Aktivitas Antibakteri Infusa Biji Buah Langsat (Lansium Domesticum Cor.)terhadap Streptococcus Pneumoniae

Latar Belakang: Delapan puluh persen dari populasi di dunia bergantungpada obat yang didapat dari tumbuhan untuk lini pertama pengobatanprimer. Data empiris menunjukan pemanfaatan tanaman langsat salahsatunya sebagai obat antibakteri, terutama disentri. Penelitianmembuktikan ekstrak biji langsat memiliki aktivitas antibakteri melawanbeberapa bakteri patogen saluran cerna seperti Bacillus cereus,Staphylococcus aureus, Salmonella typhii, Escericia coli, dan Vibriocholera namun eksplorasi belum pernah dilakukan terhadap bakteripatogen pada sistem lainnya. Contohnya, Streptococcus pneumoniaeyang menjadi masalah utama kesehatan global karena resistensi danbeban penyakit yang ditimbulkannya. Tujuan: Penelitian ini bertujuanuntuk mengetahui aktivitas antibakteri infusa biji buah langsat (Lansiumdomesticum Cor.) terhadap Streptococcus pneumoniae denganmenentukan nilai konsentrasi hambat minimum (KHM) dan konsentrasibunuh minimum (KBM) serta mengetahui kandungan metabolit sekunderdidalamnya. Metodologi: Penelitian ini merupakan studi eksperimentalmurni dengan rancangan postest only control group design. Uji aktivitasantibakteri dilakukan dengan metode dilusi kaldu (makrodilusi) untukmendapatkan KHM yang dilanjutkan dengan subkultur untukmendapatkan KBM. Skrining fitokimia dilakukan dengan uji tabung dengantiga kali pengulangan untuk setiap pemeriksaan. Hasil: KHM dan KBMinfusa biji buah langsat terhadap Streptococcus pneumoniae tidak dapatditentukan potensinya pada penelitian ini. Kandungan metabolit sekunderinfusa biji buah langsat yaitu saponin. Kesimpulan: Infusa biji buahlangsat tidak memiliki aktivitas antibakteri terhadap Streptococcuspneumoniae

ANALYSIS OF SEVERAL FACTORS AFFECTING CONSUMER BEHAVIOR IN CHOOSING PAWNSHOP (CASE STUDY OF SHARIA PAWNSHOP UNIT AT SULTAN ADAM BANJARMASIN)

Knowing the behavior of consumers is not easy, sometimes they frankly decision needs and desires, but often they act arbitrarily. Maybe they do not understand their motivation in depth so that they often react to change their minds at the last minute before finally doing a purchase decision. Consumer decision making, either directly or indirectly, will involve others in decision making. This research is a field research. The research was conducted through primary data collection with tools questionnaire, given to the customers sharia pawnshop Unit at Sultan Adam Banjarmasin. The data obtained is then tabulated to obtain the influence of independent variables on the dependent variable used. Based on the analysis of data and the results of hypothesis testing is done, it can be concluded that researchers propose as follows:  1. The results of the analysis of factors affecting consumer behavior in selecting Sharia Pawnshop indicated by the value of R 639 square containing 63.9 % mean that the decision in choosing the unit of Sharia Pawnshop Sultan Adam Banjarmasin.While the remaining 36.1 % is determined by factors that variables used in this study. 2. Price variables have the most dominant influence on the decision in choosing the unit of sharia Pawnshop. This finding can be seen through the understandarized beta of 0.311 and significance level of 0.000

SYARIAH CARD (TELAAH HUKUM AKAD/PERJANJIAN PERSPEKTIF ISLAM)

The validity of a contract in Islam has to be based on Al-Quran, Hadith and Ijtihad(legal thinking). One main principle in an Islamically sanctioned contract is that it is free fromusury, ambiguity and speculation. The rapid development of Islamic economy as shown by theestablishment of various Sharia financing units offering Sharia based products puts Islamic con-tracts (akad) in an important position. Foreseen disputes need to be anticipated so they will notcreate problems in the future. This necessitates a prudential standpoint and a compliance withIslamic law, so that the parties involved in an akad are legally protected. For this to happen, atransaction should be tied by a contract. The present article discusses how a Sharia credit card isanalysed from the perpective of Islamic contract

