Judul: The Effect of Lifestyle and Financial Vulnerability toward Housewives Intention to Use Peer-to-Peer Lending
Abstrak: Peer-to-Peer (P2P) lending merupakan layanan keuangan dengan cakupan pada area pembiayaan (pinjaman) berbasis teknologi. Selain dapat menjadi solusi saat kesulitan keuangan P2P lending juga membuat sebagian masyarakat memprioritaskan gaya hidup dibandingkan biaya hidup. Beberapa P2P lending ilegal sengaja memanfaatkan kesulitan keuangan sebagian masyarakat di masa pandemi Covid-19 dan berpotensi merugikan masyarakat. Penelitian ini bertujuan untuk menganalisis hubungan dan pengaruh karakteristik responden, gaya hidup, dan kerentanan keuangan terhadap minat menggunakan P2P lending pada ibu rumah tangga. Penelitian menggunakan metode purposive sampling dengan pengisian kuesioner secara online. Jumlah responden sebanyak 230 ibu rumah tangga yang belum pernah menggunakan P2P lending di wilayah Jakarta, Bogor, Depok, Tangerang, dan Bekasi. Hasil penelitian menunjukkan bahwa gaya hidup dan kerentanan keuangan memiliki hubungan positif signifikan dengan minat menggunakan P2P lending. Hasil uji regresi logistik menunjukkan jumlah jenis pinjaman dan gaya hidup secara positif signifikan memengaruhi minat menggunakan P2P lending., Peer-to-Peer (P2P) lending is a financial service with a coverage in the area of technology-based financing (loans). In addition to being a solution when financial difficulties P2P lending also makes some people prioritize lifestyle over living costs. Some illegal P2P lending deliberately takes advantage of the financial difficulties of some people during the Covid-19 pandemic and has the potential to harm the community. This study aims to analyze the relationship and effect of respondent characteristics, lifestyle, and financial vulnerability toward housewives intention to use P2P lending. The study used a purposive sampling method by filling out online questionnaires. The number of samples were 230 housewives who had never used P2P lending in the areas of Jakarta, Bogor, Depok, Tangerang and Bekasi. The results show that lifestyle and financial vulnerability had a significant positive relationship with intention to use P2P lending. The results of the logistic regression test show that the number of loan types and lifestyle have a positive significant effect on intention to use P2P lending.
Keyword: gaya hidup, ibu rumah tangga, kerentanan keuangan, minat menggunakan

Judul: Determinants of Investment Decisions in P2P
Lending in the JABODETABEK Region.
Abstrak: Kemajuan di bidang teknologi yang terus meningkat juga mempengaruhi perubahan perilaku masyarakat dimana masyarakat menjadi menginginkan sesuatu yang mudah dan cepat. Kemajuan teknologi ini juga terjadi di pasar keuangan seperti adanya financial technologi (fintech) salah satunya adalah platform peer-topeer lending. Tujuan dari penelitian ini untuk mengidentifikasi karakteristik para lender atau pemberi pinjaman di wilayah JABODETABEK dan mengetahui faktor apa saja yang mempengaruhi pemberi pinjaman untuk memutuskan berinvestasi di P2P lending. Metode analisis yang digunakan adalah analisis regresi logistik biner dan analisis deskriptif dengan menggunakan data primer yang diambil dari 132 responden melalui kuesioner online yang tersebar di wilayah JABODETABEK. Hasil penelitian ini menunjukkan bahwa karakteristik dari responden yang berbeda secara signifikan adalah responden yang berdomisili Jakarta dan Tangerang cenderung untuk memilih berinvestasi di P2P lending, lalu responden yang sudah menikah, berumur lebih tua, responden yang mengenyam waktu pendidikan lebih lama serta responden dengan pendapatan >Rp20.000.000 dan mempunyai pengalaman berinvestasi sebelumnya juga cenderung mempunyai willingness to lend di P2P lending. Sedangkan, responden yang mempunyai pendapatan <Rp5.000.000 cenderung tidak menginvestasikan modalnya di platform P2P lending. Selanjutnya, hasil dari penelitian ini menemukan bahwa biaya transaksi, layanan, keamanan, suku bunga dan risiko dapat mempengaruhi willingness to lend pemberi pinjaman atau lender. Hasil logit menunjukkan bahwa biaya transaksi, layanan, kemanan serta suku bunga dapat mempengaruhi secara positif sebaliknya faktor risiko berpengaruh secara negatif. Platform P2P lending dapat mengurangi faktor risiko seperti dengan adanya asuransi serta peningkatan dari segi layanan dan keamanan., Advances in technology that continue to increase also affect changes in people's behavior where people want something easy and fast. This technological advancement also occurs in the financial market, such as the existence of financial technology (fintech), one of them is a peer-to-peer lending platform. The purpose of this study is to identify the characteristics of lenders in the JABODETABEK area and to find out what factors influence lenders to decide to invest in P2P lending. The analytical method used is binary logistic regression analysis and descriptive analysis using primary data taken from 132 respondents through online questionnaires scattered in the JABODETABEK area. The results of this study indicate that the characteristics of the respondents who are significantly different are respondents who live in Jakarta and Tangerang tend to choose to invest in P2P lending, then respondents who are married, older, respondents who have a longer education time and respondents with income > Rp 20.000.000 and have previous investment experience also tend to have a willingness to lend in P2P lending. Meanwhile, respondents who have income <Rp 5.000.000 tend not to invest their capital in P2P lending platforms. Furthermore, the results of this study found that transaction costs, services, security, interest rates and risk can affect the willingness to lend of lenders or lenders. Logit results show that transaction fees, services, security and interest rates can have a positive effect, while risk factors have a negative effect. P2P lending platforms can reduce risk factors such as insurance and improve service and security.
Keyword: Investasi, P2P lending, willingness to lend

Judul: Sintesis dan Pencirian Benzalkonium KIOl'ida
Abstrak: One active compound which is used in disinfectant is benzalkonium chloride. It is one of the safest biocides known and has a long history of efficacious use; hence, benzalkonium chloride becomes important in disinfectant production. Accordingly, economically benzalkonium chloride synthesis needs to be found. The principle of benzalkonium chloride synthesis is alkylation of amine compound by linear synthesis route. First of all, ammonium carboxylic salt was synthesized with yield of 87% and showed infrared absorption of N-H stretch at 3428 cm·l , strong absorption of C=O stretch at 1717 cm-I, and also aliphatic C-H stretch at 2849 cm-I and 2917 cm-I. Secondly, an amide was synthesized with yield of 84% and showed strong absorption of C=O stretch at 1704 em-I, absorption of aliphatic C-H at 2849 cm-I and 2917 em-I, and also absorption of CNat 942 em-I. In the third step, the amine was synthesized with yield of 89% and showed disappearance of C=O stretch at 1700 cm-I . In the last step, benzalkonium chloride was synthesized through 2 ways, i.e. reflux and microwave assisted organic synthesis (MAOS). Both benzalkonium chloride infrared spectra, fi'om reflux and MAOS, showed some absorptions of aryl C-H stretch at 3033 cm-I , aryl C-C bending at 1455 cm-I , 1496 cm-I and 2 peaks which were shouldershaped at around 1600 cm-I . This last step gave a mixed product which was proven by absorption at 1700 cm-I . Consequently, the yield could not be calculated.
Keyword: