ANALISIS KONTRIBUSI PEMBIAYAAN MURABAHAH PADA PENINGKATAN PENDAPATAN USAHA MIKRO KECIL MENENGAH DI BMT MASLAHAH

Abstract This study aims to determine the contribution of Murabahah financing to business income of BMT Maslahah. Financing is the second product after savings which is used for the distribution of funds to be used by customers in various financing, while Murabahah financing is a type of financing used in the practice of buying and selling goods with a profit system. This murabaha product has minimal risk because there is no loss sharing like a mudharabah, so it becomes a reference for BMTs to become part of the income in the form of profit contributions through Murabahah products. Furthermore, this research is a type of descriptive qualitative research where the researcher conducts fieldwork to obtain information from informants who will later analyze the data to obtain optimal data validity in the results. The results of this study are the contribution of Murabahah financing at BMT Maslahah Bulak Banteng Surabaya that this product provides progress to the continuity of BMT operations consisting of BMT staffing to BMT operational expenses then from the customer side as additional capital. Keywords: Contribution, Murabaha Financing, Income BM

Perasan Kulit Jeruk Nipis (Citrus aurantifolia, Swingle) Menghambat Pertumbuhan Escherichia coli Secara In Vitro

Tujuan penelitian ini adalah mengetahui daya hambat kulit jeruk nipis terhadap pertumbuhan E. coli. Isolat dibiakan pada media Muller Hinton Agar (MHA). Uji antibakteri menggunakan metode difusi. Kontrol negatif (K-) menggunakan CMC Na 0,1%. Kontrol positif (K+) menggunakan antibiotik oksitetrasiklin. Perlakuan diberikan perasan kulit buah jeruk nipis (Citrus aurantifolia, Swingle) dengan masing - masing konsentrasi 100%, 75%, 50% dan 25%. Rancangan penelitian menggunakan metode Rancangan Acak Lengkap (RAL), dengan enam perlakuan dan empat pengulangan. Data diuji dengan Kruskal-Wallis, dilanjutkan uji Post Hoc Mann-Whitney. Hasil analisis zona hambat menunjukkan, K+ memiliki perbedaan yang nyata dengan semua perlakuan K-, 100%, 75%, 50%, dan 25%. K- ditemukan berbeda nyata dengan perlakuan 100%, 75%, 50% dan 25%. Hasil penelitian menunjukkan bahwa perasan kulit jeruk nipis mempunyai potensi sebagai aktivitas antibakteri terhadap pertumbuhan E. coli secara in vitro. Konsentrasi 25% sudah menunjukkan adanya zona hambat pada media Mueller Hinton yang sudah diinokulasikan dengan perasan kulit buah jeruk nipis. Kata kunci: antibakteri, Escherichia coli, perasan kulit jeruk nipis, zona hamba