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Abstrak :
This article attempts to identify factors affecting participation in payment of irrigation service fees. There are five variables comprising demographic and economic of land variables were tested to find the variables that influenced the participation significantly. The five variables tested consisted of age and formal education as demographic variables; land productivity, land size, and land tenure as the economic of land variables. The results showed that formal education (demographic variable) had positive relationship and land size (economic of land variable) had negative relationship with the participation. Positive relationship between formal education and participation in payment of irrigation service fees meant that the participation increased as farmers’ education increased. Meanwhile, negative relationship between land size and the participation in payment of irrigation service fees showed that the farmers’ participation would increase as the land size owned by farmers decreased. In other words, participation in payment of irrigation service fees was higher among farmers with small lands rather than that among farmers with large lands.

Abstrak :
This article attempts to identify factors affecting participation in payment of irrigation service fees. There are five variables comprising demographic and economic of land variables were tested to find the variables that influenced the participation significantly. The five variables tested consisted of age and formal education as demographic variables; land productivity, land size, and land tenure as the economic of land variables. The results showed that formal education (demographic variable) had positive relationship and land size (economic of land variable) had negative relationship with the participation. Positive relationship between formal education and participation in payment of irrigation service fees meant that the participation increased as farmers’ education increased. Meanwhile, negative relationship between land size and the participation in payment of irrigation service fees showed that the farmers’ participation would increase as the land size owned by farmers decreased. In other words, participation in payment of irrigation service fees was higher among farmers with small lands rather than that among farmers with large lands.

Abstrak :
Besarnya portofolio produk pembiayaan non bagi hasil pada perbankan syariah temyata diikuti oleh peningkatan pembiayaan bermasalah. Padahal produk pembiayaan non bagi basil dianggap sebagai pembiayaan yang memiliki risiko yang lebih kecil dibanding produk pembiayaan bagi hasil. Berawal dari permasalahan tersebut, penelitian ini bertujuan untuk melihat pengaruh produk, sektor usaha, segmentasi dan plafond pembiayaan terhadap penciptaan pembiayaan bermasalah. Agar dapat mencapai tujuan penelitian digunakan model regresi logistik sebagai metode analisisnya. Hasil penelitian menyimpulkan bahwa produk, sektor usaha, segmentasi dan plafond pembiayaan mempunyai pengaruh yang signifikan terhadap penciptaan pembiayaan bermasalah. Produk bagi basil seharusnya menjadi pilihan utama dalam penyaluran pembiayaan. Janis usaha petemakan, perbkanan, industri makanan, minuman dan tembakau, perdagangan eceran, industri kayu dan basil olahan kayu, jasa perumahan sederhana, jasa penunahan mewah, jasa pendidikan merupakan kelompok usaha yang memiliki pangsa pembiayaaan bermasalah yang besar. Segmentasi usaha kecil dan menengah dalam kerangka pembiayaan usaha kecil (UKM-KUK) memiliki pangsa pembiayaan bermasalah yang besar. ...... The amount of non profit sharing financing product portfolio in syariah banking proves to be followed by the increase of non performing financing. Actually, non profit sharing financing is regarded as financing that has smaller risk as compared to profit sharing financing product. Based on that issue, this study is aimed at viewing product influence, business sector, segmentation and financing limit in respect of the creation of non performing financing. To achieve the study objective, logistic regression model is used as its analysis method. The result of the study concludes that product, business sector, segmentation and financing limit have significant impact on the creation of non performing financing. Profit sharing product should be the main option in financing channeling. Livestock business. fishery, food industry, beverage and tobacco, retail business, timber industry and timber products, low cost housing project, luxurious housing project, educational service project are business group that have significant non performing financing share. Small and middle business segmentation in the context of small business financing (UKM-KUK) have significant bad financing share.

Abstrak :
This paper reveals that West Sumatera banking sector are more likely using the availability of collateral for the credit to micro, small and medium enterprises (MSME). Using 384 sample size from MSME in West Sumatera, if a MSME have enough collateral, the probability of their credit application to be rejected by banks will fall from 59.9% to 11.7% comparing to they don?t have enough collateral. This finding proved a credit guarantee scheme is needed, and for the further study it is recommended to conduct research on the characteristic of the potentials of MSME as a credit scoring model for banks.

