared with tomato. The growth rate of larval body size was 0.5-0.7 mm/day on eggplants significantly higher than tomatoes was 0.1-0.3 mm/day. The adult beetles tend to stay on the upper surface, while the larvae prefer on the lower surface of both eggplant and tomato leaves. In general, E. vigintioctopunctata devastated more on the eggplant than tomato leaves.
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