Analisi Peluang dan Tantangan Pelaksanaan Kewajiban Spin-Off Unit Usaha Syariah Menjadi Bank Umum Syariah

Berdasarkan UU No.21 tahun 2008, setiap Unit Usaha Syariah wajib spin-off menjadi Bank Umum Syariah jika telah memenuhi persyaratan tertentu, ketentuan wajib spin-off tersebut bertujuan untuk meningkatkan market share perbankan syariah di Indonesia. Dengan adanya undang-undang tersebut maka kedepanya BUS merupakan satu-satunya modus operasional perbankan syariah di Indonesia. Tentunya dalam prosesnya terdapat peluang dan tantangan yang harus dihadapi oleh setiap UUS yang melaukan spin-off menjadi BUS. Penelitian in bertujuan untuk mengetahui peluang dan tantangan yang dihadapi BNI Syariah ketika spin-off menjadi BUS. Penelitian ini bersifat deskripstif dengan pendekatan kualitatif proses pengumpulan data yang dilakukan dengan cara wawancara dan kajian pustaka. Hasil dari penelitian ini menunjukan bahwa proses spin-off pada BNI Syariah didorong oleh pentingnya melakukan spin-off sebagai alternatif strategi menghadapi perkembangan bisnis yang semakin ketat. Adapun faktor-faktor yang mendukung proses terjadinya spin-off antara lain : 1) faktor eksternal berupa dukungan dari regulator dan pemerintah, pertumbuhan perbankan syariah yang semakin baik, dan tingkat kesadaran dan preferensi masyarakat terhadap bank syariah yang semakin tinggi. 2) faktor internal meliputi ketentuan corporate plan BNI Syariah yang sejak awal berdirinya merencanakan spin-off , tingginya perkembangan market share BNI Syariah, dan kesiapan serta kapasitas yang mencukupi karena berpengalaman selama 9 (sembilan) tahun mengelola UUS. Sedangkan tantangan yang dihadapi adalah; sosialisasi nasabah, pemisahan neraca laba rugi dan perpajakan, pemisahan IT dan membentuk culture bank bar

Flow distribution analysis of a novel fcc system through experiment study and atomic model

As the largest palm oil producer in the world, Indonesia has a promising potential to produce green fuel through the Fluid Catalytic Cracking (FCC) process. A novel FCC configuration, FCC Proto X 3, which combines a riser reactor and downer reactor in the system, has been developed. However, several valves including in the FCC system remain a black box to the flow distribution in the system. The objective of this paper is to investigate the effect of the valve setting variation on the airflow distribution of the FCC system. The methodology uses experiment and acausal modeling. The effect of valve setting variation on pressure and average velocity of the airflow has been investigated. The experiment is conducted under cold test conditions, while the acausal model of the FCC system is built by using OpenModelica. It is obtained that valve 2 which controls the flow at the channel toward the regenerator is essential due to its role in controlling the air supply combustion process in the regenerator and driving the spent catalyst particles to the regenerator. Valve 3 is responsible for controlling the flow toward the riser reactor directly. Later, it is responsible for supplying the lifting fluid to support the catalytic cracking reaction at the riser sections. Valve 4 contributes to controlling the lifting fluid to the downer reactor. It will also be responsible for supplying thermal energy from the high-temperature particle catalyst to the reactor. When all valves toward the regenerator and reactor are 100 % open, the measured average velocity at the flue gas outlet and the product outlet are 8.04 m/s and 5.775 m/s respectively. The result shows that the airflow at the FCC system tends to flow through the regenerator. The atomic model estimation also shows a similar trend to the experiment resul

