Judul: Literasi Keuangan dan Pengaruhnya terhadap Pengelolaan Keuangan pada Generasi Millenial
Abstrak: Otoritas Jasa Keuangan (OJK) melalui Survei Nasional Literasi dan Inklusi Keuangan menunjukkan bahwa indeks literasi keuangan masyarakat hanya mencapai 29.66% yang tergolong kedalam kelompok well literate. Jawa Barat sebagai provinsi dengan jumlah penduduk Indonesia terbanyak menjadikan target potensial bagi kegiatan edukasi keuangan OJK. Terlebih provinsi Jawa Barat memiliki total 47% generasi millenial yang mendominasi tenaga kerja. Sebagai generasi yang mendominasi tenaga kerja, generasi millenial dituntut untuk dapat mengelola keuangannya dengan baik. Penelitian ini bertujuan untuk menganalisis tingkat literasi keuangan dan pengelolaan keuangan pada generasi millenial di Jawa Barat serta menganalisis pengaruh literasi keuangan terhadap pengelolaan keuangan generasi millenial. Analisis data menggunakan analisis statistika deskriptif dan analisis Structural Equation Modeling (SEM) LISREL. Hasil penelitian menujukkan nilai literasi keuangan pada generasi millenial sebesar 74.09% yang termasuk kedalam kategori sufficient literate. Nilai pengelolaan keuangan sebesar 3.47 yang termasuk kedalam kategori baik serta terdapatnya pengaruh positif literasi keuangan terhadap pengelolaan keuangan pada generasi millenial.
Keyword: literasi keuangan, millenial, pengelolaan keuangan

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: 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.
Keyword: