Judul: Pengaruh Nilai dan Gaya Hidup terhadap Kepemilikan Asuransi Jiwa
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh nilai dan gaya hidup terhadap kepemilikan asuransi jiwa. Responden dalam penelitian ini adalah 70 responden yang terdiri dari 35 responden memiliki asuransi jiwa dan 35 responden tidak memiliki asuransi jiwa di Kelurahan Paledang, Kota Bogor Tengah yang dipilih menggunakan teknik accidental sampling. Hasil penelitian ini menujukkan bahwa nilai pribadi responden peserta asuransi jiwa memiliki rataan nilai tinggi pada dimensi stimulation (74.29), sedangkan responden bukan peserta asuransi jiwa memiliki rataan nilai tinggi pada dimensi power (67.14). Pada nilai sosial secara keseluruhan responden peserta asuransi jiwa memiliki rataan nilai tinggi terutama pada dimensi security (72.50). Gaya hidup environmental respond (88.6%) dalam penelitian ini lebih dominan pada responden bukan peserta asuransi jiwa, sedangkan gaya hidup nurturing and family orientation (45.7%) dominan pada responden peserta asuransi jiwa. Hasil uji regresi logistik menunjukkan bahwa nilai pribadi, nilai sosial, dan gaya hidup environmental respond contoh berpengaruh terhadap kepemilikan asuransi jiwa.
Keyword: gaya hidup, keluarga, kepemilikan asuransi jiwa, nilai

Judul: Pengaruh Nilai dan Akses Informasi terhadap Perencanaan Keuangan Keluarga dalam Pembelian Asuransi Jiwa
Abstrak: Life insurance is one of many ways to anticipate risks in the future. The aim of this research was to analyze value due to the priorities scale of its dimension, to analyze information access, and to analyze their influences towards financial planning in purchasing life insurance. The population of this research was 507 family in Kebon Pedes Village, Tanah Sareal District, Bogor City. The location had prosperous family I, II, and III plus, the most in Tanah Sareal District. The sample of this research was 84 family that was determined by Slovin equation and pulled off by simple random sampling. The result of this research showed that the respondents getting information was 90.5 percent of the sample, and those who did not was 9.5 percent of the sample. Maximum sources the respondents had were 9 sources. The trusted one was life insurance agent. Besides, friends or neighbours and family are also trusted by each 16.7 and 6.0 percent of the sample. The dimension of the value having highest priority was Universalism which was one of the social values. Value was significantly affecting financial planning in life insurance purchasing.
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Judul: Heterologous Expression Of Endo-Β-Xylanase From Bacillus Pumilus Strain Bcrs-01 In Escherichia Coli.
Abstrak: Xylanases are glycoside hydrolase family 11 which depolymerise xylan in the plant cell wall, the most excessive form of hemicellulose. Endo-β-xylanases (EC 3.2.1.8) are most important to breakdown β-1,4-glicoside bond of xylan to produce disaccaride xyloolygosaccaride (XOs) and xylose (monomer). Bovine rumen fluids have potential to obtain endo-β-xylanase produced of bacteria. The objectives of this study were to obtain xylanase producing bacteria and to express xynA gene encoding endo-β-xylanase from bacterium in Escherichia coli. Twenty nine isolate bacteria have been succesfully isolated from bovine rumen fluid in agar medium containing birchwood xylan. Isolate BCRS-01 bacterium was previously screened for the high production of xylanase. Based on 16S rRNA gene sequence analysis, BCRS-01 showed high similarity (99%) to Bacillus pumilus (accession number NR043241). The crude xylanase had optimal activity at 55oC, pH 7.0. Furthermore, the crude xylanase exhibited broad pH stability from 4.0 to 10.0 and remained more than 60% and 40% of its activity after incubation at pH 4.0 until 10.0, respectively for 60 min. It also showed a stability at temperature 25-50oC since it retained 80% and 50% of its activity when incubated at 50oC or 30 and 60 min, respectively. The xylanase activity was strongly inhibited by Ca2+ and Cu2+ at concentration 10 mM, and as little as 1 mM for Mn2+. Therefore, this xylanase has potentially used as additive feeds in animal feed industry. The DNA sequence xynA gene encoded endo-β-xylanase was amplified and cloned into the expression vector pET-15by under the control of T7 promoter. The recombinant protein had succesfully expressed in Escherichia coli BL21 (DE3) pLysS. A protein recombinant of approximately, 26.7 kDa was observed on the SDS-PAGE analysis. Crude extract of recombinant endo-β-xylanase demonstrated activity of enzyme at 56 U mL-1 using birchwood xylan as a substrate at 55oC for 10 min.
Keyword: Bacillus pumilus, bovine rumen fluid, endo-β-xylanase, heterologous expression.