Judul: The Influence of Hedonic Lifestyle and Debting Attitude Against the Paylater Use in Millennials and Generation Z
Abstrak: Di era digital seperti saat ini, tren belanja online setiap tahunnya selalu mengalami peningkatan. Berbelanja adalah salah satu aktivitas yang dapat memenuhi hasrat kaum hedonis. Di sisi lain terdapat kemudahan metode pembayaran yang ditawarkan, salah satunya adalah paylater. Penelitian ini bertujuan untuk menganalisis perbedaan gaya hidup hedonis, sikap berutang, dan penggunaan paylater antara generasi milenial dan generasi Z. Selain itu penelitian ini bertujuan untuk menganalisis pengaruh karakteristik konsumen, gaya hidup hedonis, dan sikap berutang terhadap penggunaan paylater pada generasi Milenial dan generasi Z. Penelitian berlokasi di Kota Denpasar, Provinsi Bali dengan teknik quota sampling. Data penelitian dianalisis menggunakan analisis deskriptif, uji t, dan uji regresi berganda menggunakan IBM SPSS 26.0. Hasil uji t menunjukkan bahwa tidak terdapat berbedaan yang signifikan antara generasi milenial dan generasi Z dalam variabel gaya hidup hedonis, sikap berutang, dan penggunaan paylater. Hasil uji regresi berganda menunjukkan bahwa lama pendidikan pada variabel karakteristik, gaya hidup hedonis, dan sikap berutang berpengaruh terhadap penggunaan paylater., In today's digital era, every year the trend of online shopping is always increasing. Shopping is one of the activities that can fulfill the desires of hedonists. On the other hand, there are easy payment methods offered, one of which is paylater. This study aims to analyze differences in hedonic lifestyles, debt attitudes, and the use of paylater between millennials and generation Z. In addition, this study aims to analyze the effect of consumer characteristics, hedonic lifestyles, and debt attitudes on the use of paylater in the Millennials and generation Z. The research was located in Denpasar City, Bali Province with quota sampling technique. The research data were analyzed using descriptive analysis, t test, and multiple regression tests using IBM SPSS 26.0. The t test results show that there is no significant difference between millennials and generation Z in the variables of hedonic lifestyle, debt attitudes, and use of paylater. The results of multiple regression tests show that the length of education in the characteristics variable, hedonic lifestyle, and debt attitude affect the use of paylater.
Keyword: debt, generation Z, hedonic, millennials, paylater, generasi milenial, generasi Z, hedonis, utang

Judul: The Effect of Financial Literacy and Hedonic Lifestyle Towards Investment Decision Across Millennials and Z Generation
Abstrak: Investor milenial dan Z mengalami peningkatan minat dalam berinvestasi pada produk pasar modal. Terdapat beberapa faktor yang memengaruhi keputusan investasi seperti jenis kelamin, status perkawinan, tingkat literasi keuangan, dan gaya hidup hedonis. Terdapat perbedaan gaya hidup hedonis dan keputusan investasi pada kedua generasi. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan gaya hidup terhadap keputusan investasi generasi milenial dan Z. Penelitian ini menggunakan teknik penarikan contoh voluntary sampling dengan total 193 responden generasi milenial dan Z di Indonesia. Berdasarkan hasil penelitian pada generasi milenial dan Z, pengetahuan keuangannya terkategori tinggi, sikap keuangannya terkategori sedang, perilaku keuangan generasi milenial terkategori tinggi, dan pada generasi Z terkategori sedang. Gaya hidup hedonis kedua generasi terkategori rendah dan keputusan investasinya terkategori tinggi. Jenis kelamin dan gaya hidup hedonis berpengaruh signifikan negatif terhadap keputusan investasi. Perilaku keuangan berpengaruh signifikan positif terhadap keputusan investasi., Nowadays, millennial and Z investors are more likely to buy financial products of capital market. There are some factors that influence investment decisions such as gender, marital status, level of financial literacy, and hedonic lifestyle. There are differences in the lifestyles between the two generations. This study aims to analyze the effect of financial literacy and lifestyle towards investment decisions across millennial and Z generations. This research used a voluntary sampling technique with total of 193 respondents in Indonesia. Based on the results of this study, financial knowledge of both generation is in the high category, while financial attitude is in the moderate category. Furthemore, behavior of the millennial generation is in the high category, Z generation is in the moderate category. The hedonic lifestyle of both generations are in the low category and their investment decisions are in the high category. Gender and hedonic lifestyle have a significant negative effect on investment decisions, while financial behavior have a significant positive effect on investment decisions.
Keyword: financial literacy, investment decisions, hedonic lifestyle, millennial generation, Z generation

Judul: Reaksi dan Titer Antiserum Monoklonal Tomato chlorosis virus (ToCV) terhadap Antigen Virus pada Tanaman Tomat.
Abstrak: Tomato cholorosis virus (ToCV) commonly infects tomato plants worldwide. The virus induces chlorosis disease on the plants and causes significant economic losses. Reverse transcription-polymerase chain reaction is the only method available for ToCV detection. But, currently, a monoclonal-like antiserum was successfully produced using an antigen containing oligo 16 amino acids generated based on ToCV coat protein gene. The aims of the research were (1) to analyze the antiserum reaction to the viral antigen in tomato plant and (2) to measure the titer of the antiserum. Serological reactions were analyzed using agarose gel precipitation test (AGPT) and dot immunobinding assay (DIBA). The titer of the antiserum was measured using undiluted sap prepared from ToCV-infected tomato leaf tissues. Based on the research result, there is no any precipitation of antigen-antibody complex visible on AGPT, and there for, this serological method was not reliable for analyzed serological reaction of the virus. On the other hand, DIBA gave a strong positive signal if the antiserum was reacted with ToCV-containing sap, but there no any positive signal if the antigen extracted from healthy tomato plant. Using this method, furthermore, the titer of the antiserum was reach to 1/10000. The DIBA, therefore, considered as a reliable serological method for the ToCV using this monoclonal antiserum
Keyword: reverse transcription–polymerase chain reaction., dot immunobinding assay, antiserum titer, agarose gel precipitation test