Judul: The Impact of Financial Literacy, Personal Financial Planning, and Income on Interest in Life Insurance among the Sandwich Generation in Jabodetabek
Abstrak: Masyarakat Indonesia memiliki skor kesehatan finansial mencapai 41,16% di tahun 2023. Faktor penentu dalam kesehatan finansial yaitu financial safety dan financial growth. Hal tersebut sejalan dengan penyebab meningkatnya generasi sandwich di Indonesia yaitu tidak terciptanya financial freedom. Sebanyak 51% generasi muda merupakan generasi sandwich. Peningkatan juga terjadi pada kepemilikan asuransi jiwa sebesar 30,4% per 2022. Tujuan penelitian ini adalah mengidentifikasi tingkat dan pengaruh financial literacy, personal financial planning serta pendapatan terhadap minat beli asuransi jiwa pada generasi sandwich. Data yang digunakan merupakan data primer dan sekunder dengan metode analisis SEM-PLS yang dilaksanakan pada Maret - Mei 2024. Hasil penelitian menunjukkan bahwa personal financial planning berpengaruh secara signifikan terhadap minat beli asuransi jiwa, sedangkan financial literacy dan pendapatan tidak berpengaruh secara signifikan terhadap minat beli asuransi jiwa., The Indonesian society has achieved a financial health score of 41.16% in 2023. Determining factors in financial health include financial safety and financial growth. This correlates with the increasing prevalence of the sandwich generation in Indonesia, attributed to the lack of financial freedom. 51% of the younger generation are part of the sandwich generation. There has also been a 30.4% increase in life insurance ownership as of 2022. The objective of this research is to identify the levels and influence of financial literacy, personal financial planning, and income scale on life insurance interest among the sandwich generation. The study utilizes primary and secondary data analyzed using the SEM-PLS method conducted between March May 2024. The research findings indicate that personal financial planning significantly influences life insurance interest, whereas financial literacy and income do not significantly impact life insurance interest.
Keyword: literasi keuangan

Judul: Financial Literacy, Financial Self-Efficacy, Future Orientation and Theory of Planned Behaviour of Retirement Fund Interest
Abstrak: Indonesia memiliki angkatan kerja yang tinggi, namun hanya 6% atau 3.990.234 orang yang menjadi anggota dana pensiun. Berdasarkan survei DPLK tahun 2020 hanya 14% generasi milenial yang memiliki program pensiun, padahal generasi ini paling rentan menghadapi pensiun. Tujuan penelitian ini adalah untuk mengidentifikasi tingkat literasi keuangan, financial self-efficacy, orientasi masa depan dan faktor-faktor theory of planned behavior yang memengaruhi minat investasi dana pensiun pada generasi milenial. Data yang digunakan berupa data primer dan sekunder dengan metode analisis menggunakan SEM-PLS. Penelitian dilaksanakan di Jabodetabek pada bulan Maret-Juli 2023. Hasil penelitian menunjukkan bahwa minat investasi dana pensiun generasi milenial dipengaruhi secara signifikan oleh orientasi masa depan, attitude toward behavior, dan perceived behavioral control. Literasi keuangan, financial self-efficacy, dan subjective norm memiliki arah pengaruh positif namun tidak signifikan terhadap minat investasi dana pensiun. Implikasi penelitian ini menunjukkan bahwa tingkat literasi keuangan, financial self-efficacy, dan orientasi masa depan yang baik akan berdampak positif terhadap minat investasi dana pensiun seseorang. Oleh karena itu, perlu adanya upaya untuk meningkatkan literasi keuangan dana pensiun, financial self-efficacy, dan orientasi masa depan pada generasi milenial guna mengajak mereka berinvestasi dana pensiun demi mencapai keuangan yang lebih stabil ketika memasuki masa pensiun., Indonesia has a high labor force, but only 6% or 3,990,234 people are members of pension funds. Based on a 2020 DPLK survey, only 14% of millennials have a pension plan, even though this generation is most vulnerable to retirement. The purpose of this study is to identify the level of financial literacy, financial self-efficacy, future orientation and theory of planned behavior factors that influence pension fund investment interest in the millennials. The data used are primary and secondary data with the analysis method using SEM-PLS. The research was conducted in Jabodetabek in March-July 2023. The results showed that millennials' pension fund investment interest was significantly influenced by future orientation, attitude towards behavior, and perceived behavioral control. Financial literacy, financial self-efficacy, and subjective norm have a positive but insignificant direction of influence on pension fund investment interest. The implications of this study indicate that a good level of financial literacy, financial self-efficacy, and future orientation will have a positive impact on pension fund investment interest. Therefore, it’s necessary to increase the financial literacy of pension funds, financial self-efficacy, and future orientation in millennials to encourage them to invest in pension funds in order to achieve more stable finances during retirement.
Keyword: financial literacy, financial self-efficacy, future orientation, millenials, pension fund

Judul: Identifikasi Isolat Bakteri Tahan Krom(VI) dan Pengujian Aktivitas Enzim Krom(VI) Reduktase
Abstrak: Cr(VI) (chromate) is a toxic, soluble environmental contaminant. A Gram-negative, Cr(VI)-resistant bacterium, has been isolated from effluent of electroplating wastewater treatment reactor. This strain had maximum identity value as high as 96% to Ralstonia pickettii and Ralstonia sp. M2S3. This value indicated that the strain was a species of Ralstonia genera. Because of this reason, the strain was designated as Ralstonia sp. Cr6NS. Ralstonia sp. Cr6NS was able to grow aerobically in 250 ppm Cr(VI) and had Cr(VI) reducing-capacity as high as 4,11 x 10-8μg Cr(VI)/hour/cell. From the study of enzymatic activity, Ralstonia sp. Cr6NS showed the activity of Cr(VI)-reductase both in periplasmic and sitoplasmic content. The highest activity was found in periplasmic matrix. However, the strain seemed not secreting this enzyme to the external medium.
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