Pengaruh jumlah pembiayaan muḍārabah dan musyarakah terhadap pendapatan bagi hasil di PT.Bank Negara Indonesia Syariah periode tahun 2015-2018

Pendapatan bagi hasil merupakan keuntungan yang diperoleh setiap bank syariah, dengan keuntungan tersebut suatu bank syariah tetap dapat menjalankan kegiatan usahanya. Besar kecilnya pendapatan bagi hasil yang diperoleh bank syariah salah satu diantaranya dipengaruhi oleh jumlah pembiayaan yang disalurkan bank syariah tersebut, di dalam bank BNI syariah terdapat pembiayaan muḍārabah dan pembiayaan musyarakah. Rumusan masalah, apakah terdapat pengaruh jumlah pembiayaan muḍārabah (JPMud) terhadap pendapatan bagi hasil (PBH) di PT BNI Syariah secara parsial, apakah terdapat pengaruh jumlah pembiayaan musyarakah (JPMus) terhadap PBH di PT BNI Syariah secara parsial, apakah terdapat pengaruh JPMud dan JPMus terhadap PBH di PT. BNI Syariah secara simultan. Tujuan penelitian, untuk mengetahui pengaruh JPMud terhadap PBH secara parsial di PT. BNI Syariah, untuk mengetahui pengaruh JPMus terhadap PBH parsial di PT. BNI Syariah, untuk mengetahui pengaruh JPMud dan JPMus terhadap PBH secara simultan di PT. BNI Syariah. Dalam penelitian ini yang menjadi variabel independennya ialah jumlah pembiayaan muḍārabah dan jumlah pembiayaan musyarakah dan variabel dependennya pendapatan bagi hasil, dimana jika jumlah pembiayaan meningkat maka pendapatan bagi hasil akan meningkat. Penelitian ini merupakan penelitian kuantitatif data time series yang dipublikasikan oleh Bank BNI Syariah. Dianalisis dengan menggunakan alat bantu SPSS versi 23.00 dengan menggunakan metode analisis uji normalitas, uji asumsi klasik, uji regresi linier berganda, uji hipotesis ( uji R2uji t, uji F). Hasil penelitian secara parsial (uji t) menyatakan bahwa, (JPMud) memiliki t hitung > t table = (2,363 > 2,021) dengan signifikan t tabel = ( 5,719 > 2,021) dengan sinifikan F tabel = (18,121) > 3,21). Kemudian Penelitian ini memiliki nilai koefisien determinasi (R2) sebesar 0,457 artinya variabel JPMud dan JPMus mampu menjelaskan variansi variabel pendapatan bagi hasil sebesar 45,7%. Sementara 54,3 % lainnya dijelaskan oleh variabel lain

Elektrické a fotoelektrické vlastnosti konjugovaných polymerů a jejich nízkomolekulárních modelových látek

Matematicko-fyzikální fakultaFaculty of Mathematics and Physic

Sistem Integrasi Fasilitas Institusi Pendidikan dengan Konsep One Account For Everything

Conventional learning management environment of educational institution makes some problem such as illegal presence, chaos schedulling, and so on. Current system is still stand alone without any integration so it is not optimal yet to solve the problem. The author provides a solution with Integrated Virtual Learning System (IVELS) for simplicity in management of learning environment. Purpose of this activity is (1) integrating presence systems, library, map and scheduling into a digital integrated system, (2) desining IVELS system that can solve the problem learning activities in the campus environment, (3) apply the IVELS implementation design so it can be implemented integrated system,(4) apply IVELS working principle so it can do the job of managing digital learning environment well.The used method in this activity includes study of literature, design of system, making system with waterfallmethod, and testing the system with standard ISO 9126.The achieved result is creation of IVELS system with integrated module so that the learning environment management will be easier. IVELS integrated with OAuth 2.0 methods through Cloud-based API. In conclusion, the IVELS system is able to integrated with the concept of OAFE

Lebanese traders in Cotonou: A socio-cultural analysis of economic mobility and capital accumulation

Passenger cars and other small vehicles have for a long time been the backbone of transport in west Africa. The cars are usually second-hand, and they are sourced on overseas car markets, mostly in western Europe. During the 1990s the port town of Cotonou, Bénin, became one of the most prominent hubs in this car trade: car markets mushroomed, attracting large numbers and a wide variety of traders - including a prominent contingent of Lebanese. This article discusses the role of these Lebanese traders in the car trade through a reconstruction of their careers. It reveals that Lebanese business, which can go through a rapid succession of different economic activities, starts as kin-based enterprise, but gradually incorporates peers and friends. Close analysis of this practice suggests that Lebanese immigrant traders are to a large extent driven by the ideal of enjoying life by adopting an expatriate lifestyle

