Judul: Determinants of Banking Liquidity Risk Sharia and Conventional Banking in Indonesia
Abstrak: Liquidity has an important role in the development and sustainability of the banking industry. This is shown through the nature of liquidity which is vulnerable to shocks, causing banks to anticipate risks arising from liquidity. The purpose of this study is to analyze the comparison of the determinants of liquidity of Conventional Commercial Banks (BUK) and Islamic Commercial Banks (BUS) in Indonesia based on the Loan to Deposit Ratio (LDR) and Financing to Deposit Ratio (FDR) in the period 2016 to 2020. Data analysis techniques used is panel data regression. The panel data regression results show economic growth as a systematic variable has a positive effect on banking liquidity risk in Indonesia, and non-performing loans (financing) as a non-systematic variable have a negative effect on banking liquidity risk in Indonesia., Likuiditas memiliki peran penting dalam perkembangan dan keberlanjutan industri perbankan. Sifat likuiditas yang rentan terhadap guncangan mengakibatkan bank harus mengantisipasi risiko yang timbul atas likuiditas. Tujuan dari penelitian ini adalah menganalisis perbandingan determinan likuiditas bank umum konvensional (BUK) dan bank umum syariah (BUS) di Indonesia berdasarkan loan to deposit ratio (LDR) dan financing to deposit ratio (FDR) pada periode 2016- 2020. Teknik analisis data yang digunakan adalah regresi data panel. Hasil regresi data panel menunjukkan bahwa NPL dan NPF sebagai variabel non-sistematis berpengaruh negatif terhadap LDR BUK dan FDR BUS. GDP sebagai variabel sistematis berpengaruh positif terhadap LDR BUK dan FDR BUS., Liquidity has an important role in the development and sustainability of the banking industry. This is shown through the nature of liquidity which is vulnerable to shocks, causing banks to anticipate risks arising from liquidity. The purpose of this study is to analyze the comparison of the determinants of liquidity of Conventional Commercial Banks (BUK) and Islamic Commercial Banks (BUS) in Indonesia based on the Loan to Deposit Ratio (LDR) and Financing to Deposit Ratio (FDR) in the period 2016 to 2020. Data analysis techniques used is panel data regression. The panel data regression results show economic growth as a systematic variable has a positive effect on banking liquidity risk in Indonesia, and non-performing loans (financing) as a non-systematic variable have a negative effect on banking liquidity risk in Indonesia.
Keyword: BUK, BUS, non-systematic determinants of liquidity risk, systematic determinants of liquidity risk

Judul: Determinants of Liquidity of Islamic Indonesian Banks
Abstrak: Likuditas merupakan salah satu permasalahan dalam perbankan termasuk perbankan syariah, disebabkan perbedaan pengelolaan likuiditas serta perubahan kinerja internal dan makroekonomi. Penelitian ini bertujuan untuk melihat faktor- faktor apa yang mempengaruhi pada Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) dalam hal likuiditas. data yang digunakan dalam penelitian ini adalah data sekunder yang bersifat agregat periode Januari 2015-Juni 2022. Metode yang digunakan NARDL (Nonlinear Autoregressive Distributed Lag) dikarenakan metode ini lebih sensitif melihat sebuah hubungan jangka pendek dan jangka panjang dengan data yang bersifat tidak linier. Hasil penelitian menunjukkan pada periode Januari 2015 – Juni 2022, pada BUS penggunaan rasio ALA lebih sensitif terhadap perubahan kinerja-kinerja internal dan faktor-faktor makroekonomi jika dibandingkan dengan rasio FDR, pada UUS penggunaan rasio FDR lebih sensitif terhadap perubahan kinerja-kinerja internal dan faktor-faktor makroekonomi jika dibandingkan dengan rasio ALA. Pada periode Januari 2015- Maret 2020, pada BUS maupun UUS menunjukkan rasio FDR lebih sensitif terhadap perubahan kinerja-kinerja internal dan faktor-faktor makroekonomi jika dibandingkan dengan rasio ALA. Panjang pendeknya data penelitian mempengaruhi hasil. Perbedaan pengaruh rasio likuiditas antara BUS dan UUS disebabkan karna hubungan antar FDR dan ALA berbeda. Pada BUS FDR dan ALA mempunyai hubungan yang sangat erat sehingga dapat diartikan ekspansi pembiayaan berjalan sangat hati-hati dan tidak bisa terlalu agresif. Risiko likuiditas pada BUS lebih besar mengingat komposisi DPK yang lebih beragam. Pada UUS FDR dan ALA tidak mempunyai hubungan yang tidak terlalu erat dapat diartikan terdapat faktor lain yang mempengaruhi likuiditas UUS. Ekspansi pembiayaan tidak terlalu memerlukan kondisi likuiditas dikarenakan komposisi DPK tidak seberagam BUS., Liquidity is one of the problems in banking, including Islamic banking, due to differences in liquidity management and changes in internal and macroeconomic performance. This study aims to see what factors affect Islamic Commercial Banks (ICB) and Sharia Business Units (SBU) regarding liquidity. The data used in this study are secondary data aggregated from January 2015-June 2022. The method used is NARDL (Nonlinear Autoregressive Distributed Lag) because this method is more sensitif to seeing a short-term and long-term relationship with data that is not linear. The results showed that in the period January 2015 - June 2022, in ICB, the use of the ALA ratio was more sensitif to changes in internal performance and macroeconomic factors when compared to the FDR ratio; in SBU, the use of the FDR ratio was more sensitif to changes in internal performance and macroeconomic factors when compared to the ALA ratio. In the period January 2015- March 2020, ICB and SBU show that the FDR ratio is more sensitif to changes in internal performance and macroeconomic factors when compared to the ALA ratio. The short length of the research data affects the results. The difference in the effect of liquidity ratios between ICB and SBU is due to the different relationship between FDR and ALA. In ICB, FDR and ALA have a very close relationship, so it can be interpreted that financing expansion is very careful and cannot be too aggressive. Liquidity risk in ICB is greater considering the composition of more diverse deposits. In SBU, FDR and ALA do not have a relationship
Keyword: Islamic Banking, Liquidity Islamic Bank, Financial Performance, Macroeconomics, NARDL

Judul: Penyusunan Overlap Graph menggunakan Suffix Tree pada DNA Sequence
Abstrak: The DNA sequence assembly is very important in genome analysis. This step aims to reconstruct contigous DNA fragment (contigs) from short fragment by concatenating fragments based on the overlap region among them. This method employs overlap graph for solving the problems. In this graph, nodes represent fragments and edges represent overlap. This research developed a software for constructing overlap graph using suffix tree. The evaluation was conducted by measuring the number of nodes, number of edges, and the execution time in many values of minimum overlap. The minimum overlap is defined as the minimum length of substring which is considered as the overlap region between two fragments. The evaluation results showed that the number of nodes, the number of edges, and the execution time were increased with the decreasing of the minimum overlap value.
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