Judul: The influence of financial literacy, and consumptive behaviour on adolescent behaviour in online shopping during Ramadan.
Abstrak: Kemajuan teknologi yang berkembang pesat menawarkan berbagai kemudahan dalam kehidupan, salah satunya berbelanja. Hadirnya platform belanja online memudahkan konsumen memenuhi kebutuhan termasuk pada Bulan Ramadhan. Bulan Ramadhan merupakan momen konsumen mengalami peningkatan belanja. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan perilaku konsumtif terhadap perilaku remaja dalam belanja online di Bulan Ramadhan. Penelitian ini melibatkan 216 remaja yang berusia 18-24 tahun dan pernah melakukan belanja online dalam kurung waktu tiga bulan terakhir sebelum penelitian. Analisis SEM-PLS menunjukkan hanya perilaku konsumtif yang berpengaruh langsung positif terhadap perilaku belanja online di Bulan Ramadhan. Literasi keuangan tidak berpengaruh langsung kepada perilaku belanja online, namun secara tidak langsung berpengaruh melalui perilaku konsumtif. Semakin tinggi literasi keuangan remaja akan menurunkan perilaku konsumtif dan menurunkan perilaku belanja online. Literasi keuangan yang baik, membantu remaja mengelola anggaran belanja sehingga tidak membeli barang diluar kebutuhan., Advances in technology that are growing rapidly in any human life, one of them is in terms of online shopping. It makes it convenience for consumers to fulfill their daily needs especially during Ramadan. Previous research has shown an increase in online shopping during Ramadan. The causes of the increase of Ramadan online shopping need to be investigated. This study was to analyze the influence of financial literacy and consumptive behavior on online shopping behavior on adolescents during Ramadan. This study involved 216 respondents aged 18-24 years who had done online shopping in the last three months. The analysis of the SEM-PLS model shows that only consumptive behaviour has a direct positive effect on online shopping behaviour during Ramadan. Financial literacy does not directly affect online shopping behaviour, but indirectly influences through consumptive behaviour. The higher financial literacy of adolescents will reduce consumptive behavior and decrease online shopping behavior. financial literacy helps adolescents manage their budget so they don't buy things outside their needs.
Keyword: bulan ramadhan, literasi keuangan, perilaku belanja online, perilaku konsumtif

Judul: Pengaruh Gaya Hidup dan Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa Pengguna Online Food Delivery
Abstrak: Perubahan pola konsumsi saat pandemi Covid-19 serta didukung kemajuan teknologi dan internet membuat terjadinya peningkatan penggunaan online food delivery di Indonesia. Layanan aplikasi ini memudahkan konsumen membeli makanan tanpa keluar rumah. Namun jika penggunaannya tidak terkendali akan menimbulkan permasalahan perilaku konsumtif dan perencanaan keuangan buruk. Terjadinya perilaku konsumtif dipicu munculnya konsep gaya hidup yang terkait dengan karakteristik dan literasi keuangan. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis pengaruh karakteristik, gaya hidup, dan literasi keuangan terhadap perilaku konsumtif mahasiswa pengguna online food delivery. Penelitian dilakukan di wilayah Jabodetabek. Jumlah sampel penelitian sebanyak 210 responden yang ditentukan dengan teknik purposive sampling. Metode yang digunakan adalah analisis deskriptif dan regresi linear berganda. Hasil penelitian menunjukkan bahwa karakteristik usia, jenis kelamin, dan literasi keuangan berpengaruh negatif sedangkan karakteristik uang saku dan gaya hidup berpengaruh positif terhadap perilaku konsumtif. Mahasiswa dapat lebih bijak dalam mengatur pengeluaran dan disesuaikan dengan kebutuhannya., Changes in consumption patterns during the Covid-19 pandemic, supported by technological advances and the internet, have led to an increase in the use of online food delivery in Indonesia. This application service makes it easy for consumers to buy food without leaving the house. However, if its use is uncontrolled, it will cause problems of consumptive behavior. The occurrence of consumptive behavior is triggered by the emergence of lifestyle concepts related to characteristics and financial literacy. This study aims to identify and analyze the influence of characteristics, lifestyle, and financial literacy on the consumptive behavior of students who use online food delivery. The research was conducted in the Jabodetabek area. The number of research samples was 210 respondents determined by purposive sampling technique. The method used is descriptive analysis and multiple linear regression. The results showed that the characteristics of age, gender, and financial literacy had a negative effect while the characteristics of pocket money and lifestyle had a positive effect on consumptive behavior. Students can be wiser in managing expenses and adjusted to their needs.
Keyword: consumptive behavior, multiple linear regression, online food delivery

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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