Judul: The Effect of Lifestyle and Financial Vulnerability toward Housewives Intention to Use Peer-to-Peer Lending
Abstrak: Peer-to-Peer (P2P) lending merupakan layanan keuangan dengan cakupan pada area pembiayaan (pinjaman) berbasis teknologi. Selain dapat menjadi solusi saat kesulitan keuangan P2P lending juga membuat sebagian masyarakat memprioritaskan gaya hidup dibandingkan biaya hidup. Beberapa P2P lending ilegal sengaja memanfaatkan kesulitan keuangan sebagian masyarakat di masa pandemi Covid-19 dan berpotensi merugikan masyarakat. Penelitian ini bertujuan untuk menganalisis hubungan dan pengaruh karakteristik responden, gaya hidup, dan kerentanan keuangan terhadap minat menggunakan P2P lending pada ibu rumah tangga. Penelitian menggunakan metode purposive sampling dengan pengisian kuesioner secara online. Jumlah responden sebanyak 230 ibu rumah tangga yang belum pernah menggunakan P2P lending di wilayah Jakarta, Bogor, Depok, Tangerang, dan Bekasi. Hasil penelitian menunjukkan bahwa gaya hidup dan kerentanan keuangan memiliki hubungan positif signifikan dengan minat menggunakan P2P lending. Hasil uji regresi logistik menunjukkan jumlah jenis pinjaman dan gaya hidup secara positif signifikan memengaruhi minat menggunakan P2P lending., Peer-to-Peer (P2P) lending is a financial service with a coverage in the area of technology-based financing (loans). In addition to being a solution when financial difficulties P2P lending also makes some people prioritize lifestyle over living costs. Some illegal P2P lending deliberately takes advantage of the financial difficulties of some people during the Covid-19 pandemic and has the potential to harm the community. This study aims to analyze the relationship and effect of respondent characteristics, lifestyle, and financial vulnerability toward housewives intention to use P2P lending. The study used a purposive sampling method by filling out online questionnaires. The number of samples were 230 housewives who had never used P2P lending in the areas of Jakarta, Bogor, Depok, Tangerang and Bekasi. The results show that lifestyle and financial vulnerability had a significant positive relationship with intention to use P2P lending. The results of the logistic regression test show that the number of loan types and lifestyle have a positive significant effect on intention to use P2P lending.
Keyword: gaya hidup, ibu rumah tangga, kerentanan keuangan, minat menggunakan

Judul: The Effect of Financial Literacy and Self-Efficacy towards the Intention to Use Peer to Peer Lending Service across Millennial Generation
Abstrak: Minat menggunakan P2P lending merupakan dorongan yang datang dari dalam diri seseorang untuk melakukan pinjaman online. Seiring dengan meningkatnya akses internet dan pengguna gawai di Indonesia, nasabah layanan P2P ini pun menunjukkan peningkatan yang signifikan setiap tahunnya. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan efikasi diri terhadap minat penggunaan peer to peer lending. Penelitian ini menggunakan desain explanatory pada 234 contoh generasi milenial di Jabodetabek yang dipilih melalui teknik purposive sampling dengan metode pengambilan data secara online. Hasil penelitian menunjukkan, literasi keuangan dan efikasi diri berada pada kategori moderat, sementara minat penggunaan dikategorikan rendah. Uji regresi menunjukkan bahwa jumlah tanggungan, jenis pinjaman utang, dan sikap terhadap P2P lending berpengaruh signifikan positif terhadap minat menggunakan P2P lending, sedangkan pada pengetahuan keuangan berpengaruh signifikan negatif terhadap minat menggunakan P2P lending., Intention to use P2P lending is an impulse that comes from within a person to make online loans. Along with the increasing of access toward internet access and mobile phone, the number of P2P lending user has been rise significantly. This study aims to analyze the influence of financial literacy and self-efficacy towards the intention to use P2P lending service. Using an online survey for data collection, the research design was explanatory involving 234 samples of millennial generation who were selected by purposive sampling technique in Jabodetabek. The results showed that financial literacy and self-efficacy was categorised as moderate, and intention to use peer to peer lending were categorised as low. Further analysis by regressions test showed that, the number of dependents, the amount of loan, and attitude towards P2P lending had a significant positive effect on the intention to use P2P lending. Meanwhile, financial knowledge had a significant negative effect on the intention to use P2P lending.
Keyword: financial decisions, intention to use, millennial, online lending, savings

Judul: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4