Judul: Pengaruh Literasi Keuangan, Persepsi Risikio, dan Motivasi Hedonis terhadap Minat Menggunakan Kembali Paylater
Abstrak: Paylater merupakan salah satu Fintech P2P Lending yang saat ini banyak digunakan oleh masyarakat. Namun dibalik kemudahannya, terdapat beberapa risiko yang dapat merugikan pengguna paylater. Penelitian ini bertujuan untuk menganalisis karakteristik pengguna paylater di Jabodetabek, menguji pengaruh literasi keuangan, persepsi risiko, dan motivasi hedonis terhadap minat menggunakan kembali paylater. Metode analisis yang digunakan adalah analisis deskriptif dan analisis SEM-PLS. Hasil penelitian menunjukkan bahwa 1) sebanyak 63% generasi milenial termasuk dalam kategori well literate dan 37% termasuk dalam kategori sufficient literate (2) tidak terdapat pengaruh literasi keuangan terhadap minat menggunakan kembali paylater, (3) persepsi risiko berpengaruh negatif signifikan terhadap minat menggunakan kembali paylater, (4) motivasi hedonis berpengaruh positif dan signifikan terhadap minat menggunakan kembali paylater., Paylater is one of the Fintech P2P Lending platforms that is widely used by the public. However, behind its convenience, there are several risks that can be detrimental to paylater users. This study aims to analyze the characteristics of Paylater users in Jabodetabek, examine the influence of financial literacy, risk perception, and hedonic motivation on the intention to reuse paylater. The analysis methods used are descriptive analysis and SEM-PLS analysis. The results of the study indicate that 1) 3% of millennials were categorized as well literate, and 37% were categorized as sufficiently literate, 2) there was no influence of financial literacy on the intention to reuse Paylater, 3) risk perception had a significant negative effect on the intention to reuse Paylater, 4) hedonic motivation had a significant positive effect on the intention to reuse Paylater.
Keyword: financial literacy, hedonic motivation, paylater, risk perception

Judul: The Effect of Financial Literacy and Perceived Risk on Intention to Use Paylater with Theory of Planned Behavior (TPB) Approach
Abstrak: Payater adalah layanan pinjaman uang tanpa jaminan yang memudahkan penggunanya untuk melakukan pembayaran menggunakan dana talangan dan dapat dibayarkan belakangan. Namun, dibalik kemudahan dan keuntungan yang ditawarkan paylater terdapat risiko yang berpotensi merugikan penggunanya. Penelitian ini bertujuan untuk (1) menganalisis tingkat literasi keuangan pada generasi milenial, (2) menganalisis pengaruh literasi keuangan dan persepsi risiko terhadap minat menggunakan paylater, dan (3) menganalisis pengaruh sikap, norma subjektif, dan persepsi kontrol perilaku terhadap minat menggunakan paylater. Metode analisis yang digunakan adalah analisis deskriptif dan analisis SEM-PLS. Hasil penelitian menunjukkan bahwa 1) tingkat literasi keuangan generasi milenial di Jabodetabek sebesar 45%, (2) tidak terdapat pengaruh literasi keuangan terhadap minat menggunakan paylater dan terdapat pengaruh negatif dan signifikan risiko kinerja, risiko waktu, risiko keamanan dan risiko keuangan terhadap sikap penggunaan paylater, sedangkan risiko sosial tidak berpengaruh terhadap sikap penggunaan paylater, dan (3) terdapat pengaruh positif sikap, norma subjektif, dan persepsi kontrol perilaku terhadap minat menggunakan paylater., Paylater is an unsecured money loan service that makes it easy for users to make payments using bailout funds and can be paid later. However, behind the convenience and benefits offered by paylaters, there are risks that have the potential to harm users. This study aims to (1) analyze the level of financial literacy in the millennial generation, (2) analyze the effect of financial literacy and perceived risk on intention to use paylater, and (3) analyze the effect of attitudes, subjective norms, and perceived behavioral control on intention to use paylater. The analytical method used is descriptive analysis and SEM-PLS analysis. The results show that (1) the level of financial literacy of the millennial generation in Jabodetabek is 45%, (2) there is no effect of financial literacy on the intention to use paylater and there is negative and significant effect of performance risk, time risk, security risk and financial risk on attitudes to using paylater, while social risk has no effect on attitudesto using paylater, and (3) there is positive and significant effect of attitudes, subjective norms, and perceived behavioral control on intention to use paylater
Keyword: financial literacy, paylater, perceived risk, theory of planned behavior

Judul: Characterization and Expression of Tomato infectious chlorosis virus Coat Protein Gene in Escherichia coli
Abstrak: Tomato infectious chlorosis virus (TICV) is a member of Crinivirus genus. TICV infects tomato crop in Garut and Cipanas, West Java Indonesia. Tomato initially showed bright interveinal yellowing symptoms. The coat protein gene (CP-TICV) was amplified by RT-PCR from total RNA extracted from infected tomato leaves and the amplified fragment was cloned and completely sequenced. The fragment was subsequently subcloned into the pET-21b expression vector. The recombinant plasmid was transformed to Escherichia coli strain BL21(DE3)pLysS to express the coat protein. The coat protein fused to a 6xhistag, was purified by affinity chromatography using a NiNTA spin column. The identity of the purified protein was confirmed by SDS-PAGE. In this experiment, 792 bp of CP-TICV gene of TICV virus has been successfully cloned, sequenced, and expressed in E. coli. Based on nucleotide sequences alignment analysis, TICV-Indonesia strain showed 100% identity to TICV –Spain strain and 99% identity to North America, France, and California strains and based on amino acid sequences alignment analysis, TICV-Indonesia strain showed 100% identity to TICV –Spain, North America, France strains and 99.2% identity to California strain. CP-TICV showed over expressed in E. coli when it is induced with 1 mM IPTG and incubated at 37oC. Purified CP-TICV-Histag recombinants protein sized 29 kDa based on SDSPAGE analysis.
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