Judul: Penetration Value of Rent-To-Own KPR Based on the Capability of Low-Income People in Buying a House
Abstrak: Kegiatan capstone project yang dilakukan di PT Bank Tabungan Negara (Persero) Tbk (BTN) memberikan gambaran mengenai tantangan yang dihadapi industri perumahan saat ini. Tingkat backlog yang tinggi mendorong BTN untuk menciptakan inovasi skema pembiayaan rumah yaitu KPR Rent-To-Own (KPR RTO) namun penjualannya belum masif terutama bagi Masyarakat Berpenghasilan Rendah (MBR). Penelitian ini bertujuan untuk menemukenali existing value KPR RTO, mengkaji karakteristik dan kapabilitas Masyarakat Berpenghasilan Rendah (MBR), serta memformulasikan strategi penetrasi value untuk membantu pengembangan KPR RTO. Teknik pengambilan data pada penelitian ini menggunakan metode kualitatif dengan penentuan sampelnya menggunakan non- probability sampling dengan metode purposive sampling. Data yang dikumpulkan dianalisis menggunakan prinsip 5C dan analisis SOAR. Hasil penelitian menunjukkan bahwa kapabilitas MBR dalam membeli rumah terbatas karena penghasilan dan administrasi yang sulit untuk dipenuhi. Hasil analisis kapabilitas MBR dilakukan untuk membantu perumusan strategi penetrasi value sehingga produk KPR RTO ini dapat diterima dengan baik oleh pasar karena value yang dimilikinya dibuat berdasarkan kebutuhan pasarnya. Penulis merekomendasikan 4 strategi penetrasi value yaitu, Introduction, Pre-rent, Rent, and Retrieve. Strategi Introduction berfokus pada pengenalan KPR RTO kepada MBR melalui kampanye edukasi dan pemasaran yang tepat. Tahapan pre-rent melibatkan penyiapan MBR melalui pelatihan dan bantuan administrasi untuk memenuhi persyaratan kredit. Tahap rent melibatkan implementasi skema sewa untuk MBR dengan opsi membeli rumah setelah periode sewa berakhir. Terakhir, tahap retrieve fokus pada evaluasi dan peningkatan berkelanjutan dari program KPR RTO berdasarkan umpan balik dari pengguna. Penelitian ini menekankan pentingnya pemahaman mendalam mengenai kapabilitas dan kebutuhan MBR untuk mengembangkan produk yang sesuai dan efektif dalam mengurangi backlog kepemilikan rumah. Strategi penetrasi value yang diusulkan diharapkan dapat meningkatkan penerimaan pasar terhadap KPR RTO dan membantu BTN dalam mencapai tujuannya untuk menyediakan rumah yang terjangkau bagi MBR., The capstone project activities carried out at PT Bank Tabungan Negara (Persero) Tbk (BTN) revealed the challenges currently faced by the housing industry.The high backlog rate has prompted BTN to innovate a new home financing scheme known as Rent-To-Own Mortgage (KPR RTO), but its sales have not yet been widespread, especially among the Low-Income Community (MBR). This research aims to identify the existing value of the KPR RTO, examine the characteristics and capabilities of the Low-Income Community (MBR), and formulate value penetration strategies to aid in the development of KPR RTO. The data collection technique in this research employs qualitative methods with sample determination using non-probability sampling through purposive sampling methods. The collected data is analyzed using the 5C Principle and SOAR Analysis. The results of the study indicate that the capabilities of MBR in purchasing homes are limited due to income constraints and difficult administrative requirements. The results of the MBR capability analysis were carried out to help formulate a value penetration strategy so that this RTO KPR product can be well received by the market because its value is based on market needs. The author recommends four value penetration strategies: Introduction, Pre-rent, Rent, and Retrieve. The Introduction strategy focuses on introducing KPR RTO to MBR through educational and marketing campaigns. The Pre-rent stage involves preparing MBR through training and administrative assistance to meet credit requirements. The Rent stage involves implementing
