Penerapan Metode Multiple Discriminant Analysis untuk Mengukur Tingkat Kesehatan yang Mengindikasikan Gejala Financial Distress pada Bank Umum Syariah

This research aims to account, analyse and compare the level ofIslamic commercial bank\u27s health using CAMELS method mentioned in PBI No.9/1/PBI/2007 and SEBI No 9/24/DPbS/2007 and using multiple discriminant analysis (MDA) altman z-score method. There are only four of six factors that used in CAMELS: capital, asset, earning and liquidity excluding Management and Sensitivity of Market Risk factor. The variables of capital factors are KPMM and ECR ratio. Asset factor consist of KAP and NPF ratio. Earning factor contains four ratios, such as NOM, ROA, ROE and REODOI: 10.15408/aiq.v5i2.256

Pengukuran Kualitas Layanan Sistem Informasi Akademik Menggunakan Metode Webqual 4.0

- Perkembangan IT yang pesat menjadikan website sebagai bagian yang tidak terpisahkan dari sebuah lembaga pendidikan dalam hal layanan bagi civitas akademika, dosen, mahasiswa, dan tenaga kependidikan. Layanan suatu sistem informasi akademik berbasis web perlu diukur untuk mengetahui tingkat kepuasan pengguna. Dalam penelitian ini, kualitas webite sistem akademik universitas diukur dengan menggunakan metode WebQual 4.0. WebQual merupakan instrumen yang menilai kualitas suatu website menurut perspektif pengguna akhir. Analisis Regresi Linear Berganda digunakan utuk menguji hubungan antar variabel dari WebQual 4.0 dengan User Satisfaction (kepuasan pengguna). Dari hasil penelitian dapat disimpulkan bahwa hanya satu variabel WebQual 4.0, yaitu Service Interaction Quality yang berpengaruh signifikan terhadap User satisfaction (kepuasan pengguna) website sistem akademik universitas

Pengukuran Tingkat Kesehatan dan Gejala Financial Distress Bank Umum Syariah

: Measurement of Financial Soundness and Financial Distress Symptom of Commercial Bank. This study aims to measure, analyze and compare the level of Islamic Banks (BUS) soundness using the CAMELS and the Multiple ECR method. The results of the CAMEL analysis show that the three Islamic banks studied are healthy. However, the results of the MDA analysis suggest that those three banks are categorized bankrupt. This conflicting finding indicates that MDA method is not appropriate to assess commercial banks. This is because the natures of commercial bank as a financial intermediary are much different from those of the company

On the ubiquity of molecular anions in the dense interstellar medium

Results are presented from a survey for molecular anions in seven nearby Galactic star-forming cores and molecular clouds. The hydrocarbon anion C6H- is detected in all seven target sources, including four sources where no anions have been previously detected: L1172, L1389, L1495B and TMC-1C. The C6H-/C6H column density ratio is greater than about 1.0% in every source, with a mean value of 3.0% (and standard deviation 0.92%). Combined with previous detections, our results show that anions are ubiquitous in dense clouds wherever C6H is present. The C6H-/C6H ratio is found to show a positive correlation with molecular hydrogen number density, and with the apparent age of the cloud. We also report the first detection of C4H- in TMC-1 (at 4.8-sigma confidence), and derive an anion-to-neutral ratio C4H-/C4H = (1.2 +- 0.4) x 10^-5 (= 0.0012 +- 0.0004%). Such a low value compared with C6H- highlights the need for a revised radiative electron attachment rate for C4H. Chemical model calculations show that the observed C4H- could be produced as a result of reactions of oxygen atoms with C5H- and C6H-

