Judul: Optimizing MSME Performance Through the Adoption of E-payment and E-commerce: A Case Study of Agricultural and Nonagricultural Sectors
Abstrak: UMKM terus didorong untuk masuk ke ekosistem bisnis digital sejalan dengan perkembangan transaksi melalui layanan e-payment dan e-commerce di masyarakat. Namun, terdapat kesenjangan digitalisasi pada UMKM sektor pertanian dan nonpertanian. Penelitian ini bertujuan untuk melihat pengaruh adopsi e-paymentdan e-commerce terhadap kinerja UMKM serta melihat perbedaan pengaruh yang ditimbulkan terhadap sektor pertanian dan nonpertanian. Analisis menggunakan data 550 UMKM terdiri dari 110 sektor pertanian dan 440 sektor nonpertanian di seluruh Indonesia dengan metode analisis cross-tabulation dan SEM-PLS. Pada sektor nonpertanian terdapat pengaruh langsung dan tidak langsung yang positif dan signifikan dari penggunaan e-payment dan e-commerce terhadap kinerja UMKM. Sedangkan pada sektor pertanian, e-payment tidak berpengaruh signifikan secara langsung terhadap kinerja UMKM, tetapi pengaruhnya secara tidak langsung dimediasi oleh e-commerce. Oleh karena itu, perlu ada sinergi dan integrasi yang kuat antara layanan e-payment dan e-commerce dalam mendorong produktivitas dan kinerja UMKM baik di sektor pertanian maupun nonpertanian., MSMEs are encouraged to enter the digital business ecosystem in line with the development of transactions through e-payment and e-commerce services in society. However, there is a digitalization disparity in MSMEs in the agricultural and non-agricultural sectors. This study aims to look at the effect of e-payment and e-commerce adoption on MSME performance and see the differences in the effects on the agricultural and non-agricultural sectors. The analysis used data from 550 MSMEs consisting of 110 agricultural sectors and 440 non-agricultural sectors throughout Indonesia with cross-tabulation and SEM-PLS analysis methods. In the non-agricultural sector, there are positive and significant direct and indirect effects of the use of e-payment and e-commerce on the performance of MSMEs. Meanwhile, in the agricultural sector, e-payment does not have a significant effect directly on the performance of MSMEs, but its effect is indirectly mediated by e-commerce. Therefore, there needs to be strong synergy and integration between e-payment and e-commerce services in encouraging the productivity and performance of MSMEs in both the agricultural and non-agricultural sectors.
Keyword: Transformasi digital, SEM-PLS, e-payment, e-commerce, kinerja UMKM, sektor  pertanian dan nonpertanian

Judul: Accelerating the Digitalization of Indonesian MSMEs Through E-Commerce Adoption: Analysis of Socio-Economic Determinants
Abstrak: Studi ini mengkaji faktor-faktor yang berperan dalam pemanfaatan e-commerce, dengan fokus khusus pada dimensi sosial-ekonomi. Data survei yang dikumpulkan dari Survei Sosial Ekonomi Nasional (Susenas) 2021 digunakan sebagai dasar analisis, dengan penerapan metode regresi logistik. Pendekatan ini bertujuan untuk mengidentifikasi dampak dari variabel-variabel seperti jenis kelamin, pendapatan, dan pendidikan, terhadap adopsi e-commerce. Hasil penelitian menunjukkan adanya hubungan antara penjualan online dan aktivitas pembelian. Mereka yang terlibat dalam penjualan online, termasuk UMKM, cenderung juga melakukan pembelian online untuk kebutuhan pribadi sebanyak 62,80 persen. Sebaliknya, kecenderungan untuk tidak melakukan pembelian secara online mencapai 92,40 persen dari responden yang tidak terlibat dalam penjualan online. Faktor-faktor seperti jenis kelamin, status pernikahan, usia, kegiatan utama, pendapatan, ukuran keluarga, penggunaan telepon genggam, akses internet dan keuangan, tempat tinggal, dan perilaku penjualan serta pembelian online memengaruhi keputusan untuk melakukan adopsi e-commerce. Implikasi dari temuan ini diuraikan untuk memandu para pelaku industri dan pembuat kebijakan untuk mengoptimalkan penetrasi dan adopsi e-commerce di masyarakat., This study examines the factors that play a role in e-commerce utilization, with a particular focus on socio-economic dimensions. Survey data collected from the 2021 National Socio-Economic Survey (Susenas) is used as the basis of analysis, with the application of the logistic regression method. This approach aims to identify the impact of variables such as gender, income, and education, on e-commerce adoption. The results show a relationship between online sales and purchasing activities. Those who engage in online sales, including MSMEs, tend to also make online purchases for personal needs as much as 62,80 percent. In contrast, the tendency not to make online purchases reached 92,40 percent of respondents who were not involved in online sales. Factors such as gender, marital status, age, main activity, income, family size, mobile phone usage, internet access and finance, place of residence, and online selling and purchasing behavior influence the decision to adopt e-commerce. The implications of these findings are outlined to guide industry players and policy makers to optimize e-commerce penetration and adoption in society.
Keyword: UMKM, E-commerce, Logit

Judul: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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