Judul: Analisis Pengetahuan dan Loyalitas Konsumen pada Pengguna Paylater di  Jabodetabek
Abstrak: Paylater memungkinkan konsumen dapat melakukan pinjaman secara online dan transaksi pembelian barang atau jasa dengan pembayaran yang dapat dicicil atau dibayarkan nanti. Syarat pendaftaran paylater yang mudah dan tuntutan gaya hidup, menjadikan paylater banyak digunakan oleh berbagai kalangan konsumen di masyarakat terutama di kota-kota besar seperti Jabodetabek. Penelitian bertujuan untuk menganalisis pengaruh karakteristik demografi, sosial, dan ekonomi terhadap pengetahuan dan loyalitas konsumen pada pengguna paylater di Jabodetabek. Penelitian ini menggunakan teknik non probability sampling dan pengambilan contoh dengan convinience sampling yang melibatkan 278 responden. Penelitian menunjukkan pengetahuan konsumen memiliki nilai yang hampir merata. Kemudian pada loyalitas konsumen kategori rendah dan sedang memiliki nilai yang hampir sama. Berdasarkan hasil ditemukan bahwa karakteristik demografi yaitu jenis kelamin laki-laki mempunyai loyalitas yang lebih tinggi terhadap penggunaan paylater. Pada karakteristik sosial dan ekonomi ditemukan bahwa pendidikan dan pendapatan berpengaruh positif signifikan terhadap pengetahuan dan loyalitas konsumen. Pengetahuan konsumen memiliki pengaruh positif signifikan terhadap loyalitas konsumen pengguna paylater.
Keyword: consumer knowledge, consumer loyalty, paylater, socioeconomic  demographic characteristics

Judul: Analysis of Perceived Ease of Use and Attitudes of  Paylater Users in Jabodetabek Based on Consumer Characteristics
Abstrak: Paylater merupakan salah satu tren financial technology yang menawarkan layanan pembayaran secara mencicil. Semakin bertambahnya pengguna paylater dan tawaran kemudahan membuat paylater disukai penggunanya. Tujuan penelitian ini yaitu untuk menganalisis hubungan dan pengaruh karakteristik konsumen dan persepsi kemudahan terhadap sikap pengguna paylater di Jabodetabek. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross sectional dan non probability sampling sebagai teknik penentuan contoh. Jumlah responden pada penelitian ini yaitu 278 orang yang merupakan pengguna paylater dengan domisili Jabodetabek dan berusia minimal 17 tahun. Pengolahan data dilakukan menggunakan Microsoft Excel, SPSS 26, dan SmartPLS. Responden penelitian ini didominasi oleh usia Generasi Z, berjenis kelamin perempuan, berstatus lajang, pelajar, dan berpendapatan kurang dari Rp2.000.000. Ditemukan bahwa jenis kelamin, pendidikan, status pernikahan, dan pendapatan berhubungan dengan persepsi kemudahan. Terdapat pengaruh positif signifikan pendapatan terhadap persepsi kemudahan dan kemudian persepsi kemudahan terhadap sikap., Paylater is one of the financial technology trends that offers payment services in installments. The increasing number of paylater users and the offer of convenience make paylater favored by its users. This study aims to analyze the relationship and influence of consumer characteristics and perceived ease of use (PEOU) on the attitudes of paylater users in Jabodetabek. This study uses a quantitative approach with a cross-sectional design and non-probability sampling as the sample determination technique. The total of respondents was 278 people who were paylater users that lived in Jabodetabek and at least 17 years old. Data processing was carried out using Microsoft Excel, SPSS 26, and SmartPLS. Respondents were dominated by Z Generation, female, single, student, and had an income of less than IDR2.000.000. It was found that sex, education, marital status, and income were correlated with PEOU. The PLS test shows that income is positively correlated to PEOU.
Keyword: attitude, consumer behavior, financial technology, paylater, perceived ease of use

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