Judul: Analisis Pengaruh Lembaga Keuangan Mikro Syariah (LKMS) Terhadap Peningkatan Keuntungan Nasabah Usaha Mikro Kota Depok
Abstrak: Usaha mikro secara umum memiliki potensi untuk menjadi sarana peningkatan taraf hidup masyarakat dan telah memberikan kontribusi terhadap pertumbuhan ekonomi di Indonesia. Dalam proses perkembangannya, usaha mikro memiliki permasalahan terbesar dalam hal permodalan yang disebabkan banyaknya usaha mikro yang masih unbankable. Oleh karena itu perlu adanya lembaga keuangan alternatif selain Bank yang bisa mengatasi permasalahan tersebut. Lembaga keuangan mikro syariah (LKMS) atau yang biasa dikenal dengan BMT merupakan solusi terbaik untuk mengatasi masalah permodalan usaha mikro. Dengan mudahnya akses pembiayaan untuk usaha mikro dan sistem bagi hasil yang saling menguntungkan menjadikan LKMS solusi perkembangan usaha anggotanya. Penelitian ini bertujuan untuk menganalisis pengaruh LKMS terhadap peningkatan keuntungan usaha mikro Kota Depok dengan metode Ordinary Least Square (OLS). Hasil penelitian menunjukan adanya pengaruh signifikan peningkatan keuntungan usaha mikro setelah melakukan pembiayaan di LKMS.
Keyword: LKMS, Pembiayaan, OLS, Usaha mikro

Judul: Analisis Pengaruh Pembiayaan Syariah Terhadap Perkembangan Usaha Mikro Kecil Menengah di Kota Depok.
Abstrak: Micro, Small and Medium Enterprises (MSMEs) is has an important role to economic growth. Most of MSMEs faced common problem of lack of capital. Baitul Maal wat Tamwil (BMT) as a micro finance institution exists as an institution conducting the provision of financial services to micro and small entrepreneurs. This study analyzed MSMEs access to BMT and its impact on business development by using logistic regression and OLS (Ordinary Least Square). The analysis shows the factors that affect the access of SMEs to Islamic micro finance of BMT are business period, business turnover, total assets, and the amount of savings. The number of Islamic micro financing has a positive influence on the development of MSME business. Factors that affect the value of turnover development are the frequency of the financing, the period of business, and the amount of financing.
Keyword: MSMEs., Logistic Regression, OLS, BMT

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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