KORELASI KEPUASAN NASABAH DENGAN MINAT MENJADI NASABAH PADA LEMBAGA KEUANGAN SYARI’AH

Eksistensi pegadaian syariah di Indonesia muncul sebagai solusi alternatif. Oleh karena itu pilihan untuk berhubungan dengan pegadaian syariah yang notabenenya bebas bunga, dewasa ini semakin mendapatkan perhatian yang sungguh-sungguh dari kalangan masyarakat. Untuk mendapatkan tanggapan positif dari nasabah diperlukan manajemen yang baik dari pihak pengelola. Sehingga kepuasan nasabahpun dapat terwujud dan ini dapat berdampak positif pada peningkatan jumlah nasabah. Alasan pemilihan lokasi penelitian pada Pegadaian Syariah Cabang Kusumanegara Yogyakarta berdasarkan pada pertimbangan bahwa pegadaian syariah tersebut merupakan pegadaian pertama yang menerapkan sistem syariah di Yogyakarta juga  letak lokasi yang sangat strategis (ditengah atau pusat kota yang notabenenya dikelilingi banyak sekolah, kantor dan kampus.Penelitian ini merupakan penelitian lapangan (field research) dan menggunakan metode penelitian kualitatif sekaligus kuantitatif.  Berdasarkan hasil analisis data dan hasil pengujian hipotesis yang dilakukan, penelitian ini menghasilkan nilai korelasi kepuasan nasabah dengan minat menjadi nasabah di Pegadaian tersebut sebesar 0,658. Sementara keberhasilan peningkatan jumlah nasabah  dapat diantisipasi atas dasar kepuasan nasabah terhadap pelayanan yang  dilakukan  oleh  pihak  Pegadaian dijelaskan melalui persamaan regresi Y =  26,836 + 0,186X1.. Adapun hasil perhitungan koefesien determinasinya ( R2 ) diperoleh angka sebesar 0,725. Hal ini menunjukkan bahwa variabel independen mampu menjelaskan variabel dependen sebesar 72,5 %. Sedangkan 27,5 % dijelaskan oleh faktor lain diluar penelitian

RIBA (TINJAUAN KONSEP DAN DAMPAKNYA DALAM PEREKONOMIAN UMAT)

Riba ditinjau dari sudut etimology (bahasa) bermakna ziyadah (tambahan). Sedangkan makna terminology (istilah) riba berarti pengambilan tambahan dari harta pokok (modal) secara batil (HM. Syafi’I Antonio, 1992,10). Secara umum riba adalah penambahan terhadap hutang. Artinya: setiap penambahan pada hutang baik kualitas ataupun kuantitas, baik banyak ataupun sedikit, adalah termasuk riba yang diharamkan. Hal ini berdasarkan firman Allah dalam surat An-Nisa’: 29. Dampak riba sangat besar/luas dan berpengaruh secara signifikan pada perekonomian umat, baik negara, bangsa dan masyarakat luas atau dengan kata lain jika riba telah menjadi sistem yang mapan dan telah mengkristal sedemikian kuatnya, maka sistem itu akan dapat menimbulkan dampak buruk bagi perekonomian secara luas / dampak sistem ekonomi ribawi tersebut sangat membahayakan perekonomian. Oleh karena itu eksistensi zakat sangat diperlukan, karena tujuan Islam dalam mewajibkan zakat ternyata untuk menggerakkan umatnya senantiasa berusaha melalui uangnya untuk berinvestasi, bukan untuk ditimbun. Dengan pemahaman investasi perspektif Islam yang mendorong para umat selalu berusaha, bekerja dan berbisnis secara riil untuk memenuhi kebutuhan hidupnya dalam rangka mengabdikan dirinya kepada Allah SWT dan wujud eksistensinya sebagai khalifah di muka bumi ini

Web Service Sebagai Solusi Integrasi Data Pada Sistem Informasi Akademik Universitas Bina Darma

Web service was the new paradigm in implementation the distributed system went through web that used the basis of XML technology, XML is a markup languange which represents document that is exchanged via internet. With exact structure and definition, XML can be used for representation and communication of distributed relational database. This research focusses on database representation and synchronization between relational databases. Bina Darma University has of Education Office is spread and separated by distance which will make the distribution of data in terms of student is not very effective and efficient. Online distribution also does not help because it has to moved from one site to another to retrieve the data. This study aims to build a web services technology that is capable to integrating the data in the Bina Darma University. With take advantage of XML, the integration of data from Bina Darma university which have different databases can be done. Keywords: Web Services, Data Integration, XM

Struktur dan Tingkat Pendapatan Rumah Tangga Petani Karet di Desa Teratak Kecamatan Rumbio Jaya Kabupaten Kampar

The purpose of this study was (1) to analyze the structure of household income in the village rubber farmers Teratak village Rumbio Jaya district Kampar regency, (2) Analyzing household income levels of farmers rubber Teratak village Rumbio Jaya district Kampar regency. The method used in this study is a survey method and sampling technique that the purposive sampling method. The population in this study was 208 people and is sampled 24 people who fit the criteria. The structure of the income of farmers in the village Teratak samples showed that the agricultural sector is the largest contributor to the total income of farm households is equal to 84,76% and from non-agricultural sectors of 15,24%. Revenues from the agricultural sector dominated from rubber farming income that is equal to 57,81%, the rest of the revenue contributed by 23,04% Oil Farming, Rice Farming of 1,91% and Fish Farm of 2,00%. Average income households that received sample Rp.3.196.605/month which is contributed from the main revenue of Rp.1.847.917/month (57.81%) of the household income, additional income of Rp.1.211.952/month (37,91%) of the income households, while the income of the farmer family members contributed as much as Rp.136.736/month (4,28%) of the total household income

Dampak Kebijakan Perlindungan Terbatas Ukuran terhadap Perdagangan Ikan Napoleon dari Anambas ke Hongkong Tahun 2013

This research describes the impact of limited protection size policy of the Napoleon wrasse trade from Anambas to Hongkong in 2013. Limited protection size policy on Napoleon wrasse is Indonesian effort to answer two circumstances. First, answer the problem of habitat and species of napoleon wrasse that are threatened with extinction as the impact of trade. That extinction was recorded by IUCN (insert Napoleon wrasse species in the red list of endagered status) and CITES (insert Napoleon wrasse species into the list of Appendix II). And secondly, try to make the best solution for fishermen which Napoleon wrasse fishermen may conduct trading activities on the condition of the fish in accordance with the provisions.The method used in this study is a qualitative method derived from field research to Anambas. In addition, supported by data derived from journals, books, websites that related to research problems. The Concept used in this study is concept of national interest and the concept of sustainable development.This research shows that limited protection size policy affects on Napoleon wrasse trade from Anambas to Hongkong. The impact are the decline in demand for Napoleon wrasse ,Napoleon wrasse Selling price is low, Happened cases originating from IUU fishing (Illegal, Unreported, and Unregulated Fishing), and termination of Napoleon wrasse trade between Anambas and Hong Kong.Keyword ;Napoleon Wrasse, Limited Protection Size Policy, Trade, Concept Of Sustainable Development, Impact Of Policy

Risk Management of DPLK Pension Funds of Sharia Financial Institutions (Evidence from a DPLK Pension Funds of Muamalat Sharia Financial Institutions)

The purpose of this research is to find out and analyze how the risk management of Sharia financial institution DPLK Pension Funds at the Muamalat Sharia Financial Institution DPLK Pension Fund (MSFIPF). This study uses qualitative methods with case study strategies. The object of this study was the Muamalat Sharia Financial Institution DPLK Pension Fund, an assessment was carried out using the Australian Standard / New Zealand Standard 4360: 1999 qualitative analysis method. The results of this study have found 5 types of risks identified namely strategic risk, operational risk, risk of assets and liabilities, reputation risk, and risk to participants. The results obtained from the risk assessment resulted in 17 types of risk descriptions, consisting of 4 types of risk descriptions with significant levels, 9 types of risk descriptions with moderate levels, and 4 types of risk descriptions with low levels. Based on the research it was found that a significant level is the level of risk description that must be considered highly because the opportunity is quite high and has a detrimental impact on the Muamalat Sharia DPLK Pension Fund. The level of risk description at the significant level of the Muamalat Sharia DPLK Pension Fund consists of 4 risk descriptions, among others, 3a. Investment returns are not in accordance with the benchmark, 3b. a mistake participants choose investment package (MSFIPF), 5a. fluctuating risk (participants), and 5b. a mistake in selecting investment packages (participants).     Keywords: Risk Management, Sharia DPLK Pension Fund, Muamalat Sharia DPLK Pension Fun