Assessing Financial Risk and Regional Macroeconomic Influence to Islamic Rural Bank Performance

Islamic Rural Bank must deal with internal and external risks which will affect to the performance of the bank. This paper aims to assess the internal and external risks that influence to the bank performance. By adopting panel data analysis, the paper analyzes 21 biggest Islamic rural bank which as a representative of 21 provinces around Indonesia during 2013-2017 which result 420 observation period. Furthermore, Return on Asset (ROA) are utilized as dependent variable which represents Islamic rural bank\u27s performance. As independent variables, Non-Performing Financing (NPF) and Capital Adequacy Ratio (CAR) are applied as internal risk in Islamic rural bank. To analyze external risk, regional macroeconomic factors, Regional Economic Growth (REG) and Regional Inflation (RInf) are employed then Total Asset of Islamic rural bank (Size) is also used as complementary variable. Based on the analysis, this study finds that SRB has robust risk management through internal and external risk. However, REG has significant ROA that explains the performance of Islamic rural bank will depend on regional economic growth in each province

Pengaruh Pengetahuan Audit, Independensi dan Pengalaman Auditor terhadap Kualitas Hasil Audit Investigasi pada Auditor Inspektorat Jenderal Kementrian Keuangan

: In order to guarantee the quality of audit results, has been set Auditing Standards. This research aims to determine the influence of audit knowledge, independence and auditor\u27s experience to quality of audit investigation. In this research, independent variables are audit knowledge, independence, and auditor\u27s experience and the dependent variable is quality of audit investigation. The method used is a technique of analysis by method of Ordinary Least Squares with mutiple linier regression. This research uses primary data by using a questionnaire to collect auditor\u27s perception of the variables tested. The samples taken are 130 auditors in Inspectorate General of the Ministry of Finance. The results of this study explains that: (1) Three independent variables have a significant influence on the dependent variable simultaneously; (2) There is a significant influence on variables of audit knowledge toward quality of audit investigation partially; (3) There is a significant influence on variables of auditor\u27s independence toward quality of audit investigation partially; (4) There is a significant influence on variables of auditor\u27s experience toward quality of audit investigation partially

Ovarian Dynamic in Ongole Grade Cattle After GnRH Injection in Ovsynch Protocol Based on Progesterone Device

PO cattle have weaknesses to show clear estrus signs which cause difficulty in artificial insemination implementation. The present study was designed to obtain ovarian dynamic as effect of GnRH injection in ovsynch protocol based on progesterone intravaginal device. Heifers (18) and cows (n= 12) were allocated to one of three groups. Cuemate-PGF2α (CP) group inserted with a Cuemate on day 0-7 and injected with prostaglandin on day 7. Cuemate-PGF2α-GnRH (CPG) group was treated as CP group with the addition of GnRH injection on day 9. GnRH-Cuemate-PGF2α-GnRH (GCPG) group was treated as CPG group with addition of GnRH injection on day 0. Ultrasonography was performed on days 0-3, day 7 until ovulation and 7 days after ovulation. Percentage of ovulation synchronization increased significantly (P<0.01) between CP, CPG, and GCPG, respectively, both in heifers (16%, 50%, and 85%, respectively) and cows (0%, 60%, and 100%, respectively), on day 11. Preovulatory follicle diameters between CP, CPG, and GCPG treatments were not different significantly both in heifers (11.9±0.5, 11.9±0.5, and 12.1±0.6 mm, respectively) and cows (11.7±0.4, 11.8±0.7, and 11.1±0.6 mm, respectively). This study concluded that GCPG protocol increased the synchrony of ovulation rate both in cows and heifers, without affecting the follicle preovulatory and CL diameters

BISAIN APP AS A SOLUTION OF SHARIA FUNDING FOR SMES IN INTEGRATED SYSTEM

Indonesia has named as a country with the fourth largest population in the world, which reaching 267 million peoples. In fulfilling its economic activities, one of the Indonesian people's businesses is opening a small and medium-sized business. In 2018, there were a number of Indonesian SMEs, which reached 59.2 million SMEs. Every SMEs actor needs a capital boost to proclaim his business. Besides that, investors also want to invest their money to make a profit. Since this very potential market, make a strong reason for the establishment of BisaIn App as an application that connects between SMEs actors and investors with sharia principles. With sharia principles, every transaction that is carried out will guarantee transactions that are transparent, safe, legal, profitable and lawful. The government through the Financial Services Authority (FSA) will also guarantee from every transaction for all parties. This App platform will also increase funding alternatives for developing SMEs business as well as supporting the government to expedite the SMEs business community by utilizing the industry era 4.0 in the Non-Bank Financial Industry sector

Pengaruh Sistem Komputerisasi terhadap Kinerja Karyawan Front Office Department di Planet Holiday Hotel & Residence Batam

The development of technology has affected the service business to be able to compete in improving the quality service to the guest. The computerized system has been proven to help companies to launch operational work of its employees. This study aims to determine the significant effect of computerized system on the performance of front office department employees at Planet Holiday Hotel & Residence Batam, and to know the responses of front office department employees who use computerized system. The research method used in this research is quantitative descriptive approach. The data obtained from the results of questionnaires given to respondents and interview as many as 17 people with a census sampling technique which is front office department employees. The hotel uses a computerized system to help running smooth the operational work of its employees in serving guests due to the development and use of technology that is evenly to increase the competition with other hotels as well. From the results of the processed questionnaires, observations, and interviews it can be seen that there is a significant influence between computerized system on the performance of front office department employees at Planet Holiday Hotel & Residence Batam, with the influence of variables of 69.3%. As well as employee responses using computerized systems, prove that the system used is very helpful in completing the work so as to produce good performance

