Judul: The Impact of Financial Literacy, Personal Financial Planning, and Income on Interest in Life Insurance among the Sandwich Generation in Jabodetabek
Abstrak: Masyarakat Indonesia memiliki skor kesehatan finansial mencapai 41,16% di tahun 2023. Faktor penentu dalam kesehatan finansial yaitu financial safety dan financial growth. Hal tersebut sejalan dengan penyebab meningkatnya generasi sandwich di Indonesia yaitu tidak terciptanya financial freedom. Sebanyak 51% generasi muda merupakan generasi sandwich. Peningkatan juga terjadi pada kepemilikan asuransi jiwa sebesar 30,4% per 2022. Tujuan penelitian ini adalah mengidentifikasi tingkat dan pengaruh financial literacy, personal financial planning serta pendapatan terhadap minat beli asuransi jiwa pada generasi sandwich. Data yang digunakan merupakan data primer dan sekunder dengan metode analisis SEM-PLS yang dilaksanakan pada Maret - Mei 2024. Hasil penelitian menunjukkan bahwa personal financial planning berpengaruh secara signifikan terhadap minat beli asuransi jiwa, sedangkan financial literacy dan pendapatan tidak berpengaruh secara signifikan terhadap minat beli asuransi jiwa., The Indonesian society has achieved a financial health score of 41.16% in 2023. Determining factors in financial health include financial safety and financial growth. This correlates with the increasing prevalence of the sandwich generation in Indonesia, attributed to the lack of financial freedom. 51% of the younger generation are part of the sandwich generation. There has also been a 30.4% increase in life insurance ownership as of 2022. The objective of this research is to identify the levels and influence of financial literacy, personal financial planning, and income scale on life insurance interest among the sandwich generation. The study utilizes primary and secondary data analyzed using the SEM-PLS method conducted between March May 2024. The research findings indicate that personal financial planning significantly influences life insurance interest, whereas financial literacy and income do not significantly impact life insurance interest.
Keyword: literasi keuangan

Judul: Pengaruh Persepsi Risiko, Persepsi Manfaat, dan Akses Informasi terhadap Perencanaan Keuangan Keluarga dalam Pembelian Asuransi Jiwa
Abstrak: The uncertainties such as accident, death, and physical disability could disadvantageously affect humans’ livings; nevertheless those possible losses could be minimized. Life insurance is one of the financial planning forms that aiming to minimize the damage caused by the losses; however the citizens of Indonesia tend to have low participation in life insurance. The goal of this research was to analyze the influence of perceived risk, perceived benefit, and information access towards family financial planning in purchasing life insurance. The samples of this study were chosen by simple random sampling, consisted of 84 upper-middle families at Kebon Pedes Village, Tanah Sareal District, Bogor City. The study showed that perceived benefit influenced family financial planning in purchasing life insurance.
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Judul: Identifikasi Isolat Bakteri Tahan Krom(VI) dan Pengujian Aktivitas Enzim Krom(VI) Reduktase
Abstrak: Cr(VI) (chromate) is a toxic, soluble environmental contaminant. A Gram-negative, Cr(VI)-resistant bacterium, has been isolated from effluent of electroplating wastewater treatment reactor. This strain had maximum identity value as high as 96% to Ralstonia pickettii and Ralstonia sp. M2S3. This value indicated that the strain was a species of Ralstonia genera. Because of this reason, the strain was designated as Ralstonia sp. Cr6NS. Ralstonia sp. Cr6NS was able to grow aerobically in 250 ppm Cr(VI) and had Cr(VI) reducing-capacity as high as 4,11 x 10-8μg Cr(VI)/hour/cell. From the study of enzymatic activity, Ralstonia sp. Cr6NS showed the activity of Cr(VI)-reductase both in periplasmic and sitoplasmic content. The highest activity was found in periplasmic matrix. However, the strain seemed not secreting this enzyme to the external medium.
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