Judul: The influence of Financial Literacy, Product Knowledge, and Impulsive Buying during Online Shopping Festival on Consumer Vulnerability of Paylater User
Abstrak: Perkembangan metode pembayaran paylater dan maraknya festival belanja online menimbulkan peluang terjadinya kerentanan konsumen dan perilaku pembelian impulsif di masyarakat. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, pengetahuan produk, dan pembelian impulsif terhadap kerentanan konsumen pengguna paylater. Desain penelitian menggunakan cross sectional study secara voluntary sampling berjumlah 274 orang pengguna paylater dan pernah menggunakan metode pembayaran paylater selama festival belanja online. Analisis data menggunakan analisis SEM, deskriptif, dan uji korelasi menggunakan LISREL 8.80 dan SPSS versi 25. Hasil uji korelasi menunjukkan usia dan status pekerjaan memiliki hubungan positif signifikan dengan pembelian impulsif. Analisis SEM menunjukkan literasi keuangan secara langsung berpengaruh positif signifikan terhadap pengetahuan produk dan memiliki pengaruh negatif signifkan terhadap pembelian impulsif. Pembelian impulsif secara langsung berpengaruh positif signifikan terhadap kerentanan konsumen. Pemerintah dapat berkolaborasi dengan influencer agar memiliki jangkauan lebih luas dalam mengedukasi masyarakat untuk bijak menggunakan metode pembayaran paylater dan mengelola keuangan.
Keyword: consumer vulnerability, financial literacy, impulsive buying, online shopping festival, product knowledge

Judul: Pengaruh Psychological Factors, Financial  Literacy, dan Paylater Misuse terhadap Compulsive Buying
Abstrak: Peningkatan tren belanja online melalui e-commerce di masa pandemi Covid-19 turut didukung dengan perkembangan metode pembayaran digital, salah satunya paylater. Paylater memungkinkan konsumen untuk membeli barang sekarang dan membayarnya kemudian dengan cicilan setiap bulan. Pertumbuhan paylater di Indonesia dapat mendorong perkembangan ekonomi digital dan selaras dengan tujuan pembangunan berkelanjutan (Sustainable Development Goals/SDGs). Namun, apabila tidak dikendalikan, penggunaan paylater justru berisiko memicu perilaku compulsive buying dan meningkatkan jumlah hutang yang dimiliki konsumen. Penelitian ini bertujuan untuk menganalisis karakteristik pengguna paylater di Jabodetabek, menganalisis pengaruh psychological factors dan financial literacy terhadap paylater misuse, dan menganalisis pengaruhnya terhadap compulsive buying. Penelitian ini menggunakan sampel sebanyak 275 responden pengguna paylater di Jabodetabek. Sampel penelitian ditentukan menggunakan metode non-probability sampling jenis convenience sampling dan quota sampling. Selanjutnya, hasil penelitian dianalisis menggunakan analisis deskriptif dan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian ini menunjukkan bahwa psychological factors, financial literacy, dan paylater misuse memiliki pengaruh yang positif dan signifikan terhadap compulsive buying., The increasing trend of online shopping through e-commerce during the Covid-19 pandemic is also supported by the development of digital payment method, one of which is paylater. Paylater allows consumers to buy now and pay later in monthly installments. Paylater growth in Indonesia can encourage the development of the digital economy and is in line with sustainable development goals (SDGs). However, if not controlled, the use of paylaters actually risks triggering compulsive buying behavior and increasing the amount of debt owned by consumers. This research aims to analyze the characteristics of paylater users in Jabodetabek, analyze the influence of psychological factors and financial literacy toward paylater misuse, and analyze its influence toward compulsive buying. The sample of this research was 275 respondents of paylater users in Jabodetabek. The research sample was determined using the non-probability sampling method, types convenience sampling and quota sampling. Furthermore, the research results were analyzed using descriptive analysis and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results of this research show that psychological factors, financial literacy, and paylater misuse have a positive and significant effect on compulsive buying.
Keyword: compulsive buying, paylater, SDGs, SEM-PLS

Judul: Mitochondrial DNA Gene Organization and Phylogenetic Relationship of Naja siamensis
Abstrak: Naja siamensis is one of Asiatic cobra in the Family of Elapidae, known as a cryptic snake. It has many morphological variations that lead to misidentification. Misidentification can cause the wrong concept in developing antivenom types due to high snakebite cases occur in Thailand. Thus, an accurate species identification using a molecular approach is crucially required. Mitochondrial DNA has been used widely in snake molecular studies. These studies were aimed to determine the arrangement of the N. siamensis partial mitochondrial genes using reptile-oriented primers and to reveal the phylogenetic relationship among other species of Asian cobra. DNA extraction was carried out based on the standard DNA salting-out protocol and was conducted by bioinformatics analysis using BLASTn and MEGA 6 software. Gene annotation was performed against N. kaouthia complete genome. A total of 3121 bp of N. siamensis mtDNA genes were sequenced consisting of partial of six regions: 16S rRNA, ND1, tRNA-Ile, CRII region, tRNA-Leu, tRNA-Gln, and COI genes. The mtDNA gene organization of N. siamensis was predicted to has a similar pattern with the common Elapidae mtDNA gene organization. This study showed that there is a monophyletic form in Naja genus and N. kaouthia is the closest species with N. siamensis based on partial 16S rRNA and ND1 gene.
Keyword: 16S rRNA, Elapidae, ND1, phylogenetic relationship