Judul: The Influence of Financial Literacy, Lifestyle, and Perceptions of Ease on Impulse Buying in E-Wallet Users
Abstrak: Pembayaran non tunai dengan e-wallet terus mengalami peningkatan. Namun perkembangan ini tidak diikuti dengan tingkat literasi keuangan yang memadai. Gap literasi dan inklusi keuangan yang tinggi mengindikasi bahwa banyaknya masyarakat yang menggunakan produk keuangan tanpa memiliki pemahaman dan keterampilan yang cukup atas produk keuangan yang digunakannya. E-wallet hadir dengan tujuan untuk memberikan kemudahan pada penggunanya. Namun kemudahan ini memiliki pengaruh negatif karena mempermudah masyarakat untuk melakukan pembelian impulsif. Oleh karena itu, penelitian ini bertujuan untuk mengidentifikasi tingkat literasi keuangan dan menganalisis pengaruh tingkat literasi, gaya hidup, dan persepsi kemudahan terhadap impulse buying. Pengolahan data pada penelitian ini menggunakan SEM-PLS 4.0. Penelitian ini menggunakan kuesioner yang melibatkan 190 orang responden pengguna e-wallet di Jabodetabek. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan generasi Z yang termasul well literate sebesar 30,5%. Impulse buying dipengaruhi oleh gaya hidup dan persepsi kemudahan. Sedangkan literasi keuangan tidak dapat memengaruhi impulse buying., Chasless payments with e-wallets continuous growth. However, this development was not accompanied by a sufficient level of financial literacy. High levels of financial literacy and inclusion gaps indicated that many individuals were using financial products without having an adequate understanding and skills related products they used. E-wallets were introduced with the aim of providing convenience to their users. However, this convenience had a negative impact as it made it easier for people to make impulsive purchases. The purpose of this research was to identify the level of financial literacy and analyze the influence of financial literacy, lifestyle, and perceived of ease on impulse buying. Processing data in this study used SEM-PLS 4.0. This study used questionnaires of 190 e-wallet users in Jabodetabek. The research results showed that the financial literacy level of Generation Z, which was considered well-literate, was at 30.5%. Impulse buying was influenced by lifestyle, perceived of ease. However, financial literacy did not affect impulse buying.
Keyword: e-wallet, financial literacy, impulse buying, lifestyle, perceived of ease

Judul: The Influence of Shopping Orientation and  Electronic Word of Mouth on Impulsive Buying
Abstrak: Perkembangan internet memberikan kemudahan bagi para pengguna untuk menunjang kegiatan sehari-hari termasuk belanja online. Penelitian ini bertujuan untuk menganalisis pengaruh karakteristik responden, orientasi belanja dan E-WOM terhadap pembelian impulsif di e-commerce. Penelitian ini menggunakan pendekatan kuantitatif melalui survei online yang melibatkan 269 responden pengguna e-commerce. Hasil uji korelasi menunjukkan bahwa usia dan penghasilan berhubungan positif signifikan dengan pembelian impulsif. Hasil uji pengaruh menunjukkan bahwa kesadaran harga, kecenderungan belanja di rumah, loyalitas terhadap merek/toko, dan E-WOM berpengaruh positif signifikan terhadap pembelian impulsif. Akan tetapi, kesadaran waktu berpengaruh negatif signifikan terhadap pembelian impulsif. Oleh karena itu, konsumen perlu meningkatkan kesadaran terkait kebutuhan produk serta membaca ulasan produk sebagai referensi dari konsumen lain sebelum membeli produk sehingga dapat membuat keputusan berdasarkan kebutuhan dan tidak melakukan pembelian secara impulsif., The development of the internet provides convenience for users to support their daily activities, including online shopping. This study aims to analyze the influence of respondent characteristics, shopping orientation, and electronic word of mouth on impulsive buying in e-commerce. This study uses a quantitative approach through an online survey involving 269 e-commerce users. The correlation test results show that age and income have a significant positive correlation with impulsive buying. Furthermore, awareness of prices, tendency to shop at home, loyalty to brands/stores, and E-WOM have a significant positive influence on impulsive buying. However, awareness of time has a significant negative influence on impulsive buying. Therefore, consumers need to increase their awareness regarding product needs and read product reviews as references from other consumers before making purchases. This will help them make decisions based on their needs and avoid impulsive buying.
Keyword: e-commerce, e-wom, gen z, impulsive buying, shopping orientation

Judul: Reaksi dan Titer Antiserum Monoklonal Tomato chlorosis virus (ToCV) terhadap Antigen Virus pada Tanaman Tomat.
Abstrak: Tomato cholorosis virus (ToCV) commonly infects tomato plants worldwide. The virus induces chlorosis disease on the plants and causes significant economic losses. Reverse transcription-polymerase chain reaction is the only method available for ToCV detection. But, currently, a monoclonal-like antiserum was successfully produced using an antigen containing oligo 16 amino acids generated based on ToCV coat protein gene. The aims of the research were (1) to analyze the antiserum reaction to the viral antigen in tomato plant and (2) to measure the titer of the antiserum. Serological reactions were analyzed using agarose gel precipitation test (AGPT) and dot immunobinding assay (DIBA). The titer of the antiserum was measured using undiluted sap prepared from ToCV-infected tomato leaf tissues. Based on the research result, there is no any precipitation of antigen-antibody complex visible on AGPT, and there for, this serological method was not reliable for analyzed serological reaction of the virus. On the other hand, DIBA gave a strong positive signal if the antiserum was reacted with ToCV-containing sap, but there no any positive signal if the antigen extracted from healthy tomato plant. Using this method, furthermore, the titer of the antiserum was reach to 1/10000. The DIBA, therefore, considered as a reliable serological method for the ToCV using this monoclonal antiserum
Keyword: reverse transcription–polymerase chain reaction., dot immunobinding assay, antiserum titer, agarose gel precipitation test