Biinvariant operators on nilpotent Lie groups

Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/46602/1/222_2005_Article_BF01403051.pd

Fabricated germanium-doped optical fibres for computed tomography dosimetry: Glow curve characteristics

Fabricated germanium (Ge)-doped optical fibre glow curve characteristics are investigated with respect to computed tomography (CT) dosimetry. 2.3 mol% and 6 mol% Ge-dopant concentration preforms have been used to produce flat and cylindrical fibres (FF and CF) of various size and diameter. The fibres are irradiated to doses of 20, 30 and 40 mGy for each of the beam qualities RQT 8 (100 kV), RQT 9 (120 kV) and RQT 10 (150 kV). The thermoluminescence (TL) kinematic parameters studied are maximum temperature (Tmax), activation energy (Ea) and peak integral (PI). The glow curve formations are reconstructed from the Windows®–based radiation evaluation and management system (WinREMS), deconvoluted using glow curve deconvolution (CGCD) analysis software. The structures of the glow curves are broad single or double-peaked, occurring at relatively high glow peak temperatures, TL response increases with radiation dose and peak height decreases with increasing energy, showing clear photoelectric dependence. The deconvoluted glow curves for all fibres are seen to consist of five individual glow peaks, P1 to P5, P1 being dominant in all cases other than for 6 mol% Ge-FF for which P3 is dominant due to the formation of a double-peaked glow curve. Tmax increases from P1 to P5 for all fibres, throughout the energy range used. P1 and P3 (6 mol% Ge-FF) have the lowest Ea, while P4 shows the greatest Ea for all fibres. The results indicate that electrons in P1 and P3 (6 mol% Ge-FF) are occupied at low energy traps while for P4, the electrons are trapped at a deeper energy level. The lowest PI value, indicative of the least number of electrons, is shown to be that of the deeper trap P4 for all energies investigated. This study provides support for the use of 6 mol% and 2.3 mol% preform fibres for CT dosimetry, each with similar kinetic parameters

Dosimetric response of fabricated Ge-doped optical fibres in computed tomography RQT beam quality x-ray beams

Novel germanium (Ge)-doped silica glass fibres tailor-made in Malaysia are fast gaining recognition as potential media for thermoluminescence (TL) dosimetry, with active research ongoing into exploitation of their various beneficial characteristics. Investigation is made herein of the capability of these media for use in diagnostic imaging dosimetry, specifically at the radiation dose levels typically obtained in conduct of Computed Tomography (CT). As a first step within such efforts, there is need to investigate the performance of the fibres using tightly defined spectra, use being made of a Philips constant potential industrial x-ray facility, Model MG165, located at the Malaysian Nuclear Agency Secondary Standards Dosimetry Lab (SSDL). Standard radiation beam qualities (termed RQT) have been established for CT, in accord with IEC 61267: 2003 and IAEA Technical Reports Series No. 457: 2007. A calibrated ionisation chamber has also been utilised, forming a component part of the SSDL equipment. The fabricated fibres used in this study are 2.3 mol% flat fibre (FF) of dimensions 643 × 356 μm2 and 2.3 mol% cylindrical fibre (CF) of 481 μm diameter, while the commercial fibre used is 4 mol% with core diameter of 50 μm. The dopant concentrations are nominal preform values. The fibres have been irradiated to doses of 20, 30 and 40 milligray (mGy) for each of the beam qualities RQT 8, RQT 9 and RQT 10. For x-rays generated at constant potential values from 100 to 150 kV, a discernible energy-dependent response is seen, comparisons being made with that of lithium fluoride (LiF) thermoluminescence dosimeters (TLD-100). TL yield versus dose has also been investigated for x-ray doses from 2 to 40 mGy, all exhibiting linearity. Compared to TLD-100, greater sensitivity is observed for the fibres

The impact of substance use on brain structure in people at high risk of developing schizophrenia

