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: The Influence of Financial Literacy and Perceived Risk towards the Intention to use Paylater Services across Milennial Generation
Abstrak: Layanan paylater merupakan salah satu alternatif dalam transaksi keuangan non tunai, dan di Indonesia berada pada posisi ketiga fintech yang paling sering digunakan dibandingkan metode pembayaran melalui convenience store. Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan dan persepsi risiko terhadap minat menggunakan layanan paylater pada generasi milenial. Penelitian ini menggunakan desain explanatory dan cross sectional study, dengan total 220 orang generasi milenial Indonesia yang diambil dengan teknik voluntary sampling. Studi ini menunjukkan bahwa pengetahuan dan sikap keuangan berada pada kategori moderat, sedangkan perilaku keuangan terkategori moderat dan tinggi. Persepsi risiko sosial dan psikologis berada pada kategori rendah, sedangkan persepsi risiko keuangan, kinerja, dan waktu berada pada kategori moderat. Sementara itu, presentasi terbesar minat menggunakan layanan paylater berasa pada kategori rendah dan moderat. Hasil uji regresi menunjukkan bahwa usia dan pendapatan berpengaruh positif signifikan terhadap minat menggunakan layanan paylater, sedangkan persepsi risiko kinerja dan waktu berpengaruh negatif signifikan terhadap minat menggunakan layanan paylater.
Keyword: Financial literacy, intention to use, millennials, paylater, perceived risk

Judul: Sintesis dan Pencirian Benzalkonium KIOl'ida
Abstrak: One active compound which is used in disinfectant is benzalkonium chloride. It is one of the safest biocides known and has a long history of efficacious use; hence, benzalkonium chloride becomes important in disinfectant production. Accordingly, economically benzalkonium chloride synthesis needs to be found. The principle of benzalkonium chloride synthesis is alkylation of amine compound by linear synthesis route. First of all, ammonium carboxylic salt was synthesized with yield of 87% and showed infrared absorption of N-H stretch at 3428 cm·l , strong absorption of C=O stretch at 1717 cm-I, and also aliphatic C-H stretch at 2849 cm-I and 2917 cm-I. Secondly, an amide was synthesized with yield of 84% and showed strong absorption of C=O stretch at 1704 em-I, absorption of aliphatic C-H at 2849 cm-I and 2917 em-I, and also absorption of CNat 942 em-I. In the third step, the amine was synthesized with yield of 89% and showed disappearance of C=O stretch at 1700 cm-I . In the last step, benzalkonium chloride was synthesized through 2 ways, i.e. reflux and microwave assisted organic synthesis (MAOS). Both benzalkonium chloride infrared spectra, fi'om reflux and MAOS, showed some absorptions of aryl C-H stretch at 3033 cm-I , aryl C-C bending at 1455 cm-I , 1496 cm-I and 2 peaks which were shouldershaped at around 1600 cm-I . This last step gave a mixed product which was proven by absorption at 1700 cm-I . Consequently, the yield could not be calculated.
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