Judul: Faktor-Faktor yang memengaruhi Profitabilitas Asuransi Jiwa Syariah di Indonesia
Abstrak: Profitabilitas merupakan salah satu indikator dalam mengukur kinerja suatu lembaga keuangan, salah satunya adalah asuransi jiwa syariah. Profitabilitas asuransi jiwa syariah dapat diukur dengan Return on Asset (ROA). Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal dan eksternal terhadap profitabilitas asuransi jiwa syariah di Indonesia. Obyek penelitian ini adalah tiga perusahaan full fledge dan 15 unit usaha asuransi jiwa syariah periode 2014 hingga 2018. Metode penelitian yang digunakan yaitu analisis regresi panel data. Hasil penelitian menunjukkan bahwa ukuran perusahaan, likuiditas, kontribusi, klaim, reasuransi dan Indeks Harga Konsumen berpengaruh signifikan terhadap profitabilitas asuransi jiwa syariah. Variabel yang berpengaruh positif yaitu ukuran perusahaan, pendapatan investasi, likuiditas dan kontribusi. Sedangkan variabel yang berpengaruh negatif yaitu leverage, klaim, reasuransi dan Indeks Harga Konsumen.
Keyword: asuransi jiwa syariah, data panel, profitabilitas

Judul: Analisis Faktor-Faktor yang Memengaruhi Perolehan Surplus Underwriting pada Asuransi Jiwa Syariah di Indonesia (Periode 2019-2020)
Abstrak: Pada asuransi syariah, jika pada akhir periode terjadi selisih lebih dari total pendapatan asuransi ke dalam dana tabarru’ dikurang beban asuransi yang dikeluarkan, maka akan terdapat surplus underwriting. Suatu perusahaan asuransi syariah yang baik dapat dilihat ketika perusahaan tersebut berhasil memperoleh surplus underwriting, karena perolehan tersebut adalah suatu bukti ketika perusahaan berhasil mengelola dana peserta dengan baik. Surplus underwriting dapat digunakan sebagai cadangan ketika terjadi defisit underwriting atau ketika beban asuransi melebihi pendapatan asuransi, sehingga dapat meningkatkan minat masyarakat untuk berasuransi syariah. Oleh karena itu, penelitian ini bertujuan untuk menganalisis perkembangan surplus underwriting pada asuransi jiwa syariah di Indonesia dan faktor-faktor yang memengaruhinya dengan metode regresi data panel. Hasil estimasi dengan model FEM Robust Standard Error menunjukkan bahwa variabel kontribusi, hasil investasi, total aset, dan PDB berpengaruh secara positif dan signifikan. Sementara itu, variabel klaim dan inflasi berpengaruh secara negatif dan signifikan., In Islamic insurance, if at the end of the period there is a surplus from the substraction result between total insurance income in the tabarru’ fund and insurance expenses, the surplus will be called as underwriting surplus. A good Islamic insurance company can be seen when the company succeeds in obtaining an underwriting surplus, because it is a proof when the company has managed the participant funds well. The underwriting surplus can be used as a reserve fund when an underwriting deficit occurs or when insurance expenses exceed insurance income, thereby it can improve the public interest in Islamic insurance. Therefore, this study aims to analyze the development of the underwriting surplus in Islamic life insurance in Indonesia and the factors that influence it by using panel data regression method. The estimation results using the FEM Robust Standard Error model show that the variables of contribution, return on investment, total assets, and GDP have a positive and significant effect. Meanwhile, the claims and inflation variables have a negative and significant effect.
Keyword: Asuransi jiwa syariah, surplus underwriting, regresi data panel

Judul: Growth, Concentration Chlorophyll-a, and Structure of Macroalgae Gracilaria edulis in the Culture Media Containing Copper
Abstrak: The physiological responses (specific growth rate, concentration of chlorophyll-a, morphological and anatomical structure of the vegetative cells) of the marine macroalga Gracilaria edulis at the different concentrations of copper (0.01 as control, 0.04, 0.06 and 0,5 ppm) delivered continuously for 28 days under controlled laboratory conditions were investigated. Result showed that the degree of copper toxicity depends on both factor the concentration and exposure time. Copper concentration and day of exposure decreased significantly the specific growth rate (SGR) of the Gracilaria edulis but only 0,5 ppm Cu decreased the chlorophyll-a content when compared to control. Of the various physiological end points measured, growth proved to be the most sensitive response than chlorophyll-a with reductions in specific growth rate (SGR). The reason for this could be related to a greater sensitivity of the enzymes involved in growth than those related to chlorophyll-a or a greater energy needs to maintain cellular integrity and metabolic processes under sublethal Cu stress. In all cases, the main effect on vegetative cells were structure changes in cortex and subcortex cells, compared to control, macroalgae exposed to copper showed depigmentation and blending in the lateral branches, heavy staining of the cell wall and severe damage of cell membrane, while the mucilage and the cell walls was densely fibrillar, thick and heavily stained, the cortex cell was clearly vacuolated, the presence of endophytic on the cell wall and endophytic spores in the mucilage. The presence vacuoles should be related to a metal immobilization mechanism, minimizing the Cu toxicity for cells. The epiphytic bacteria can act as a biofilter diminishing the availability of Cu for macroalgae accumulation.
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