Analisis pelaksanaan pembiayaan murabahah dengan jaminan hak tanggungan di BPRS Suriyah Semarang

BPRS Suriyah merupakan lembaga intermediasi penghimpun dana dari masyarakat yang mempunyai kelebihan dana (surplus) dan menyalurkan kembali kepada masyarakat yang kekurangan dana (defisit). Salah satu dari produk pembiayaan di BPRS Suriyah adalah pembiayaan murabahah. Pembiayaan murabahah merupakan pembiayaan dengan akad jual beli (ba’i). Dalam menyalurkan pembiayaan murabahah, BPRS Suriyah mewajibkan nasabah untuk memberikan sesuatu untuk dijadikan jaminan. Jaminan yang cukup banyak di pakai oleh nasabah yang melakukan pembiayaan murabahah di BPRS Suriyah adalah jaminan hak tanggungan. Jaminan hak tanggungan merupakan jaminan atas tanah beserta benda yang menjadi satu kesatuan dengan tanah tersebut. Rumusan masalah yang akan penulis teliti adalah bagaimana pelaksanaan pembiayaan murabahah dengan jaminan hak tanggungan di BPRS Suriyah Semarang dan bagaimana masalah yang terjadi dalam pelaksanaan pembiayaan murabahah dengan jaminan hak tanggungan serta solusi penanganannya. Metodologi penelitian yang digunakan untuk mengumpulkan data yaitu melalui observasi, wawancara dan dokumentasi. Sedangkan metode analisisnya menggunakan metode deskriptif analisis yakni dengan mengambarkan sesuatu dari data variabel yang di peroleh dari BPRS Suriyah Semarang. Pelaksanaan pembiayaan murabahah dengan jaminan hak tanggungan di BPRS Suriyah Semarang ada 3 tahap, yakni tahap pembuatan akad pembiayaan, tahap pengikatan objek jaminan dengan hak tanggungan, serta tahap pendaftaran dan penerbitan sertifikat hak tanggungan oleh Badan Pertanahan Nasional. Permasalahan yang terjadi dalam pelaksanaan pembiayaan murabahah dengan jaminan hak tanggungan adalah permasalahan pada objek yang di ikat hak tanggungan dan permasalahan nasabah dalam pengembalian pembiayaan murabahah

An epidemiological study of diabetes mellitus in dogs attending first opinion practice in the UK

This study aimed to estimate the prevalence of canine diabetes mellitus (DM) in primary-care clinics in England, to identify risk factors associated with DM and to describe the survival of affected dogs. Cases of DM were identified within the electronic patient records of 89 small-animal practices. A nested case–control study identified risk factors for the diagnosis of DM using logistic regression models. Cox proportional hazards models were used to analyse variables associated with survival. Four-hundred and thirty-nine canine DM cases were identified, giving an apparent prevalence of 0.34% (95% CI 0.31% to 0.37%). Neutered males were at an increased risk of diabetes compared with entire males, whereas neutering was not associated with DM in females. When compared with crossbred dogs, Yorkshire terriers had increased odds, whereas German shepherd dogs and golden retrievers had lower odds of DM. Being classified as overweight and having a diagnosis of pancreatitis, hyperadrenocorticism or a urinary tract infection were positively associated with DM. Older dogs and those diagnosed with pancreatitis had a higher hazard of death, whereas insured and neutered dogs had a lower hazard. This study provides an objective assessment of canine DM using primary-care veterinary practice data and is a valuable benchmark against which future epidemiological trends in DM can be assessed and improvements in the management of DM in primary-care practice can be judged

Effect of whey protein isolate on rehydration after exercise

Studies have examined adding protein to carbohydrate-electrolyte rehydration drinks, but the effects of protein in isolation remain unknown. Ten subjects completed two trials in which they were dehydrated (~2% of pre-exercise body mass) by intermittent cycling in the heat. Subjects then rehydrated (150% total mass loss) over 1 h with mineral water (W) or mineral water plus 20 g·L-1 whey protein isolate (WP) and remained in the laboratory for a further 4 h. Blood and urine samples were provided pre-exercise, post-exercise, post-rehydration and every hour thereafter. From blood samples, serum osmolality, change in plasma volume and plasma albumin content was determined, whilst the volume and osmolality of urine samples were determined. There was no difference between trials for total urine volume (W: 1234 (358) mL; WP: 1306 (268) mL; P=0.409), drink retention (W: 40 (14) %; WP: 37 (14) %; P=0.322) or net fluid balance (W: -605 (318) mL; WP: -660 (274) mL; P=0.792) 4 h post-rehdyration. Plasma volume was greater 3 and 4 h post-drinking during WP and plasma albumin content relative to pre-exercise was increased 1-4 h post-drinking in WP only. These results suggest addition of 20 g·L-1 whey protein isolate neither enhances nor inhibits post-exercise rehydration, when a volume equivalent to 150% of sweat losses is ingested in 1 h. As post-exercise nutritional requirements are multifactorial (rehydration, glycogen resynthesis, myofibrillar/ mitochondrial protein synthesis), these data demonstrate that when post-exercise protein intake might benefit recovery or adaptation, this can be achieved without compromising rehydration

