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: Investment Decisions by Beginner Investors based on Motivation, Literacy and Behavior (Case Study of JABODETABEK Students)
Abstrak: Peran "Generasi-Z" (kelahiran tahun 1997–2012) sebagai bonus demografi bagi Indonesia membutuhkan pengembangan kapasitas kompetensi produktif, termasuk dalam berinvestasi, sebagai tantangan. Permasalahannya, berbagai riset masih menunjukkan bahwa keputusan berinvestasi oleh generasi muda Indonesia tersebut masih mengalami berbagai kendala, baik dalam motivasi, literasi dan perilakunya. Penelitian ini bertujuan mengidentifikasi dan menganalisis pengaruh motivasi, literasi, dan perilaku. Apakah dugaan perilaku herding (ikut-ikutan) terjadi pada Generasi Z dan berpengaruh terhadap keputusan investasi. Penelitian ini dilakukan di Jabodetabek pada bulan Februari – Agustus 2022. Jumlah sampel penelitian ini sebanyak 137 responden dengan mengunakan pendekatan purposive sampling. Metode yang digunakan ialah analisis deskriptif dan SEM-PLS. Hasil penelitian ini menunjukkan bahwa motivasi investasi, literasi keuangan, dan dugaan perilaku herding berpengaruh positif signifikan terhadap keputusan investasi. Literasi keuangan bersifat prediktor moderasi dalam menurunkan pengaruh perilaku herding terhadap keputusan investasi., The development of productive competence capacity, including investing, is a challenge given the role of "Generation-Z" (birth years 1997–2012) as a demographic bonus for Indonesia. The issue is that numerous studies continue to demonstrate that the young people of Indonesia still face a number of challenges when making investment decisions, including challenges with motivation, literacy, and behavior. The purpose of this study is to find and examine the relationship between behavior, literacy, and motivation. Do members of Generation Z exhibit the reported herding behavior, which may influence financial decisions. This research was conducted in Jabodetabek from February to August 2022. This study used the purposive sampling method and 137 respondents in total. Descriptive analysis and SEM-PLS are the method employed. The findings of this study suggest that investing motivation, financial literacy, and herding behavior have a considerable favorable impact on investment decisions. Financial literacy is a moderating predictor in lowering the impact of herding behavior on investing decisions.
Keyword: herding, investment literacy, financial literacy, investment decisions, investment motivation

Judul: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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