Ventricular enlargement and reduced prefrontal volume are consistent findings in schizophrenia. Both are present in first episode subjects and may be detectable before the onset of clinical disorder. Substance misuse is more common in people with schizophrenia and is associated with similar brain abnormalities. We employ a prospective cohort study with nested case control comparison design to investigate the association between substance misuse, brain abnormality, and subsequent schizophrenia. Substance misuse history, imaging data, and clinical information were collected on 147 subjects at high risk of schizophrenia and 36 controls. Regions exhibiting a significant relationship between level of use of alcohol, cannabis or tobacco, and structure volume were identified. Multivariate regression then elucidated the relationship between level of substance use and structure volumes while accounting for correlations between these variables and correcting for potential confounders. Finally, we established whether substance misuse was associated with later risk of schizophrenia. Increased ventricular volume was associated with alcohol and cannabis use in a dose-dependent manner. Alcohol consumption was associated with reduced frontal lobe volume. Multiple regression analyses found both alcohol and cannabis were significant predictors of these abnormalities when simultaneously entered into the statistical model. Alcohol and cannabis misuse were associated with an increased subsequent risk of schizophrenia. We provide prospective evidence that use of cannabis or alcohol by people at high genetic risk of schizophrenia is associated with brain abnormalities and later risk of psychosis. A family history of schizophrenia may render the brain particularly sensitive to the risk-modifying effects of these substances

In Vitro and In Vivo Anti-Inflammatory Activity of 17-O-Acetylacuminolide through the Inhibition of Cytokines, NF-κB Translocation and IKKβ Activity

BACKGROUND AND PURPOSE: 17-O-acetylacuminolide (AA), a diterpenoid labdane, was isolated for the first time from the plant species Neouvaria foetida. The anti-inflammatory effects of this compound were studied both in vitro and in vivo. EXPERIMENTAL APPROACH: Plant extracts were initially tested against LPS-stimulated release of tumor necrosis factor alpha (TNF-α) from murine macrophages (RAW264.7 cells). Based on bioassay-guided fractionation, the active compound was identified as AA. AA was tested for its ability to reduce nitric oxide (NO) production, and the inducible nitric oxide synthase (iNOS) expression. The inhibition of a panel of inflammatory cytokines (TNF, IL-1β, IL-6, KC, and GM-CSF) by AA was assessed at the expression and the mRNA levels. Moreover, the effect of AA on the translocation of the transcription factor nuclear factor kappa B (NF-κB) was evaluated in LPS-stimulated RAW264.7 cells and in TNF-stimulated L929 cells. Subsequently, AA was tested in the inhibitor of NF-κB kinase beta (IKKβ) activity assay. Lastly, the anti-inflammatory activity of AA in vivo was evaluated by testing TNF production in LPS-stimulated Balb/c mice. KEY RESULTS: AA effectively inhibited TNF-α release with an IC(50) of 2.7 µg/mL. Moreover, AA significantly inhibited both NO production and iNOS expression. It significantly and dose-dependently inhibited TNF and IL-1β proteins and mRNA expression; as well as IL-6 and KC proteins. Additionally, AA prevented the translocation of NF-κB in both cell lines; suggesting that it is acting at a post receptor level. This was confirmed by AA's ability to inhibit IKKβ activity, a kinase responsible for activating NF-κB, hence providing an insight on AA's mechanism of action. Finally, AA significantly reduced TNF production in vivo. CONCLUSIONS AND IMPLICATIONS: This study presents the potential utilization of this compound, as a lead for the development of an anti-inflammatory drug

Seasonal adaptations of the hypothalamo-neurohypophyseal system of the dromedary camel

The "ship" of the Arabian and North African deserts, the one-humped dromedary camel (Camelus dromedarius) has a remarkable capacity to survive in conditions of extreme heat without needing to drink water. One of the ways that this is achieved is through the actions of the antidiuretic hormone arginine vasopressin (AVP), which is made in a specialised part of the brain called the hypothalamo-neurohypophyseal system (HNS), but exerts its effects at the level of the kidney to provoke water conservation. Interestingly, our electron microscopy studies have shown that the ultrastructure of the dromedary HNS changes according to season, suggesting that in the arid conditions of summer the HNS is in an activated state, in preparation for the likely prospect of water deprivation. Based on our dromedary genome sequence, we have carried out an RNAseq analysis of the dromedary HNS in summer and winter. Amongst the 171 transcripts found to be significantly differentially regulated (>2 fold change, p value <0.05) there is a significant over-representation of neuropeptide encoding genes, including that encoding AVP, the expression of which appeared to increase in summer. Identification of neuropeptides in the HNS and analysis of neuropeptide profiles in extracts from individual camels using mass spectrometry indicates that overall AVP peptide levels decreased in the HNS during summer compared to winter, perhaps due to increased release during periods of dehydration in the dry season