Purpose This paper aims to integrate and examine three loyalty routes (i.e. service quality, emotional attachment and religiosity) in developing customer loyalty towards Islamic banking. Design/methodology/approach Data were collected from 412 Islamic bank customers from Indonesia. Variance-based structural equation modelling was applied to evaluate the association between service quality, emotional attachment, religiosity and customer loyalty. Findings This study reveals that customer loyalty is more driven by emotional attachment and religiosity rather than by perceived service quality. Although not directly affecting customer loyalty, service quality strengthens customer satisfaction towards Islamic banks. Practical implications This study provides an opportunity for Islamic bank managers to increase their customer loyalty through the development of emotional attachment and religiosity. To improve customer loyalty, this study suggests that Islamic banks have to provide prompt, accurate and non-personal service. It is also important for Islamic bank managers to keep the bank operation compliant with the Sharia law. Originality/value This study is the first attempt to assess the three loyalty routes simultaneously in influencing customer loyalty.

The purpose of this study are to measure and analyze operational efficiency that showed by bank financial ratios consisting of Operating Expenses to Operating Revenues (BOPO), Allowance for Possible Losses on Earning Assets (PPAP), Non Performing Financing (NPF) and Financing to Deposits Ratio (FDR) to Profitability that measured by Return on Assets (ROA). The population in this research is 11 Islamic Banking (BUS) by using total sampling technique in determine the sample. The data used in this study is secondary data obtained from the annual report of the bank period 2010 to 2016 published by each bank and matched with the data also by the Financial Services Authority (OJK). The analysis technique used is panel data regression analysis. Based on the result of F-test in this research, it can be concluded that the independent variables (operational efficiency) have a significant effect on the dependent variable (profitability). Meanwhile, the t-test shows that BOPO ratio has a significant negative effect on profitability. For the other three ratios, PPAP, NPF and FDR have no significant effect on profitability of Islamic Banks (BUS).Keywords: Islamic banks; Operational efficiency; Profitability. AbstrakPenelitian ini bertujuan untuk mengukur dan menganalisis pengaruh efisiensi operasionalyang diproksikan dengan rasio keuangan bank yang terdiri dari rasio Biaya Operasionalterhadap Pendapatan Operasional (BOPO), Penyisihan Penghapusan Aktiva Produktif(PPAP), Non Performing Financing (NPF) dan Financing Deposit Ratio (FDR) terhadapprofitabilitas yang diukur dengan Return on Asset (ROA). Populasi dalam penelitian ini adalah 11Bank Umum Syariah (BUS) dengan penggunaan teknik total sampling dalam penentuansampelnya. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperolehdari laporan tahunan bank periode 2010 hingga 2016 yang dipublikasikan oleh masing-masing bank dan dicocokkan dengan data yang juga dipublikasikan oleh Otoritas JasaKeuangan (OJK). Teknik analisis yang digunakan adalah analisis regresi data panel. Berdasarkan hasil uji-F pada penelitian ini, dapat disimpulkan bahwa variabel independen (efisiensi operasional) berpengaruh signifikan terhadap variabel dependen (profitabilitas). Sementara itu, hasil uji-t menunjukkan bahwa rasio BOPO berpengaruh negatif signifikanterhadap profitabilitas. Untuk tiga rasio lainnya yaitu PPAP, NPF dan FDR tidak memilikipengaruh signifikan terhadap profitabilitas Bank Umum Syariah (BUS).Kata Kunci: Bank syariah; Efisiensi operasional; Profitabilitas.

Islamic banking has continued weakening of growth in Depositor Funds gathers. The lowest growth occurred in the year 2015 which growth reached 6.11%. The purpose of this research was to find out what internal factors that can affect the growth of Depositor Funds of Islamic banking in Indonesia. Internal factors that supposedly influential include: Operating Espenses to Operating Revenue (BOPO), Training Costs, Promotion Cost, Financing to Deposit Ratio (FDR), the number of office network, and Non-Performing Financing (NPF). This research hypothesis testing using the analysis with the model of Structural Equation Models (SEM). The analysis used Partial Least Square (PLS), so it can be known how much of the independent variables are observed with influential factors hypothesized. The research found that the latent variable Internal factors influence on Depositor Funds. The variable encompasses Internal factors explaining the Depositor Funds amounting to 15.6%, the rest is explained by other variables that are not included in this research model.

