Mekanisme pencairan dana pembiayaan mudharabah dengan agunan cash collateral : studi kasus pada KSPPS Arthamadina Banyuputih-Batang

Koperasi simpan pinjam dan pembiayaan syariah merupakan koperasi yang kegiatan usahanya meliputi pinjaman, simpanan, dan pembiayaan yang pengoprasiannya sesuai dengan perinsip syariah dan juga terdapat kegiatan pengelolaan zakat, infaq/sodakoh, dan wakaf. KSPPS Arthamadina dalam menyalurkan danannya menggunakan akad mudharabah atau akad kerja sama antara shohibul maal dan mudharib, kspps arthamadina juga menyediakan pembiayaan dengan agunan cast collateral untuk mempermudah anggota atau calon anggotanya yang akan mengajukan pembiayaan tetapi tidak mempunyai fix asset. Adapun rumusan masalah yang dalam penelitian ini, adalah bagaimana mekanisme pencairan dana pembiayaan dan apa saja yang dijadikan pertimbangan dalam melakukan pembiayaan dengan agunan cast collateral di KSPPS Arthamadina. Penelitian ini menggunakan metode kualitatif, dengan menggunakan pendekatan deskritif dengan berusaha mengambarkan hasil penelitian yang apa adanya. Teknik pengumpulan data dengan observasi, wawancara, dan dokumentasi. KSPPS Arthamadina adalah tempat yang dijadikan penelitian yang daerah kerjanya di Kabupaten Batang, lebih tepatnya di Jl. Lokojoyo Km. 1 Banyuputih, Batang 51271. Dari hasil penelitian KSPPS Arthamadina belum sepenuhnya menggunakan prinsip syariah dikarenakan di KSPPS Arthamadina masih menggunakan persentase dalam bagi hasilnya. Pembiayaan dengan agunan cast collateral juga diterapkan untuk memberikan kemudahan, kesejahteraan, dan membantu anggotanya yang tidak memiliki agunan fix asset tetapi masih dapat melakukan pembiayaan dengan plafon yang kecil

Reef Fish Assemblages on Submerged Lava Flows of Three Different Ages

Recent volcanic activity near Kapa'ahu, Hawaii provided an opportunity to survey reef fish assemblages on submarine lava flows of three ages: 0.3 yr, 32 yr, and prehistoric. The results are used to examine development of these assemblages and influence of habitat characteristics on species distributions. Community-level analysis found clear differences between sites. Overall adult abundance and species richness increased with the age of the flow, but juvenile densities were highest on the youngest flow. Differences in abundances shown by many species may relate to habitat characteristics such as food availability, shelter, and conspecific densities

New Records of Fishes from Johnston Atoll, with Notes on Biogeography

Thirty new records of fishes are reported from Johnston Atoll. Three are Hawaiian endemics, six are widespread Indo-Pacific species that reach Johnston but not Hawaii, and the remainder are widespread species that have been recorded from Hawaii and elsewhere in the Pacific. The number of fish species recorded from Johnston is raised to 301. The attenuated nature of Johnston's fish fauna may be due to several factors, including isolation, lack of habitat area and diversity, and glacioeustatic extinctions

Use of multivariate control charts to assess the status of reef fish assemblages in the Northwestern Hawaiian Islands

A distance-based multivariate control chart is a useful tool for ecological monitoring to detect changes in biological community resulting from natural or anthropogenic disturbances at permanent monitoring sites. It is based on a matrix of any distances or dissimilarities among observations obtained from species composition and abundance data, and bootstrapping techniques are used to set upper confidence bounds that trigger an alarm for further investigations. We extended the use of multivariate control charts to stratified random sampling and analyzed reef fish monitoring data collected annually on shallow (≤30 m) reefs across the Northwestern Hawaiian Islands (NWHI), part of the Papahānaumokuākea Marine National Monument. Fish assemblages in the NWHI were mostly stable, with exceptions in the south region (Nihoa, Mokumanamana and French Frigate Shoals) in 2012 and 2015 where changes in the assemblage structure exceeded the upper confidence bounds of multivariate control charts. However, these were due to changes in relative abundances of native species, and potentially related to the small numbers of survey sites and relatively low coral covers at the sites, particularly in 2015. The present study showed that multivariate control charts can be used to evaluate the status of biological communities in a very large protected area. Future monitoring of fish assemblages in the Papahānaumokuākea Marine National Monument should be accompanied by specific habitat or environmental variables that are related to potential threats to its shallow-water ecosystems. This should allow for more detailed investigations into potential causes and mechanisms of changes in fish assemblages when a multivariate control chart triggers an alarm