Judul: Pengaruh Literasi Keuangan terhadap Keputusan UMKM Menggunakan Produk Pembiayaan PT BPRS Bina Rahmah
Abstrak: Jumlah UMKM di Indonesia tumbuh sebesar 2.06% pada tahun 2018. Perkembangan tersebut tidak lepas dari masalah permodalan. Pada tahun 2016, sebesar 60.14% UMKM terkendala dalam mengakses permodalan, terutama ke sektor keuangan formal. Kendala akses permodalan disebabkan belum baiknya pengelolaan keuangan oleh UMKM. Belum baiknya pengelolaan keuangan disebabkan masih rendahnya literasi keuangan UMKM. Indeks literasi keuangan masyarakat Indonesia sebesar 38.03%. Angka tersebut mengindikasikan masih sedikitnya masyarakat Indonesia, termasuk UMKM, yang memiliki tingkat literasi keuangan yang baik. Oleh karena itu, penelitian ini bertujuan mengidentifikasi tingkat literasi keuangan UMKM di Kabupaten Bogor dan menganalisis pengaruh tingkat literasi terhadap keputusan UMKM dalam menggunakan produk pembiayaan di PT. BPRS Bina Rahmah. Metode estimasi yang digunakan adalah regresi logistik. Hasil estimasi menunjukkan bahwa perilaku keuangan, sikap keuangan, dan pendapatan berpengaruh signifikan positif terhadap pengambilan keputusan menggunakan produk pembiayaan BPRS. Sedangkan, usia berpengaruh signifikan negatif terhadap pengambilan keputusan menggunakan produk pembiayaan BPRS.
Keyword: Literasi Keuangan, Keputusan Konsumen, UMKM

Judul: Pengaruh Literasi Keuangan terhadap Akses Pembiayaan Formal pada UMKM di Kota Bogor
Abstrak: Perkembangan UMKM di Indonesia pada tahun 2016-2017 mengalami peningkatan sebesar 2.06% dan jumlah UMKM tahun 2017 mencapai 62 922 617 (Kemenkop 2019). Namun pertumbuhan ini tidak terlepas dari masalah pembiayaan dengan jumlah penyaluran kredit UMKM dari perbankan sebesar 19.9%. UMKM membutuhkan pengetahuan, keyakinan, dan keterampilan yang baik dalam melakukan pengelolaan keuangan. Hasil survei OJK tahun 2016 menunjukkan bahwa Indeks Literasi Keuangan masyarakat Indonesia sebesar 29.7%. Tujuan pada penelitian ini untuk mengukur tingkat literasi keuangan dan akses pembiayaan formal pada UMKM di Kota Bogor serta menganalisis pengaruh literasi keuangan terhadap akses pembiayaan formal pada UMKM di Kota Bogor. Penelitian ini diolah menggunakan analisis deskriptif, analisis regresi logistik, dan analisis regresi linear berganda. Hasil pengolahan data menunjukkan bahwa pengetahuan keuangan, usia, dan pendapatan berpengaruh signifikan positif terhadap peluang mendapatkan akses pembiyaan formal. Sedangkan faktor perilaku keuangan dan usia berpengaruh signifikan positif terhadap peningkatan akses pembiayaan formal yang dilakukan oleh UMKM di Kota Bogor.
Keyword: Akses Pembiayaan Formal, Literasi Keuangan, UMKM

Judul: Phylogeography and Species Limits in the Papuan White Snake (Micropechis ikaheka) (Reptilia: Serpentes: Elapidae)
Abstrak: Papua white snake, Micropechis ikaheka, has been distingushed into two subspecies M.i. ikaheka and M.i. fasciatus. However, due to lack of data on their morphology, distribution and ecology, both subspecies often ignored in scintific discussions and refers only byas , Micropechis ikaheka. This study was designed to document the differences between M.i. ikaheka and M.i fasciatus by using scales characteristics and reproductive organ or hemipenes. The study also examine, zoogeography, habitat, diet and cannibalism of both subspecies to better understanding the the ecology of one of the most venomous snakes in the world. This study consists of three topics with method and also different in the size samples, respectively. The first study is the histology and microtopography of the skin were studied using paraffin method and Scanning Electron Microscope (SEM). The second is the hemipenis were examined by following Myers and Cadle (2003), and Zaher and Prudente (2003). The third is the abdominal surgery was carried out to document diet type and the investigate phenomenon of cannibalism in the snake. Specimens for this study came from the collection from Museum Zoologicum Bogoriense (MZB) and Universitas Negeri Papua’s Laboratory (LZU). The research result also indicated that the markers of skin and hemipenis described the same structure and microornamentation in all M. ikaheka groups being compared. Based specimens examined morphological descriptions do not s support the further differentiation in Micropechis. In short, two markers that used in this study could not sufficiently indicate the differences in the level of species and subspecies of M. ikaheka. The study, however, were able to delineate zoogeography and skin color patterns, which fall into four groups: M. i. ikaheka; M. i. fasciatus. M. i. ssp. “intermediate”; and M. i. ssp “black”. This study also revealed that color variations did not overlap in their geographic distribution. It is therefore, it suggested that environmental factors may contribute to the skin color variations. It also assumed that habitat discontinuous and biogeography factors may also cause the loss of the connection between the original populations (vicarians) or follow colonization events (dispersal). The examined of 22 stomach contents of M. ikaheka shows this species is carnivorous, and prey on vertebrates such as amphibians, fish, reptiles, and Mammals. These snakes are opportunistic predators since they prey on all that can be captured, but mainly reptiles (61.5%), followed by mammals and fish (both 15.4%), and amphibians (7.7%). Although categorized as terrestrial animal, the diet study showed that M. ikaheka snakes often go into the water to hunt for fish (the sample from Yapen island), including eel (the sample from Aru island). Based on prey items indentified, there is evidence that M. ikaheka is cannibal. At this time, there still no record on reason for cannibalism, but it is assumed that cannibalism was due to competition between populations and means to control population.
Keyword: geographic variation, white snake, papua