Prevalence of and risk factors for degenerative mitral valve disease in dogs attending primary-care veterinary practices in england

Background To date, epidemiological studies on degenerative mitral valve disease (DMVD) in dogs have largely reported referral caseloads or been limited to predisposed breeds. Analysis of primary‐care data to identify factors associated with DMVD would help clinicians identify high‐risk individuals and improve understanding. Objectives To estimate the prevalence of and identify risk factors for DMVD in dogs attending primary‐care veterinary practices in England. Animals Cases were identified within the electronic patient records of 111,967 dogs attending 93 practices. Four hundred and 5 dogs were diagnosed with DMVD (diagnosed cases) and a further 3,557 dogs had a heart murmur (HM) consistent with DMVD (possible cases). Methods Retrospective cross‐sectional study design. Prevalence was adjusted for the sampling approach. Mixed effects logistic regression models identified factors associated with DMVD. Results Prevalence estimates of diagnosed DMVD and HMs consistent with DMVD (both diagnosed and possible cases) were 0.36% (95% confidence interval [CI]: 0.29–0.45) and 3.54% (95% CI: 3.26–3.84) respectively. In the multivariable analysis, males had higher odds of diagnosed DMVD than did females (odds ratio [OR] 1.40, 95% CI: 1.12–1.74). Insured dogs had increased odds of DMVD compared with noninsured dogs (OR 3.56, 95% CI: 2.79–4.55) and dogs ≥20 kg had approximately half the odds of DMVD diagnosis compared with dogs(OR 0.51, 95% CI: 0.36–0.74). Strong associations between a DMVD diagnosis and individual breeds and age were identified. Conclusions and Clinical Importance Degenerative mitral valve disease was a common disorder in practice‐attending dogs. Knowledge of identified risk factors for DMVD could improve clinical diagnosis and direct future research

Second-Row Transition-Metal Doping of (ZniSi), i = 12, 16 Nanoclusters: Structural and Magnetic Properties

TM@ZniSi nanoclusters have been characterized by means of the Density Functional Theory, in which Transition Metal (TM) stands from Y to Cd, and i = 12 and 16. These two nanoclusters have been chosen owing to their highly spheroidal shape which allow for favored endohedral structures as compared to other nanoclusters. Doping with TM is chosen due to their magnetic properties. In similar cluster-assembled materials, these magnetic properties are related to the Transition Metal-Transition Metal (TM-TM) distances. At this point, endohedral doping presents a clear advantage over substitutional or exohedral doping, since in the cluster-assembled materials, these TM would occupy the well-fixed center of the cluster, providing in this way a better TM-TM distance control to experimentalists. In addition to endohedral compounds, surface structures and the TS’s connecting both isomers have been characterized. In this way the kinetic and thermal stability of endohedral nanoclusters is predicted. We anticipate that silver and cadmium endohedrally doped nanoclusters have the longest life-times. This is due to the weak interaction of these metals with the cage, in contrast to the remaining cases where the TM covalently bond to a region of the cage. The open-shell electronic structure of Ag provides magnetic properties to Ag@ZniSi clusters. Therefore, we have further characterized (Ag@Zn12S12)2 and (Ag@Zn16S16)2 dimers both in the ferromagnetic and antiferromagnetic state, in order to calculate the corresponding magnetic exchange coupling constant, J.This research was funded by Eusko Jaurlaritza (the Basque Government), and the Spanish Office for Scientific Research. The SGI/IZO-SGIker UPV/EHU (supported by Fondo Social Europeo and MCyT) is gratefully acknowledged for generous allocation of computational resources. JMM would like to thank Spanish Ministry of Science and Innovation for funding through a Ramon y Cajal fellow position (RYC 2008-03216). We thanks Elixabete Rezabal for cheerful discussion

Gaussian process regression with automatic relevance determination kernel for calendar aging prediction of lithium-ion batteries

Battery calendar aging prediction is of extreme importance for developing durable electric vehicles. This paper derives machine learning-enabled calendar aging prediction for lithium-ion batteries. Specifically, the Gaussian process regression (GPR) technique is employed to capture the underlying mapping among capacity, storage temperature, and SOC. By modifying the isotropic kernel function with an automatic relevance determination (ARD) structure, high relevant input features can be effectively extracted to improve prediction accuracy and robustness. Experimental battery calendar aging data from nine storage cases are utilized for model training, validation, and comparison, which is more meaningful and practical than using the data from a single condition. Illustrative results demonstrate that the proposed GPR model with ARD Matern32 (M32) kernel outperforms other counterparts and can achieve reliable prediction results for all storage cases. Even for the partial-data training test, multi-step prediction test and accelerated aging training test, the proposed ARD-based GPR model is still capable of excavating the useful features, therefore offering good generalization ability and accurate prediction results for calendar aging under various storage conditions. This is the first known data-driven application that utilizes the GPR with ARD kernel to perform battery calendar aging prognosis

Is serum phosphorus control related to parathyroid hormone control in dialysis patients with secondary hyperparathyroidism?

