Judul: Faktor-faktor yang Memengaruhi Perubahan Skala Usaha Mikro Kecil (Studi Kasus: Nasabah PT. BPRS Bina Rahmah).
Abstrak: Usaha Mikro Kecil (UMK) memiliki peran penting dalam pembangunan ekonomi nasional. Permasalahan utama dalam pengembangan UMK adalah keterbatasan modal. BPRS merupakan bank pembiayaan syariah yang berperan dalam memenuhi kebutuhan modal dan mengembangkan usaha UMK. Penelitian ini bertujuan untuk mengidentifikasi kinerja usaha sebelum dan sesudah memperoleh pembiayaan dan menganalisis faktor-faktor yang memengaruhi perubahan skala usaha. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif, uji-t berpasangan, dan regresi logistik. Berdasarkan hasil uji-t berpasangan menunjukkan terdapat perubahan yang signifikan pada kinerja usaha sebelum dan sesudah memperoleh pembiayaan, yaitu terjadi peningkatan pada rata-rata omzet, aset, keuntungan, pengeluaran, dan jumlah tenaga kerja. Berdasarkan 60 responden, sebesar 21.67 persen mengalami peningkatan skala usaha dengan 92.3 persen adalah usaha yang naik kelas dari mikro ke kecil dan 7.7 persen adalah usaha yang naik kelas dari kecil ke menengah. Hasil analisis regresi logistik menunjukkan bahwa perubahan skala usaha dipengaruhi oleh variabel besar pembiayaan, lama usaha, dan jumlah tenaga kerja.
Keyword: BPRS, pembiayaan, skala usaha, UMK

Judul: Faktor-faktor yang Memengaruhi Perkembangan Skala Usaha Mikro Kecil dan Menengah di BPRS Amanah Ummah
Abstrak: Salah satu kendala UMKM untuk berkembang adalah modal. Namun, tidak semua UMKM dapat memanfaatkan modalnya dengan baik. Penelitian ini bertujuan untuk mengidentifikasi kinerja UMKM sebelum dan sesudah pembiayaan, dan melihat faktor yang memengaruhi perubahan skala usaha, Hasil analisis data menunjukan hanya 21.67 persen unit usaha yang mengalami peningkatan skala usaha dan 78.33 persen unit usaha mengalami penurunan, sementara hasil analisis regresi logistik menunjukkan bahwa variabel besaran pembiayaan, lama pendidikan, lama usaha, jumlah tenaga dan jumlah aset usaha secara signifikan mempengaruhi perubahan skala usaha.
Keyword: BPRS, pembiayaan, skala usaha, UMKM

Judul: Characteristic of Overshooting Top (OT) Based on  Himawari  8  Satellite  as  a  Convective  Cloud  Feature  that  Generates  Extreme Weather in the Java Island Region
Abstrak: Overshooting Top (OT) is a feature at the top of a convective cloud that is associated with extreme weather. Research on OT in tropical Indonesia is still very limited. The existence of geostationary satellites with wide area coverage and fast frequency observations is useful for observing the fast dynamics of the OT life cycle. Therefore, this study intends to analyze the relationship between OT and extreme weather, updraft and thermodynamic conditions of OT when extreme weather occurs, the best objective method for detecting OT in the day time and night time, and the spatiotemporal distribution of OT in the tropical region of Java Island during the 2018-2021 period. Based on visual analysis using visible channel and Himawari 8 sandwich products, 87% of extreme weather events in Java were accompanied by the appearance of OT. It indicates that the presence of the OT pattern is a convection cloud pattern or feature that is closely related to extreme weather events for the Java Island region. The existence of a time lag between the appearance of OT and extreme weather events on Java Island indicates that the OT of convection cloud can be used as a precursor or nowcasting for the appearance of extreme weather. Most of the convective cloud OT features during extreme weather events on Java Island have altitude that were only able to exceed the altitude of the equilibrium level and few were able to exceed the tropopause level of 9 km – 16 km. The difference in atmospheric conditions during extreme weather events on Java Island, which is in the tropics and subtropics, is a strong and unstable convective energy condition characterized by a larger CAPE, as well as unstable KI, LI, SI and TTI values. It is offset by kinematic factors in the form of a weak vertical wind shear (bulk wind shear 0-6 km) and a higher freezing point height. The difference between extreme weather events in the Java Island region and other tropical regions compared to subtropical regions is the strong updraft speed of convection clouds. The IRW Texture COMB algorithm based on the IRW-Texture Gradient modification and the COMB algorithm shows a significant increase in quality for detecting OT and non-OT pixels in Java. Rainy days with rainfall > 50 mm/day are very common in areas with an altitude of > 500 m. On the other hand, the level of convection activity which is indicated by the presence of OT and lightning is significantly reduced in this area. OT of convective clouds appear more frequently during the DJF season and less frequently during the JJA season. OT often appears during the day time and rarely at night time. Most OTs appear in the central part, away from the south and north coasts of Java Island during the day, while OTs that appear near the south and north coasts of Java Island can appear in the morning or afternoon.
Keyword: convective clouds, extreme weather, Overshooting Tops, Himawari 8 Satellite