Judul: Analysis of Macro Economic Factors Towards Saria Bank Financing between Indonesia and Malaysia
Abstrak: The objective of this research are analyzing and comparing the determinant of macroeconomic factors towards Islamic banking in Indonesia and Malaysia. Data used in this research was monthly time series data from period of December 2005 to December 2012 which was obtained from secondary data of Economic and Finance of Bank Indonesia (SEKI-BI), Indonesia Saria Banking Statistic (SPS-BI) and also data taken from Central Bank of Malaysia and Malaysia Department of Statistic. This paper examines the dynamic interactions between financing of Islamic banking and macroeconomic factors between Indonesia and Malaysia by employing the Vector Autoregressive (VAR), Co-integration test and Vector Error Model (VECM) combined with Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) to see whether the macroeconomic condition influences financing and non performing finance in the long-run. Also, it uses time series data of total Islamic bank financing (IB Financing), Non Performing Finance and Industrial Production Index, Profit Loss Sharing of Islamic Interbank Rate using SBIS (Sertifikat Bank Indonesia Syariah) and Malaysia Islamic Interbank Rate, Inflation, Exchange Rate and Money Demand to represent macroeconomic factors. The result of this research found that in the short-run, macroeconomic factor doesn’t affect much on syaria financing. Whereas in the long-run, there is evidence of relationship between macroeconomic and financing on Islamic bank, consist of development of financing, inflation, profit loss sharing, output, money supply and financing. On the other hand, there’s evidence to support following hypothesis of macroeconomic factors are influencing on Islamic bank in both countries, where increase in inflation can causes Islamic banking non performing finance of syaria banking in the long run.
Keyword: Syariah Financing, Non Performing Finance, Inflation, Profit Loss Sharing Ratio of Islamic Interbank Rate, Industrial Production Index, Exchange Rate, Money Supply

Judul: Factors affecting financing of islamic banking in  Indonesia in 2010-2013
Abstrak: Perkembangan pembiayaan perbankan syariah di Indonesia semakin meningkat. Namun, besaran pembiayaan hanya 3-5% jika dibandingkan dengan kredit bank umum konvensional. Tujuan penelitian ini adalah menganalisis faktorfaktor yang memengaruhi besaran pembiayaan yang disalurkan oleh perbankan syariah di Indonesia. Penelitian ini menggunakan metode Vector Error Correction Model (VECM) untuk melihat pengaruh jangka panjang dan respon terhadap guncangan (shock) yang terjadi pada variabel yang diteliti. Hasil penelitian menunjukkan bahwa dalam jangka panjang, tingkat bagi hasil, DPK, dan FDR memberikan pengaruh positif dan signifikan terhadap pembiayaan, sedangkan NPF memberikan pengaruh yang signifikan negatif. ROA dan BOPO tidak berpengaruh signifikan terhadap pembiayaan. Guncangan yang terjadi pada pembiayaan, NPF, dan ROA direspon positif oleh pembiayaan dan akan stabil dalam jangka panjang. Sedangkan guncangan yang terjadi pada tingkat bagi hasil, DPK, FDR, dan BOPO direspon negatif oleh pembiayaan dan akan stabil dalam jangka panjang., Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Keyword: DPK, Pembiayaan, Rasio Keuangan, Tingkat Bagi Hasil, VECM

Judul: Pola Pewarisan Karakter Suara Kicauan Pada Burung Perkutut
Abstrak: Turtledove (Geopelia striata) is a singing birds that has a better melodious voice. The inheritance of this character has not been determined, so that research on the voice inheritance is important. This study was aimed to characterize the voice patterns turtledove. Materials consisted of 12 pairs of parents and their progenies. Twelve of their turtledove was ranked based on their sound quality. The parameters observed included voice patterns, the presence of elements of sound, the type of sound, harmonious sound (frequency and level of sound intensity) and duration of the total sound. Voice analysis was done by using computer software Cool Edit Pro version 2.1. Sound visualization was displayed in waveform shape. Sound intensity level was determined using the formula TI = 10 log I/I0, with the value I0 at 10-12 W/m2. Based on the inheritance analysis sire voices is a better chance in herediting of the voice and the number of beats sound of the middle voice. Dam plays an role in giving voice rhythm modification and sound tip inheritance. Based on the sound analysis, sound quality the voice rank from the highest to the lowest were: ♂AK, ♂ FQ, ♂HHa, ♂ ISS, ♂HRR, ♂ BL, ♂CM, ♂ EQ, ♂GQ, ♂DO, ♂DN, and ♂DP. The frequency value and the highest intensity level displayed by AK turtledove were 929.49 Hz and 91.5 dB, whereas the lowest value displayed by ♂DP were 633.59 Hz, and 67.83 dB. The best rhythm of the turtledove indicated by high frequency with a stable pattern, harmonious the intonation, as well as clear basic voice.
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