Judul: An Analysis of Demographic, Motivation, Attitude and Personality Factors Associated with the Ownership, the Use and the Payment of Credit Card
Abstrak: Credit card as the method of payment in the new economic era, provides convenience, acceptance for payment anywhere, including shopping centers, hotels, restaurants and can be accepted in various places around the world, because the credit card is considered to be more practical and safe (less cash). The purposes of this study were (1) to analyze factors related to the ownership of credit card; (2) to analyze factors related to the use of credit card; (3) to analyze factors related to the credit card payment; (4) to analyze factors related to the probability of default; (5) to formulate marketing strategies to make the credit card industry to be more competitive, higher profits, and lower risk. The data were collected from the employees/workers in eight large companies based in Jakarta. Stratified random sampling was employed to select the 300 respondents. The main variables in this research were (a) ownership, (b) the use, (c) payment, (d) payment failure, demographic variables (age, gender, marital status, number of family members, education, occupation, and income) and psychographics (motivation, attitude and personality). The result shows that factors related to the ownership of credit card (Y1) were age, education, occupation, income, and motivation. Factors that related to the use frequency of credit card (Y2) were the marital status, number of family members, director level, income up to Rp 10 million and personality. Factors that related to the value in credit card transactions (Y3) were the age, manager and director level, income more than Rp 5 million up to Rp 10 million and personality. Factors that related to payment (Y4) were sex, supervisor and manager level, income more than Rp 3 million up to Rp 5 million, income up to Rp 10 million, motivation, attitude, and personality. Factors related to the payment failure (YD) were the marital status and motivation. Managerial implications based on the combination of marketing strategies and risk management. The implications of the combination model are a brief description diagrammatic about various things that need to be done or accommodated in the implementation of marketing strategies and risk management. In general, the model divided into three parts, namely a bank, company, and the employees who work in the company. The basic concept of the company is to provide the welfare for employees, while the basic concept of the bank is to expand the market and minimize the risk of credit problems. Based on the concept, there will be cooperation between both parties. Each party has rights and obligations that must be obeyed and implemented so that the final goal of all parties can be achieved.
Keyword: Kartu Kredit, Perilaku Konsumen, Demografi, Psikografi, Regresi Logistik, Kepemilikan Kartu Kredit, Penggunaan Kartu Kredit, Perilaku Pembayaran, Risiko Gagal Bayar, Kredit Bermasalah, Non Performing Loan, Credit Cards, Demography, Consumer Behavior, Consumer Behavior, Logistic Regression, Credit Card Ownership, Credit Card Usage Purposes, Payment Behavior, Non Performing Loan, Analisis thurstonian, Metode Thurstonian, Focus Group Discussion (FGD), Default Risk

Judul: The Influence of Motivation, Product Knowledge  and Self-Efficacy Towards Consumer Vulnerability of Credit Card Users
Abstrak: Pada tahun 2019, Yayasan Lembaga Konsumen Indonesia (YLKI) telah menerima 106 kasus pengaduan perbankan dengan 15,09% pengaduan bank mengenai kartu kredit. Pengaduan konsumen mengindikasikan adanya kerentanan konsumen. Kerentanan konsumen merupakan keterbatasan konsumen dalam asimilasi dan akses informasi sehingga rentan terhadap praktik tekanan pelaku usaha yang curang sehingga konsumen berpeluang mengalami risiko kerugian. Tujuan penelitian ini adalah untuk menganalisis pengaruh motivasi, pengetahuan produk dan efikasi diri terhadap kerentanan konsumen pengguna kartu kredit. Desain penelitian ini adalah cross sectional study. Pengambilan data dilakukan bulan Maret hingga April 2021 selama tiga minggu. Data diperoleh menggunakan kuesioner online dengan 205 responden. Analisis data menggunakan metode SEM melalui software LISREL 8.80. Hasil penelitian menunjukkan motivasi penggunaan kartu kredit responden, pengetahuan produk terkait kartu kredit, efikasi diri penggunaan kartu kredit dan kerentanan konsumen pengguna kartu kredit berada pada kategori sedang. Hasil penelitian menunjukkan kerentanan konsumen yang terdiri dari dimensi akses informasi, tekanan pelaku usaha dan risiko kerugian dipengaruhi oleh motivasi dan efikasi diri tetapi tidak dipengaruhi oleh pengetahuan produk. Motivasi dan efikasi diri berpengaruh positif terhadap seluruh variabel., In 2019, Yayasan Lembaga Konsumen Indonesia (YLKI) received 106 cases of bank complaints with 15,09% of bank complaints related to credit cards. Consumer complaints indicate consumer vulnerability. Consumer vulnerability is the limitation of consumers in assimilation and access to information so that they are vulnerable to fraudulent business pressure practices so that consumers have the opportunity to risk losses. The purpose of this study was to analyze the influence of motivation, product knowledge and consumer vulnerability to credit card users. The design used in this study was a cross sectional study. Data was collected from March to April 2021 for three weeks. The data was collected by using an online questionnaire with 205 respondents. Data analysis using SEM method through LISREL 8.80 software. The results showed that the respondents' motivation to use credit cards, credit card related product knowledge, self-efficacy of credit card use and consumer vulnerability of credit card users were in the ii medium category. The results showed that consumer vulnerability which consists of dimensions of access to information, seller pressure and risk of loss is influenced by motivation and self-efficacy but is not influenced by product knowledge. Motivation and self-efficacy have a positive effect on all variables.
Keyword: Access to Information, Consumer Vulnerability, Credit Cards, Risk of  Loss, Seller Pressure

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell