Judul: Self-Esteem, Money Attitude, Perilaku Penggunaan Kartu Kredit, Dan Perilaku Pembelian Kompulsif Pada Wanita Bekerja
Abstrak: Perilaku pembelian kompulsif dianggap menjadi suatu hal yang tidak terkendali atau limit keuangan yang tidak terkontrol dan merupakan fenomena perilaku pembelian baru yang telah dialami oleh konsumen di berbagai negara di dunia. Tujuan penelitian ini adalah untuk menganalisis self-esteem, money attitude, dan perilaku penggunaan kartu kredit terhadap perilaku pembelian kompulsif pada wanita bekerja. Penelitian ini menggunakan desain cross sectional dengan metode survey elektronik (e-survey) yang melibatkan 60 wanita bekerja pengguna kartu kredit yang berdomisili di wilayah Jabodetabek. Penelitian ini menggunakan analisis korelasi Pearson dan regresi linier berganda. Hasil penelitian menunjukkan power prestige, anxiety, retention-time, dan perilaku penggunaan kartu kredit berhubungan nyata dengan perilaku pembelian kompulsif. Lama pendidikan berpengaruh negatif nyata, dan anxiety berpengaruh positif nyata terhadap perilaku penggunaan kartu kredit. Selain itu, retention-time berpengaruh negatif nyata dan perilaku penggunaan kartu kredit berpengaruh positif nyata terhadap perilaku pembelian kompulsif.
Keyword: kartu kredit, money attitude, perilaku pembelian kompulsif, selfesteem

Judul: Pengaruh Psychological Factors, Financial  Literacy, dan Paylater Misuse terhadap Compulsive Buying
Abstrak: Peningkatan tren belanja online melalui e-commerce di masa pandemi Covid-19 turut didukung dengan perkembangan metode pembayaran digital, salah satunya paylater. Paylater memungkinkan konsumen untuk membeli barang sekarang dan membayarnya kemudian dengan cicilan setiap bulan. Pertumbuhan paylater di Indonesia dapat mendorong perkembangan ekonomi digital dan selaras dengan tujuan pembangunan berkelanjutan (Sustainable Development Goals/SDGs). Namun, apabila tidak dikendalikan, penggunaan paylater justru berisiko memicu perilaku compulsive buying dan meningkatkan jumlah hutang yang dimiliki konsumen. Penelitian ini bertujuan untuk menganalisis karakteristik pengguna paylater di Jabodetabek, menganalisis pengaruh psychological factors dan financial literacy terhadap paylater misuse, dan menganalisis pengaruhnya terhadap compulsive buying. Penelitian ini menggunakan sampel sebanyak 275 responden pengguna paylater di Jabodetabek. Sampel penelitian ditentukan menggunakan metode non-probability sampling jenis convenience sampling dan quota sampling. Selanjutnya, hasil penelitian dianalisis menggunakan analisis deskriptif dan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian ini menunjukkan bahwa psychological factors, financial literacy, dan paylater misuse memiliki pengaruh yang positif dan signifikan terhadap compulsive buying., The increasing trend of online shopping through e-commerce during the Covid-19 pandemic is also supported by the development of digital payment method, one of which is paylater. Paylater allows consumers to buy now and pay later in monthly installments. Paylater growth in Indonesia can encourage the development of the digital economy and is in line with sustainable development goals (SDGs). However, if not controlled, the use of paylaters actually risks triggering compulsive buying behavior and increasing the amount of debt owned by consumers. This research aims to analyze the characteristics of paylater users in Jabodetabek, analyze the influence of psychological factors and financial literacy toward paylater misuse, and analyze its influence toward compulsive buying. The sample of this research was 275 respondents of paylater users in Jabodetabek. The research sample was determined using the non-probability sampling method, types convenience sampling and quota sampling. Furthermore, the research results were analyzed using descriptive analysis and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results of this research show that psychological factors, financial literacy, and paylater misuse have a positive and significant effect on compulsive buying.
Keyword: compulsive buying, paylater, SDGs, SEM-PLS

Judul: Extracellular Expression of thermostable Geobacillus stearothermophilus T1.2RQ Lipase for Biodiesel Production
Abstrak: The extracellular expression of enzymes in an excellent secretion host such as Bacillus subtilis is a useful strategy for making enzymes of industrial significance more affordable by lowering the cost of its downstream processing. Lipases are a category of hydrolases that catalyze the hydrolysis of triglycerides to glycerol and free fatty acids. Also, lipases catalyze the hydrolysis and transesterification of other esters as well as the synthesis of esters. They can perform very specific biotransformation reactions and are widely used in food, organic synthesis, detergents, cosmetic, and pharmaceutical industries. Geobacillus stearothermophilus T1.2RQ lipase is an industrially-desired thermostable lipolytic enzyme with an excellent hydrolytic and transesterification activity. This study aimed to express T1.2RQ lipase, in B. subtilis WB800 and ensure its secretion into the extracellular medium. Three signal peptides (AmyQ, Epr, LipA) and two promoters (Pgrac01 and Pgrac100) were used in the secretory-expression of T1.2RQ lipase, based on five constructed expression vectors constructed by restriction cloning and PCR mutagenesis. Sangers sequencing was used to verify constructs to ensure they are in the correct reading frame. Recombinants vectors, pHT43 (plasmid control), pHT43-T1.2RQ, pHT43- T1.2RQ_AmyQ, pHT43-T1.2RQ_Epr, and pHT43-T1.2RQ_LipA, were transformed by electroporation into Bacillus subtilis WB800. The electroporation was successful with the optimum condition of 2500V, 200 ohms, 25µF, and 5milliseconds. Recombinant B. subtilis pHT43 (negative control) and pHT43-T1.2RQlip + signal peptides were streaked on the lipidic agar, LA+TBN. All four recombinants, including the negative control (B. subtilis WB800-pHT43), produced clear zones on the TBN agar plate after overnight incubation (fig 2), indicating the presence of a lipolytic enzyme in all of the recombinant B. subtilis cells. pHT43-T1.2RQlip + signal peptides (AmyQ, Epr, and LipA) have clear zones with significantly higher diameters than B. subtilis WB800-pHT43 (negative control). This phenomenon suggests that the recombinant thermostable lipase T1.2RQ introduced into these cells was successfully expressed, thereby increasing the lipolytic capability of its host cells T1.2RQ lipase was expressed in 50ml terrific broth medium (TB) and the expression induced with 1mM IPTG. Lipase activity assay using p-nitrophenyl esters showed that all three signal peptides directed the secretion of T1.2RQ lipase into the extracellular medium. Signal peptide, LipA, resulted in the highest extracellular activity of 5.6 U/mL, which corresponds to a 6-fold increase over the parent B. subtilis WB800 strain. Meanwhile, signal peptides, AmyQ and Epr produced 4.2 U/mL and 3.4 U/mL activity respectively. SDS-Zymogram analysis confirmed that T1.2RQ lipase was correctly processed and secreted in its original size of 44 kDa. An attempt to further increase lipase expression level by promoter optimization showed that, contrary to expectation, promoter Pgrac100 exhibited similar expression levels as the original Pgrac01. Nevertheless, the demonstration of the successful secretion of T1.2RQ lipase in this work confirms the latter as a promising approach for the industrial production of the enzyme
Keyword: Bacillus subtilis, Expression, Extracellular, Heterologous, Lipase, Thermostable