Judul: Pengaruh Persepsi Risiko, Persepsi Manfaat, dan Akses Informasi terhadap Perencanaan Keuangan Keluarga dalam Pembelian Asuransi Jiwa
Abstrak: The uncertainties such as accident, death, and physical disability could disadvantageously affect humans’ livings; nevertheless those possible losses could be minimized. Life insurance is one of the financial planning forms that aiming to minimize the damage caused by the losses; however the citizens of Indonesia tend to have low participation in life insurance. The goal of this research was to analyze the influence of perceived risk, perceived benefit, and information access towards family financial planning in purchasing life insurance. The samples of this study were chosen by simple random sampling, consisted of 84 upper-middle families at Kebon Pedes Village, Tanah Sareal District, Bogor City. The study showed that perceived benefit influenced family financial planning in purchasing life insurance.
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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: Heterologous Expression Of Endo-Β-Xylanase From Bacillus Pumilus Strain Bcrs-01 In Escherichia Coli.
Abstrak: Xylanases are glycoside hydrolase family 11 which depolymerise xylan in the plant cell wall, the most excessive form of hemicellulose. Endo-β-xylanases (EC 3.2.1.8) are most important to breakdown β-1,4-glicoside bond of xylan to produce disaccaride xyloolygosaccaride (XOs) and xylose (monomer). Bovine rumen fluids have potential to obtain endo-β-xylanase produced of bacteria. The objectives of this study were to obtain xylanase producing bacteria and to express xynA gene encoding endo-β-xylanase from bacterium in Escherichia coli. Twenty nine isolate bacteria have been succesfully isolated from bovine rumen fluid in agar medium containing birchwood xylan. Isolate BCRS-01 bacterium was previously screened for the high production of xylanase. Based on 16S rRNA gene sequence analysis, BCRS-01 showed high similarity (99%) to Bacillus pumilus (accession number NR043241). The crude xylanase had optimal activity at 55oC, pH 7.0. Furthermore, the crude xylanase exhibited broad pH stability from 4.0 to 10.0 and remained more than 60% and 40% of its activity after incubation at pH 4.0 until 10.0, respectively for 60 min. It also showed a stability at temperature 25-50oC since it retained 80% and 50% of its activity when incubated at 50oC or 30 and 60 min, respectively. The xylanase activity was strongly inhibited by Ca2+ and Cu2+ at concentration 10 mM, and as little as 1 mM for Mn2+. Therefore, this xylanase has potentially used as additive feeds in animal feed industry. The DNA sequence xynA gene encoded endo-β-xylanase was amplified and cloned into the expression vector pET-15by under the control of T7 promoter. The recombinant protein had succesfully expressed in Escherichia coli BL21 (DE3) pLysS. A protein recombinant of approximately, 26.7 kDa was observed on the SDS-PAGE analysis. Crude extract of recombinant endo-β-xylanase demonstrated activity of enzyme at 56 U mL-1 using birchwood xylan as a substrate at 55oC for 10 min.
Keyword: Bacillus pumilus, bovine rumen fluid, endo-β-xylanase, heterologous expression.