Keyword: kredit, Banking, Capability, backlog, kapabilitas, MBR, penetrasi value, perbankan, credit, value penetration

Judul: Factors Affecting Generation Y and Z's Interest Toward Bank BTN's Rent to Own Mortgage
Abstrak: Pertumbuhan penduduk yang meningkat, diproyeksikan hingga tahun 2050, meningkatkan kebutuhan akan rumah dan beban finansial bagi penduduk usia produktif, khususnya generasi Y dan Z yang ditunjukkan oleh meningkatkan rasio ketergantungan, sehingga sulit bagi kalangan usia produktif untuk memiliki hunian layak. Penelitian ini menganalisis faktor-faktor yang memengaruhi minat generasi Y dan Z di Jabodetabek dalam memilih skema KPR Rent to Own (RTO) yaitu berasal dari bauran pemasaran 4P (Product, Price, Place, Promotion), menggunakan data sekunder dari Bank BTN. Analisis data dilakukan dengan analisis deskriptif dan regresi logistik biner menggunakan SPSS 25 untuk mengetahui faktor-faktor signifikan terhadap minat KPR RTO. Hasil penelitian menunjukkan bahwa sebagian besar generasi Y dan Z memiliki minat membeli rumah, namun kelompok yang berminat menyewa rumah menunjukkan minat yang lebih tinggi terhadap KPR RTO dibandingkan dengan kelompok yang berminat membeli rumah. Pada model regresi gabungan wilayah Jabodetabek, terdapat tiga variabel signifikan pada kategori produk yaitu harga rumah yang sesuai dengan kesepakatan awal, fasilitas perbaikan rumah, dan fleksibilitas dalam menentukan periode sewa dan beli rumah. Sedangkan pada kategori harga terdapat dua variabel signifikan yaitu kesediaan membayar sewa rumah lebih tinggi daripada sewa konvensional dan pengembalian uang muka sebesar 5 persen. Model regresi di masing-masing wilayah mencakup Jakarta, Bogor, Depok, Tangerang, dan Bekasi, menunjukkan bahwa terdapat tiga wilayah yang memiliki masing-masing satu variabel signifikan: wilayah Jakarta dengan kesediaan membayar sewa lebih tinggi daripada sewa konvensional, serta wilayah Bogor dan Depok dengan kesediaan pada pengembalian uang muka sebesar 5 persen. Selain itu, mengomunikasikan nilai tambah KPR RTO dapat menarik lebih banyak nasabah., The increasing population growth, projected until 2050, raises the demand for housing and financial burdens on the working-age population, particularly Generation Y and Z, as indicated by the increasing dependency ratio. This makes it challenging for the working-age group to afford decent housing. This study analyzes the factors influencing the interest of Generation Y and Z in Jabodetabek in choosing Rent to Own (RTO) mortgage schemes, derived from the 4P marketing mix (Product, Price, Place, Promotion), using secondary data from Bank BTN. Data analysis was conducted through descriptive analysis and binary logistic regression using SPSS 25 to identify significant factors affecting interest in RTO mortgages. The results show that most Generation Y and Z individuals are interested in buying houses; however, those who prefer renting show higher interest in RTO mortgages compared to those who prefer buying. In the combined regression model for Jabodetabek, three significant variables were identified in the product category: initial house price agreement, home improvement facilities, and flexibility in determining rental and purchase periods. In the price category, two significant variables were identified: willingness to pay higher rent than conventional rent and a 5 percent down payment refund. The regression model for each region, including Jakarta, Bogor, Depok, Tangerang, and Bekasi, indicates that three regions have one significant variable each: Jakarta with willingness to pay higher rent than conventional rent, and Bogor and Depok with a 5 percent down payment refund. Additionally, communicating the added value of RTO mortgages can attract more customers.
Keyword: analisis regresi logistik biner, Jabodetabek, KPR Rent to Own, binary logistic regression analysis, rent-to-own KPR

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell