Judul: Pengaruh Literasi dan Inklusi Keuangan terhadap Perilaku Menabung dan Investasi Generasi Milenial di DKI Jakarta
Abstrak: Pada tahun 2019, tingkat literasi keuangan Indonesia hanya sebesar 38,03%, sedangkan inklusi keuangannya sebesar 76,19%. Tingkat literasi dan inklusi keuangan terkait menabung yang identik dengan sektor perbankan memiliki nilai tertinggi sebesar 36,12% dan 73,88%, sedangkan investasi di pasar modal memiliki nilai terendah kedua, yaitu sebesar 4,92% dan 1,55%. Namun, dilihat dari rasio tabungan bruto terhadap produk domestik bruto Indonesia hanya sebesar 31,01% dibandingkan beberapa negara Asia lainnya yang telah mencapai lebih dari 40%. Tujuan penelitian ini adalah mengukur tingkat literasi dan inklusi keuangan generasi milenial di DKI Jakarta, menganalisis pengaruh literasi dan inklusi keuangan terhadap perilaku menabung dan investasi, menganalisis pengaruh literasi keuangan terhadap inklusi keuangan, dan menganalisis pengaruh perilaku menabung terhadap perilaku investasi. Analisis data menggunakan analisis deskriptif dan analisis SEM-PLS. Hasil penelitian menunjukkan tingkat literasi keuangan dan rata-rata inklusi keuangan generasi milenial di DKI Jakarta sebesar 50% dan 60%, terdapat pengaruh antara literasi dan inklusi keuangan terhadap perilaku menabung dan investasi, literasi keuangan terhadap inklusi keuangan, dan tidak terdapat pengaruh antara perilaku menabung terhadap perilaku investasi., In 2019, financial literacy level in Indonesia was only 38,03%, while the financial inclusion rate was 76,19%. Financial literacy and inclusion level related to saving that is identical to banking sector has the highest values of 36,12% and 73,88%, while investment in capital market has the second lowest values, at 4,92% and 1,55%. However, the ratio of gross savings to gross domestic product in Indonesia was reported only at 31,01% while several other Asian countries reached more than 40%. This study aims to measure the level of financial literacy and inclusion of millennial generations in DKI Jakarta; analyze the influence of financial literacy and inclusion on saving and investment behavior, analyze the influence of financial literacy on financial inclusion; and analyze the influence of saving behavior on investment behavior. Data analysis used descriptive analysis and SEM-PLS analysis. The study results show that the financial literacy rates and the average of inclusion rates of millennial generation in DKI Jakarta are 50% and 60%; there is an influence between financial literacy and inclusion towards saving and investment behavior; literacy towards financial inclusion; and there is no influence between saving behavior towards investment behavior.
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Judul: The Influence of Islamic Financial Literacy and the Use of Fintech Payments on Investment Interest of the Millennial Generation in DKI Jakarta in the  Islamic Capital Market
Abstrak: Tingkat literasi keuangan masyarakat Indonesia terhadap keuangan syariah masih sangat rendah. Padahal, komposisi dan penetrasi pengguna internet di Indonesia didominasi oleh generasi milenial, sehingga kemungkinan generasi milenial terpapar produk fintech payment semakin besar. Hasil survei tahun 2019 menunjukan sebanyak 51% uang milenial dihabiskan untuk keperluan konsumtif dan hanya 2% yang digunakan untuk investasi. Penelitian ini bertujuan untuk mengidentifikasi tingkat literasi keuangan syariah serta menganalisis pengaruh literasi keuangan syariah dan fintech payment terhadap minat investasi generasi milenial DKI Jakarta di pasar modal syariah. Studi ini menggunakan data primer yang diperoleh melalui penyebaran kuesioner pada 100 responden yang berdomisili di DKI Jakarta. Data dianalisis dengan menggunakan metode statistik deskriptif dan SEM-PLS. Hasil penelitian menunjukkan tingkat literasi keuangan syariah generasi milenial DKI Jakarta sebesar 49%; dan terdapat pengaruh literasi keuangan syariah dan fintech payment terhadap minat investasi generasi milenial DKI Jakarta di pasar modal syariah., The level of financial literacy of the Indonesian people towards Islamic finance is still very low. In fact, the composition and penetration of internet users in Indonesia is dominated by the millennial generation, so the possibility for the millennial generation to be exposed to fintech payment products is even greater. The results of the 2019 survey show that 51% of millennial money is spent on consumptive purposes and only 2% is used for investment. This study aims to identify the level of Islamic financial literacy and analyze the effect of Islamic financial literacy and fintech payments on the investment interest of the DKI Jakarta millennial generation in the Islamic capital market. This study uses primary data obtained by distributing questionnaires to 100 respondents who live in DKI Jakarta. Data were analyzed using descriptive statistical methods and SEM-PLS. The results showed that the level of Islamic financial literacy for the millennial generation in DKI Jakarta was 49%; and there is the influence of Islamic financial literacy and fintech payments on DKI Jakarta's millennial generation's investment interest in the Islamic capital market.
Keyword: Islamic financial literacy, financial technology, investment interest, millennial  generation, Islamic capital market

Judul: Hydrothermal Synthesis of Biphasic Calcium Posphate
Abstrak: Biphasio calsium phosphate (BCP), which was a mixture of hydroxypatite (HA) and tricalcium phosphate (TCP), was synthesized by hydrothermal method followed by sintering process. Hydroxyapatite was produced by using natural calcium source CaO from hen's eggshell and (NH4)2HPO4 as phosphate souce, other hydroxyapatite sample was produce by using synthetic calcium source Ca(OH) and H3PO4 as phosphate source.
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