Monitoring of Physiological and Parasites Status of Bawean Deer (Axis Kuhlii) in Its Habitat as a Baseline for Wildlife Conservation Endeavor

The research on physiological and reproduction status of Bawean deer (Axis kuhlii) in its habitat has been conducted, to understand and to find out as a basic information on Bawean deer (Axis kuhlii) in its habitats abaseline data for wildlife conservation efforts. The deer is categorized as an endangered animal, therefore, more attention was given toward Bawean deer conservation. Habitat changes, loss of habitat, fragmentation and illegalhunting might caused the wild animals become more marginalized and the populations have been declined. Therefore, it is needed to have research as an effort to save Bawean deer in its natural habitat. This research activity covered monitoring on physiological and reproduction status, and also the examination of deer's feces samples was parasite coprological data that serve as a basic consideration data in conservation and determination of Bawean deers health in the nature and/or conservation. The research was done in Bawean Island, Gresik and East Java, by taking faces of Bawean deers in the nature and conservation. Data gathering of physiological and reproduction status were done by examining deer's condition, either directly in conservation or in its habitat, and also by interviewing people around the forest. The data on physiological status, behavior monitoring, reproduction status, faces samples, blood, food analysis, and interview result were analyzed descriptively. Some worm eggs were found during feces examination, those were Strongyl, Strongyloides sp, Trichuris sp, Fasciola gigantica and Oocysta coccidia. The result showed that the same parasites were found in the cattle and goat raised by people around in the vicinity of the forest, meaning, there was an interaction between wildlife andlivestock. According to the result, it is needed to monitor the physiological status of Bawean deers routinely since Bawean deers is classified as endangered species

“Baganisasi” Di Perairan Pulau Sebatik Dalam Mengatasi Illegal Fishing (“Baganisasi” in the Sebatik Island Waters on Combating Illegal Fishing)

Perairan Pulau Sebatik dan sekitarnya kerap dimasuki oleh armada tangkap Malaysia yang menggunakan alat tangkap trawl skala besar. Selain kerugian ekonomi, praktik-praktikillegal fishing tersebut telah merusak ekosistem laut dan sumber daya ikan. Oleh karena itu, tujuan penelitian ini adalah mengkaji akar permasalahan illegal fishing di wilayah perairanPulau Sebatik dan menganalisis kebijakan baganisasi yang dilaksanakan oleh pemerintah pusat dan pemerintah daerah sebagai upaya pemberantasan illegal fishing. Penelitian ini merupakan penelitian deskriptif analitis, yang menggunakan analisis kuantitatif dan kualitatif. Berdasarkan analisa dihasilkan bahwa illegal fishing di wilayah perairan Pulau Sebatik disebabkan oleh: (a) rendahnya patroli laut; dan (b) dan lemahnya koordinasi aparat penegak hukum. Sementara kebijakan baganisasi berdampak positif, karena: (a) menghambat masuknya nelayan asing; (b) menunjukkan penguasaan perairan oleh Republik Indonesia; dan (c) kapalTentara Angkatan Laut Negara lain segan masuk ke wilayah perairan Pulau Sebatik dan sekitarnya

Manajemen Alumni di Pondok Pesantren Modern dan Salaf (Studi di Pondok Pesantren Nurul Jadid dan Pondok Pesantren Sidogiri)

The aim of this research is describing (1) alumni's profile of address and proffession, (2) management of alumnus that include planning, organizing, development of alumnus, alumnus empowering, and evaluation, (3) network building of alumnus communication at Pondok Pesantren Nurul Jadid and Pondok Pesantren Sidogiri. `By means qualitative, the research found (1) location, vision, institute, and facilities of pesantren is influencing to spreading and proffession of alumnus; (2) management of alumnus are preparing alumnus candidate, encoding, planning program, developing alumnus, empowering alumnus, and evaluating; (3) network building of alumnus is built by organisation and personal.Tujuan penelitian ini adalah untuk mendeskripsikan 1) profil alumni yang berkaitan dengan tempat bermukim dan profesi alumni, 2) manajemen alumni yang mencakup perencanaan, pengorganisasian, pengembangan alumni, pemberdayaan alumni, dan evaluasi, 3) pembangunan jaringan alumni di Pondok Pesantren Nurul Jadid dan Pondok Pesantren Sidogiri. Melalui penggunaan metode kualitatif, penelitian ini menemukan: 1) letak, tujuan, pendidikan, dan fasilitas pesantren memengaruhi keberasalan dan profesi alumni; 2) manajemen alumni terdiri dari penyiapan calon alumni, pendataan, perencanaan program, pengembangan alumni, pemberdayaan alumni, dan evaluasi; 3) jaringan komunikasi alumni dibangun secara organisatoris dan personal

Stabilitas Statis Kapal Static Gear Di Palabuhanratu (Studi Kasus Km Psp 01)

This paper discusses on the static stability performance of a fishing vessel operated static fishing gear. A fishing boat named as KM PSP 01 was chosen as an object of this research. The objectives of this research were to analyze the static stability performance and work comfortability aboard the vessel. The result showed that KM PSP 01 was good enough for operating static fishing gear, the static stability of the boat is considered to be good with enough righting arm to upright the boat after roll to certain maximum angle. Hull of the boat considered as slim. Short rolling period i.e. 3.467 sec. considered as not so comfortable for working on deck but still safe in fishing operation