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: Pengaruh Literasi Keuangan dan Perilaku Penggunaan Fintech Payment terhadap Pengelolaan Keuangan Mahasiswa Jabodetabek
Abstrak: Generasi muda mempunyai potensi yang besar dalam meningkatkan tingkat literasi keuangan serta kemampuan dalam menggunakan layanan keuangan dengan optimal yang akan berdampak pada pengelolaan keuangan. Subjek penelitian ini adalah mahasiswa Jabodetabek. Penelitian ini bertujuan untuk 1) menganalisis tingkat literasi keuangan, tingkat perilaku penggunaan fintech payment, dan tingkat pengelolaan keuangan pada mahasiswa di Jabodetabek, 2) menganalisis pengaruh literasi keuangan terhadap pengelolaan keuangan mahasiswa di Jabodetabek, dan 3) menganalisis pengaruh penggunaan fintech payment terhadap pengelolaan keuangan mahasiswa di Jabodetabek. Metode analisis pada penelitian ini adalah analisis deskriptif dan Structural Equation Modelling (SEM) PLS. Hasil penelitian menunjukkan bahwa rata-rata tingkat literasi keuangan mahasiswa Jabodetabek sebesar 81,09% dan tergolong well literate, tingkat perilaku penggunaan fintech payment sebesar 84,43% dan tergolong sangat tinggi, serta tingkat pengelolaan keuangan mahasiswa Jabodetabek sebesar 80,93% dan tergolong sangat baik. Terdapat pengaruh positif dan signifikan literasi keuangan terhadap pengelolaan keuangan dan terdapat pengaruh positif dan signifikan perilaku penggunaan fintech payment terhadap pengelolaan keuangan., The younger generation has great potential in increasing the level of financial literacy and the ability to use financial services optimally which will have an impact on their financial management. The subject of this research is Jabodetabek college students. This study aims to 1) analyze the level of financial literacy of students in Jabodetabek, the level of student use of fintech payments in Jabodetabek, and the level of financial management of students in Jabodetabek, 2) analyze the effect of financial literacy on financial management of students in Jabodetabek, and 3) analyze the effect of using fintech payments on student financial management in Jabodetabek. The method of analysis in this study is descriptive analysis and PLS Structural Equation Modeling (SEM). The results showed that the average of the level of financial literacy of Jabodetabek students was 81,09% and classified as well literate, the behavioral level of using fintech payments was 84.43% and classified as very high, and financial management of Jabodetabek students was 80.93% and classified as very good. There is a positive and significant effect of financial literacy and the behavior of using fintech payments on financial management.
Keyword: College students, financial literacy, financial management, fintech payment

Judul: Characterizations of low alloy steel sae 4422  plated with chromic acid (Cro3)
Abstrak: Characterizations of low alloy steel SAE 4422 plated with chromic acid (CrOrO3) was use Optical Microscopy (OM), Scanning Electron Microscopy (SEM), X-Ray Diffraction (XRD), RD),Energy Dispersive Analysis of X-Ray (EDAX), Hardness Test and Roughness Test. Microstructures analysis exhibits cracks and grain boundaries microcracks as a characteristics of chrome metal found at plating metal. Perlite and Ferrite as grains of steel found at base metal with grain boundaries around it. Phase analysis of plating metal appropriate to chrome metal with lattice constant (a) is 2.559 Å and phase analysis of base metal appropriate to iron ferrite with lattice constant (a) is 3.318 Å. Both plating and base metal have cubic system. Chemical analysis of plating metal at surface section exhibits that cracks area have highest value of carbon element compare with grains and grains boundaries area. While chemical analysis of base metal at cross section exhibits that perlite have highest value of carbon element compare with ferrite and grain boundaries. The hardness value of plating metal at surface section and cross section are 753 and 637 VHN. While, the hardness value of base metal and interface area at cross section are 205 and 373 VHN. The roughness value at measurement points of chrome surface for as received sample are 0.445 μm. Observation used Optical Microscopy and Scanning Electron Microscopy exhibits surface irregularities combine to form surface texture of plating metal at surface section.
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