Judul: Analisis Faktor-Faktor yang Mempengaruhi Akses dan Pembatasan Kredit pada UMKM di Kabupaten Bogor
Abstrak: Micro, small and medium enterprises (MSMEs) have important role to absorb unemployment. However, most ofMSMEs have low access to formal financial institution. Semiformal financial institutions such as Baitul mal wat Tamwil (BMT) can support the needs of MSMEs capital. This study analyzed access MSMEs to conventional and Islamic financial institution and factors that influence credit rationing from financial institution. This research used logistic regression model to determine factors influencing MSMEs acces to BMT and their probability of being credit rationed by the institution. Access to Islamic financial institutions (BMT) are influenced by education and type of business (manufacturing and services). Factors influencing credit rationing are MSMEs’ maturity and frequency of loans
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Judul: Analisis Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan UMKM di Kabupaten Bogor
Abstrak: Usaha mikro, kecil dan menengah memiliki kontribusi yang signifikan bagi perekonomian Indonesia. Namun, sebagian besar UMKM memiliki kendala modal. Terbatasnya akses terhadap lembaga keuangan formal membuat UMKM memilih lembaga keuangan semi/informal seperti BMT. Studi ini menganalisis akses UMKM terhadap pembiayaan mikro syariah BMT dan dampaknya terhadap perkembangan usaha. Akses UMKM terhadap pembiayaan mikro syariah BMT dilakukan dengan metode regresi logistik dan OLS digunakan untuk menganalisis dampak kredit dari BMT pada perkembangan usaha. Hasil regresi logistik menunjukkan bahwa faktor yang mempengaruhi akses UMKM terhadap pembiayaan mikro syariah dari BMT adalah dummy akses pinjaman perbankan konvensional, dummy jenis kelamin, dan dummy jenis usaha 1 (perdagangan). Banyaknya jumlah pembiayaan mikro syariah BMT berpengaruh positif terhadap perkembangan keuntungan usaha UMKM. Keuntungan usaha meningkat sebesar 28 persen per tahun. Faktor-faktor yang mempengaruhi perkembangan keuntungan usaha adalah lama pendidikan, jumlah pembiayaan mikro syariah BMT, perubahan omset dan total aset.
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Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell