ANALISIS FAKTOR YANG MEMPENGARUHI DANA PIHAK KETIGA (DPK) PADA BANK UMUM SYARIAH DI INDONESIA

Potensi bank syariah sangat besar mengingat masyarakat Indonesia mayoritas muslim. Namun, Market Share perbankan syariah di industri perbankan nasional masih rendah.Oleh karena itu diperlukan usaha untuk meningkatkan Market Share tersebut salah satunya dari segi kinerja yang indikatornya yakni peningkatan aset diantaranya dapat dilihat dari peningkatan dana pihak ketiga (DPK). Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh inflasi, BI Rate, dan pendapatan bagi hasil terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia. Data yang digunakan adalah data time series periode Januari 2015 – Desember 2016, yang diterbitkan oleh Bank Indonesia dan laporan SPS (Statistik Perbankan Syariah). Penelitian ini menggunakan metode analisis regresi linier berganda. Hasil penelitian dengan menggunakan uji F, menunjukkan bahwa tingkat inflasi IHK, BI Rate, dan pedapatan bagi hasil secara simultan berpengaruh signigfikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia. Sedangkan hasil penelitian dengan menggunakan uji t, menunjukkan bahwa tingkat inflasi IHK secara parsial berpengaruh negative namun tidak signifikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia, BI Rate berpengaruh negative signifikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia, dan pendapatan bagi hasil berpengaruh positif namun tidak signifikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia.---The potential of Islamic banks is very large considering the majority of Indonesian Muslims. However, Sharia Banking Market Share in the national banking industry is still low. Therefore, it is necessary to increase the Market Share, one of them in terms of performance, which indicates that the increase in assets can be seen from the increase of third party funds (DPK). This study aims to examine and analyze the effect of inflation, BI Rate, and revenue-sharing on third party funds at Sharia Commercial Banks in Indonesia. The data used are time series data from January 2015 - December 2016, published by Bank Indonesia and SPS reports (Sharia Banking Statistics). This research use multiple linear regression analysis method. The result of the research using F test shows that the CPI inflation rate, BI Rate, and profit sharing rate simultaneously have significant influence on third party fund at Sharia Commercial Bank in Indonesia. While the result of research by using t test show that CPI inflation rate partially have negative but not significant effect to third party fund at Syariah Commercial Bank in Indonesia, BI Rate has significant negative effect to third party fund at Syariah Commercial Bank in Indonesia, and income for the results have a positive but insignificant impact on third party funds in Syariah Commercial Banks in Indonesia

Why do adult dogs ‘play’?

Among the Carnivora, play behaviour is usually made up of motor patterns characteristic of predatory, agonistic and courtship behaviour. Domestic dogs are unusual in that play is routinely performed by adults, both socially, with conspecifics and with humans, and also asocially, with objects. This enhanced playfulness is commonly thought to be a side effect of paedomorphosis, the perpetuation of juvenile traits into adulthood, but here we suggest that the functions of the different types of play are sufficiently distinct that they are unlikely to have arisen through a single evolutionary mechanism. Solitary play with objects appears to be derived from predatory behaviour: preferred toys are those that can be dismembered, and a complex habituation-like feedback system inhibits play with objects that are resistant to alteration. Intraspecific social play is structurally different from interspecific play and may therefore be motivationally distinct and serve different goals; for example, dogs often compete over objects when playing with other dogs, but are usually more cooperative when the play partner is human. The majority of dogs do not seem to regard competitive games played with a human partner as “dominance” contests: rather, winning possession of objects during games appears to be simply rewarding. Play may be an important factor in sociality, since dogs are capable of extracting social information not only from games in which they participate, but also from games that they observe between third parties. We suggest that the domestic dog’s characteristic playfulness in social contexts is an adaptive trait, selected during domestication to facilitate both training for specific purposes, and the formation of emotionally-based bonds between dog and owner. Play frequency and form may therefore be an indicator of the quality of dog-owner relationships

Risk profiles and one-year outcomes of patients with newly diagnosed atrial fibrillation in India: Insights from the GARFIELD-AF Registry.

BACKGROUND: The Global Anticoagulant Registry in the FIELD-Atrial Fibrillation (GARFIELD-AF) is an ongoing prospective noninterventional registry, which is providing important information on the baseline characteristics, treatment patterns, and 1-year outcomes in patients with newly diagnosed non-valvular atrial fibrillation (NVAF). This report describes data from Indian patients recruited in this registry. METHODS AND RESULTS: A total of 52,014 patients with newly diagnosed AF were enrolled globally; of these, 1388 patients were recruited from 26 sites within India (2012-2016). In India, the mean age was 65.8 years at diagnosis of NVAF. Hypertension was the most prevalent risk factor for AF, present in 68.5% of patients from India and in 76.3% of patients globally (P < 0.001). Diabetes and coronary artery disease (CAD) were prevalent in 36.2% and 28.1% of patients as compared with global prevalence of 22.2% and 21.6%, respectively (P < 0.001 for both). Antiplatelet therapy was the most common antithrombotic treatment in India. With increasing stroke risk, however, patients were more likely to receive oral anticoagulant therapy [mainly vitamin K antagonist (VKA)], but average international normalized ratio (INR) was lower among Indian patients [median INR value 1.6 (interquartile range {IQR}: 1.3-2.3) versus 2.3 (IQR 1.8-2.8) (P < 0.001)]. Compared with other countries, patients from India had markedly higher rates of all-cause mortality [7.68 per 100 person-years (95% confidence interval 6.32-9.35) vs 4.34 (4.16-4.53), P < 0.0001], while rates of stroke/systemic embolism and major bleeding were lower after 1 year of follow-up. CONCLUSION: Compared to previously published registries from India, the GARFIELD-AF registry describes clinical profiles and outcomes in Indian patients with AF of a different etiology. The registry data show that compared to the rest of the world, Indian AF patients are younger in age and have more diabetes and CAD. Patients with a higher stroke risk are more likely to receive anticoagulation therapy with VKA but are underdosed compared with the global average in the GARFIELD-AF. CLINICAL TRIAL REGISTRATION-URL: http://www.clinicaltrials.gov. Unique identifier: NCT01090362

Object play in adult domestic cats: the roles of habituation and disinhibition

We have investigated the role of habituation and disinhibition in the control of object (predatory) play by adult domestic cats Felis silvestris catus both with and without prior experience of hunting. We hypothesised that object play is terminated by rapid habituation to the sensory characteristics of the object played with, and therefore should be disinhibited if the sensory characteristics of the object are changed. Three sequential sessions of play with an unchanging object (a toy) caused almost complete habituation of the play response; replacing the toy with one of contrasting colours in a fourth session elicited intense disinhibited play, suggesting that motivation for play itself had not diminished substantially during the first three sessions. The time interval between sessions affected the extent of disinhibition. After a long delay (25-45 min) between each session play was less intense in the fourth session than in the first; if the interval was 5 min, it was more intense, indicative of post-inhibitory rebound, possibly caused by initial positive feedback of play on its own performance. We suggest that object play by adult cats is controlled by two mechanisms derived from predatory behaviour: one responds to prey-like stimulus characteristics, such as texture and small size, which elicit play, while the second detects change in the toy. The behavioural default towards any object is initial interest if it possesses relevant stimulus characteristics, followed by rapid habituation unless these stimulus characteristics change

Evidence suggesting preadaptation to domestication throughout the small Felidae

One obstacle in the development of a coherent theoretical framework for the process of animal domestication is the rarity of domestication events in human history. It is unclear whether: (1) many species are suitable for domestication, the limiting factor being the requirement of people for new domestic animals; or (2) very few species are preadapted for domestication. Comparisons between 16 species and subspecies of small cats (Felidae) kept in zoos indicated that affiliative behaviour towards people, an important preadaptation to domestication, is widely, if patchily, distributed throughout this taxon, and is not concentrated in species closely related to the domestic cat, Felis silvestris catus. The highest proportion of individuals showing affiliative behaviour was found in the ocelot lineage, which is estimated to have diverged from the rest of the Felidae between 5 and 13 Mya. The domestication of F silvestris alone among felids is therefore likely to have been the result of a specific set of human cultural events and requirements in the Egyptian New Kingdom, rather than the consequence of a unique tendency to tameness in this subspecies

Food selection by the domestic cat, an obligate carnivore

The domestic cat Felis silvestris catus is the most accessible member of the family Felidae for the study of the relationship between food selection and nutrition. In contrast to pack-living animals such as the dog, and opportunistic omnivores such as the rat, the cat is generally able to maintain its normal body weight even when allowed ad libitum access to palatable food by taking small meals and adjusting intake according to the energy density of the food(s) available. The most extreme adaptations to carnivory discovered to data lie in the taste buds of the facial nerve, which are highly responsive to amino acids and unresponsive to many mono- and disaccharides. Preferences for particular foods can be modified by their relative abundance, their novelty, and by aversive consequences such as emesis: the mechanisms whereby these are brought about appear to be similar to those used by omnivorous mammals