Judul: The Influence of Financial Literacy and Financial Attitude toward Debt Behavior among Customers of Bank Berjanji
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh literasi dan sikap keuangan terhadap perilaku berhutang nasabah Bank Berjanji. Penelitian ini dilakukan di Kecamatan Haurgeulis, Kabupaten Indramayu dengan melibatkan 62 nasabah Bank Berjanji. Pengambilan sampel menggunakan metode snowball sampling dan data dikumpulkan melalui wawancara tatap muka menggunakan kuesioner. Studi ini menunjukkan bahwa contoh memiliki tingkat literasi keuangan yang terkategori rendah. Sikap dan perilaku bijak dalam berhutang nasabah Bank Berjanji berada pada kategori moderat. Tidak terdapat perbedaan signifikan pada literasi keuangan, sikap, dan perilaku berhutang di antara responden berdasarkan lama menjadi nasabah Bank Berjanji. Pendidikan, literasi keuangan dan sikap berhubungan positif signifikan dengan perilaku bijak dalam berhutang. Hasil uji regresi menunjukkan bahwa literasi keuangan dan sikap berpengaruh positif signifikan terhadap perilaku bijak dalam berhutang sedangkan lama menjadi nasabah berpengaruh negatif signifikan terhadap perilaku bijak dalam berhutang., This study aims to analyze the influence of Financial literacy and financial attitudes on debt behavior among Bank Berjanji customers. Involving about 62 Bank Berjanji’s customers as respondents, this research was conducted in Haurgeulis Subdistrict, Indramayu Regency. This sampling used a snowball sampling method and the data were collected through face to face survey using a structured questionnaire. This study found that the level of financial literacy was categorized as low, while the attitude and wise debt behavior was in the moderate category. There is no significant difference on financial literacy, attitude, and debt behavior between respondents in term of length of time being a customer of Bank Berjanji. Education, financial literacy, and attitudes have a significant positive relationship with wise debt behavior. The regression test result show that financial literacy and attitude have a significant positive effect on wise debt behavior. In contrary, the length of time being a customer has a significant negative effect on wise debt behavior.
Keyword: bank berjanji, debt behavior, financial knowledge, Indramayu

Judul: The Influence of Financial Literacy and Financial Self-Efficacy on Financial Behavior among Customers of Bank Emok
Abstrak: Kurangnya pengetahuan dan kepercayaan diri dalam mengelola keuangan dapat berdampak pada perilaku keuangan yang buruk. Secara umum penelitian ini menganalisis pengaruh karakteristik responden, literasi keuangan dan financial self efficacy terhadap perilaku keuangan nasabah bank emok. Desain penelitian ini yaitu cross sectional study. Pengambilan sampel menggunakan metode snowball sampling sebanyak 94 perempuan pengguna jasa bank emok. Data dikumpulkan melalui wawancara menggunakan kuesioner dan teknik analisis data menggunakan analisis deskriptif, uji korelasi, dan uji regresi linier berganda. Hasil penelitian menunjukkan bahwa responden memiliki tingkat literasi keuangan yang rendah (less literate). Responden cukup memiliki kepercayaan diri dalam mengelola keuangan, namun masih banyak responden yang belum memiliki perilaku keuangan yang baik. Usia berhubungan negatif signifikan dengan perilaku keuangan. Sementara itu, pendidikan dan financial self-efficacy berhubungan positif signifikan dengan perilaku keuangan. Hasil uji regresi menunjukkan bahwa pendidikan dan financial self-efficacy berpengaruh positif signifikan terhadap perilaku keuangan, sedangkan literasi keuangan tidak memiliki pengaruh terhadap perilaku keuangan., Lack of knowledge and confidence in managing finances can have an impact on poor financial behavior. This study analyzes the influence of respondent characteristics, financial literacy, and financial self-efficacy on financial behavior among customers of Bank Emok. The design of this study is a cross sectional study. Sampling using the snowball sampling method 94 female users of bank emok. Data were collected through interviews using a questionnaire and analysed using descriptive analysis, correlation test, and multiple linear regression test. The results showed that the respondents had a low level of financial literacy (less literate). Respondents are quite confident in managing financial, however they are less likely to carry out a sound financial behavior. Age has a significant negative relationship with financial behavior. Meanwhile, education level and financial self-efficacy have a significant positive relationship with financial behavior. The regression test result show that education level and financial self-effycacy have a significant positive effect on financial behavior, while financial literacy has no effect on financial behavior.
Keyword: bank emok, Ciamis, financial behavior, financial literacy, financial self-efficacy

Judul: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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