Judul: The Influence of Financial Literacy, Lifestyle, and Perceptions of Ease on Impulse Buying in E-Wallet Users
Abstrak: Pembayaran non tunai dengan e-wallet terus mengalami peningkatan. Namun perkembangan ini tidak diikuti dengan tingkat literasi keuangan yang memadai. Gap literasi dan inklusi keuangan yang tinggi mengindikasi bahwa banyaknya masyarakat yang menggunakan produk keuangan tanpa memiliki pemahaman dan keterampilan yang cukup atas produk keuangan yang digunakannya. E-wallet hadir dengan tujuan untuk memberikan kemudahan pada penggunanya. Namun kemudahan ini memiliki pengaruh negatif karena mempermudah masyarakat untuk melakukan pembelian impulsif. Oleh karena itu, penelitian ini bertujuan untuk mengidentifikasi tingkat literasi keuangan dan menganalisis pengaruh tingkat literasi, gaya hidup, dan persepsi kemudahan terhadap impulse buying. Pengolahan data pada penelitian ini menggunakan SEM-PLS 4.0. Penelitian ini menggunakan kuesioner yang melibatkan 190 orang responden pengguna e-wallet di Jabodetabek. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan generasi Z yang termasul well literate sebesar 30,5%. Impulse buying dipengaruhi oleh gaya hidup dan persepsi kemudahan. Sedangkan literasi keuangan tidak dapat memengaruhi impulse buying., Chasless payments with e-wallets continuous growth. However, this development was not accompanied by a sufficient level of financial literacy. High levels of financial literacy and inclusion gaps indicated that many individuals were using financial products without having an adequate understanding and skills related products they used. E-wallets were introduced with the aim of providing convenience to their users. However, this convenience had a negative impact as it made it easier for people to make impulsive purchases. The purpose of this research was to identify the level of financial literacy and analyze the influence of financial literacy, lifestyle, and perceived of ease on impulse buying. Processing data in this study used SEM-PLS 4.0. This study used questionnaires of 190 e-wallet users in Jabodetabek. The research results showed that the financial literacy level of Generation Z, which was considered well-literate, was at 30.5%. Impulse buying was influenced by lifestyle, perceived of ease. However, financial literacy did not affect impulse buying.
Keyword: e-wallet, financial literacy, impulse buying, lifestyle, perceived of ease

Judul: The Influence of Financial Literacy, Sociodemographic, Financial, and the Covid-19 Pandemic toward Financial Decisions in Use of E-Wallet in Generation Z
Abstrak: Perkembangan teknologi yang semakin maju menuntut setiap individu untuk mampu beradaptasi, salah satunya yaitu dengan menggunakan alat pembayaran digital. Alat pembayaran digital seperti e-wallet dapat membantu proses pembayaran saat terjadinya pandemi Covid-19. Literasi keuangan dibutuhkan untuk dapat mengoptimalkan penggunaan e-wallet. Penelitian ini bertujuan untuk (1) menganalisis tingkat literasi keuangan mahasiswa S1, (2) menganalisis pengaruh faktor sosiodemografi dan faktor finansial terhadap tingkat literasi keuangan mahasiswa S1, (3) menganalisis pengaruh literasi keuangan, faktor sosiodemografi, faktor finansial, dan pandemi Covid-19 terhadap keputusan keuangan dalam penggunaan e-wallet pada mahasiswa S1. Metode analisis data yang digunakan yaitu analisis deskriptif dan analisis SEM-PLS. Hasil dari penelitian ini menunjukkan bahwa tingkat literasi keuangan mahasiswa S1 di Jabodetabek sebesar 20%. Terdapat pengaruh positif signifikan pada faktor sosiodemografi terhadap literasi keuangan, serta literasi keuangan dan faktor finansial terhadap keputusan keuangan dalam penggunaan e-wallet., The development of technology that increasingly advanced requires everyone to be able to adapt, one of which is by using digital payment instruments. Digital payment instruments such as e-wallet can help the payment process during the Covid-19 pandemic. Financial literacy is needed to optimize the use of e-wallet. This study aims to (1) analyze the level of undergraduate students financial literacy, (2) analyze the effect of sociodemographic factors and financial factors towards financial literacy of undergraduate students, (3) analyze the effect of financial literacy, sociodemographic factors, financial factors, and the Covid-19 pandemic toward financial decisions in the use of e-wallet for undergraduate students. The data analysis method used is descriptive analysis and SEM-PLS analysis. The results of this study showed that the level of financial literacy of undergraduate students in Jabodetabek was 20%. There is a significant positive effect of sociodemographic factors on financial literacy, as well as financial literacy and financial factors on financial decisions in the use of e-wallet.
Keyword: Covid-19 pandemic, e-wallet, financial literacy, generation Z

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