Judul: Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Kesejahteraan Finansial Generasi Milenial
Abstrak: Literasi keuangan berperan penting dalam membantu generasi milenial dalam mencapai kesejahteraan finansial. Namun, rendahnya literasi keuangan generasi ini berdampak pada pengelolaan keuangan yang buruk serta minimnya generasi ini yang memiliki keyakinan untuk mencapai tujuan keuangan. Hal tersebut dapat menghambat tercapainya kesejahteraan finansial generasi ini. Tujuan penelitian ini adalah mengukur tingkat literasi keuangan, financial self-efficacy, kesejahteraan finansial generasi milenial Jabodetabek serta menganalisis pengaruh literasi keuangan dan financial self-efficacy terhadap kesejahteraan finansial generasi milenial. Metode analisis yang digunakan adalah analisis statistika deskriptif dan analisis Structural Equation Modeling (SEM) – PLS. Hasil penelitian menunjukkan tingkat literasi keuangan, financial self-efficacy, kesejahteraan finansial generasi milenial Jabodetabek secara berturut-turut sebesar 55%, 83%, dan 75%; terdapat pengaruh literasi keuangan terhadap financial self-efficacy, financial self-efficacy terhadap kesejahteraan finansial, dan literasi keuangan terhadap kesejahteraan finansial baik secara langsung maupun tidak langsung., Financial literacy plays an important role in helping millennial generation to achieve financial well-being. However, the low financial literacy of this generation has an impact on poor financial management and the lack of this generation who has the confidence to achieve their financial goals. This can hinder the achievement of this generation's financial well-being. The objectives of this study are to measure the level of financial literacy, financial self-efficacy, financial well-being of the millennial generation in Jabodetabek and to analyze the influence of financial literacy and financial self-efficacy towards financial well-being on millennial generation. The method of analysis in this research is descriptive statistical analysis and analysis of Structural Equation Model (SEM) – PLS. The result study showed that the level of financial literacy, financial self-efficacy, financial well-being of millennial generation in Jabodetabek is 55%, 83%, and 75%; there is an influence of financial literacy on financial self-efficacy; financial self-efficacy on financial well-being; and financial literacy on financial well-being both directly and indirectly.
Keyword: financial self-efficacy, generasi milenial, kesejahteraan finansial, literasi keuangan

Judul: Pengaruh Financial Technology terhadap Indeks Literasi Keuangan Generasi Milenial Jabodetabek di Era Covid-19
Abstrak: Pemberlakuan PPKM di wilayah Jabodetabek secara tidak langsung telah mengubah gaya hidup masyarakat dari beraktivitas di luar menjadi di dalam rumah. Di era pandemi Covid-19 ini tentunya para generasi milenial sangat terkena dampaknya karena mereka terpaksa harus berkuliah dan bekerja secara daring (work from home) sehingga mereka lebih sering berinteraksi dengan gawai dan internet dalam melakukan kegiatan keuangan maupun non-keuangan. Kondisi ini dapat digunakan sebagai peluang untuk meningkatkan tingkat literasi keuangan digital melalui fintech bagi para generasi milenial. Oleh sebab itu, tujuan dari penelitian ini adalah untuk mengetahui (1) tingkat penggunaan fintech generasi milenial Jabodetabek, (2) tingkat literasi keuangan generasi milenial Jabodetabek, dan (3) pengaruh penggunaan fintech terhadap tingkat literasi keuangan generasi milenial Jabodetabek di era Covid-19. Penelitian dilakukan pada 200 responden berusia 25-40 tahun yang berdomisili di Jabodetabek. Analisis data menggunakan metode regresi linear berganda dengan SPSS 25. Hasil penelitian menunjukkan terdapat pengaruh antara penggunaan financial technology risk and investment management dan financial technology payment, settlement, and clearing terhadap tingkat literasi keuangan., The implementation of the PPKM in Jabodetabek area has indirectly changed people's lifestyles from doing activities outside to being indoors. In this era of the Covid-19 pandemi, of course, the millennial generation is greatly affected because they are forced to study and work online (work from home) so that they interact more often with devices and the internet in carrying out financial and non-financial activities. This condition can be used as an opportunity to increase the level of digital financial literacy through fintech for the millennial generations. Therefore, the purpose of this study is to find out (1) the level of use of fintech for the Jabodetabek millennial generations, (2) the level of financial literacy of the Jabodetabek millennial generations, and (3) the influence of the use of fintech on the level of financial literacy of the Jabodetabek millennial generations in the Covid-19 era. 19. The study was conducted on 200 respondents aged 25-40 years who live in Greater Jakarta. Data analysis using multiple linear regression analysis method. The results of the study show there is an influence between the use of financial technology risk and investment management dan financial technology payment, settlement, and clearing on the level of financial literacy
Keyword: fintech, Jabodetabek, financial literacy, millennials, work from home

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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