Judul: The Determinants of Inclusive Economic Development in  Indonesia
Abstrak: Pembangunan ekonomi inklusif merupakan pendekatan yang efektif dalam mereduksi dampak pembangunan yang cenderung lebih berpihak kepada kelompok masyarakat tertentu yang memiliki akses lebih besar terhadap kesempatan ekonomi. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi pembangunan ekonomi inklusif di Indonesia dengan menggunakan metode analisis regresi data panel dengan pendekatan random effect model pada 34 provinsi di Indonesia periode 2011-2021. Faktor-faktor tersebut ialah fintech peer-to-peer lending, pembentukan modal tetap bruto, pengeluaran pemerintah, dan keterbukaan perdagangan. Hasil penelitian menunjukkan bahwa kredit fintech lending dan keterbukaan perdagangan berpengaruh secara signifikan meningkatkan pembangunan ekonomi inklusif di Indonesia. Akan tetapi, pengeluaran pemerintah berpengaruh signifikan menurunkan pembangunan ekonomi inklusif di Indonesia. Pembentukan modal tetap bruto tidak berpengaruh signifikan terhadap pembangunan ekonomi inklusif di Indonesia., Inclusive economic development is an effective approach in reducing the impact of development which tends to favor certain community groups who have greater access to economic opportunities. This study aims to analyze the factors that influence inclusive economic development in Indonesia using panel data regression with a random effect model approach in 34 provinces in Indonesia for the 2011-2021 period. These factors are fintech peer-to-peer lending, gross fixed capital formation, government spending, and trade openness. The research results show that fintech lending and trade openness have a significant effect on increasing inclusive economic development in Indonesia. Meanwhile, government spending has a significant effect on reducing inclusive economic development in Indonesia. Gross fixed capital formation has no significant effect on inclusive economic development in Indonesia.
Keyword: fintech peer-to-peer lending, inclusive economic development index, panel data regression, trade openness

Judul: Determinant of Regional Financial Inclusion in Indonesia
Abstrak: Inklusi keuangan mengindikasikan akses yang tersedia tehadap beragam layanan keuangan yang mencukupi keperluan kapasitas masyarakat demi peningkatan kesejahteraan masyarakat. Analisis dilakukan untuk mengetahui faktor-faktor yang memengaruhi inklusi keuangan di Indonesia menggunakan metode regresi data panel dengan pendekatan random effect pada 33 provinsi di Indonesia pada tahun 2019 dan 2022. Faktor-faktor tersebut ialah fintech peer-to-peer lending, dana pihak ketiga perbankan, PDRB per kapita, jumlah kantor bank umum, jumlah kantor BPR dan rata-rata lama sekolah. Hasil dari analisis ini memperlihatkan bahwa kredit fintech, dana pihak ketiga BPR, jumlah bank umum dan rata-rata lama sekolah memiliki pengaruh signifikan dalam meningkatkan inklusi keuangan di Indonesia., Financial inclusion indicates the available access to a variety of financial services that meet the needs of the community to enhance their welfare. An analysis was conducted to identify the factors influencing financial inclusion in Indonesia using the panel data regression method with a random effect approach in 33 provinces of Indonesia in 2019 and 2022. These factors include peer-to-peer lending fintech, third-party banking funds, per capita GDP, the number of public bank branches, the number of microfinance institution branches, and average years of schooling. The results of this analysis show that fintech credit, third-party funds of microfinance institutions, the number of public banks, and the average years of schooling have a significant impact on increasing financial inclusion in Indonesia.
Keyword: Banking, fintech peer-to-peer lending, panel data regression, financial inclusion

Judul: Sintesis Flavonol melalui 2’-Hidroksikalkon
Abstrak: Flavonol is a class of flavonoids commonly found in fruits and vegetables. Flavonol is very useful, especially in food sector and health. In this study, flavonol unsubstituted was successfully synthesized from an intermediate material 2’-hydroxychalcone. The 2’-hydroxychalcone was synthesized by Claisen-Schmidt condensation method between o-hydroxyacetophenone and benzaldehyde using 4 different catalysts, namely KOH 60%, solid pellet of KOH-grinding technique, BF3-Et2O, and NaH in DMF. The KOH 60% was the best catalyst, giving the highest yield (57%). Afterward, the flavonol was synthesized in 1-stage oxidation cyclization of o-hydroxyacetophenone using Algar-Flynn-Oyamada (AFO) reaction, giving 76%. The flavonol total yield from 2’-hydroxychalcone was 43%. All synthesized products were characterized by their melting points and their spectra. The success of the synthesis flavonol opens the way to synthesis of useful flavonol derivatives such as quercetin and kaempferol
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