Judul: The Influence of Financial Literacy and Perceived Risk towards the Intention to use Paylater Services across Milennial Generation
Abstrak: Layanan paylater merupakan salah satu alternatif dalam transaksi keuangan non tunai, dan di Indonesia berada pada posisi ketiga fintech yang paling sering digunakan dibandingkan metode pembayaran melalui convenience store. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan persepsi risiko terhadap minat menggunakan layanan paylater pada generasi milenial. Penelitian ini menggunakan desain explanatory dan cross sectional study, dengan total 220 orang generasi milenial Indonesia yang diambil dengan teknik voluntary sampling. Studi ini menunjukkan bahwa pengetahuan dan sikap keuangan berada pada kategori moderat, sedangkan perilaku keuangan terkategori moderat dan tinggi. Persepsi risiko sosial dan psikologis berada pada kategori rendah, sedangkan persepsi risiko keuangan, kinerja, dan waktu berada pada kategori moderat. Sementara itu, presentasi terbesar minat menggunakan layanan paylater berasa pada kategori rendah dan moderat. Hasil uji regresi menunjukkan bahwa usia dan pendapatan berpengaruh positif signifikan terhadap minat menggunakan layanan paylater, sedangkan persepsi risiko kinerja dan waktu berpengaruh negatif signifikan terhadap minat menggunakan layanan paylater.
Keyword: Financial literacy, intention to use, millennials, paylater, perceived risk

Judul: The Effect of Financial Literacy and Self-Efficacy towards the Intention to Use Peer to Peer Lending Service across Millennial Generation
Abstrak: Minat menggunakan P2P lending merupakan dorongan yang datang dari dalam diri seseorang untuk melakukan pinjaman online. Seiring dengan meningkatnya akses internet dan pengguna gawai di Indonesia, nasabah layanan P2P ini pun menunjukkan peningkatan yang signifikan setiap tahunnya. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan efikasi diri terhadap minat penggunaan peer to peer lending. Penelitian ini menggunakan desain explanatory pada 234 contoh generasi milenial di Jabodetabek yang dipilih melalui teknik purposive sampling dengan metode pengambilan data secara online. Hasil penelitian menunjukkan, literasi keuangan dan efikasi diri berada pada kategori moderat, sementara minat penggunaan dikategorikan rendah. Uji regresi menunjukkan bahwa jumlah tanggungan, jenis pinjaman utang, dan sikap terhadap P2P lending berpengaruh signifikan positif terhadap minat menggunakan P2P lending, sedangkan pada pengetahuan keuangan berpengaruh signifikan negatif terhadap minat menggunakan P2P lending., Intention to use P2P lending is an impulse that comes from within a person to make online loans. Along with the increasing of access toward internet access and mobile phone, the number of P2P lending user has been rise significantly. This study aims to analyze the influence of financial literacy and self-efficacy towards the intention to use P2P lending service. Using an online survey for data collection, the research design was explanatory involving 234 samples of millennial generation who were selected by purposive sampling technique in Jabodetabek. The results showed that financial literacy and self-efficacy was categorised as moderate, and intention to use peer to peer lending were categorised as low. Further analysis by regressions test showed that, the number of dependents, the amount of loan, and attitude towards P2P lending had a significant positive effect on the intention to use P2P lending. Meanwhile, financial knowledge had a significant negative effect on the intention to use P2P lending.
Keyword: financial decisions, intention to use, millennial, online lending, savings

Judul: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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