MULTIMEDIA LEARNING FOR WUDHU AND SHOLAT PROCEDURES ANDROID BASED AT TK PERTIWI 01 SERANG

Wudhu is one way to purify oneself from uncleanness and suffering. Performing ablution perfectly in accordance with Islamic Shari'a is the key to receiving prayer. The introduction of religious activities such as ablution and prayer from an early age is considered necessary. Learning ablution and prayer is usually done by parents repeatedly and by example. In one study, 8 out of 10 children aged 5-6 years did not recognize ablution when they were praying. The method of developing multimedia systems by Luther-Sutopo is one of the system development methods used by multimedia application developers. Therefore it will be built an Android operating learning media that uses Adobe Flash technology to display an animated image, motion, and audio in a 2-dimensional form. This learning media will display 2-dimensional objects of ablution movements, namely intentions, washing both feet and prayer after ablution, and prayer movements from beginning to end and added a few daily prayers. The results of this study are in the form of learning applications for ablution and five-time prayer based on Android. In this application using elements of text, images, animations, and sounds to attract and make it easier for children to remember lessons on how to perform ablution and prayer and various kinds of daily prayers

Reliability of graphene as charge storage layer in floating gate flash memory

This study aims to investigate the memory performances of graphene as a charge storage layer in the floating gate with difference doping concentration of n-channel and p-channel substrates using Silvaco ATLAS TCAD Tools. The simulation work has been done to determine the performance of flash memory in terms of memory window, P/E characteristics and data retention and have been validated with the experimental work done by other researchers. From the simulation data, the trend of memory window at low P/E voltage is nearly overlapped between simulation and experimental data. The memory window at ±20V P/E voltage for n-channel and p-channel flash memory cell are 15.4V and 15.6V respectively. The data retention for the n-channel flash memory cell is retained by 75% (from 15.4V to 11.6V) whereas for the p-channel flash memory cell is retained by 80% (from 15.6V to 12.5V) after 10 years of extrapolation with -1/1V gate stress which shows that p-channel flash memory cell demonstrates better data retention compared to n-channel flash memory cell

Analyzing temperature distribution in pyrolysis systems using an atomic model

Pyrolysis is a complex energy conversion reaction due to the multiple stages of the process, the interaction of kinetics, mass and heat transfer and thermodynamics. The feedstock, temperature, heating rate, residence time, and reactor design are only a few factors that might impact the final product during the pyrolysis process. This study focuses on the temperature analysis of pyrolysis with sheep manure as feedstock, which includes reactor, pipes and condenser. The examination of the temperature distribution within a pyrolysis system can contribute to the preservation of product quality, the maintenance of heat balance, and the enhancement of energy efficiency. Based on the analysis, the degradation temperature of sheep manure is between 210–500 ℃. Consequently, it is crucial to control the reactor temperature at a desirable temperature that aligns with the degradation temperature of sheep manure. To ensure optimal condensation and maximize bio-oil yield, it is also necessary to control the condenser temperature. This study aims to determine the characteristics of temperature changes in pyrolysis systems using atomic models. The atomic model was built in OpenModelica using the Modelica language. The atomic model was validated with experiment, and it was found that there was a significant difference in reactor temperature. Complex processes occur in the reactor where pyrolysis occurs and various factors can impact the temperature of the reaction. The temperature in the multistage condenser gradually decreases by 1–3 ℃. In the principle of condensation, this temperature drop is considered less than optimal because the cooling fluid in the pyrolysis condensation system is air coolant, which is entirely reliant on ambient temperature. The accuracy of the atomic model is evaluated using error analysis and the mean absolute percentage error (MAPE). A value of 13.6% was calculated using the MAPE. The atomic model can be applied because this value is still within the tolerance range

Impact of COVID-19 on cardiovascular testing in the United States versus the rest of the world