Objectives  To describe the experiences of persons with permanent colostomy regarding their quality of life. Methods  The study design used descriptive phenomenology following the approach of Collaizzi. There were 12 participants who qualified using purposive sampling based on the inclusion criteria.The data generated were in-depth interviews. Analysis and interpretation used verbatim descriptions. Results  The research data revealed seven themes, namely: limitation in daily living activities, limitations in marital relations and social relationship with others, negative feelings about having the colostomy, financial difficulties, increasing demands of living with colostomy, changes in the needs of rest, physical and expectation of complications, and hoping to live a normal life after colostomy. Conclusion  This study revealed that persons with permanent colostomy experience difficulties and limitations pertaining to daily living activities, including marital and social relations. Importantly, they experience psychological concerns, e.g. having negative feelings about ways of living their lives, including financial difficulties and adjusting to new ways of living. However, there is always the hope to live a normal life. This study provides an understanding of the quality of life of persons with permanent colostomy, allowing nurses to provide appropriate nursing care.

Aim:The aim of this study was to evaluate the antimycobacterial activity of the Curcuma xanthorrhiza ethanolic extract in vitro.Materials and Methods:Ethanolic extract of C. xanthorrhiza was set by maceration method. The broth microdilution and disc diffusion method were used to determine the minimal inhibitory concentration (MIC) and minimal bactericidal concentration (MBC), respectively, of C. xanthorrhiza ethanol extract on strain Mycobacterium tuberculosis H37Rv.Results:C. xanthorrhiza ethanol extract was found to have the antimycobacterial effects with a MIC value of 1600 μg/ml while MBC value of 3200 μg/ml for M. tuberculosis H37Rv.Conclusion:From these findings , it can be concluded that C. xanthorrhiza ethanol extract have an antibacterial activity against Mycobacterium tuberculosis H37Rv in vitro and its potency elevated by increasing the C. xanthorrhiza ethanol extract concentration.

Pangsa pasar yang dapat dikuasai Industri Keuangan Syariah Non-Bank masih terbilang kecil, sehingga penelitian ini bertujuan untuk melihat adanya pengaruh Return on Assets (ROA), Return on Equity (ROE), Biaya Operasional Pendapatan Operasional (BOPO), dan Inflasi terhadap Pangsa Pasar Industri Keuangan Syariah Non-Bank. Data yang digunakan adalah data sekunder yang merupakan penggabungan antara data time series dan cross section, sehingga menjadi data panel. Populasi dalam penelitian ini adalah IKNB Syariah di Indonesia yang terdaftar di Otoritas Jasa Keuangan sebanyak lima sektor, sedangkan sampel penelitian ini yaitu tiga sektor Industri Keuangan Non-Bank Syariah yang tersedia laporan keuangan bulanannya. Metode analisis data penelitian ini menggunakan analisis regresi linear berganda dengan program SPSS versi 18. Beradasarkan hasil pengujian, data yang digunakan terdistribusi normal dan memenuhi seluruh kriteria uji asumsi klasik. Hasil penelitian ini juga menunjukkan bahwa terdapat pengaruh negatif dari ROA dan BOPO terhadap pangsa pasar, sedangkan ROE memiliki pengaruh positif terhadap pangsa pasar. Variabel Inflasi tidak memiliki pengaruh terhadap pangsa pasar. Kontribusi keseluruhan variabel independen terhadap variabel dependen yaitu Pangsa Pasar adalah sebesar 67%, sedangkan sisanya ditentukan oleh variabel lain yang tidak diteliti dalam penelitian ini.

Recently mangrove ecosystems are constantly under pressure as a result of various human activities. Utilization of mangrove forests fullest possible without damaging the forest ecosystem is one of them is for recreation limited by means of ecotourism. The purpose of this study was to determine and analyze the suitability of mangrove eco-tourism in the regency of Malang. The method used in this research is descriptive method, using the techniques of research interviews and observation. The results showed that the mangrove vegetation found in the South Beach regency of Malang, there stands the main mangrove species, namely the Sonneratia alba, Rhizophora mucronata. Suitability index mangrove area for ecotourism activities in the South Coast Malang included in the appropriate category.Keywords : mangrove, ecotourism, index, mangrove utilization ABSTRAK Akhir-akhir ini ekosistem mangrove secara terus-menerus mendapatkan tekanan akibat berbagai aktivitas manusia. Pemanfaatan hutan mangrove yang paling memungkinkan tanpa merusak ekosistem hutan tersebutsalah satunya adalah untuk rekreasi terbatas dengan cara ecotourism. Tujuan penelitian ini adalah untuk mengetahui dan menganalisis tingkat kesesuaian ekowisata mangrove di wilayah Kabupaten Malang. Metode yang digunakan dalam penelitian ini adalah metode deskriptif, dengan menggunakan teknik penelitian wawancara dan observasi. Hasil penelitian menunjukkan bahwa vegetasi mangrove yang ditemukan di Pantai Selatan Kabupaten Malang terdapat jenis mangrove utama tegakan, yaitu bogem (Sonneratia alba Sm.), bakau (Rhizophora mucronata Lamk). Indeks kesesuaian kawasan untuk kegiatan ekowisata mangrove di Pantai Selatan Kabupaten Malang termasuk dalam kategori sesuai.

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