Judul: Pengaruh Motivasi, Kebutuhan, dan Akses Informasi terhadap Perencanaan Keuangan Keluarga dalam Pembelian Asuransi Jiwa
Abstrak: People in their lives need security and comfort. The need of security is a situation which a person does not feel afraid in his/her life. Family should be able to manage of their material resource so that they can get achievement in the future. One of the managerial tools is financial planning in life insurance purchasing. Life insurance is a tool that can be done by family for getting security in the life. The sample in this research was a member of the family (husband or wife) who did financial planning. Samples were determined by using simple random sampling of 84 peoples. Data were collected by interview based on questionnaire. The aim of this research was to analyze the effect of motivation, needs, and information access on financial planning in life insurance purchasing. The result showed that motivation and need of security positively affected family financial planning in the life insurance purchasing
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Judul: Pengaruh Nilai dan Akses Informasi terhadap Perencanaan Keuangan Keluarga dalam Pembelian Asuransi Jiwa
Abstrak: Life insurance is one of many ways to anticipate risks in the future. The aim of this research was to analyze value due to the priorities scale of its dimension, to analyze information access, and to analyze their influences towards financial planning in purchasing life insurance. The population of this research was 507 family in Kebon Pedes Village, Tanah Sareal District, Bogor City. The location had prosperous family I, II, and III plus, the most in Tanah Sareal District. The sample of this research was 84 family that was determined by Slovin equation and pulled off by simple random sampling. The result of this research showed that the respondents getting information was 90.5 percent of the sample, and those who did not was 9.5 percent of the sample. Maximum sources the respondents had were 9 sources. The trusted one was life insurance agent. Besides, friends or neighbours and family are also trusted by each 16.7 and 6.0 percent of the sample. The dimension of the value having highest priority was Universalism which was one of the social values. Value was significantly affecting financial planning in life insurance purchasing.
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Judul: Identifikasi Isolat Bakteri Tahan Krom(VI) dan Pengujian Aktivitas Enzim Krom(VI) Reduktase
Abstrak: Cr(VI) (chromate) is a toxic, soluble environmental contaminant. A Gram-negative, Cr(VI)-resistant bacterium, has been isolated from effluent of electroplating wastewater treatment reactor. This strain had maximum identity value as high as 96% to Ralstonia pickettii and Ralstonia sp. M2S3. This value indicated that the strain was a species of Ralstonia genera. Because of this reason, the strain was designated as Ralstonia sp. Cr6NS. Ralstonia sp. Cr6NS was able to grow aerobically in 250 ppm Cr(VI) and had Cr(VI) reducing-capacity as high as 4,11 x 10-8μg Cr(VI)/hour/cell. From the study of enzymatic activity, Ralstonia sp. Cr6NS showed the activity of Cr(VI)-reductase both in periplasmic and sitoplasmic content. The highest activity was found in periplasmic matrix. However, the strain seemed not secreting this enzyme to the external medium.
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