Judul: The Influence of Financial Literacy and Lifestyle to Debt Management Behavior on Young Marriage Family
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh karakteristik keluarga, literasi keuangan, dan gaya hidup hedonis terhadap perilaku mengelola utang pada keluarga menikah usia muda. Contoh pada penelitian ini adalah wanita dewasa menengah yang menikah usia 19 tahun kebawah dan berdomisili di Jabodetabek. Teknik penarikan contoh menggunakan metode purposive sampling sebanyak 52 orang yang pernah atau sedang memiliki utang. Data diolah menggunakan uji statistik deskriptif dan uji regresi linier berganda. Tingkat literasi keuangan (dimensi pengetahuan, sikap, dan perilaku) responden terkategori menengah. Responden pada penelitian ini tidak memiliki kecenderungan gaya hidup yang hedonis. Begitupun dengan perilaku mengelola utang termasuk dalam kategori rendah. Terdapat hubungan negatif antara usia responden dengan perilaku mengelola utang. Hasil analisis regresi linear berganda menunjukkan literasi keuangan (dimensi sikap) berpengaruh signifikan terhadap perilaku mengelola utang. Hal ini berarti semakin baik sikap responden terhadap keuangan maka semakin baik perilaku dalam mengelola utang. Sedangkan tidak ada pengaruh signifikan antara gaya hidup hedonis dengan perilaku mengelola utang. Literasi keuangan perlu dimiliki dengan baik agar tercipta perilaku pengelolaanutang yang baik., This study aims to analyze the iinfluence of family characteristics, financial literacy, and hedonic lifestyle on debt management behavior in young marriage families. The sample in this study are middle adulthood women with age of married 19 years and under and domiciled in Jabodetabek. Sample was selected bypurposive sampling method as many as 90 sample who have or are in debt. Data were analyzed using descriptive statistical tests and multiple linear regression tests. Financial literacy (dimensions of knowledge, attitude, and behavior) of respondents is in the middle category. Respondents in this study did not have a hedonic lifestyle tendency. The behavior of managing debt is in the low category. There are negative relationship between respondent’s age and debt behavior. Multiple linear regression tests on financial attitude dimension show the results that have a significant positive effect on debt management behavior. This means that the higher respondent's attitude towards finances will increase the behavior in managing debt. Meanwhile, there is no significant effect between hedonic lifestyle and debt behavior. Financial literacy needs to be owned properly in order to have a good debt management behavior.
Keyword: Hedonis, Literasi Keuangan, pengetahuan, Perilaku Mengelola Utang, Sikap

Judul: The Influence of Financial Literacy and Financial Attitude toward Debt Behavior among Customers of Bank Berjanji
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh literasi dan sikap keuangan terhadap perilaku berhutang nasabah Bank Berjanji. Penelitian ini dilakukan di Kecamatan Haurgeulis, Kabupaten Indramayu dengan melibatkan 62 nasabah Bank Berjanji. Pengambilan sampel menggunakan metode snowball sampling dan data dikumpulkan melalui wawancara tatap muka menggunakan kuesioner. Studi ini menunjukkan bahwa contoh memiliki tingkat literasi keuangan yang terkategori rendah. Sikap dan perilaku bijak dalam berhutang nasabah Bank Berjanji berada pada kategori moderat. Tidak terdapat perbedaan signifikan pada literasi keuangan, sikap, dan perilaku berhutang di antara responden berdasarkan lama menjadi nasabah Bank Berjanji. Pendidikan, literasi keuangan dan sikap berhubungan positif signifikan dengan perilaku bijak dalam berhutang. Hasil uji regresi menunjukkan bahwa literasi keuangan dan sikap berpengaruh positif signifikan terhadap perilaku bijak dalam berhutang sedangkan lama menjadi nasabah berpengaruh negatif signifikan terhadap perilaku bijak dalam berhutang., This study aims to analyze the influence of Financial literacy and financial attitudes on debt behavior among Bank Berjanji customers. Involving about 62 Bank Berjanji’s customers as respondents, this research was conducted in Haurgeulis Subdistrict, Indramayu Regency. This sampling used a snowball sampling method and the data were collected through face to face survey using a structured questionnaire. This study found that the level of financial literacy was categorized as low, while the attitude and wise debt behavior was in the moderate category. There is no significant difference on financial literacy, attitude, and debt behavior between respondents in term of length of time being a customer of Bank Berjanji. Education, financial literacy, and attitudes have a significant positive relationship with wise debt behavior. The regression test result show that financial literacy and attitude have a significant positive effect on wise debt behavior. In contrary, the length of time being a customer has a significant negative effect on wise debt behavior.
Keyword: bank berjanji, debt behavior, financial knowledge, Indramayu

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