Judul: Factors Influencing MSE Actors in Saving at KSPPS Benteng Mikro Indonesia. Supervised, Factors Influencing MSE Actors in Saving at KSPPS Benteng Mikro Indonesia. Supervised
Abstrak: Nilai tabungan nasabah KSPPS Benteng Mikro Indonesia (BMI) mengalami peningkatan tahun 2019-2022 saat pandemi Covid-19. Pandemi sebagai indikasi krisis yang dampaknya dirasakan oleh sektor usaha tetapi tabungan dan keanggotaan di KSPPS BMI tetap bertambah.Tujuan penelitian ini untuk mengetahui faktorfaktor yang memengaruhi pelaku usaha mikro dan kecil (UMK) dalam menabung di BMI. Penelitian dilakukan pada Mei–Juni 2023. Metode yang digunakan adalah analisis faktor. Hasil analisis menunjukkan bahwa faktor promosi, pelayanan, kredibilitas lembaga, persepsi, pendapatan, dan lokasi diterima sebagai faktor (MSA>0,5) yang memengaruhi pelaku UMK dalam menabung. keenam factor tersebut diuji dengan rotated component matrix membentuk dua faktor baru, yaitu kredibilitas lembaga, bauran antara kredibilitas lembaga dan lokasi. Lokasi strategis menjadi indikator kredibilitas lembaga, sedangkan promosi dibentuk oleh promosi, persepsi, dan pelayanan., The value of KSPPS Benteng Mikro Indonesia (BMI) customer savings has increased in 2019-2022 during the Covid-19 pandemic. The pandemic is an indication of a crisis whose impact is being felt by the business sector but savings and membership in KSPPS BMI continue to increase. The purpose of this study was to determine the factors that influence micro and small entrepreneurs (UMK) in saving at BMI. The research was conducted in May–June 2023. The method used is factor analysis. The results of the analysis show that promotion, service, institutional credibility, perception, income, and location are accepted as factors (MSA>0.5) that influence MSEs in saving. The six factors are tested using a rotated component matrix to form two new factors, namely institutional credibility, the mix between institutional credibility and location. Strategic location is an indicator of institutional credibility, while promotion is shaped by promotion, perception and service.
Keyword: Factor Analysis, KSPPS, KSPPS BMI, Savings, and MSEs

Judul: Faktor-faktor yang memengaruhi aset usaha pelaku usaha mikro kecil (Studi Kasus: Nasabah PT. BPRS Sukowati Sragen)
Abstrak: Usaha mikro dan kecil (UMKM) merupakan salah satu sektor yang sangat penting bagi perkembangan perekonomian negara khususnya Indonesia. Salah satu faktor yang mempengaruhi pertumbuhan Skala Usaha UKM di Indonesia adalah permodalan. BPRS merupakan salah satu perbankan syariah yang berperan dalam mendukung perkembangan sektor Usaha Mikro Kecil dan Menengah (UMKM). Penelitian ini bertujuan untuk mengidentifikasi karakteristik nasabah pembiayaan PT. BPRS Sukowati Sragen dan menganalisis faktor-faktor yang memberikan pengaruh aset usaha pelaku nasabah pembiayaan PT BPRS Sukowati. Sampel pda penelitian ini sebnayak 83 responden.Metode yang digunakan dalam penelitian ini adalah analisis deskriptif, uji-t berpasangan, dan regresi Linier Berganda. Berdasarkan hasil uji-t berpasangan menunjukkan variabel Modal awal usaha memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM. Variabel Besar pembiayaan memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM.variabel Lama Pendidikan memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM. Variabel Lama Usaha memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM.Variabel Jumlah Pekerja tidak memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM.Variabel Omzet memiliki pengaruh signifikan terhadap Aset Usaha pelaku UMKM. Variabel Modal awal usaha Besar pembiayaan, Lama Pendidikan, Lama Usaha, Jumlah Pekerja, Omzet memiliki pengaruh secara simultan terhadap Aset Usaha pelaku UMKM, Micro and small enterprises (MSMEs) are a sector that is very important for the development of the country's economy, especially Indonesia. One of the factors influencing the growth of SME Business Scale in Indonesia is capital. BPRS is one of the sharia banks that plays a role in supporting the development of the Micro, Small and Medium Enterprises (UMKM) sector. This study aims to identify the characteristics of the financing customers of PT. BPRS Sukowati Sragen and analyzes the factors that influence the business assets of the financing customers of PT BPRS Sukowati. The sample of this research is 83 respondents. The method used in this research is descriptive analysis, paired t-test, and multiple linear regression. Based on the results of the paired t-test, it shows that the initial capital variable has a significant effect on the business assets of MSME players. The size of the financing variable has a significant influence on the business assets of MSME actors. The length of education variable has a significant effect on the business assets of MSME actors. The length of business variable has a significant effect on the business assets of MSME actors. The variable number of workers does not have a significant effect on the business assets of MSME actors. The turnover variable has a significant influence on the business assets of MSME players. The variables of initial capital financing, length of education, length of business, number of workers, turnover have a simultaneous influence on the business assets of MSME actors.
Keyword: BPRS, Pembiayaan, Aset Usaha, UMK

Judul: Hamiltonian formulation for linear waves motion in two layers fluid
Abstrak: The surface wave could be considered as a wave that separates two fluids, namely water and air. Based on this assumption, it is introduced the interfacial wave, a wave between two layers of fluid with different density. The formulation of interfacial waves motion begins with deriving the base equation of irrotational ideal fluid. Furthermore, according to irrotational fluid assumption, the base equation can be stated in velocity potential. In this derivation, the fluids domain is assumed to be restricted by rigid lid boundary conditions, both at the upper and lower limit. Therefore, the interfacial waves motion can be explained in a hamiltonian formulation. In the hamiltonian formulation, total energy is defined as the sum of kinetic and potential energy. The hamiltonian system is obtained from reduction of kinetic energy by using the Dirichlet Neumann Operator. The resulted kinetic energy equation is nonlinear. Therefore, this form is linearized by first part of the Taylor expansion. This linearization gives a dispersion relation of linear wave. Based on this dispersion relation, the phase speed of the linear wave depends on the density ratio of the two layers fluid.
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