Penelitian ini membuktikan bahwa perbankan di Sumatera Barat cenderung untuk menggunakan jaminan yang cukup sebagai dasar penolakan dan pemberian kredit yang diajukan Usaha Mikro Kecil dan Menengah (UMKM). Menggunakan data hasil survei dengan ukuran sampel sebanyak 384 UMKM di Sumatera Barat, penulis menemukan bahwa peluang sebuah aplikasi kredit yang diajukan UMKM ditolak akan berkurang dari 59,9% menjadi 11,7% jika UMKM tersebut memiliki jaminan yang cukup. Hasil penelitian ini merekomendasikan pentingnya sistem penjaminan kredit untuk UMKM dan sekaligus merekomendasikan untuk melakukan penelitian lanjutan untuk mengindentifikasi karakteristik UMKM yang memiliki potensi yang baik dan pembuatan model kredit scoring.

Abstrak :
Kota Bogor berada di tengah wilayah Kabupaten Bogor serta lokasinya cukup dekat dengan lingkup Jabodetabek sehingga mobilitas masyarakat semakin tinggi. Namun, terdapat beberapa layanan angkutan umum yang tidak efisien di Kota Bogor sehingga diperlukan alternatif untuk meningkatkan layanan angkutan umum di Kota Bogor. Penelitian ini bertujuan untuk menganalisis preferensi masyarakat terhadap layanan Trem di Kota Bogor. Metode analisis pada penelitian ini menggunakan model logit biner yang dibangun berdasarkan hasil data survei primer dengan metode Stated Preference. Model fungsi utilitas dibangun dengan pendekatan regresi logistik yang dikelompokkan berdasarkan karakteristik perjalanan dan moda transportasi. Pembentukan fungsi utilitas pada setiap kelompok dibangun dengan variabel yang berkorelasi dan signifikan berdasarkan uji korelasi Spearman serta terpilih melalui metode stepwise. Setiap fungsi utilitas diuji kelayakannya dengan uji Omnibus Test of Model Coefficients, Hosmer and Lameshow Test, Overall Percentage, -2 Log Likelihood, dan Nagelkerke R Square. Selanjutnya dilakukan uji validasi antara data real dengan data model menggunakan Root Mean Square Error (RMSE). Setelah itu, dilakukan pemilihan model terbaik berdasarkan hasil uji kelayakan dan validasi serta dilakukan pengujian komparasi menggunakan Mann-Whitney. Berdasarkan hasil analisis, ditetapkan enam model terpilih dengan variabel yang paling berpengaruh terhadap preferensi masyarakat, yaitu tarif, waktu tunggu, penghematan waktu, dan selisih biaya. Potensi penggunaan layanan Trem berdasarkan preferensi tarif Rp5.500 pada kendaraan umum eksternal sebesar 93.96%, pada kendaraan mobil internal sebesar 76.69%, dan pada kendaraan motor eksternal sebesar 93.36%. Sedangkan tingkat potensi penggunaan layanan Trem berdasarkan preferensi waktu tunggu 5 menit pada kendaraan umum internal sebesar 91.88% dan pada waktu tunggu 10 menit sebesar 86.39%. ......Bogor City is located in the middle of Bogor Regency and is quite close to the Jabodetabek area, resulting in higher community mobility. However, there are several inefficient public transport services in Bogor City so that alternatives are needed to improve public transport services in Bogor City. This study aims to analyze people's preferences for Tram services in Bogor City. The analysis method in this study uses a binary logit model built based on the results of primary survey data with the Stated Preference method. The utility function model was built with a logistic regression approach grouped by travel characteristics and transportation modes. The formation of utility functions in each group was built with variables that were correlated and significant based on the Spearman correlation test and selected through the stepwise method. Each utility function was tested for feasibility using the Omnibus Test of Model Coefficients, Hosmer and Lameshow Test, Overall Percentage, -2 Log Likelihood, and Nagelkerke R Square. Furthermore, a validation test is carried out between real data and model data using Root Mean Square Error (RMSE). After that, the best model selection was carried out based on the results of the feasibility and validation tests and comparative testing using Mann-Whitney. Based on the results of the analysis, six models were selected with the most influential variables on public preferences, namely tariff, waiting time, time savings, and cost difference. The potential use of Tram services based on tariff preferences of Rp5,500 on external public vehicles amounted to 93.96%, on internal car vehicles amounted to 76.69%, and on external motor vehicles amounted to 93.36%. While the level of potential use of Tram services based on 5-minute waiting time preferences on internal public vehicles amounted to 91.88% and at a waiting time of 10 minutes amounted to 86.39%.

Abstrak :
Using Logistic Regression and Hedonic Price Model, this study aims to find the social-economic factors infuencing the demand and willingness to pay (WTP) for clean water supply and proper sanitation. This study find that education and age of household head are the affecting factors. Also, it found that per capita expenditure aects the availibilty of access for sanitation and clean water for all household group. WTP for clean water and sanitation in urban is greater than in rural. In additions, WTP of non poor households are greater than poor household, except for urban area.