Judul: Faktor – Faktor yang Memengaruhi Keputusan UMKM dalam Mengambil Pinjaman melalui Peer to Peer (P2P) Lending
Abstrak: Peer to Peer (P2P) Lending atau layanan pinjam meminjam uang berbasis teknologi informasi yang merupakan bagian dari financial technology (fintech) diharapkan dapat menjadi solusi bagi UMKM dalam masalah permodalan. UMKM menunjukan antusiasme terhadap layanan ini, sehingga penelitian ini dilakukan untuk mengidentifikasi karakteristik peminjam, menganalisis proses pengambilan keputusan dan faktor-faktor yang mempengaruhi keputusan UMKM dalam mengambil pinjaman melalui Peer to Peer (P2P) Lending. Pengambilan sampel menggunakan teknik Snowball. Data primer diperoleh dari kuesioner sedangkan data sekunder dari literatur, penelitian terdahulu, jurnal dan internet. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif dan analisis faktor. Hasil penelitian menunjukan terdapat lima faktor yang mempengaruhi keputusan UMKM dalam mengambil pinjaman melalui Peer to Peer (P2P) Lending (1) faktor penilaian konsumen (2) faktor pelayanan (3) faktor produk pinjaman (4) faktor gaya hidup (5) faktor memori. Faktor penilaian konsumen merupakan faktor utama yang mempengaruhi keputusan untuk meminjam.
Keyword: Analisis Faktor, Financial Technology, Keputusan Meminjam, Peer to Peer (P2P) Lending, Usaha Mikro Kecil Dan Menengah (UMKM)

Judul: Analisis Tingkat Kepuasan UMKM Pengguna Model Pembiayaan Peer-to-Peer (P2P) Lending
Abstrak: Peer-to-peer (P2P) lending adalah suatu model pembiayaan berbasis teknologi. Penelitian ini bertujuan untuk menganalisis karakteristik UMKM peminjam dan tingkat kepuasan UMKM terhadap jasa perusahaan peer-to-peer (P2P) lending. Metode yang digunakan dalam penelitian ini adalah analisis deskriptif, Customer Satisfaction Index (CSI), dan Importance Performance Analysis (IPA). Hasil penelitian menunjukkan karakteristik mayoritas peminjam dari penyelenggara peer-to-peer (P2P) lending adalah dengan lama usaha yang dijalankan 1-4 tahun, berdomisili di Jakarta, jenis usaha perdagangan dengan bentuk usaha yang berbasis online dan pendapatan pertahun Rp300 juta - Rp2.5 miliar. Hasil perhitungan Customer Satisfaction Index (CSI) menunjukkan dimana secara keseluruhan peminjam sudah sangat puas (84.86 persen). Atribut yang harus diperbaiki yaitu atribut pada Kuadran I (tingkat bunga, ketepatan waktu proses transaksi, akurasi informasi, jumlah dana pinjaman, kecepatan pihak perusahaan dalam merespon dan memproses keluhan atau masalah yang timbul, kecepatan petugas pelayanan, dan pelayanan yang menyesuaikan dengan keadaan individu).
Keyword: kepuasan, Peer-To-Peer (P2P) Lending, Usaha Mikro Kecil dan Menengah (UMKM)

Judul: Biology and ecology of the buffalo fly, haematobia exigua de meijere (diptera:muscidae)
Abstrak: The life history of the buffalo fly was observed at room temperature of 27°-29.5°C and at a relative humidity of 48-68 percent. The eggs hatched after 17-22 hours, with an average of 18 hours. First instar larvae measured 1.25 + 0.16 mm long and 0.27 + 0.037 mm wide. reach the second larval stage. It took 6-12 hours to the second instar larvae measured 2.676 +0.187 mm long and 0.353 +0.028 mm wide. The second instar took about 12-24 hours to reach the third larval stage. The third instar measured 6.833 + 0.189 mm long and 0.919 + 0.051 mm wide. It took about 2-3 days for the third instar to become pupae. Duration of the pupal stage was about 5-7 days before the adults emerged. Under laboratory condition, the buffalo fly completed its life cycle in 9.5 to 10.5 days, whereas under field condition it took 9-14 days with an average of 10.5 days. The growth ratio which was based on the measurements of the cephalo-pharyngeal skeleton of each instar was 1.797. The preoviposition period was 8-12 days and mating usually occurred on the 6th or 7th day. The longevity of the male was 29 days, whereas it was 32 days in the female. The range of egg production under laboratory condition was between 20-139 per female fly. The belly and hind legs of the carabao were the most preferred habitat either during cloudy and cool dry or shiny and warm day. When the weather was clear and the carabao was in the shade, the flies tended to be more distributed particularly on the shoulder, dewlap, back and horns. The carabaos had relatively fewer Musca sp. and Stomoxys calcitrans than cattle; never the less carabaos had a higher infestation of buffalo fly than cattle. Oviposition occured either during the day or night but the buffalo flies were more active during the night than in the day time. The effect of various lengths of exposure time of manure in relation to the oviposition was profound. observed, the maximum number of the buffalo flies was occurred when the dung was exposed for 30 minutes. With increasing time of exposure the number and variety of insects also increase. It was evident that Sepsidae and psychodidae were the most dominant insects emerging from the dung. The number of buffalo flies also increased with increasing
Keyword: