Judul: The Effect Of Financial Literacy and Demographic Factors on The Decisions of Micro Enterprises in Choosing Microfinance Institutions (MFIs) as A Source of Funding
Abstrak: UMKM memiliki peran penting dalam ekonomi Indonesia dengan kontribusi terbanyak terhadap PDB (60,5%), penyerapan tenaga kerja (96,9%), dan ekspor (15,69%). Hal tersebut memberikan peluang tersendiri bagi Indonesia untuk meningkatan perekonomian dan upaya pencapaian SDGs. Namun, UMKM masih memiliki permasalahan terhadap akses permodalan. Pada tahun 2023 sebanyak 26 juta masyarakat Indonesia belum tersentuh jasa keuangan formal. UMKM dianggap masih unbankable karena literasi keuangannya yang rendah. Indeks literasi keuangan masyarakat Indonesia hanya sebesar 49.68%. Oleh karena itu, penelitian ini bertujuan mengidentifikasi tingkat literasi keuangan usaha mikro di Kecamatan Cibinong dan menganalisis pengaruh tingkat literasi serta faktor demografi terhadap keputusan usaha mikro dalam menggunakan produk pembiayaan di LKM. Metode analisis yang digunakan adalah regresi logistik. Hasil penelitian menunjukkan bahwa sikap keuangan, pendidikan, dan pendapatan berpengaruh signifikan positif terhadap pengambilan keputusan menggunakan produk pembiayaan LKM. Sedangkan, pengetahuan dan perilaku keuangan berpengaruh signifikan negatif., MSMEs have an important role in the Indonesian economy with the largest contribution to GDP (60.5%), employment (96.9%), and exports (15.69%). This provides an opportunity for Indonesia to improve its economy and efforts to achieve the SDGs. However, MSMEs still have problems with access to capital. In 2023, as many as 26 million Indonesians will not be touched by formal financial services. MSMEs are still considered unbankable because of their low financial literacy. The Indonesian people's financial literacy index is 49.68%, meaning that there are still a few Indonesians who have a good level of financial literacy. Using logistic regression method, this study identify the level of financial literacy of micro enterprises in Cibinong District and examined the effect of their level of financial literacy on the decision to use financing products of MFI. The results showed that financial attitudes, education, and income had a significant positive effect on decision making using MFI financing products. Meanwhile, financial knowledge and behavior have a significant negative impact on these decisionst.
Keyword: Consumer Decisions, Financial Literacy, MFI, MSMEs, SDGs

Judul: Analysis of Factors that Influence MSME's Decisions to Choose Sharia Financing as a Source of Financing
Abstrak: UMKM adalah pilar penting ekonomi Indonesia, berkontribusi signifikan pada PDB, penyerapan tenaga kerja, dan ekspor. Namun, sektor ini menghadapi kendala akses pembiayaan dari lembaga keuangan formal. Penelitian ini bertujuan untuk mengidentifikasi karakteristik pelaku UMKM di Kabupaten Sukabumi dan menganalisis faktor yang memengaruhi keputusan dalam memilih pembiayaan syariah. Metode analisis yang digunakan dalam penelitian ini adalah tabel kontingensi (cross tabulation) untuk menggambarkan karakteristik responden, serta analisis regresi logistik multinomial untuk mengidentifikasi faktor-faktor yang memengaruhi keputusan UMKM dalam memilih pembiayaan syariah. Hasil penelitian menunjukkan bahwa pendidikan, pengetahuan, promosi, kualitas pelayanan, dan aksesibilitas berpengaruh signifikan terhadap keputusan UMKM dalammemilih pembiayaan syariah. Sebaliknya, pendapatan tidak menunjukkan pengaruh signifikan., MSMEs are an important pillar of Indonesia's economy, contributing significantly to GDP, employment absorption, and exports. However, this sector faced obstacles in accessing financing from formal financial institutions. This study aimed to identify the characteristics of MSME actors in Sukabumi Regency and analyze the factors influencing their decisions in choosing Sharia financing. The analytical methods used in this research were contingency tables (cross tabulation) to describe the characteristics of the respondents, as well as Multinomial Logistic Regression Analysis to identify the factors influencing MSME decisions in selecting Sharia financing. The results showed that the variables of education, knowledge, promotion, quality of service, and accessibility had a significant impact on MSME decisions in choosing Sharia financing. Conversely, the income variable did not show a significant effect.
Keyword: Sukabumi regency, MSMEs, Sharia Financing, Multinomial Logistics Regression, Contingency Table

Judul: Hydroxyapatite-Chitosan Composite Coating on Stainless Steel 316 to Improve Corrosion Resistance
Abstrak: Metals that were used in bone implantation should have good corrosion resistance that were not easily corroded when implanted into the body. Metal corrosion resistance of stainless steel 316 can be enhanced through the metal coating by hydroxyapatite-chitosan composite with composition ratio of hydroxyapatite (gram) and chitosan 3% (mL) 0.2:0, 0.2:0.1, 0.2:0.5, 0.2:1.0, and 0.2:1.5. Besides improving the corrosion resistance of metal, the presence of chitosan also maintain the position of hydroxyapatite on metal surfaces. Corrosion resistance increases with increasing amount of chitosan added and the best composition of hydroxyapatite-chitosan composite was 0.2:1.0.
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