Judul: Product Development of KPR Rent-to-Own Bank BTN for Low-Income Communities Using the Design Thinking Approach
Abstrak: Jabodetabek menjadi wilayah dengan tingkat backlog rumah tertinggi yang didominasi masyarakat berpenghasilan rendah (MBR). Bank BTN meluncurkan KPR Rent-to-Own (RTO) sebagai salah satu upaya mengurangi tingginya angka backlog. KPR RTO merupakan konsep pemilikan rumah dengan mekanisme sewa dalam jangka waktu tertentu dan memberikan keleluasaan opsi bagi pelanggan di akhir sewa untuk memiliki rumah dengan KPR atau cash. KPR RTO ditargetkan mencapai 1.000 pendaftar namun realisasinya hanya 3 pendaftar. Tujuan penelitian ini adalah mengembangkan produk KPR RTO sesuai dengan keinginan dan permasalahan MBR. Penelitian ini menggunakan metode design thinking untuk menyempurnakan produk KPR RTO berbasis customer oriented. Berdasarkan hasil penelitian, KPR RTO dapat dikembangkan menjadi lebih baik dengan penyediaan daftar rumah yang bisa disewa, berkolaborasi dengan Bank Tanah, penambahan jumlah provider, DP awal 1-5 juta, penambahan layanan kredit sewa, berintegrasi dengan Tapera. Segmentasi konsumen dapat lebih dispesifikkan. Informasi KPR RTO dijelaskan secara gamblang dan disebarkan melalui brosur dan komunitas, Jabodetabek is the region with the highest level of housing backlog, which is dominated by low-income communities (MBR). Bank BTN launches KPR Rent- to-Own (RTO) as in an effort to reduce it. KPR RTO is a concept of home ownership with a rental mechanism for a certain period of time that provides flexibility for customers at the end of the lease to own a home with a KPR or cash. KPR RTO is targeted to reach 1,000 registrants, but the realization is only 3 registrants. The aim of this research is to develop KPR RTO in accordance with MBR's wishes and problems. This research uses the design thinking method to perfect KPR RTO based customer orientation. Based on the research results, KPR RTO can be developed to be better by providing a list of houses that can be rented, collaborating with the Land Bank, adding providers, an initial down payment of 1-5 million, additional rental credit services, and integrating with Tapera. Consumer segmentation can be more specific. RTO KPR information is explained clearly and distributed through brochures and the communit
Keyword: Kepemilikan rumah, Masyarakat berpenghasilan rendah, Design thinking, KPR Rent-to-Own, home ownership, low-income communities

Judul: Factors Affecting Generation Y and Z's Interest Toward Bank BTN's Rent to Own Mortgage
Abstrak: Pertumbuhan penduduk yang meningkat, diproyeksikan hingga tahun 2050, meningkatkan kebutuhan akan rumah dan beban finansial bagi penduduk usia produktif, khususnya generasi Y dan Z yang ditunjukkan oleh meningkatkan rasio ketergantungan, sehingga sulit bagi kalangan usia produktif untuk memiliki hunian layak. Penelitian ini menganalisis faktor-faktor yang memengaruhi minat generasi Y dan Z di Jabodetabek dalam memilih skema KPR Rent to Own (RTO) yaitu berasal dari bauran pemasaran 4P (Product, Price, Place, Promotion), menggunakan data sekunder dari Bank BTN. Analisis data dilakukan dengan analisis deskriptif dan regresi logistik biner menggunakan SPSS 25 untuk mengetahui faktor-faktor signifikan terhadap minat KPR RTO. Hasil penelitian menunjukkan bahwa sebagian besar generasi Y dan Z memiliki minat membeli rumah, namun kelompok yang berminat menyewa rumah menunjukkan minat yang lebih tinggi terhadap KPR RTO dibandingkan dengan kelompok yang berminat membeli rumah. Pada model regresi gabungan wilayah Jabodetabek, terdapat tiga variabel signifikan pada kategori produk yaitu harga rumah yang sesuai dengan kesepakatan awal, fasilitas perbaikan rumah, dan fleksibilitas dalam menentukan periode sewa dan beli rumah. Sedangkan pada kategori harga terdapat dua variabel signifikan yaitu kesediaan membayar sewa rumah lebih tinggi daripada sewa konvensional dan