Background Elevated serum phosphorus (P) levels have been linked to increased morbidity and mortality in dialysis patients with secondary hyperparathyroidism (SHPT) but may be difficult to control if parathyroid hormone (PTH) is persistently elevated. We conducted a post hoc analysis of data from an earlier interventional study (OPTIMA) to explore the relationship between PTH control and serum P. Methods The OPTIMA study randomized dialysis patients with intact PTH (iPTH) 300–799 pg/mL to receive conventional care alone (vitamin D and/or phosphate binders [PB]; n = 184) or a cinacalcet-based regimen (n = 368). For patients randomized to conventional care, investigators were allowed flexibility in using a non-cinacalcet regimen (with no specific criteria for vitamin D analogue dosage) to attain KDOQI™ targets for iPTH, P, Ca and Ca x P. For those assigned to the cinacalcet-based regimen, dosages of cinacalcet, vitamin D sterols, and PB were optimized over the first 16 weeks of the study, using a predefined treatment algorithm. The present analysis examined achievement of serum P targets (≤4.5 and ≤5.5 mg/dL) in relation to achievement of iPTH ≤300 pg/mL during the efficacy assessment phase (EAP; weeks 17–23). Results Patients who achieved iPTH ≤ 300 pg/mL (or a reduction of ≥30% from baseline) were more likely to achieve serum P targets than those who did not, regardless of treatment group. Of those who did achieve iPTH ≤ 300 pg/mL, 43% achieved P ≤4.5 mg/dL and 70% achieved P ≤5.5 mg/dL, versus 21% and 46% of those who did not achieve iPTH ≤ 300 pg/mL. Doses of PB tended to be higher in patients not achieving serum P targets. Patients receiving cinacalcet were more likely to achieve iPTH ≤300 pg/mL than those receiving conventional care (73% vs 23% of patients). Logistic regression analysis identified lower baseline P, no PB use at baseline and cinacalcet treatment to be predictors of achieving P ≤4.5 mg/dL during EAP in patients above this threshold at baseline. Conclusions This post hoc analysis found that control of serum P in dialysis patients was better when serum PTH levels were lowered effectively, regardless of treatment received

Impact of mineral and bone disorder on healthcare resource use and associated costs in the European Fresenius medical care dialysis population: a retrospective cohort study

BACKGROUND: Secondary hyperparathyroidism (SHPT) is associated with mortality in patients with chronic kidney disease (CKD), but the economic consequences of SHPT have not been adequately studied in the European population. We assessed the relationship between SHPT parameters (intact parathyroid hormone [iPTH], calcium, and phosphate) and hospitalisations, medication use, and associated costs among CKD patients in Europe. METHODS: The analysis of this retrospective cohort study used records of randomly selected patients who underwent haemodialysis between January 1, 2005 and December 31, 2006 at participating European Fresenius Medical Care facilities in 10 countries. Patients had ≥ 1 iPTH value recorded, and ≥ 1 month of follow-up after a 3-month baseline period during which SHPT parameters were assessed. Time at risk was post-baseline until death, successful renal transplantation, loss to follow-up, or the end of follow-up. Outcomes included cost per patient-month, rates of hospitalisations (cardiovascular disease [CVD], fractures, and parathyroidectomy [PTX]), and use of SHPT-, diabetes-, and CVD-related medications. National costs were applied to hospitalisations and medication use. Generalised linear models compared costs across strata of iPTH, total calcium, and phosphate, adjusting for baseline covariates. RESULTS: There were 6369 patients included in the analysis. Mean ± SD person-time at risk was 13.1 ± 6.4 months. Patients with iPTH > 600 pg/mL had a higher hospitalisation rate than those with lower iPTH. Hospitalisation rates varied little across calcium and phosphate levels. SHPT-related medication use varied with iPTH, calcium, and phosphate. After adjusting for demographic and clinical variables, patients with baseline iPTH > 600 pg/mL had 41% (95% CI: 25%, 59%) higher monthly total healthcare costs compared with those with iPTH in the K/DOQI target range (150–300 pg/mL). Patients with baseline phosphate and total calcium levels above target ranges (1.13–1.78 mmol/L and 2.10–2.37 mmol/L, respectively) had 38% (95% CI: 27%, 50%) and 8% (95% CI: 0%, 17%) higher adjusted monthly costs, respectively. Adjusted costs were 25% (95% CI: 18%, 32%) lower among patients with baseline phosphate levels below the target range. Results were consistent in sensitivity analyses. CONCLUSIONS: These data suggest that elevated SHPT parameters increase the economic burden of CKD in Europe