Early Diagenesis of Plitvice Lakes Waterfall and Barrier Treavertine Deposits

Travertine forms spectacular waterfalls, barriers, and subaqueous finegrained lake-fill accumulations throughout the Plitvice National Park, Croatia, northwestern Yugoslavia. Barrier deposits form dams, behind which, the lakes of the Plitvice complex are situated. Three generations of low-magnesian calcite spar comprise the waterfall and barrier forming travertines. The initial precipitates generally are composed of cloudy, very finely to medium crystalline equant to bladed spar. A later generation is composed of clear, isopachous layers of medium to coarsely crystalline bladed crystals. Additionally, centimeter-thick laminated speleothem-like crusts, composed of clear, bladed to columnar spar, are the common precipitates around micritic accumulations within the older travertine. In comparison, the lake-fill deposits are primarily composed of moderately (recent lake-fill deposits) to well-developed (relict lake-fill deposits) 3-8 ^m calcite rhombohedrons. Petrographie analyses clearly show that cyanobacteria, fungi, and/or other microbial organisms bore into the spar and micritize it. This sparmicritization is pervasive throughout the waterfall and barrier deposits. Bladed spar crystals range from those which are pristine to those whose original bladed morphology can only be interpreted by comparison with laterally adjacent crystals. Individual samples display multiple generations of spar which have undergone various degrees of sparmicritization. Sparmicritization results in a thoroughly micritized accumulation in which evidence of the original spar composition has been completely obliterated.Le travertin est à l'origine de la formation de chutes spectaculaires, de barrières et de dépôts lacustres subaquatiques à grains fins partout dans le parc national Plitvice, en Croatie. Les barrières de travertin forment des barrages derrière lesquels est situé le complexe des lacs Plitvice. La chute et les barrières de travertin comprennent trois générations de sparites de calcite à basse teneur de magnésium. Les précipitations initiales sont généralement composées de sparite à cristaux impurs très fins à moyens allant de la forme isométrique à celle de la lame. Une génération subséquente est constituée de couches transparentes isopaques de cristaux plus ou moins fins en forme de lame. De plus, les croûtes laminées de l'ordre du centimètre, constituées de sparite en lame ou colonnaire, représentent le type de précipitations habituellement observées autour des accumulations de micrite à l'intérieur des plus anciens travertins. Par contre, les dépôts de remblaiement lacustre comprennent surtout des rhomboèdres de calcite de 3 à 8 p.m. Les analyses pétrographiques montrent clairement que les cyanobactéries, les champignons ou autres organismes microbiens creusent la sparite et la micritise. Cette micritisation de la sparite est répandue partout dans la chute et les dépôts de barrière. Les cristaux de sparite en lame comprennent ceux qui sont anciens et ceux dont la morphologie originelle en lame ne peut être interprétée qu'à l'aide des cristaux latéraux adjacents. Certains échantillons montrent de nombreuses générations de sparites qui ont subi une micritisation plus ou moins intense. La micritisation de la sparite résulte en une accumulation complètement micritisée où la composition originelle de la sparite a été oblitérée.Kaiktuff bildet pràchtige Wasserfàlle, Barrieren und feinkômige Unterwasser-Seeablagerungen quer durch den gesamten Nationalpark von Plitvice, Kroatien, nordwestliches Jugos-lawien. Die Travertin-Barrieren bilden Dàrnme, hinter denen sich die Gesamtheit der Seen von Plitvice befindet. Der Wasserfall und die Travertin-Barrieren umfassen drei Generationen von Kalkspat mit niedrigem Magnesiumgehalt. Die anfànglichen Ausscheidungen bestanden im allgemeinen aus Spat mit trùben, sehr feinen bis mittleren Kristallen von isometrischer Form bis Plàttchen-Form. Eine spâtere Generation besteht aus klaren, isopachen Schichten von mittleren bis grob kristallinischen Plâttchen-Kristallen. AuGerdem sind zentimeterdicke blàttrige Krusten, bestehend aus reinem blattbis saulenfôrmigem Spat die ùblichen Ausscheidungen um die mikritische Akkumulationen innerhalb der âlteren Travertine. Hingegen bestehen die See-auffùllungs-Ablagerungen vor allem aus mâBig (neuere Seeauffùllungs-Ablagerungen) bis gut entwickelten (frùhere See-auffùllungs-Ablagerungen) Kalkspat-Rhom-boedern von 3-8 jj.m. Die Gesteinsanalysen zeigen deutlich, daB die Zyanbakterien, Pilze und andere Mikroorganismen den Spat aushôhlen und ihn mikritisieren. Dièse Spat-Mikritisierung durchdringt den Wasserfall und die Barriereablagerungen. Die Spatplattchenkristalle reichen von den ursprùnglichen bis zu denen, deren ursprungliche Plâttchenmorphologie nur durch Vergleich mit lateral angrenzenden Kristallen interpretiert werden kann. Einzelne Proben zeigen zahlreiche Generationen von Spat, die verschiedene Grade der Spat-Mikritisierung durchlaufen haben. Spat-Mikritisierung fùhrt zu einer Mikritisierungs-Anhâufung, in welcher die ursprungliche Spatzusammensetzung getilgt worden ist

Kinetic Study of Esterification Reaction

The Esterification kinetics of acetic acid with ethanol in the presence of sulfuric acid as a homogenous catalyst was studied with isothermal batch experiments at 50-60°C and at a different molar ratio of ethanol to acetic acid [EtOH/Ac]. Investigation of kinetics of the reaction indicated that the low of [EtOH/Ac] molar ratio is favored for esterification reaction, this is due to the reaction is catalyzed by acid. The maximum conversion, approximately 80% was obtained at 60°C for molar ratio of 10 EtOH/Ac. It was found that increasing temperature of the reaction, increases the rate constant and conversion at a certain mole ratio, that is due to the esterification is exothermic. Activity coefficients were calculated using UNIFAC program. Results showed deviation in activation energy in the non-ideal system of about 20% this is due to the polarities of water and ethanol compared to the non-polar ethyl acetate this dissimilarity leading to strong non- ideal behavior. The homogenous reaction has been described with simple power-law model. The chemical equilibrium combustion calculated form the kinetic model in agreement with the measured chemical equilibrium