Judul: The influence of Financial Literacy, Product Knowledge, and Impulsive Buying during Online Shopping Festival on Consumer Vulnerability of Paylater User
Abstrak: Perkembangan metode pembayaran paylater dan maraknya festival belanja online menimbulkan peluang terjadinya kerentanan konsumen dan perilaku pembelian impulsif di masyarakat. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, pengetahuan produk, dan pembelian impulsif terhadap kerentanan konsumen pengguna paylater. Desain penelitian menggunakan cross sectional study secara voluntary sampling berjumlah 274 orang pengguna paylater dan pernah menggunakan metode pembayaran paylater selama festival belanja online. Analisis data menggunakan analisis SEM, deskriptif, dan uji korelasi menggunakan LISREL 8.80 dan SPSS versi 25. Hasil uji korelasi menunjukkan usia dan status pekerjaan memiliki hubungan positif signifikan dengan pembelian impulsif. Analisis SEM menunjukkan literasi keuangan secara langsung berpengaruh positif signifikan terhadap pengetahuan produk dan memiliki pengaruh negatif signifkan terhadap pembelian impulsif. Pembelian impulsif secara langsung berpengaruh positif signifikan terhadap kerentanan konsumen. Pemerintah dapat berkolaborasi dengan influencer agar memiliki jangkauan lebih luas dalam mengedukasi masyarakat untuk bijak menggunakan metode pembayaran paylater dan mengelola keuangan.
Keyword: consumer vulnerability, financial literacy, impulsive buying, online shopping festival, product knowledge

Judul: Pengaruh Psychological Factors, Financial  Literacy, dan Paylater Misuse terhadap Compulsive Buying
Abstrak: Peningkatan tren belanja online melalui e-commerce di masa pandemi Covid-19 turut didukung dengan perkembangan metode pembayaran digital, salah satunya paylater. Paylater memungkinkan konsumen untuk membeli barang sekarang dan membayarnya kemudian dengan cicilan setiap bulan. Pertumbuhan paylater di Indonesia dapat mendorong perkembangan ekonomi digital dan selaras dengan tujuan pembangunan berkelanjutan (Sustainable Development Goals/SDGs). Namun, apabila tidak dikendalikan, penggunaan paylater justru berisiko memicu perilaku compulsive buying dan meningkatkan jumlah hutang yang dimiliki konsumen. Penelitian ini bertujuan untuk menganalisis karakteristik pengguna paylater di Jabodetabek, menganalisis pengaruh psychological factors dan financial literacy terhadap paylater misuse, dan menganalisis pengaruhnya terhadap compulsive buying. Penelitian ini menggunakan sampel sebanyak 275 responden pengguna paylater di Jabodetabek. Sampel penelitian ditentukan menggunakan metode non-probability sampling jenis convenience sampling dan quota sampling. Selanjutnya, hasil penelitian dianalisis menggunakan analisis deskriptif dan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian ini menunjukkan bahwa psychological factors, financial literacy, dan paylater misuse memiliki pengaruh yang positif dan signifikan terhadap compulsive buying., The increasing trend of online shopping through e-commerce during the Covid-19 pandemic is also supported by the development of digital payment method, one of which is paylater. Paylater allows consumers to buy now and pay later in monthly installments. Paylater growth in Indonesia can encourage the development of the digital economy and is in line with sustainable development goals (SDGs). However, if not controlled, the use of paylaters actually risks triggering compulsive buying behavior and increasing the amount of debt owned by consumers. This research aims to analyze the characteristics of paylater users in Jabodetabek, analyze the influence of psychological factors and financial literacy toward paylater misuse, and analyze its influence toward compulsive buying. The sample of this research was 275 respondents of paylater users in Jabodetabek. The research sample was determined using the non-probability sampling method, types convenience sampling and quota sampling. Furthermore, the research results were analyzed using descriptive analysis and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results of this research show that psychological factors, financial literacy, and paylater misuse have a positive and significant effect on compulsive buying.
Keyword: compulsive buying, paylater, SDGs, SEM-PLS

Judul: Anatomi Otot Daerah Bahu dan Lengan Atas Badak Sumatera (Dicerorhinus sumatrensis)
Abstrak: The study was aimed to observe the muscle anatomy of the shoulder and upper arm region of the Sumatran rhino, including their origins and insertions in order to describe the functions of the muscles and compare with other animals. This study was used one samples of Sumatran rhino preserved in 10% formaline. The muscles were observed macroscopically after the skin was incised and opened. The origins and insertions of the muscles were determined by dissecting the fascia and the muscles. The name of muscles based on Nomina Anatomica Veterinaria (ICVGAN 2005) and results were documented by photograph. The muscles found in shoulder and upper arm region were the trapezius, brachiocephalicus, latissimus dorsi, serratus ventralis, supraspinatus, infraspinatus, teres minor, subscapularis, rhomboideus, superficial pectoral, deep pectoral, teres major, deltoideus, triceps brachii, tensor fascia antebrachii, coracobrachialis, biceps brachii, and brachialis. The results showed that generally the Sumatran rhino’s muscles were quite similar to that of a pig, horse, and babirusa. However, there were differences in muscle structure especially in the rhomboideus, serratus ventralis, superficial pectoral, deep pectoral, deltoideus, infraspinatus, and biceps brachii muscles. The differences were related to the adaptation of Sumatran rhino’s large body and their behavior.
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