Factors Influencing Customer\u27s Acceptance of Islamic Banking Products and Services

The emergence of Islamic banking system has had a huge impact on the financial industry. This research attempts to identify the influential factors that are associated with Islamic banking adoption between the Muslim and non-Muslim populations in Sarawak, Malaysia. With the “adoption of Islamic banking” as the dependent variable, this study studies its relationship with seven independent variables. They are, four attributes of innovation, namely; 1) relative advantage, 2) compatibility, 3) observability and 4) complexity, and three additional variables namely; 5) perceived risk, 6) perceived trust and 7) customer innovativeness. A convenient sampling method is used whereby a questionnaire is administered to 436 respondents in Sarawak, Malaysia. Using the logistic regression method, three factors; 1) compatibility, 2) relative advantage/observability and 3) complexity are found to have significant relationship with customers\u27 adoption of Islamic banking products and services

Pengaruh Kebijakan Spin-off, Beban Operasional Pendapatan Operasional (Bopo), Dana Pihak Ketiga (Dpk), dan Non Performing Financing (NPF) terhadap Profitabilitas Perbankan Syariah di Indonesia

The purpose of this study is to examine the effect of independent variables on profitability of islamic banking in Indonesia for the period of 2008 to 2015. Independent variables used in this study are spin-off policy, operating expense to operating income (OEOI), third party fund, and non performing financing (NPF). The method that used for this study is purposive sampling, from 12 islamic banking in Indonesia, 6 islamic banking are choosed as the sample in this study. The type of data used in this study is secondary which is financial statement. Collecting data technique used in this study is documentary.Data is analyzed by statistical analysis using a multiple regression analysis. The data is processed by IBM Statistical Package for Social Science (SPSS) 20th version program. The result of the study show that 48,7% dependent variable or profitability ratio can be explained by the four of independent variables. Silmutaneously the four of independent variables have effect on profitabilit. Individually spin-off policy and third party fund have not effect on profitability. Meanwhile, operating expense to operating income varibles have effect significant on profitability

Kontribusi Minat Siswa, Peluang Kerja Dan Dukungan Orang Tua Terhadap Pemilihan Kompetensi Keahlian Akuntansi Siswa SMK Negeri 1 Wonogiri Tahun Ajaran 2012/2013

Tujuan dari penelitian ini adalah: 1) Untuk mengetahui ada tidaknya kontribusi minat siswa terhadap pemilihan kompetensi keahlian akuntansi siswa SMK Negeri 1 Wonogiri tahun ajaran 2012/2013; 2) Untuk mengetahui ada tidaknya kontribusi peluang kerja terhadap pemilihan kompetensi keahlian akuntansi siswa SMK Negeri 1 Wonogiri tahun ajaran 2012/2013; 3) Untuk mengetahui ada tidaknya kontribusi dukungan orang tua terhadap pemilihan kompetensi keahlian akuntansi siswa SMK Negeri 1 Wonogiri tahun ajaran 2012/2013; dan 4) Untuk mengetahui ada tidaknya kontribusi minat siswa, peluang kerja dan dukungan orang tua secara bersama-sama terhadap pemilihan kompetensi keahlian akuntansi siswa SMK Negeri 1 Wonogiri tahun ajaran 2012/2013. Penelitian ini termasuk jenis penelitian deskriptif kuantitatif dengan penarikan kesimpulan melalui analisis statistik. Populasi dalam penelitian ini adalah 180 siswa SMK Negeri 1 Wonogiri tahun ajaran 2012/2013. Sampel diambil sebanyak 120 siswa. Data yang diperlukan diperoleh melalui angket dan dokumentasi. Angket sebelumnya diujicobakan dan diuji validitas serta diuji reliabilitas. Teknik analisis data yang digunakan adalah analisis regresi linier berganda, uji t, uji F, koefisien determinasi dan sumbangan relatif dan efektif. Hasil analisis regresi memperoleh persamaan garis regresi: Y = 23,269 + 0,728X1 + 0,482X2 + 0,437X3. Persamaan menunjukkan bahwa pemilihan kompetensi keahlian akuntansi dipengaruhi oleh minat siswa, peluang kerja dan dukungan orang tua. Kesimpulan yang diambil adalah: 1) ”Ada kontribusi minat siswa terhadap pemilihan kompetensi keahlian akuntansi siswa SMK Negeri 1 Wonogiri tahun ajaran 2012/2013” dapat diterima. Hal ini berdasarkan analisis regresi linier berganda (uji t) diketahui bahwa thitung > ttabel, yaitu 3,591 > 1,981 dan nilai signifikansi ttabel, yaitu 2,327 > 1,981 dan nilai signifikansi ttabel, yaitu 2,048 > 1,981 dan nilai signifikansi Ftabel, yaitu 20,686 > 2,683 dan nilai signifikansi < 0,05, yaitu 0,000. 5) Hasil uji koefisien determinasi (R2) sebesar 0,349 menunjukkan bahwa besarnya pengaruh minat siswa, peluang kerja dan dukungan orang tua terhadap pemilihan kompetensi keahlian akuntansi, adalah sebesar 34,9% sedangkan 65,1% sisanya dipengaruhi oleh variabel lain yang tidak diteliti