pengembalian uang muka sebesar 5 persen. Model regresi di masing-masing wilayah mencakup Jakarta, Bogor, Depok, Tangerang, dan Bekasi, menunjukkan bahwa terdapat tiga wilayah yang memiliki masing-masing satu variabel signifikan: wilayah Jakarta dengan kesediaan membayar sewa lebih tinggi daripada sewa konvensional, serta wilayah Bogor dan Depok dengan kesediaan pada pengembalian uang muka sebesar 5 persen. Selain itu, mengomunikasikan nilai tambah KPR RTO dapat menarik lebih banyak nasabah., The increasing population growth, projected until 2050, raises the demand for housing and financial burdens on the working-age population, particularly Generation Y and Z, as indicated by the increasing dependency ratio. This makes it challenging for the working-age group to afford decent housing. This study analyzes the factors influencing the interest of Generation Y and Z in Jabodetabek in choosing Rent to Own (RTO) mortgage schemes, derived from the 4P marketing mix (Product, Price, Place, Promotion), using secondary data from Bank BTN. Data analysis was conducted through descriptive analysis and binary logistic regression using SPSS 25 to identify significant factors affecting interest in RTO mortgages. The results show that most Generation Y and Z individuals are interested in buying houses; however, those who prefer renting show higher interest in RTO mortgages compared to those who prefer buying. In the combined regression model for Jabodetabek, three significant variables were identified in the product category: initial house price agreement, home improvement facilities, and flexibility in determining rental and purchase periods. In the price category, two significant variables were identified: willingness to pay higher rent than conventional rent and a 5 percent down payment refund. The regression model for each region, including Jakarta, Bogor, Depok, Tangerang, and Bekasi, indicates that three regions have one significant variable each: Jakarta with willingness to pay higher rent than conventional rent, and Bogor and Depok with a 5 percent down payment refund. Additionally, communicating the added value of RTO mortgages can attract more customers.
Keyword: analisis regresi logistik biner, Jabodetabek, KPR Rent to Own, binary logistic regression analysis, rent-to-own KPR

Judul: Durability of Specific Immunoglobulin (Ig) Y Againts Influenza and Covid-19 in Sunscreen
Abstrak: The benefit of specific immunoglobulin Y (Ig Y) as an active ingredient in personal care products such as sunscreen has not been properly studied. Our study aims to evaluate the reliability of specific IgY against influenza and the COVID-19 virus in a sample sunscreen product. Specific IgY influenza and COVID-19 viruses were inserted in the sample sunscreen at two concentrations of 0.1% and 0.25%. Three treatments were observed: control (C) sunscreen without IgY, treatment 1 (T1) sunscreen with 0.1% IgY, and treatment 2 (T2) sunscreen with 0.25% IgY. Organoleptic observations were carried out to monitor changes in aroma, color, and texture, and sunscreen sampling was done every week for 6 weeks. The durability of IgY was evaluated using an enzyme-linked immunosorbent assay (ELISA) and a neutralization assay. Organoleptic observation from weeks 1 to 6 showed consistency in its aroma, color, and texture. Enzyme-linked immunosorbent assay and neutralization assay (NA) results of the T1 and T2 groups showed negative results except for sample T1 at week 5, which showed a positive result in the Influenza A ELISA. Based on the results, it seems that IgY concentrations of 0.1% or 0.25% were not optimal. However, this negative result might be due to low concentration of the IgY and the presence of beeswax, which inhibits IgY and causes it to dissolve in distilled water, thus preventing it from being detected in the assay.
Keyword: Immunoglobulin Y, Sunscreen, Influenza, COVID-19, Biological Activity