Judul: Studi Perilaku Penggunaan Kartu Plastik dalam Transaksi  Pembayaran oleh Keluarga
Abstrak: Tujuan penelitian adalah untuk mempelajari pemilikan dan perilaku penggunaan kartu plastik serta faktor-faktor yang mempengaruhi kepemilikan dan pelunasan pembayaran kartu kredit oleh keluarga. Desain penelitian adalah cross-sectional study yang dilaksanakan di Kota Bandung, dengan mengambil tempat Kompleks Perumahan Margahayu Raya, Kelurahan Sekejati, Kecamatan Margacinta. Pengumpulan data dilaksanakan pada bulan Mei sampai dengan Juli 2001. Populasi dipilih secara sengaja (purposive), yaitu keluarga golongan menengah ke atas mulai dari tipe rumah real estate dan tipe rumah 70 di Komplek Perumahan Margahayu Raya Bandung.
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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: Evaluation of Influenza Antibody Titers in Serum and Egg Yolk of Layers Vaccinated with Influenza Vaccines.
Abstrak: Influenza belongs to the Orthomyxoviridae family which causes upper and lower respiratory tract infection. The aim of this study was to evaluate influenza-A specific antibody titers from serum and egg yolk of hens vaccinated with quadrivalent influenza vaccines. Three Hy-line Brown layers were vaccinated with quadrivalent influenza type A and B inactivated vaccines. Vaccination was carried out three times at a dose of 0.25 ml/chicken via the intramuscular route. The first vaccination was carried out at 24 weeks of age, then boosters were performed at 28 and 32 weeks of age. Serum and egg yolk were collected every week for 20 weeks since the first vaccination. Influenza A H3N2 and H1N1 antibody titers were determined using hemagglutination-inhibition (HI) test and agar-gel-precipitation (AGP) test. Influenza-A H3N2 and H1N1 specific antibodies were detected in both serum and egg yolk from the first to twenty weeks after the initial vaccination. Highest HI geometric mean titer (GMT) of H1N1 antibody reached 26.67 HIU at nine weeks post first vaccination (p.f.v), while H3N2 antibody reached 26 HIU at six weeks p.f.v. Our result showed that influenza antibodies can be produced in layers using quadrivalent vaccines and layer chickens are able to produce equivalent antibody levels for each influenza subtype.
Keyword: antibody, egg yolk, influenza, layer chickens, serum