Studi Karakteristik Detektor Sodium Iodide dalam Pemanfaatannya sebagai Segmented Gamma Scanner Limbah Radioaktif

THE STUDY OF SODIUM IODIDE DETECTOR CHARACTERISTICS AS PART OF RADIOACTIVE WASTE SEGMENTED GAMMA SCANNER . The study of sodium iodide detector characteristics as part of radioactive waste segmented gamma scanner have been done. The study was conducted in order to establish segmented gamma scanner using sodium iodide detectors as radiation counter. The research purpose to prepare radiation counter for segmented gamma scanner at radioactive waste installation, so it can working optimally on counting radioactivity of radioactive waste. Study of characteristics performed using gamma radiation sources Cs-137 and Co-60 by observing the counting results from some of parameters tested. Based on the testing parameters, sodium iodide detector produce stable counts with the result that can be used as a radiation counter in segmented gamma scanner system. The result of this study shows that the optimal counts was obtained at the setting operation for voltage and amplification both were 800 volt and multiply 8, respectively. This setting operations can be used as reference when using sodium iodide detector as radiation counter

Active involvement of students in co-curriculum (sports) versus generic skills

The active involvement of students in sports activities is viewed from different levels of achievement beginning with the national representation of the residential colleges, faculties, and universities in prestigious sporting events at international levels. The skills that are developed through extra-curricular activities are generic skills. The involvement of students in co-curricular activities can help to shape their generic skills, thus leading to self-promotion in the workplace. Therefore, the purpose of this research was to examine the enhancement of generic skills among engineering and technical students of UTHM who are actively involved in co-curricular activities (sports). This study will focus on identifying the factors of involvement, the level of application among students, and the perceptions of the students through their active involvement in extra-curricular activities (sports). A survey was conducted using a quantitative approach. A general questionnaire, which was designed to fulfil the objectives and to answer the research questions for this study, was distributed to 213 engineering and technical student athletes of UTHM who are actively involved in co-curricular activities (sports). It was found that the engineering and technical student athletes of UTHM agreed that their active involvement in extra-curricular activities (sports) was due to interpersonal, intrapersonal and structural factors. The results showed that out of seven generic skills, three constructs of generic skills, namely communication, teamwork and management, demonstrate a high level of application through active involvement in extra-curricular activities (sports). These findings may also help the university to focus on the development of generic skills in engineering and technical students through co-curricular activities (sports) in addition to producing athletes who are able to create a name for the university at national or international level

