Judul: The Influence of Financial Literacy and Financial Attitude toward Debt Behavior among Customers of Bank Berjanji
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh literasi dan sikap keuangan terhadap perilaku berhutang nasabah Bank Berjanji. Penelitian ini dilakukan di Kecamatan Haurgeulis, Kabupaten Indramayu dengan melibatkan 62 nasabah Bank Berjanji. Pengambilan sampel menggunakan metode snowball sampling dan data dikumpulkan melalui wawancara tatap muka menggunakan kuesioner. Studi ini menunjukkan bahwa contoh memiliki tingkat literasi keuangan yang terkategori rendah. Sikap dan perilaku bijak dalam berhutang nasabah Bank Berjanji berada pada kategori moderat. Tidak terdapat perbedaan signifikan pada literasi keuangan, sikap, dan perilaku berhutang di antara responden berdasarkan lama menjadi nasabah Bank Berjanji. Pendidikan, literasi keuangan dan sikap berhubungan positif signifikan dengan perilaku bijak dalam berhutang. Hasil uji regresi menunjukkan bahwa literasi keuangan dan sikap berpengaruh positif signifikan terhadap perilaku bijak dalam berhutang sedangkan lama menjadi nasabah berpengaruh negatif signifikan terhadap perilaku bijak dalam berhutang., This study aims to analyze the influence of Financial literacy and financial attitudes on debt behavior among Bank Berjanji customers. Involving about 62 Bank Berjanji’s customers as respondents, this research was conducted in Haurgeulis Subdistrict, Indramayu Regency. This sampling used a snowball sampling method and the data were collected through face to face survey using a structured questionnaire. This study found that the level of financial literacy was categorized as low, while the attitude and wise debt behavior was in the moderate category. There is no significant difference on financial literacy, attitude, and debt behavior between respondents in term of length of time being a customer of Bank Berjanji. Education, financial literacy, and attitudes have a significant positive relationship with wise debt behavior. The regression test result show that financial literacy and attitude have a significant positive effect on wise debt behavior. In contrary, the length of time being a customer has a significant negative effect on wise debt behavior.
Keyword: bank berjanji, debt behavior, financial knowledge, Indramayu

Judul: The Influence of Financial Literacy and Financial Self-Efficacy on Financial Behavior among Customers of Bank Emok
Abstrak: Kurangnya pengetahuan dan kepercayaan diri dalam mengelola keuangan dapat berdampak pada perilaku keuangan yang buruk. Secara umum penelitian ini menganalisis pengaruh karakteristik responden, literasi keuangan dan financial self efficacy terhadap perilaku keuangan nasabah bank emok. Desain penelitian ini yaitu cross sectional study. Pengambilan sampel menggunakan metode snowball sampling sebanyak 94 perempuan pengguna jasa bank emok. Data dikumpulkan melalui wawancara menggunakan kuesioner dan teknik analisis data menggunakan analisis deskriptif, uji korelasi, dan uji regresi linier berganda. Hasil penelitian menunjukkan bahwa responden memiliki tingkat literasi keuangan yang rendah (less literate). Responden cukup memiliki kepercayaan diri dalam mengelola keuangan, namun masih banyak responden yang belum memiliki perilaku keuangan yang baik. Usia berhubungan negatif signifikan dengan perilaku keuangan. Sementara itu, pendidikan dan financial self-efficacy berhubungan positif signifikan dengan perilaku keuangan. Hasil uji regresi menunjukkan bahwa pendidikan dan financial self-efficacy berpengaruh positif signifikan terhadap perilaku keuangan, sedangkan literasi keuangan tidak memiliki pengaruh terhadap perilaku keuangan., Lack of knowledge and confidence in managing finances can have an impact on poor financial behavior. This study analyzes the influence of respondent characteristics, financial literacy, and financial self-efficacy on financial behavior among customers of Bank Emok. The design of this study is a cross sectional study. Sampling using the snowball sampling method 94 female users of bank emok. Data were collected through interviews using a questionnaire and analysed using descriptive analysis, correlation test, and multiple linear regression test. The results showed that the respondents had a low level of financial literacy (less literate). Respondents are quite confident in managing financial, however they are less likely to carry out a sound financial behavior. Age has a significant negative relationship with financial behavior. Meanwhile, education level and financial self-efficacy have a significant positive relationship with financial behavior. The regression test result show that education level and financial self-effycacy have a significant positive effect on financial behavior, while financial literacy has no effect on financial behavior.
Keyword: bank emok, Ciamis, financial behavior, financial literacy, financial self-efficacy

Judul: Hybrid solar cells of ZnO nanoparticles/chlorophyll was modified metal ions (Zn2+ and Cu2+ )
Abstrak: Zinc Oxide (ZnO) is a n-type semiconductor with a wide the energy band (Band Gap) is 3.37 eV at room temperature and 3.34 eV at low temperature with a large exiton binding energy is 60 meV. ZnO has been synthesized by hydrothermal method, resulting in a decrease in particle size over the duration of the hydrothermal changes. Crystallographic structure of ZnO were characterized using XRD, has shown the characteristic pattern of a hexagonal wurtzite structure, the crystallite size increases to changes in particle size. Changes in particle size has also led to a change in the absorption peak of ZnO as has been demonstrated posted under test using the optical properties of UV-Vis spectrophotometer. Changes of this uptake has also led to changes in the energy band gap, which increases its band gap energy of the particle size. In electronic applications, especially in solar cells. Chlorophyll is considered less effective, because of their very nature are easily degraded as a result of several reactions which are acid, lighting and temperature. The results of the stability test using a halogen lamp 34 W/m2 for 5 hours, that the substitution of chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form more stable than natural chlorophyll. The characterization of the optical properties, the combination of ZnO / chlorophyll in the form of hybrid films has led to a shift in the absorption region of ZnO becomes more widely from the UV to Visible. ZnO/chlorophyll has absorption range of 350-515 nm, ZnO / Zn-feofitin 332-401 nm and 332-632 nm for Cu-feofitin. The combination of ZnO/chlorophyll and CuSCN as a solid electrolite in hybrid solar cell, a modified chlorophyll with metal ions Zn2+ and Cu2+ has been shown to form a more stable I-V curve. It is characterized by its fill factor value greater than natural chlorophyll. Nevertheless, solar cells with natural chlorophyll has been able to produce higher efficiency values of chlorophyll were substituted.
Keyword: Hydrothermal, ZnO/Chlorophyll modified, Hybrid Solar Cell