LITERASI PRODUK KPR SYARIAH DAN PENGARUHNYA TERHADAP MINAT MAHASISWA MENGGUNAKAN PRODUK KPR SYARIAH

Manusia diwajibkan untuk selalu menuntut ilmu, selain karena perintah agama juga untuk meningkatkan literasi / pengetahuan manusia. literasi ini sangat penting karena untuk melepaskan manusia dari kebodohan. Masih adanya produk perbankan yang belum sesuai dengan perintah agama, menimbulkan konsumen harus berhati-hati dalam memlilih produk perbankan. Salah satu produk perbankan yang masih mengandung unsur riba yaitu produk KPR konvensional. KPR konvensional dengan iklan yang menggiurkan membuat konsumen ingin membeli rumah dengan menggunakan produk KPR konvensional, padahal produk tersebut masih mengandung unsur riba yang jelas tidak diperbolehkan dalam Islam. Penelitian ini mengidentifikasi tingkat literasi produk KPR Syariah dan pengaruhnya terhadap minat mahasiswa menggunakan KPR konvensional. Jumlah sampel yang digunakan adalah sebanyak 140 orang diwakili prodi yang berada di Fakultas Ekonomi dan Bisnis. Sampel dipilih menggunakan metode purposive sampling dengan teknik quota sampling. Penelitian ini menggunakan metode deskriptif untuk menggambarkan situasi atau kejadian yang terjadi di lapangan dengan pendekatan kuantitatif. Regresi linier sederhana digunakan untuk menganalisis tingkat literasi produk KPR Syariah dan pengaruhnya terhadap mahasiswa menggunakan KPR Syariah. Literasi / pengetahuan mahasiswa FPEB UPI adalah sedang dan mahasiswa FPEB UPI mempunyai minat menggunakan KPR Syariah yang sedang pula. Hasil regresi sederhana menunjukkan bahwa literasi produk KPR Syariah tidak berpengaruh terhadap minat mahasiswa menggunakan produk KPR Syariah.---Humans are required to always study, in addition to religious orders also to increase the literacy / knowledge of human beings. This literacy is very important because to release man from ignorance. Still the existence of banking products that have not complied with religious orders, causing consumers to be careful in choosing banking products. One of the banking products that still contain elements of usury is the product of conventional mortgages. Conventional mortgages with lucrative advertising make consumers want to buy a home using conventional mortgage products, but the product still contains elements of usury that is clearly not allowed in Islam. This study identifies the level of literacy of KPR Syariah products and their effect on student interest using conventional mortgages. The number of samples used is 140 people represented the study program at the Faculty of Economics and Business. The sample was selected using a method of sampling with a quotasampling technique. This research uses descriptive method to describe situation or occurrence that happened in field with quantitative approach. Simple linear regression is used to analyze the level of literacy of KPR Syariah products and their effect on students using KPR Syariah. Literacy / knowledge of FPI UPI students is moderate and FPEB UPI students have an interest in using KPR Syariah which is also. The result of simple regression shows that the KPR Syariah product literacy does not affect the interest of the students using the KPR Syariah product

Radio Bursts Associated with Flare and Ejecta in the 13 July 2004 Event

We investigate coronal transients associated with a GOES M6.7 class flare and a coronal mass ejection (CME) on 13 July 2004. During the rising phase of the flare, a filament eruption, loop expansion, a Moreton wave, and an ejecta were observed. An EIT wave was detected later on. The main features in the radio dynamic spectrum were a frequency-drifting continuum and two type II bursts. Our analysis shows that if the first type II burst was formed in the low corona, the burst heights and speed are close to the projected distances and speed of the Moreton wave (a chromospheric shock wave signature). The frequency-drifting radio continuum, starting above 1 GHz, was formed almost two minutes prior to any shock features becoming visible, and a fast-expanding piston (visible as the continuum) could have launched another shock wave. A possible scenario is that a flare blast overtook the earlier transient, and ignited the first type II burst. The second type II burst may have been formed by the same shock, but only if the shock was propagating at a constant speed. This interpretation also requires that the shock-producing regions were located at different parts of the propagating structure, or that the shock was passing through regions with highly different atmospheric densities. This complex event, with a multitude of radio features and transients at other wavelengths, presents evidence for both blast-wave-related and CME-related radio emissions.Comment: 14 pages, 6 figures; Solar Physics Topical Issue, in pres

Photoproduction of D∗±D^{*\pm} mesons associated with a leading neutron

The photoproduction of $D^{*\pm} (2010)$ mesons associated with a leading neutron has been observed with the ZEUS detector in $ep$ collisions at HERA using an integrated luminosity of 80 pb$^{-1}$. The neutron carries a large fraction, {$x_L>0.2$}, of the incoming proton beam energy and is detected at very small production angles, {$\theta_n<0.8$ mrad}, an indication of peripheral scattering. The $D^*$ meson is centrally produced with pseudorapidity {$|\eta| 1.9$ GeV}, which is large compared to the average transverse momentum of the neutron of 0.22 GeV. The ratio of neutron-tagged to inclusive $D^*$ production is $8.85\pm 0.93({\rm stat.})^{+0.48}_{-0.61}({\rm syst.})\%$ in the photon-proton center-of-mass energy range {$130 <W<280$ GeV}. The data suggest that the presence of a hard scale enhances the fraction of events with a leading neutron in the final state.Comment: 28 pages, 4 figures, 2 table

Global maps of soil temperature.

Research in global change ecology relies heavily on global climatic grids derived from estimates of air temperature in open areas at around 2 m above the ground. These climatic grids do not reflect conditions below vegetation canopies and near the ground surface, where critical ecosystem functions occur and most terrestrial species reside. Here, we provide global maps of soil temperature and bioclimatic variables at a 1-km &lt;sup&gt;2&lt;/sup&gt; resolution for 0-5 and 5-15 cm soil depth. These maps were created by calculating the difference (i.e. offset) between in situ soil temperature measurements, based on time series from over 1200 1-km &lt;sup&gt;2&lt;/sup&gt; pixels (summarized from 8519 unique temperature sensors) across all the world's major terrestrial biomes, and coarse-grained air temperature estimates from ERA5-Land (an atmospheric reanalysis by the European Centre for Medium-Range Weather Forecasts). We show that mean annual soil temperature differs markedly from the corresponding gridded air temperature, by up to 10°C (mean = 3.0 ± 2.1°C), with substantial variation across biomes and seasons. Over the year, soils in cold and/or dry biomes are substantially warmer (+3.6 ± 2.3°C) than gridded air temperature, whereas soils in warm and humid environments are on average slightly cooler (-0.7 ± 2.3°C). The observed substantial and biome-specific offsets emphasize that the projected impacts of climate and climate change on near-surface biodiversity and ecosystem functioning are inaccurately assessed when air rather than soil temperature is used, especially in cold environments. The global soil-related bioclimatic variables provided here are an important step forward for any application in ecology and related disciplines. Nevertheless, we highlight the need to fill remaining geographic gaps by collecting more in situ measurements of microclimate conditions to further enhance the spatiotemporal resolution of global soil temperature products for ecological applications

A century of trends in adult human height

Being taller is associated with enhanced longevity, and higher education and earnings. We reanalysed 1472 population-based studies, with measurement of height on more than 18.6 million participants to estimate mean height for people born between 1896 and 1996 in 200 countries. The largest gain in adult height over the past century has occurred in South Korean women and Iranian men, who became 20.2 cm (95% credible interval 17.5-22.7) and 16.5 cm (13.3-19.7) taller, respectively. In contrast, there was little change in adult height in some sub-Saharan African countries and in South Asia over the century of analysis. The tallest people over these 100 years are men born in the Netherlands in the last quarter of 20th century, whose average heights surpassed 182.5 cm, and the shortest were women born in Guatemala in 1896 (140.3 cm; 135.8-144.8). The height differential between the tallest and shortest populations was 19-20 cm a century ago, and has remained the same for women and increased for men a century later despite substantial changes in the ranking of countries

Olfactory communication and social behaviour in the mink (Mustela vison)

Available from British Library Document Supply Centre- DSC:DX94566 / BLDSC - British Library Document Supply CentreSIGLEGBUnited Kingdo

The distribution of faeces by the Sapnish Lynx (Felis pardina)

The distribution of faeces of the Spanish lynx was observed in the Biological Reserve of Dofiana during October 1985. Faeces were non-randomly distributed on tracks through the vegetation, and occurred more frequently than expected beside intersections of deer trails with the tracksPeer Reviewe

Importance of pollinators in changing landscapes for world crops

The extent of our reliance on animal pollination for world crop production for human food has not previously been evaluated and the previous estimates for countries or continents have seldom used primary data. In this review, we expand the previous estimates using novel primary data from 200 countries and found that fruit, vegetable or seed production from 87 of the leading global food crops is dependent upon animal pollination, while 28 crops do not rely upon animal pollination. However, global production volumes give a contrasting perspective, since 60% of global production comes from crops that do not depend on animal pollination, 35% from crops that depend on pollinators, and 5% are unevaluated. Using all crops traded on the world market and setting aside crops that are solely passively self-pollinated, wind-pollinated or parthenocarpic, we then evaluated the level of dependence on animal-mediated pollination for crops that are directly consumed by humans. We found that pollinators are essential for 13 crops, production is highly pollinator dependent for 30, moderately for 27, slightly for 21, unimportant for 7, and is of unknown significance for the remaining 9. We further evaluated whether local and landscape-wide management for natural pollination services could help to sustain crop diversity and production. Case studies for nine crops on four continents revealed that agricultural intensification jeopardizes wild bee communities and their stabilizing effect on pollination services at the landscape scale