Judul: Pengaruh Toleransi Risiko dan Sikap Keuangan terhadap Perencanaan Keuangan Hari Tua pada Keluarga Dual-Earner
Abstrak: Peningkatan partisipasi wanita dalam bekerja menandakan bahwa adanya peningkatan pada keluarga dengan pencari nafkah ganda. Namun, peningkatan yang terjadi pada partisipasi kerja tidak sebanding dengan peningkatan kepemilikan dana pensiun. Penelitian ini bertujuan untuk menganalisis pengaruh karakteristik keluarga, toleransi risiko, dan sikap keuangan terhadap perencanaan keuangan hari tua. Penelitian melibatkan sebanyak 111 istri dengan kriteria keluarga dual-earner yang dipilih dengan teknik purposive sampling. Analisis yang digunakan dalam penelitian ini adalah analisis deskriptif dan uji regresi linier berganda. Penelitian ini menemukan bahwa toleransi risiko dan perencanaan keuangan hari tua berada pada kategori sedang. Sikap keuangan berada pada kategori tinggi. Sikap keuangan memberikan pengaruh yang besar terhadap perencanaan keuangan hari tua. Selain itu, pendidikan istri dan pendapatan per kapita berpengaruh positif signifikan terhadap perencanaan keuangan hari tua. Penelitian ini tidak menemukan pengaruh toleransi risiko terhadap perencanaan keuangan hari tua. Bagi keluarga penting untuk memulai perencanaan keuangan untuk hari tua selama masih produktif dengan memulai merencanakan tabungan atau investasi jangka panjang.
Keyword: dual-earner family, financial attitude, retirement financial planning, risk tolerance

Judul: Perencanaan Keuangan Hari Tua dan Pengaruhnya terhadap Kesejahteraan Ekonomi Subjektif Keluarga Usia Pensiun
Abstrak: Enjoying great life and having financial security after retirement is a dream for all people. Therefore, a good strategy of management family‟s resources is needed. The objective of this study is to analyze some factors that influence financial retirement planning and economic subjective well-being. This study used cross sectional design and involved 154 families with retired husband or wives aged over or 56 years old and selected purposively. Data were collected by interview using questionnaire and was analyzed by descriptive, independent sample t-test, logistic regression, and multiple linear regression. The result showed, length of education and risk tolerances were significant different between public sector and non public sector retired. Increasing of time orientation (future time orientation) affected family at retirement age to do financial planning for retirement. Moreover, family‟s income, future time orientation, risk tolerances, and financial retirement planning gave significant effect on economic subjective well-being of family at retirement age.
Keyword: risk tolerances, families at retirement age, perception of time orientation, financial planning for retirement, economic satisfaction

Judul: Sintesis dan Pencirian Benzalkonium KIOl'ida
Abstrak: One active compound which is used in disinfectant is benzalkonium chloride. It is one of the safest biocides known and has a long history of efficacious use; hence, benzalkonium chloride becomes important in disinfectant production. Accordingly, economically benzalkonium chloride synthesis needs to be found. The principle of benzalkonium chloride synthesis is alkylation of amine compound by linear synthesis route. First of all, ammonium carboxylic salt was synthesized with yield of 87% and showed infrared absorption of N-H stretch at 3428 cm·l , strong absorption of C=O stretch at 1717 cm-I, and also aliphatic C-H stretch at 2849 cm-I and 2917 cm-I. Secondly, an amide was synthesized with yield of 84% and showed strong absorption of C=O stretch at 1704 em-I, absorption of aliphatic C-H at 2849 cm-I and 2917 em-I, and also absorption of CNat 942 em-I. In the third step, the amine was synthesized with yield of 89% and showed disappearance of C=O stretch at 1700 cm-I . In the last step, benzalkonium chloride was synthesized through 2 ways, i.e. reflux and microwave assisted organic synthesis (MAOS). Both benzalkonium chloride infrared spectra, fi'om reflux and MAOS, showed some absorptions of aryl C-H stretch at 3033 cm-I , aryl C-C bending at 1455 cm-I , 1496 cm-I and 2 peaks which were shouldershaped at around 1600 cm-I . This last step gave a mixed product which was proven by absorption at 1700 cm-I . Consequently, the yield could not be calculated.
Keyword: