Judul: Penggunaan E-wallet dan Perilaku Konsumtif Remaja Perkotaan dan Perdesaan di Bogor
Abstrak: Penggunaan E-wallet menjadi alat transaksi pembayaran yang umum bagi remaja, baik remaja perkotaan maupun remaja perdesaan di Bogor. Maka dari itu, kini timbul kekhawatiran dari kemudahan transaksi yang ditawarkan oleh E-wallet dapat memicu perilaku konsumtif remaja. Sehingga tujuan dari penulisan ini adalah mengidentifikasi perilaku penggunaan E-wallet dan perilaku konsumtif remaja, menganalisis perbedaan perilaku penggunaan E-wallet remaja perdesaan dan perkotaan, menganalisis hubungan karakteristik remaja dengan perilaku penggunaan E-wallet dan menganalisis hubungan perilaku penggunaan E-wallet dengan perilaku konsumtif remaja. Penelitian ini dilakukan dengan menggunakan pendekatan kuantitatif yang didukung data kualitatif. Data kuantitatif diperoleh dengan kuesioner, dan data kualitatif diperoleh dengan wawancara mendalam. Hasil dari penelitian ini adalah hubungan antara uang saku, belanja online, serta penggunaan E-wallet dengan perilaku konsumtif memiliki hubungan yang signifikan pada kedua lokasi. Hasil selanjutnya terdapat perbedaan signifikan antara remaja perkotaan dan perdesaan terjadi pada uang saku, pengisian nilai saldo, dan nilai belanja.
Keyword: E-wallet, perilaku konsumtif, remaja, adolescent, consumptive behavior, e-wallet

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: Pemurnian dan karakterisasi protein inhibitor RNA helikase virus hepatitis C
Abstrak: Hepatitis C virus (HCV) infection is the second most common chronic viral infection in the world with global prevalence. This infection is contribution to chronic hepatitis and liver cirrhosis, often leading to hepatocellular carcinoma. There is no effective drug and vaccine available against HCV. The current standard treatment, a combination of pegylated interferon-α with ribavirin, is limited by its suboptimal response rate in a significant patient population, side effects, and affordability. Therefore, development of effective drug is needed. One approach to find out the candidate of antiviral drug is to discover the inhibitor of enzyme that essential for virus replication, such as RNA helicase. Streptomyces chartreusis 5-095 produce the inhibitor of HCV RNA helicase. The aim of this study was to purify the protein inhibitor which has inhibition activity against ATPase activity of RNA helicase HCV from S. chartreusis 5-095. The supernatant of culture S. chartreusis 5-095 exhibited high inhibiton activity against ATPase activity of RNA helicase HCV (approximately 72%) at 10 days of incubation. The extracellular protein inhibitor was partially purified by procedures of precipitation with ammonium sulfate to 65% saturation and gel filtration (Sephadex G50) using methanol water solution (4:6) as an eluen. The purity of protein inhibitor was monitored by SDS PAGE. The protein inhibitor showed a relative molecular mass were estimated to be 14 kDa and increased the purity 23,08 fold than those of the crude protein. The specific activity and IC50 after purification were 13,1338 U/mg and 0,0767 mg/mL, respectively. The activity of purified protein inhibitor showed its stability over pH range from 5-8 and optimum at pH 7,4. The inhibition activity showed its stability up to 70% at temperature 100 oC. The purified protein inhibitor relatively stable its activity at storage in the range of -20 oC to room temperature for 35 days.
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