Judul: Analisis Karakteristik Demografi, Sosial dan Ekonomi terhadap Gaya Hidup dan Motivasi Pengguna Paylater di Jabodetabek
Abstrak: Paylater merupakan salah satu metode pembayaran berjenis fintech peer-to-peer-lending yang memiliki sistem pinjaman secara digital sehingga konsumen dapat membeli produk terlebih dahulu dan pembayarannya dilakukan dengan cara mencicil. Pada daerah DKI Jakarta, Jawa Barat dan Banten tercatat sebagai daerah dengan penerima pinjaman terbesar di Indonesia. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh karakteristik demografi, sosial serta ekonomi terhadap gaya hidup dan motivasi pengguna paylater di Jabodetabek. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross sectional. Pengambilan data dilakukan melalui survey online dengan penentuan contoh secara convenience sampling. Jumlah sampel pada penelitian ini sebanyak 278 masyarakat Jabodetabek pengguna paylater. Hasil penelitian dianalisis menggunakan analisis deskriptif dan smart Partial Least Square (PLS). Hasil analisis menunjukkan jenis kelamin dan pendapatan memiliki pengaruh positif signifikan terhadap gaya hidup pengguna paylater, serta pendapatan memiliki pengaruh positif signifikan terhadap motivasi pengguna paylater. Selain itu, terdapat pengaruh positif signifikan gaya hidup terhadap motivasi pengguna paylater. Penelitian juga membuktikan bahwa jenis kelamin dan pendapatan memiliki pengaruh positif secara tidak langsung terhadap motivasi pengguna paylater., Paylater is a peer-to-peer-lending fintech type payment method that has a digital loan system so that consumers can buy products in advance and payments are made in installments. The DKI Jakarta, West Java and Banten regions are listed as the regions with the largest loan recipients in Indonesia. The purpose of this study is to analyze the effect of demographic, social and economic characteristics on the lifestyle and motivation of paylater users in Jabodetabek. This research uses a quantitative approach with an cross sectional design. Data collection was conducted through an online survey with convenience sampling. The number of samples in this study were 278 Jabodetabek paylater users. The results were analyzed using descriptive analysis and smart Partial Least Square (PLS).. The results of the analysis show that gender and income have a significant positive influence on the lifestyle of paylater users, and income have a significant positive influence on the motivation of paylater users. In addition, there is a significant positive effect of lifestyle on the motivation of paylater users. The study also proves that gender and income have an indirect positive influence on the motivation of paylater users.
Keyword: lifestyle, motivation, paylater

Judul: Analysis of Perceived Ease of Use and Attitudes of  Paylater Users in Jabodetabek Based on Consumer Characteristics
Abstrak: Paylater merupakan salah satu tren financial technology yang menawarkan layanan pembayaran secara mencicil. Semakin bertambahnya pengguna paylater dan tawaran kemudahan membuat paylater disukai penggunanya. Tujuan penelitian ini yaitu untuk menganalisis hubungan dan pengaruh karakteristik konsumen dan persepsi kemudahan terhadap sikap pengguna paylater di Jabodetabek. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross sectional dan non probability sampling sebagai teknik penentuan contoh. Jumlah responden pada penelitian ini yaitu 278 orang yang merupakan pengguna paylater dengan domisili Jabodetabek dan berusia minimal 17 tahun. Pengolahan data dilakukan menggunakan Microsoft Excel, SPSS 26, dan SmartPLS. Responden penelitian ini didominasi oleh usia Generasi Z, berjenis kelamin perempuan, berstatus lajang, pelajar, dan berpendapatan kurang dari Rp2.000.000. Ditemukan bahwa jenis kelamin, pendidikan, status pernikahan, dan pendapatan berhubungan dengan persepsi kemudahan. Terdapat pengaruh positif signifikan pendapatan terhadap persepsi kemudahan dan kemudian persepsi kemudahan terhadap sikap., Paylater is one of the financial technology trends that offers payment services in installments. The increasing number of paylater users and the offer of convenience make paylater favored by its users. This study aims to analyze the relationship and influence of consumer characteristics and perceived ease of use (PEOU) on the attitudes of paylater users in Jabodetabek. This study uses a quantitative approach with a cross-sectional design and non-probability sampling as the sample determination technique. The total of respondents was 278 people who were paylater users that lived in Jabodetabek and at least 17 years old. Data processing was carried out using Microsoft Excel, SPSS 26, and SmartPLS. Respondents were dominated by Z Generation, female, single, student, and had an income of less than IDR2.000.000. It was found that sex, education, marital status, and income were correlated with PEOU. The PLS test shows that income is positively correlated to PEOU.
Keyword: attitude, consumer behavior, financial technology, paylater, perceived ease of use

Judul: Sintesis dan Pencirian Kompleks Fe(III)-Kuersetin
Abstrak: Quercetin belongs to flavonols which is able to chelate metal ions. Quercetin may chelate metal ions at 3’,4’-catechol, 3- or 5-hydroxycromone sites. In this study, quercetin was complexed with Fe(III). The complex with Fe(III) ions from FeCl3·6H2O was more stable than the complex derived from Fe(NO3)3·9H2O. The quercetin was yellow in color and showed maximum wavelengths (λ􀭫􀭟􀭶) at 250 and 370 nm. The Fe(III)-quercetin complex from Fe(NO3)3·9H2O was yellowish green with 􀟣􀭫􀭟􀭶 at 280 and 420 nm, whereas that from FeCl3·6H2O was dark green with 􀟣􀭫􀭟􀭶 at 280 and 430 nm. The 􀟣􀭫􀭟􀭶 shift indicated that the complex was formed at 3-hydroxychromone site. The Fe(III)- quercetin complex was formed with 1:1 metal-ligand mole ratio based on atomic absorption spectrophotometry analysis and the X-ray diffractogram showed that the crystallinity of the complex was 37%.
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