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: 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: Synthesis of Apatite - Chitosan Composite Using Duck Eggshell and Chitosan with Temperature and pH Control
Abstrak: Composite of apatite-chitosan was prepared by using chitosan as polymer matrix. Calcium phosphate was prepared from CaO and (NH4)2HPO4, which the ratio Ca : P had to be 1.67. Chitosan is produced by deacetilase from biopolymer chitin. Duck eggshell (95% CaCO3) as starting material was converted to be calcium oxide (CaO) through calcinations with temperature 1000oC for 5 hours. In-situ and ex-situ methods were prepared from apatite and chitosan (dissolved with acetate acid 2%). Calcium phosphate prepared for bone implantation, but it is too fragile and brittle to be implant into the body. So addition of chitosan can decrease crystalinity and increase mechanic characteristic (tougher). Composite apatite-chitosan was resulted by fast precipitation. Fast precipitation was held in a breaker glass with nitrogen atmosphere, under controlled temperature at 37oC and pH 7, in order to increase amount of hydroxyapatite. Precipitation with CaO which was dropped by (NH4)2HPO4. Hydroxyapatite and chitosan were appearing at samples with in-situ and ex-situ methods which indicating by peak matching of XRD (closed lattice parameter, crystal size), overlapping at FTIR spectra and supporting by SEM picture (homogenous and agglomerated particle). However, it still needs further research to examine biocompatibility osteoconductive degree of sample by in-vivo and in-vitro test.
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