Judul: The Influence of Motivation, Product Knowledge  and Self-Efficacy Towards Consumer Vulnerability of Credit Card Users
Abstrak: Pada tahun 2019, Yayasan Lembaga Konsumen Indonesia (YLKI) telah menerima 106 kasus pengaduan perbankan dengan 15,09% pengaduan bank mengenai kartu kredit. Pengaduan konsumen mengindikasikan adanya kerentanan konsumen. Kerentanan konsumen merupakan keterbatasan konsumen dalam asimilasi dan akses informasi sehingga rentan terhadap praktik tekanan pelaku usaha yang curang sehingga konsumen berpeluang mengalami risiko kerugian. Tujuan penelitian ini adalah untuk menganalisis pengaruh motivasi, pengetahuan produk dan efikasi diri terhadap kerentanan konsumen pengguna kartu kredit. Desain penelitian ini adalah cross sectional study. Pengambilan data dilakukan bulan Maret hingga April 2021 selama tiga minggu. Data diperoleh menggunakan kuesioner online dengan 205 responden. Analisis data menggunakan metode SEM melalui software LISREL 8.80. Hasil penelitian menunjukkan motivasi penggunaan kartu kredit responden, pengetahuan produk terkait kartu kredit, efikasi diri penggunaan kartu kredit dan kerentanan konsumen pengguna kartu kredit berada pada kategori sedang. Hasil penelitian menunjukkan kerentanan konsumen yang terdiri dari dimensi akses informasi, tekanan pelaku usaha dan risiko kerugian dipengaruhi oleh motivasi dan efikasi diri tetapi tidak dipengaruhi oleh pengetahuan produk. Motivasi dan efikasi diri berpengaruh positif terhadap seluruh variabel., In 2019, Yayasan Lembaga Konsumen Indonesia (YLKI) received 106 cases of bank complaints with 15,09% of bank complaints related to credit cards. Consumer complaints indicate consumer vulnerability. Consumer vulnerability is the limitation of consumers in assimilation and access to information so that they are vulnerable to fraudulent business pressure practices so that consumers have the opportunity to risk losses. The purpose of this study was to analyze the influence of motivation, product knowledge and consumer vulnerability to credit card users. The design used in this study was a cross sectional study. Data was collected from March to April 2021 for three weeks. The data was collected by using an online questionnaire with 205 respondents. Data analysis using SEM method through LISREL 8.80 software. The results showed that the respondents' motivation to use credit cards, credit card related product knowledge, self-efficacy of credit card use and consumer vulnerability of credit card users were in the ii medium category. The results showed that consumer vulnerability which consists of dimensions of access to information, seller pressure and risk of loss is influenced by motivation and self-efficacy but is not influenced by product knowledge. Motivation and self-efficacy have a positive effect on all variables.
Keyword: Access to Information, Consumer Vulnerability, Credit Cards, Risk of  Loss, Seller Pressure

Judul: Pengaruh Literasi Keuangan, Inklusi Keuangan Dan Pengetahuan Produk Terhadap Kerentanan Konsumen Pengguna Bank Keliling
Abstrak: Fenomena bank keliling merupakan hal yang tidak dapat terlepas bagi masyarakat Indonesia yang tidak memiliki akses terhadap ekonomi. Namun, tanpa disadari penggunaan bank keliling menjadi terjebak dalam lingkaran hutang. Hal ini membuat konsumen mengalami kerentanan karena menjadi ketergantungan. Penelitian ini bertujuan untuk mengidentifikasi karakteristik pengguna jasa bank keliling, menganalisis hubungan karakteristik responden terhadap kerentanan konsumen, dan menganalisis pengaruh literasi keuangan, inklusi keuangan dan pengetahuan produk terhadap kerentanan konsumen. Penelitian ini menggunakan metode mix methods yaitu kuantitatif dan kualitatif. Penelitian kuantitatif dengan teknik snowball sampling melalui wawancara tatap muka sebanyak 70 konsumen pengguna jasa bank keliling. Penelitian kualitatif dengan wawancara mendalam pada 5 responden pengguna jasa bank keliling. Analisis data dilakukan dengan analisis deskriptif dan statistik menggunakan aplikasi IBM SPSS 25.0. Hasil penelitian ini menemukan bahwa tingkat literasi keuangan, inklusi keuangan dan kerentanan konsumen pengguna jasa bank keliling berada pada kategori rendah. Sebaliknya, tingkat pengetahuan produk berada dalam kategori tinggi. Pendapatan keluarga memiliki hubungan signifikan positif dengan literasi dan inklusi keuangan. Literasi keuangan memiliki hubungan signifikan positif dengan inklusi keuangan dan pengetahuan produk. Hasil penelitian uji regresi menunjukkan tidak adanya hubungan antara literasi keuangan, inklusi keuangan dan pengetahuan produk terhadap kerentanan konsumen., The phenomenon of mobile banking is something that cannot be separated from the Indonesian people who do not have economic access. However, without realizing it, the use of mobile banks becomes trapped in a debt cycle. This makes consumers vulnerable because they become dependent. This study aims to identify the characteristics of mobile bank service users, analyze the relationship between sample characteristics and consumer vulnerability, and analyze the effect of financial literacy, financial inclusion, and product knowledge on consumer vulnerability. This research uses mixed methods, namely quantitative and qualitative. Quantitative research using the snowball sampling technique through face-to-face interviews with as many as 70 consumers who use mobile bank services. Qualitative research with in-depth interviews with 5 respondents who use mobile bank services. Data analysis was performed by descriptive and statistical analysis using the IBM SPSS 25.0 application. The results of this study found that the level of financial literacy, financial inclusion, and consumer vulnerability of mobile bank service users were in a low category. In contrast, the level of product knowledge is in the high category. Family income has a significant positive relationship with financial literacy and inclusion. Financial literacy has a significant positive relationship with financial inclusion and product knowledge. The results of the regression test showed that there was no relationship between financial literacy, financial inclusion, and product knowledge on consumer vulnerability.
Keyword: consumer vulnerability, financial inclusion, financial literacy, product knowledge

Judul: Hydrothermal Synthesis of Biphasic Calcium Posphate
Abstrak: Biphasio calsium phosphate (BCP), which was a mixture of hydroxypatite (HA) and tricalcium phosphate (TCP), was synthesized by hydrothermal method followed by sintering process. Hydroxyapatite was produced by using natural calcium source CaO from hen's eggshell and (NH4)2HPO4 as phosphate souce, other hydroxyapatite sample was produce by using synthetic calcium source Ca(OH) and H3PO4 as phosphate source.
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