Judul: Faktor-Faktor yang Memengaruhi Financial Management Behavior pada Generasi Z
Abstrak: Sejak tahun 2018, telah diperkenalkan metode pembayaran baru kepada masyarakat yaitu paylater. Kehadiran paylater memunculkan kekhawatiran terkait pengelolaan keuangan. Layanan paylater yang banyak digunakan di Indonesia yaitu Shopee paylater. Indonesia dinilai cukup adaptif dalam menggunakan paylater. Terbukti dari jumlah pengguna yang terus meningkat, salah satunya dari Generasi Z atau lebih dikenal sebagai Gen Z. Gen Z mempunyai prinsip FOMO dan YOLO yang cenderung menikmati hidup dengan mengikuti tren saat ini sehingga mengesampingkan masa depan. Penelitian ini akan menganalisis financial management behavior pada Gen Z pengguna Shopee paylater. Penelitian ini menggunakan metode analisis deskriptif dan kuantitatif. Analisis kuantitatif menggunakan metode SEM-PLS untuk menganalisis pengaruh variabel independen terhadap variabel dependen. Berdasarkan analisis SEM-PLS, menunjukkan bahwa financial socialization, financial knowledge, dan financial experience terbukti positif dan signifikan memengaruhi financial management behavior pada pengguna Shopee paylater khususnya Gen Z. Namun, locus of control menunjukkan hasil negatif dan tidak signifikan memengaruhi financial management behavior.
Keyword: financial management behavior, FOMO, generasi Z, paylater, YOLO

Judul: Analisis Perilaku Keuangan pada Generasi Z Muslim di Jabodetabek (Studi Kasus Pengguna Shopeepaylater).Analisis Perilaku Keuangan pada Generasi Z Muslim di Jabodetabek (Studi Kasus Pengguna Shopeepaylater).
Abstrak: Sebagai upaya dalam meningkatkan transaksi, sebagian besar perusahaan e commerce mulai menawarkan fitur paylater atau layanan cicilan tanpa kartu kredit. Penggunaan fitur paylater harus diimbangi dengan perilaku keuangan yang baik karena risiko dari penggunaan fitur paylater pada generasi muda dapat terjadi dalam kondisi kurangnya perilaku manajemen keuangan sehingga sebagian besar generasi Z belum mandiri secara finansial serta mendorong pembelian secara impulsif. Ditinjau dari sisi syariah, fitur paylater adalah utang dengan adanya tambahan atau riba sehingga bagi umat Islam diutamakan untuk meninggalkannya. Urgensi penelitian ini adalah menganalisis perilaku generasi Z secara finansial pada studi kasus penggunaan Shopeepaylater. Penelitian ini menggunakan metode analisis deskriptif dan kuantitatif. Analisis kuantitatif dilakukan dengan menggunakan metode SEM-PLS untuk menganalisis pengaruh financial attitude, financial socialization, financial experience dan Islamic financial knowledge terhadap financial behavior. Hasil penelitian menyatakan bahwa variabel financial socialization dan financial experience berpengaruh positif dan signifikan terhadap financial behavior pengguna Shopeepaylater generasi Z muslim di Jabodetabek sedangkan variabel financial attitude dan Islamic financial knowledge tidak memiliki pengaruh terhadap financial behavior., In order to increase the transactions, most e-commerce companies have begun to offer paylater or buy-now-pay-later features. The use of the paylater feature must be balanced with good financial behavior because the risk of using the paylater feature in the younger generation can occur in conditions of lack of financial management behavior so that most of the Z generation are not financially independent yet and encourage impulsive buying. From the sharia perspective, the paylater feature is debt with extra fee, so it is preferable for Muslims to leave it. The urgency of this study is to analyze the financial behavior of generation Z in the case study of Shopeepaylater user. This research uses quantitative and descriptive analysis method. Quantitative analysis uses the SEM-PLS method to analyze the influence of financial attitude, financial socialization, financial experience and Islamic financial knowledge on financial behavior. The results showed that the financial socialization and financial experience variables had positive and significant influence on the financial behavior of Generation Z Muslim Shopeepaylater users in Jabodetabek while the variables of financial attitude and Islamic financial knowledge do not have a significant influence on financial behavior.
Keyword: e-commerce, financial behavior, generation Z, paylater

Judul: Pemurnian dan karakterisasi protein inhibitor RNA helikase virus hepatitis C
Abstrak: Hepatitis C virus (HCV) infection is the second most common chronic viral infection in the world with global prevalence. This infection is contribution to chronic hepatitis and liver cirrhosis, often leading to hepatocellular carcinoma. There is no effective drug and vaccine available against HCV. The current standard treatment, a combination of pegylated interferon-α with ribavirin, is limited by its suboptimal response rate in a significant patient population, side effects, and affordability. Therefore, development of effective drug is needed. One approach to find out the candidate of antiviral drug is to discover the inhibitor of enzyme that essential for virus replication, such as RNA helicase. Streptomyces chartreusis 5-095 produce the inhibitor of HCV RNA helicase. The aim of this study was to purify the protein inhibitor which has inhibition activity against ATPase activity of RNA helicase HCV from S. chartreusis 5-095. The supernatant of culture S. chartreusis 5-095 exhibited high inhibiton activity against ATPase activity of RNA helicase HCV (approximately 72%) at 10 days of incubation. The extracellular protein inhibitor was partially purified by procedures of precipitation with ammonium sulfate to 65% saturation and gel filtration (Sephadex G50) using methanol water solution (4:6) as an eluen. The purity of protein inhibitor was monitored by SDS PAGE. The protein inhibitor showed a relative molecular mass were estimated to be 14 kDa and increased the purity 23,08 fold than those of the crude protein. The specific activity and IC50 after purification were 13,1338 U/mg and 0,0767 mg/mL, respectively. The activity of purified protein inhibitor showed its stability over pH range from 5-8 and optimum at pH 7,4. The inhibition activity showed its stability up to 70% at temperature 100 oC. The purified protein inhibitor relatively stable its activity at storage in the range of -20 oC to room temperature for 35 days.
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