Judul: Analisis Karakteristik Demografi, Sosial dan Ekonomi terhadap Gaya Hidup dan Motivasi Pengguna Paylater di Jabodetabek
Abstrak: Paylater merupakan salah satu metode pembayaran berjenis fintech peer-to-peer-lending yang memiliki sistem pinjaman secara digital sehingga konsumen dapat membeli produk terlebih dahulu dan pembayarannya dilakukan dengan cara mencicil. Pada daerah DKI Jakarta, Jawa Barat dan Banten tercatat sebagai daerah dengan penerima pinjaman terbesar di Indonesia. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh karakteristik demografi, sosial serta ekonomi terhadap gaya hidup dan motivasi pengguna paylater di Jabodetabek. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross sectional. Pengambilan data dilakukan melalui survey online dengan penentuan contoh secara convenience sampling. Jumlah sampel pada penelitian ini sebanyak 278 masyarakat Jabodetabek pengguna paylater. Hasil penelitian dianalisis menggunakan analisis deskriptif dan smart Partial Least Square (PLS). Hasil analisis menunjukkan jenis kelamin dan pendapatan memiliki pengaruh positif signifikan terhadap gaya hidup pengguna paylater, serta pendapatan memiliki pengaruh positif signifikan terhadap motivasi pengguna paylater. Selain itu, terdapat pengaruh positif signifikan gaya hidup terhadap motivasi pengguna paylater. Penelitian juga membuktikan bahwa jenis kelamin dan pendapatan memiliki pengaruh positif secara tidak langsung terhadap motivasi pengguna paylater., Paylater is a peer-to-peer-lending fintech type payment method that has a digital loan system so that consumers can buy products in advance and payments are made in installments. The DKI Jakarta, West Java and Banten regions are listed as the regions with the largest loan recipients in Indonesia. The purpose of this study is to analyze the effect of demographic, social and economic characteristics on the lifestyle and motivation of paylater users in Jabodetabek. This research uses a quantitative approach with an cross sectional design. Data collection was conducted through an online survey with convenience sampling. The number of samples in this study were 278 Jabodetabek paylater users. The results were analyzed using descriptive analysis and smart Partial Least Square (PLS).. The results of the analysis show that gender and income have a significant positive influence on the lifestyle of paylater users, and income have a significant positive influence on the motivation of paylater users. In addition, there is a significant positive effect of lifestyle on the motivation of paylater users. The study also proves that gender and income have an indirect positive influence on the motivation of paylater users.
Keyword: lifestyle, motivation, paylater

Judul: Analysis of Need Recognition and Usage Behavior of Paylater in Jabodetabek
Abstrak: Paylater marak digunakan oleh masyarakat Indonesia, utamanya pada masyarakat di kawasan Jabodetabek. Banyaknya penggunaan paylater oleh masyarakat disebabkan karena adanya kemudahan dan manfaat yang ditawarkan kepada konsumen. Selain itu, pesatnya perkembangan teknologi dan tingginya biaya hidup di kawasan Jabodetabek juga seringkali membuat konsumen untuk melakukan transaksi menggunakan paylater. Tujuan dilakukan nya penelitian ini adalah untuk mengetahui pengaruh karakteristik demografi (usia, jenis kelamin, dan status perkawinan), sosial (tingkat pendidikan dan pekerjaan), dan ekonomi (pendapatan) terhadap pengenalan kebutuhan dan perilaku penggunaan paylater di Jabodetabek. Penelitian ini menggunakan metode kuantitatif dan desain penelitian cross-sectional study. Penarikan contoh pada penelitian ini menggunakan teknik non-probability sampling yaitu convenience sampling. Analisis data meliputi analisis deskriptif, uji korelasi, serta uji pengaruh yang dilakukan menggunakan Microsoft Excel 2021, IBM SPSS 26, dan SmartPLS. Jumlah contoh yang dianalisis pada penelitian ini berjumlah 278 responden yang pernah ataupun sedang menggunakan paylater sebagai metode pembayaran, berusia lebih dari 17 tahun, dan berdomisili di Jabodetabek. Kawasan Jabodetabek dipilih sebagai lokasi penelitian karena merupakan pusat kawasan ekonomi di Indonesia dan pusat perkembangan teknologi di Indonesia, sehingga masyarakat di Jabodetabek juga memiliki sikap yang baik dalam menerima perkembangan teknologi. Hasil penelitian menunjukkan bahwa jenis kelamin memiliki pengaruh terhadap pengenalan kebutuhan. Juga terdapat pengaruh antara tingkat pendidikan, pendapatan, dan pengenalan kebutuhan terhadap perilaku penggunaan paylater., Paylater is widely used by the Indonesian society, especially among the people in Jabodetabek area. The prevalence of paylater usage among the people is attributed by the convenience and benefits it offers to consumers. Additionally, the rapid advancement of technology and the high cost of living in the Jabodetabek area often prompt consumers to conduct transactions using paylater. The purpose of this research is to determine the influence of demographic characteristics (age, gender, and marital status), social factors (education level and occupation), and economic factors (income) on the need recognition and the usage behavior of paylater in Jabodetabek. This research utilizes a quantitative method, employing a cross-sectional study design. The sampling technique employed in this study is non-probability convenience sampling. Data analysis includes descriptive analysis, correlation tests, and effect tests conducted using Microsoft Excel 2021, IBM SPSS 26, and SmartPLS. The total number of respondents analyzed in this research is 278 individuals who have used or are currently using paylater as a payment method, are aged over 17 years old, and reside in Jabodetabek. The Jabodetabek area was chosen as the research location because it is the economic center of Indonesia and a hub for technological development, leading the people in Jabodetabek to have a positive attitude towards technological advancements. The research findings indicate an influence of gender on the need recognition. There is also an influence of education level, income, and need recognition on the usage behavior of paylater.
Keyword: paylater, Consumer characteristics, need recognition, Usage behavior, Financial Technology

Judul: Sintesis dan Pencirian Kompleks Fe(III)-Kuersetin
Abstrak: Quercetin belongs to flavonols which is able to chelate metal ions. Quercetin may chelate metal ions at 3’,4’-catechol, 3- or 5-hydroxycromone sites. In this study, quercetin was complexed with Fe(III). The complex with Fe(III) ions from FeCl3·6H2O was more stable than the complex derived from Fe(NO3)3·9H2O. The quercetin was yellow in color and showed maximum wavelengths (λ􀭫􀭟􀭶) at 250 and 370 nm. The Fe(III)-quercetin complex from Fe(NO3)3·9H2O was yellowish green with 􀟣􀭫􀭟􀭶 at 280 and 420 nm, whereas that from FeCl3·6H2O was dark green with 􀟣􀭫􀭟􀭶 at 280 and 430 nm. The 􀟣􀭫􀭟􀭶 shift indicated that the complex was formed at 3-hydroxychromone site. The Fe(III)- quercetin complex was formed with 1:1 metal-ligand mole ratio based on atomic absorption spectrophotometry analysis and the X-ray diffractogram showed that the crystallinity of the complex was 37%.
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