Judul: Pengaruh Literasi Keuangan dan Persepsi Pinjaman terhadap Perilaku Pengelolaan Keuangan Pelaku Usaha Ekonomi Keluarga
Abstrak: Usaha ekonomi keluarga melibatkan interaski dua sistem, sistem keluarga dan sistem bisnis. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan persepsi pinjaman terhadap perilaku pengelolaan keuangan usaha ekonomi keluarga. Penelitian ini menggunakan desain cross sectional-study dengan menggunakan teknik purposive sampling. Data dikumpulkan melalui survei online dan dianalisis secara deskriptif menggunakan SPSS 25. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan responden berada pada kategori sedang. Pada dimensi pengetahuan keuangan, responden berada pada kategori rendah, terutama pada pengetahuan risiko investasi dan suku bunga tabungan. Pada variabel persepsi pinjaman dan perilaku pengelolaan keuangan tergolong pada level rendah. Penelitian ini menunjukkan bahwa responden jarang membuat catatan arus kas, anggaran, serta laporan laba rugi. Hasil analisis regresi menunjukkan bahwa literasi keuangan dan persepsi manfaat pinjaman berpengaruh signifikan positif terhadap perilaku pengelolaan keuangan, namun berpengaruh signifikan negatif pada persepsi risiko pinjaman.
Keyword: family entrepreneur, financial literacy, financial management, loan perception

Judul: Status Sosial Ekonomi, Literasi Keuangan, dan Manajemen Keuangan pada Keluarga Wirausaha
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh status sosial ekonomi dan literasi keuangan terhadap manajemen keuangan pada keluarga wirausaha. Desain penelitian yang digunakan adalah cross sectional study dan dilakukan di Desa Babakan, Kecamatan Dramaga, Kabupaten Bogor, Jawa Barat. Pemilihan contoh dengan non-probability sampling yaitu teknik snowball sampling. Responden dalam penelitian yaitu suami atau istri sebagai pemilik usaha. Analisis data menggunakan statistik deskriptif dan inferensia. Hasil penelitian menunjukkan bahwa status sosial ekonomi contoh berdasarkan indikator simple poverty scorecard Indonesia pada tingkat tidak miskin, memiliki indeks literasi keuangan well literate tetapi memiliki indeks manajemen keuangan keluarga yang rendah. Literasi keuangan berpengaruh positif signifikan terhadap manajemen keuangan. Pendapatan per kapita berpengaruh negatif signifikan terhadap manajemen keuangan.
Keyword: keluarga wirausaha, literasi keuangan, manajemen keuangan, status sosial ekonomi

Judul: Characteristic of Overshooting Top (OT) Based on  Himawari  8  Satellite  as  a  Convective  Cloud  Feature  that  Generates  Extreme Weather in the Java Island Region
Abstrak: Overshooting Top (OT) is a feature at the top of a convective cloud that is associated with extreme weather. Research on OT in tropical Indonesia is still very limited. The existence of geostationary satellites with wide area coverage and fast frequency observations is useful for observing the fast dynamics of the OT life cycle. Therefore, this study intends to analyze the relationship between OT and extreme weather, updraft and thermodynamic conditions of OT when extreme weather occurs, the best objective method for detecting OT in the day time and night time, and the spatiotemporal distribution of OT in the tropical region of Java Island during the 2018-2021 period. Based on visual analysis using visible channel and Himawari 8 sandwich products, 87% of extreme weather events in Java were accompanied by the appearance of OT. It indicates that the presence of the OT pattern is a convection cloud pattern or feature that is closely related to extreme weather events for the Java Island region. The existence of a time lag between the appearance of OT and extreme weather events on Java Island indicates that the OT of convection cloud can be used as a precursor or nowcasting for the appearance of extreme weather. Most of the convective cloud OT features during extreme weather events on Java Island have altitude that were only able to exceed the altitude of the equilibrium level and few were able to exceed the tropopause level of 9 km – 16 km. The difference in atmospheric conditions during extreme weather events on Java Island, which is in the tropics and subtropics, is a strong and unstable convective energy condition characterized by a larger CAPE, as well as unstable KI, LI, SI and TTI values. It is offset by kinematic factors in the form of a weak vertical wind shear (bulk wind shear 0-6 km) and a higher freezing point height. The difference between extreme weather events in the Java Island region and other tropical regions compared to subtropical regions is the strong updraft speed of convection clouds. The IRW Texture COMB algorithm based on the IRW-Texture Gradient modification and the COMB algorithm shows a significant increase in quality for detecting OT and non-OT pixels in Java. Rainy days with rainfall > 50 mm/day are very common in areas with an altitude of > 500 m. On the other hand, the level of convection activity which is indicated by the presence of OT and lightning is significantly reduced in this area. OT of convective clouds appear more frequently during the DJF season and less frequently during the JJA season. OT often appears during the day time and rarely at night time. Most OTs appear in the central part, away from the south and north coasts of Java Island during the day, while OTs that appear near the south and north coasts of Java Island can appear in the morning or afternoon.
Keyword: convective clouds, extreme weather, Overshooting Tops, Himawari 8 Satellite