Present Status of Marine Radioecology in Jakarta Bay

Operation of nuclear facilities such as research reactor and it’s supporting installation in Serpong Nuclear Area may release controlled  radionuclides to Cisadane River and then it would flow to Jakarta Bay. There are limited marine radioecology studies or radionuclides monitoring  at Jakarta Bay. Therefore monitoring of 239/240Pu and 137Cs was carried out from Tanjung Pasir to Tanjung Kerawang. The ERICA Assessment Tool was used to evaluate radiological risk in the marine environment of Jakarta Bay area. The 137Cs concentration in sea water and sea sediments were in range of  0.17 – 1.17 Bq.m-3 and  0.34 – 1.21 Bq.kg-1, respectively. Moreover,  result of 239/240Pu measurement showed that concentration at sea water and sea sediment were range from &lt; MDA – 0.53 mBq.m-3 and 2.64 – 55.70 mBq.kg-1 respectively. The results of risk analysis were indicated that all the total dose rates per organism were millions time lower than the screening    rate (10 mGy.h-1)

Pengembangan Ketrampilan Sosial Melalui Permainan Semut Guyub pada Anak Kelompok B Semester Gasal Di TK DHARMA WANITA I Patihan Sidoharjo Sragen Tahun 2014/2015

Penelitian ini bertujuan untuk mengembangkan ketrampilan sosial anak melalui permainan semut guyub di TK Dharma Wanita l Patihan Sidoharjo Sragen. Jenis Penelitian adalah Penelitian Tindakan Kelas, subyek penelitian adalah peserta didik kelompok B.Metode pengumpulan data menggunakan metode observasi untuk mengetahui pengembangan ketrampilan sosial anak. Analisis data melalui analisis komparatif untuk menganalisis data kegiatan pengembangan ketrampilan sosial ,yaitu bersedia bermain dengan teman sebaya, membantu memecahkan masalah, bekerjasama, toleransi, mengekspresikan perasaan.Data tentang Ketrampilan Sosial anak dalam pembelajaran diperoleh dari lembar observasi yang dianalisis dengan teknik persentase. Dari hasil penelitian diperoleh rata-rata persentase ketrampilan sosialanak 27%, pada siklus l rata-rata persentase63%, sedangkan siklus ll rata-ratanya 82 %. Hal ini menunjukkan bahwa ketrampilan sosial anak mengalami peningkatan dari sebelum tindakan sampai dilakukan siklus ll. Jadi dapat disimpulkan bahwa permainan semut guyub dalam pembelajaran dapat meningkatkan perkembangan ketrampilan anak.Disini peneliti menyarankan bahwa untuk penelitian selanjutnya agar dapat lebih meningkatkan fungsi darikegiatan bermain pada pembelajaran anak, yang merupakan karya inovasi yang dapat meningkatkan lebih banyak aspek yang harus dikembangkan untuk anak usia dini

A new egg parasitoid for possible biological control of the asiatic maize borer in Malaysia

A species of egg parasitoid tentatively identified as Trichogramma papilionis Nag. was found attacking egg masses of Ostrinia furnacalis Guenee. The life cycle of the parasitoid was completed within 9 days; the egg, larval and pupal stages lastedfor 2,4 and 3 days, respectively. The female: male sex ratio was 3:1, higher than the usual 2:1 sex ratio for Trichogramma spp. Superparasitism was observed whereby 3 individuals were produced from one . host egg. All eggs were parasitized in 4 days at 2:1 (host: parasitoid) ratio. The female parasitoid showed a high degree of searching efficiency and normally parasitized all eggs in a batch before continuing her search for the next egg batch. The female spent 40% of the time searching on the upper surface of a maize leaf, 30% on the lower surface and 30% on the leaf edges. The female searching and parasitization behaviour followed the Type III functional response curve. The female parasitoid showed positive response to the odour ofthe maize leaf, indicating a possibility that a kairomone or contact communication chemical is involved. T. papilionis appeared to be a very efficient egg parasitoid of O. furnacalis and a good candidate for a biological control programme of the pest