Judul: Faktor-faktor yang Memengaruhi Minat Generasi Milenial Memilih Produk Persiapan Pensiun (Studi Kasus: Kota Sukabumi)
Abstrak: Kota Sukabumi memiliki jumlah penduduk berusia produktif lebih banyak yaitu sebesar 67.37 persen dengan proporsi usia milenial sebesar 30 persen. Banyaknya jumlah generasi milenial dapat memberikan peluang untuk meningkatkan perkembangan aset bagi badan atau lembaga keuangan syariah khususnya Asuransi Jiwa Syariah dan Dana Pensiun Syariah. Penelitian ini bertujuan untuk mengidentifikasi karakteristik responden yaitu generasi milenial yang minat memilih produk persiapan pensiun pada Asuransi Jiwa Syariah dan Dana Pensiun Syariah, serta menganalisis faktor-faktor yang memengaruhinya. Penelitian ini menggunakan metode cross tabulation dan analisis regresi logistik multinomial. Berdasarkan hasil analisis regresi logistik multinomial variabel penjelas yang berpengaruh signifikan terhadap responden generasi milenial yang memilih produk persiapan pensiun Asuransi Jiwa Syariah adalah usia dan pekerjaan. Kemudian, variabel penjelas yang berpengaruh signifikan terhadap responden generasi milenial yang memilih produk persiapan pensiun Dana Pensiun Syariah adalah pendidikan., Sukabumi has a productive age dominant population, which reached 67.37 percent, with the proportion of millennials are 30 percent. That millennials are expected to grab the opportunity to increase the Islamic financial institutions' assets, especially for Islamic life insurance (takaful) and Islamic pension fund (Islamic retirement funds). This study aims to identify the characteristics of respondents, namely millennials who are interested in choosing retirement preparation products in Islamic Life Insurance and Islamic Pension Fund, as well as analyzing the factors affecting them. Cross tabulation and multinomial logistic regression analysis are used to analyze the collected data. Based on the results of the analysis of multinomial logistic regression, the explanatory variables that have a significant effect on millennial respondents who choose Islamic life insurance retirement preparation products are age and occupation. Meanwhile, the explanatory variable that has a significant effect on millennial respondents who choose Islamic retirement preparation products is education.
Keyword: millennial generation, multinomial logistic regression, retirement

Judul: Financial Literacy, Financial Self-Efficacy, Future Orientation and Theory of Planned Behaviour of Retirement Fund Interest
Abstrak: Indonesia memiliki angkatan kerja yang tinggi, namun hanya 6% atau 3.990.234 orang yang menjadi anggota dana pensiun. Berdasarkan survei DPLK tahun 2020 hanya 14% generasi milenial yang memiliki program pensiun, padahal generasi ini paling rentan menghadapi pensiun. Tujuan penelitian ini adalah untuk mengidentifikasi tingkat literasi keuangan, financial self-efficacy, orientasi masa depan dan faktor-faktor theory of planned behavior yang memengaruhi minat investasi dana pensiun pada generasi milenial. Data yang digunakan berupa data primer dan sekunder dengan metode analisis menggunakan SEM-PLS. Penelitian dilaksanakan di Jabodetabek pada bulan Maret-Juli 2023. Hasil penelitian menunjukkan bahwa minat investasi dana pensiun generasi milenial dipengaruhi secara signifikan oleh orientasi masa depan, attitude toward behavior, dan perceived behavioral control. Literasi keuangan, financial self-efficacy, dan subjective norm memiliki arah pengaruh positif namun tidak signifikan terhadap minat investasi dana pensiun. Implikasi penelitian ini menunjukkan bahwa tingkat literasi keuangan, financial self-efficacy, dan orientasi masa depan yang baik akan berdampak positif terhadap minat investasi dana pensiun seseorang. Oleh karena itu, perlu adanya upaya untuk meningkatkan literasi keuangan dana pensiun, financial self-efficacy, dan orientasi masa depan pada generasi milenial guna mengajak mereka berinvestasi dana pensiun demi mencapai keuangan yang lebih stabil ketika memasuki masa pensiun., Indonesia has a high labor force, but only 6% or 3,990,234 people are members of pension funds. Based on a 2020 DPLK survey, only 14% of millennials have a pension plan, even though this generation is most vulnerable to retirement. The purpose of this study is to identify the level of financial literacy, financial self-efficacy, future orientation and theory of planned behavior factors that influence pension fund investment interest in the millennials. The data used are primary and secondary data with the analysis method using SEM-PLS. The research was conducted in Jabodetabek in March-July 2023. The results showed that millennials' pension fund investment interest was significantly influenced by future orientation, attitude towards behavior, and perceived behavioral control. Financial literacy, financial self-efficacy, and subjective norm have a positive but insignificant direction of influence on pension fund investment interest. The implications of this study indicate that a good level of financial literacy, financial self-efficacy, and future orientation will have a positive impact on pension fund investment interest. Therefore, it’s necessary to increase the financial literacy of pension funds, financial self-efficacy, and future orientation in millennials to encourage them to invest in pension funds in order to achieve more stable finances during retirement.
Keyword: financial literacy, financial self-efficacy, future orientation, millenials, pension fund

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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