Judul: Self-Esteem, Money Attitude, Perilaku Penggunaan Kartu Kredit, Dan Perilaku Pembelian Kompulsif Pada Wanita Bekerja
Abstrak: Perilaku pembelian kompulsif dianggap menjadi suatu hal yang tidak terkendali atau limit keuangan yang tidak terkontrol dan merupakan fenomena perilaku pembelian baru yang telah dialami oleh konsumen di berbagai negara di dunia. Tujuan penelitian ini adalah untuk menganalisis self-esteem, money attitude, dan perilaku penggunaan kartu kredit terhadap perilaku pembelian kompulsif pada wanita bekerja. Penelitian ini menggunakan desain cross sectional dengan metode survey elektronik (e-survey) yang melibatkan 60 wanita bekerja pengguna kartu kredit yang berdomisili di wilayah Jabodetabek. Penelitian ini menggunakan analisis korelasi Pearson dan regresi linier berganda. Hasil penelitian menunjukkan power prestige, anxiety, retention-time, dan perilaku penggunaan kartu kredit berhubungan nyata dengan perilaku pembelian kompulsif. Lama pendidikan berpengaruh negatif nyata, dan anxiety berpengaruh positif nyata terhadap perilaku penggunaan kartu kredit. Selain itu, retention-time berpengaruh negatif nyata dan perilaku penggunaan kartu kredit berpengaruh positif nyata terhadap perilaku pembelian kompulsif.
Keyword: kartu kredit, money attitude, perilaku pembelian kompulsif, selfesteem

Judul: Pengaruh Psychological Factors, Financial  Literacy, dan Paylater Misuse terhadap Compulsive Buying
Abstrak: Peningkatan tren belanja online melalui e-commerce di masa pandemi Covid-19 turut didukung dengan perkembangan metode pembayaran digital, salah satunya paylater. Paylater memungkinkan konsumen untuk membeli barang sekarang dan membayarnya kemudian dengan cicilan setiap bulan. Pertumbuhan paylater di Indonesia dapat mendorong perkembangan ekonomi digital dan selaras dengan tujuan pembangunan berkelanjutan (Sustainable Development Goals/SDGs). Namun, apabila tidak dikendalikan, penggunaan paylater justru berisiko memicu perilaku compulsive buying dan meningkatkan jumlah hutang yang dimiliki konsumen. Penelitian ini bertujuan untuk menganalisis karakteristik pengguna paylater di Jabodetabek, menganalisis pengaruh psychological factors dan financial literacy terhadap paylater misuse, dan menganalisis pengaruhnya terhadap compulsive buying. Penelitian ini menggunakan sampel sebanyak 275 responden pengguna paylater di Jabodetabek. Sampel penelitian ditentukan menggunakan metode non-probability sampling jenis convenience sampling dan quota sampling. Selanjutnya, hasil penelitian dianalisis menggunakan analisis deskriptif dan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian ini menunjukkan bahwa psychological factors, financial literacy, dan paylater misuse memiliki pengaruh yang positif dan signifikan terhadap compulsive buying., The increasing trend of online shopping through e-commerce during the Covid-19 pandemic is also supported by the development of digital payment method, one of which is paylater. Paylater allows consumers to buy now and pay later in monthly installments. Paylater growth in Indonesia can encourage the development of the digital economy and is in line with sustainable development goals (SDGs). However, if not controlled, the use of paylaters actually risks triggering compulsive buying behavior and increasing the amount of debt owned by consumers. This research aims to analyze the characteristics of paylater users in Jabodetabek, analyze the influence of psychological factors and financial literacy toward paylater misuse, and analyze its influence toward compulsive buying. The sample of this research was 275 respondents of paylater users in Jabodetabek. The research sample was determined using the non-probability sampling method, types convenience sampling and quota sampling. Furthermore, the research results were analyzed using descriptive analysis and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results of this research show that psychological factors, financial literacy, and paylater misuse have a positive and significant effect on compulsive buying.
Keyword: compulsive buying, paylater, SDGs, SEM-PLS

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell