Judul: Analisis Niat Berinvestasi Generasi Milenial Menggunakan Platform P2P Lending Sebagai Alternatif Investasi
Abstrak: Peer-To-Peer (P2P) lending merupakan salah satu bentuk inovasi layanan keuangan digital yang sedang berkembang di Indonesia. Hadirnya P2P lending membuka peluang untuk memberikan solusi kepada peminjam tertentu yang memiliki keterbatasan akses keuangan formal. Selain itu, P2P lending juga berperan sebagai alternatif investasi dalam bentuk pinjaman. Saat ini masih terdapat kesenjangan yang signifikan antara jumlah investor dengan jumlah peminjam. Disisi lain pertumbuhan volume penyaluran pinjaman di awal tahun 2020 mengalami penurunan dibandingkan dengan awal tahun 2019. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi investment intention menggunakan platform P2P lending melalui trust dan perceived risk. Faktor dugaan yang dapat memengaruhi trust adalah relative advantage, perceived reputation, perceived structural assurance, dan perceived information quality. Sementara faktor dugaan yang dapat memengaruhi perceived risk adalah perceived reputation, perceived structural assurance, perceived information quality, serta financial literacy. Penelitian ini dilakukan terhadap 254 responden yang dipilih secara non-probability sampling dengan kriteria belum pernah menggunakan platform P2P lending dan dibatasi pada generasi milenial yang lahir antara tahun 1980 dan 2000. Data dikumpulkan dengan cara mengisi kuesioner yang disebarkan secara online. Analisis statistik yang digunakan adalah SEM (Structural Equation Model) dengan menggunakan LISREL. Hasil penelitian menunjukkan trust dan perceived risk berpengaruh langsung secara signifikan terhadap investment intention. Relative advantage, perceived reputation, perceived information quality berpengaruh secara signifikan terhadap trust, sementara perceived structural assurance tidak berpengaruh signifikan. Selanjutnya, perceived reputation, perceived structural assurance, dan trust berpengaruh secara signifikan terhadap perceived risk, sementara financial literacy dan perceived information quality tidak berpengaruh signifikan. Beberapa bentuk implikasi manajerial yang dapat dilakukan oleh penyelenggara adalah menerapkan strategi terkait Segmentation, Targetting, Positioning (STP) dan bauran pemasaran terkini serta meningkatkan layanan prima dari customer service ataupun call center kepada investor yang sudah ada agar dapat menyebarkan keunggulan layanan platform kepada calon investor, menyediakan laporan berkala tentang penggunaan modal usaha yang sudah diinvestasikan investor, menginformasikan secara jelas bagaimana informasi privasi calon investor akan digunakan untuk customer due- diligence, melakukan kerja sama dengan bank kustodian untuk meningkatkan keamanan dan perlindungan dana investasi, serta meningkatkan kembali ketepatan verifikasi peminjam layak kredit (contohnya: UMKM) agar credit scoring bernilai wajar dan tetap menguntungkan.
Keyword: P2P lending, perceived information quality, perceived reputation, perceived risk, perceived structural assurance, trust

Judul: The Effect of Financial Literacy and Self-Efficacy towards the Intention to Use Peer to Peer Lending Service across Millennial Generation
Abstrak: Minat menggunakan P2P lending merupakan dorongan yang datang dari dalam diri seseorang untuk melakukan pinjaman online. Seiring dengan meningkatnya akses internet dan pengguna gawai di Indonesia, nasabah layanan P2P ini pun menunjukkan peningkatan yang signifikan setiap tahunnya. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan efikasi diri terhadap minat penggunaan peer to peer lending. Penelitian ini menggunakan desain explanatory pada 234 contoh generasi milenial di Jabodetabek yang dipilih melalui teknik purposive sampling dengan metode pengambilan data secara online. Hasil penelitian menunjukkan, literasi keuangan dan efikasi diri berada pada kategori moderat, sementara minat penggunaan dikategorikan rendah. Uji regresi menunjukkan bahwa jumlah tanggungan, jenis pinjaman utang, dan sikap terhadap P2P lending berpengaruh signifikan positif terhadap minat menggunakan P2P lending, sedangkan pada pengetahuan keuangan berpengaruh signifikan negatif terhadap minat menggunakan P2P lending., Intention to use P2P lending is an impulse that comes from within a person to make online loans. Along with the increasing of access toward internet access and mobile phone, the number of P2P lending user has been rise significantly. This study aims to analyze the influence of financial literacy and self-efficacy towards the intention to use P2P lending service. Using an online survey for data collection, the research design was explanatory involving 234 samples of millennial generation who were selected by purposive sampling technique in Jabodetabek. The results showed that financial literacy and self-efficacy was categorised as moderate, and intention to use peer to peer lending were categorised as low. Further analysis by regressions test showed that, the number of dependents, the amount of loan, and attitude towards P2P lending had a significant positive effect on the intention to use P2P lending. Meanwhile, financial knowledge had a significant negative effect on the intention to use P2P lending.
Keyword: financial decisions, intention to use, millennial, online lending, savings

Judul: Biology and ecology of the buffalo fly, haematobia exigua de meijere (diptera:muscidae)
Abstrak: The life history of the buffalo fly was observed at room temperature of 27°-29.5°C and at a relative humidity of 48-68 percent. The eggs hatched after 17-22 hours, with an average of 18 hours. First instar larvae measured 1.25 + 0.16 mm long and 0.27 + 0.037 mm wide. reach the second larval stage. It took 6-12 hours to the second instar larvae measured 2.676 +0.187 mm long and 0.353 +0.028 mm wide. The second instar took about 12-24 hours to reach the third larval stage. The third instar measured 6.833 + 0.189 mm long and 0.919 + 0.051 mm wide. It took about 2-3 days for the third instar to become pupae. Duration of the pupal stage was about 5-7 days before the adults emerged. Under laboratory condition, the buffalo fly completed its life cycle in 9.5 to 10.5 days, whereas under field condition it took 9-14 days with an average of 10.5 days. The growth ratio which was based on the measurements of the cephalo-pharyngeal skeleton of each instar was 1.797. The preoviposition period was 8-12 days and mating usually occurred on the 6th or 7th day. The longevity of the male was 29 days, whereas it was 32 days in the female. The range of egg production under laboratory condition was between 20-139 per female fly. The belly and hind legs of the carabao were the most preferred habitat either during cloudy and cool dry or shiny and warm day. When the weather was clear and the carabao was in the shade, the flies tended to be more distributed particularly on the shoulder, dewlap, back and horns. The carabaos had relatively fewer Musca sp. and Stomoxys calcitrans than cattle; never the less carabaos had a higher infestation of buffalo fly than cattle. Oviposition occured either during the day or night but the buffalo flies were more active during the night than in the day time. The effect of various lengths of exposure time of manure in relation to the oviposition was profound. observed, the maximum number of the buffalo flies was occurred when the dung was exposed for 30 minutes. With increasing time of exposure the number and variety of insects also increase. It was evident that Sepsidae and psychodidae were the most dominant insects emerging from the dung. The number of buffalo flies also increased with increasing
Keyword: