Judul: Faktor yang Memengaruhi Penggunaan Aplikasi Bibit untuk Berinvestasi Reksa Dana Syariah pada Generasi Muda
Abstrak: Reksa dana syariah terus mengalami perkembangan dari tahun ke tahun, namun pangsa pasar reksa dana syariah masih kecil dibandingkan dengan reksa dana konvensional. Keberadaan financial technology memiliki peran strategis dalam meningkatkan investasi reksa dana syariah. Aplikasi Bibit merupakan salah satu aplikasi investasi resmi yang bertindak sebagai Agen Penjual Efek Reksa Dana (APERD). Penelitian ini bertujuan menganalisis faktor yang memengaruhi penggunaan aplikasi Bibit untuk berinvestasi reksa dana syariah pada generasi muda. Penelitian ini merupakan jenis penelitian kuantitatif dengan pendekatan SEM-PLS dan kualitatif dengan analisis deskriptif. Sampel dalam penelitian ini adalah 300 orang pengguna Bibit yang berinvestasi reksa dana syariah. Hasil penelitian ini menunjukkan bahwa faktor-faktor yang memengaruhi penggunaan aktual aplikasi Bibit untuk berinvestasi reksa dana syariah adalah perceived ease of use, perceived usefulness, perceived risk, social influence, attitude toward using, dan behavioral intention to use. Aplikasi Bibit disarankan mampu meningkatkan kualitas dan keamanan layanan pengguna serta menyebarluaskan kampanye terkait investasi reksa dana syariah., Islamic mutual funds continue to develop from year to year, but the market share of Islamic mutual funds is still small compared to conventional mutual funds. The existence of financial technology has a strategic role in increasing Islamic mutual fund investment. Bibit is one of the official investment applications that acts as a Selling Agent for Mutual Funds (APERD). This study aims to analyze the factors that influence the use of Bibit application for investing in Islamic mutual funds in the young generation. This research is a type of quantitative research with SEM-PLS approach and qualitative with descriptive analysis. The sample in this study is 300 Bibit users who invest in Islamic mutual funds. The results of this study indicate that the factors that influence the actual use of the Bibit application for investment in Islamic mutual funds are perceived ease of use, perceived benefits, perceived risk, social influence, attitudes towards use, and behavioral intentions to use. It is recommended that the Bibit application be able to improve the quality and security of services to users and disseminate campaign about Islamic mutual fund investment.
Keyword: Bibit application, investment, Islamic mutual funds, SEM-PLS, Technology Acceptance Model

Judul: Pengaruh E-service Quality dan Brand Image terhadap Minat Menggunakan Kembali Aplikasi Bibit
Abstrak: Perkembangan globalisasi membuat segala aktivitas tidak bisa terlepas dari bantuan teknologi, tidak terkecuali pada sektor investasi digital. Meningkatnya jumlah investor membuat berbagai aplikasi investasi digital bersaing untuk mencari penggunanya dengan meningkatkan kualitas layanan serta citra mereknya. Tujuan penelitian ini adalah menganalisis pengaruh e-service quality dan brand image terhadap minat menggunakan kembali aplikasi Bibit. Penelitian ini dilakukan di wilayah Jabodetabek dengan metode kuantitatif. Sampel yang diteliti adalah pengguna aplikasi Bibit di Jabodetabek dan berusia di antara 17 - 30 tahun sebanyak 160 orang yang dipilih menggunakan teknik purposive sampling. Metode pengolahan data menggunakan SEM-PLS dengan aplikasi Smart PLS 3. Hasil penelitian menunjukkan bahwa terdapat pengaruh positif dan signifikan dari e-service quality dan brand image terhadap minat menggunakan kembali aplikasi Bibit. Untuk penelitian selanjutnya dapat memperluas cakupan penelitiannya ke wilayah Pulau Jawa atau daerah lain serta dapat menambah variabel lain seperti promosi dan kemudahan penggunaan terhadap minat menggunakan kembali Bibit., The development of globalization has made all activities inseparable from technological assistance, including the digital investment sector. The increasing number of investors have made various digital investment applications compete to find users by improving the quality of service and brand image. The purpose of this study was to analyze the effect of e-service quality and brand image on the intention to reuse the Bibit application. This research was conducted in the Jabodetabek area using a quantitative method. The sample studied was Bibit application users in Jabodetabek and aged between 17-30 years as many as 160 people selected using a purposive sampling technique. The data processing method uses SEM-PLS with the Smart PLS application 3. The results show that there was a positive and significant effect of e-service quality and brand image on the interest in reusing the Bibit application. others and can add other variables such as promotions and ease of use to interest in reusing Bibit.
Keyword: Bibit Application, brand image, e-service quality, SEM-PLS

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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