Implikasi Peran Dan Fungsi Pengawasan Bank Syariah Di Indonesia Pasca UU No. 21 Tahun 2011

The growth of the Sharia banking system in Indonesia is considered a measure of Sharia's economic success. The Indonesian Sharia Banking Supervision is responsible for regulating sharia banking activities. It is important to note that this information is from a regulatory point of view. The regulation and supervision of sharia banking activities are based on amendments to Act No. 3 of 2004 on the Bank of Indonesia, No. 23 of 1999, and Law No. 21 of 2008. After the passing of OJK Act No. 21 in 2011, Indonesian banks were granted the authority to oversee Sharia banks, which were then transferred to the JSC. The Financial Services Authority was formed due to concerns from various parties about the supervisory function of Indonesian banks in regulating Sharia banking. The JSC does not directly monitor all activities of Sharia institutions, but rather ensures that certain aspects are overseen by other institutions, such as the DPS (Dewan Pengawas Syariah).  The DPS is responsible for overseeing Sharia Financial Institutions, and is registered based on the approval of the National Sharia Council (DSN). The objective of the OJK is to meet and protect the needs and interests of the public, create a stable and sustainable financial system, and implement a financial system based on the principles of good governance, which include accountability, transparency, and independence.

Chitosan Encapsulatedpolygalacturonase its Kinetic Characterisation for Industrial Expolitation

Polygalacturonase (PG) is a group of pectinases that possess hydrolytic functions and are capable to cleave the a-1, 4 glycosidic bonds between the two non-esterified galacturonic acid residues in pectin and pectic substances. These enzymes are used commercially, such as paper, textile, cellulose, and food industries and have many important industrial applications. It is the most important tool for the purification of galacturonic acid and degradation of pollutants. In the present study substrates orange peel and sugar cane bagasse were used for the production of galacturonic enzymes by Trichoderma hazrianum through Solid State Fermentation (SSF). The highest yield of enzymes produced was 183.0U/mL. This highest yield was obtained at pH7 temperature 35?C, inoculums size 5mL, moisture level 70%, and days of incubation5 nitrogen level 2g.The purified enzyme has been further selected for ammonium sulphate precipitation and gel filtration chromatography. The purified enzyme has been characterized through enzymatic kinetic for study of its characterization temperature 45?C, pH8 and Km0.25, Vmax0.05 values. The immobilization was observed through chitosan. The immobilized enzyme showed the highest activity at temperature 45?C and pH6. For industrial application its activity was observed to decrease turbidity and increase fruit juice clarification.