Objectives: This study sought to quantify and compare the decline in volumes of cardiovascular procedures between the United States and non-US institutions during the early phase of the coronavirus disease-2019 (COVID-19) pandemic. Background: The COVID-19 pandemic has disrupted the care of many non-COVID-19 illnesses. Reductions in diagnostic cardiovascular testing around the world have led to concerns over the implications of reduced testing for cardiovascular disease (CVD) morbidity and mortality. Methods: Data were submitted to the INCAPS-COVID (International Atomic Energy Agency Non-Invasive Cardiology Protocols Study of COVID-19), a multinational registry comprising 909 institutions in 108 countries (including 155 facilities in 40 U.S. states), assessing the impact of the COVID-19 pandemic on volumes of diagnostic cardiovascular procedures. Data were obtained for April 2020 and compared with volumes of baseline procedures from March 2019. We compared laboratory characteristics, practices, and procedure volumes between U.S. and non-U.S. facilities and between U.S. geographic regions and identified factors associated with volume reduction in the United States. Results: Reductions in the volumes of procedures in the United States were similar to those in non-U.S. facilities (68% vs. 63%, respectively; p = 0.237), although U.S. facilities reported greater reductions in invasive coronary angiography (69% vs. 53%, respectively; p < 0.001). Significantly more U.S. facilities reported increased use of telehealth and patient screening measures than non-U.S. facilities, such as temperature checks, symptom screenings, and COVID-19 testing. Reductions in volumes of procedures differed between U.S. regions, with larger declines observed in the Northeast (76%) and Midwest (74%) than in the South (62%) and West (44%). Prevalence of COVID-19, staff redeployments, outpatient centers, and urban centers were associated with greater reductions in volume in U.S. facilities in a multivariable analysis. Conclusions: We observed marked reductions in U.S. cardiovascular testing in the early phase of the pandemic and significant variability between U.S. regions. The association between reductions of volumes and COVID-19 prevalence in the United States highlighted the need for proactive efforts to maintain access to cardiovascular testing in areas most affected by outbreaks of COVID-19 infection

PENINGKATAN HASIL BELAJAR SISWA SMP MELALUI MODEL PEMBELAJARAN COOPERATIVE SCRIPT DENGAN PENDEKATAN SAINTIFIK

This study aims to determine the increase in student learning outcomes using the cooperative script learning model with a scientific approach to junior high school students and the cooperative script learning model with a scientific approach has a significant effect on junior high school students. This type of research is experimental research with one group pre-test and post-test design. The population is class VII students of SMPN 2 Kuta Baro. The sample was taken using simple random sampling technique with the sample being selected for class VII.2. Collecting data using a description test. Data analysis using the paired t-test obtained t_count = 5.004 and t_table = 2.08 so that H_1 was accepted so that there was an increase in learning outcomes through the cooperative script model with a scientific approach in junior high school and learning outcomes using the cooperative script learning model with a scientific approach could have an influence better for students during the learning process

Graphene as charge storage layer in floating gate flash memory with high-k tunnel barrier engineering

This study aims to investigate the memory performances of graphene as a charge storage layer in the floating gate with the different type of high-k materials such as silicon nitride (Si3N4), aluminium oxide (Al2O3), hafnium dioxide (HfO2) and zirconium oxide (ZrO2) using Silvaco ATLAS TCAD Tools. The simulation work initially is to validate the experimental work with the simulation data and then determine the performance of flash memory cell with the different type of high-k materials in term of memory window, program and erase characteristics and data retention. The memory window for flash memory cell without high-k material is 15.4V while for the memory window of 1-7nm of silicon dioxide (SiO2)-high-k material of four high-k materials for SiO2-Si3N4, SiO2-Al2O3, SiO2-HfO2 and SiO2-ZrO2 tunnel barrier are 23.0V, 20.0V, 25.4V and 26.0 respectively at the same P-E voltage of 20V programming and erasing voltage. The data retention of four high-k materials shows better data retention from the conventional SiO2. The SiO2-Si3N4, SiO2-HfO2 and SiO2-ZrO2 tunnel barrier are retained by 56 percent (12.88V), 47 percent (11.94V) and 33 percent (8.58V) as compared to conventional SiO2 are retained by 75 percent (11.6V) after 10 years of -1-1V gate stress. SiO2-Al2O3 tunnel barrier with thickness 1-7nm shows an excellent result among others with 83 percent (16.60V) data are retained after 10 years of extrapolation