Judul: The influence of financial literacy, and consumptive behaviour on adolescent behaviour in online shopping during Ramadan.
Abstrak: Kemajuan teknologi yang berkembang pesat menawarkan berbagai kemudahan dalam kehidupan, salah satunya berbelanja. Hadirnya platform belanja online memudahkan konsumen memenuhi kebutuhan termasuk pada Bulan Ramadhan. Bulan Ramadhan merupakan momen konsumen mengalami peningkatan belanja. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan perilaku konsumtif terhadap perilaku remaja dalam belanja online di Bulan Ramadhan. Penelitian ini melibatkan 216 remaja yang berusia 18-24 tahun dan pernah melakukan belanja online dalam kurung waktu tiga bulan terakhir sebelum penelitian. Analisis SEM-PLS menunjukkan hanya perilaku konsumtif yang berpengaruh langsung positif terhadap perilaku belanja online di Bulan Ramadhan. Literasi keuangan tidak berpengaruh langsung kepada perilaku belanja online, namun secara tidak langsung berpengaruh melalui perilaku konsumtif. Semakin tinggi literasi keuangan remaja akan menurunkan perilaku konsumtif dan menurunkan perilaku belanja online. Literasi keuangan yang baik, membantu remaja mengelola anggaran belanja sehingga tidak membeli barang diluar kebutuhan., Advances in technology that are growing rapidly in any human life, one of them is in terms of online shopping. It makes it convenience for consumers to fulfill their daily needs especially during Ramadan. Previous research has shown an increase in online shopping during Ramadan. The causes of the increase of Ramadan online shopping need to be investigated. This study was to analyze the influence of financial literacy and consumptive behavior on online shopping behavior on adolescents during Ramadan. This study involved 216 respondents aged 18-24 years who had done online shopping in the last three months. The analysis of the SEM-PLS model shows that only consumptive behaviour has a direct positive effect on online shopping behaviour during Ramadan. Financial literacy does not directly affect online shopping behaviour, but indirectly influences through consumptive behaviour. The higher financial literacy of adolescents will reduce consumptive behavior and decrease online shopping behavior. financial literacy helps adolescents manage their budget so they don't buy things outside their needs.
Keyword: bulan ramadhan, literasi keuangan, perilaku belanja online, perilaku konsumtif

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: Posisi Filogenetik Kura-Kura Carettochelys Insculpta  (Reptillia: Testudinata)
Abstrak: Carettochelys insculpta is an endemic freshwater turtle of southern Papua and northern Australia. Phylogenetic position of this turtle is remain unresolved until now. Most of the research conducted show close relationships of C. insculpta and members of Trionychidae family. However, some of the research show distance between C. insculpta and members of Trionychidae family. This research is conducted to analyze phylogenetic relationship between C. insculpta and other members of Testudinata using 12S rRNA, 16S rRNA, and both gene as markers. DNA samples were obtained from three different organisms of C. insculpta. Two species used as outgroups were Alligator mississippiensis and Iguana iguana. Phylogenetic analysis was carried out using Neighbor-Joining method with Felsenstein 1981 (F81) modeltest. A polytomy tree of Testudinata was produced by using 12S rRNA gene. However, analysis using 16S rRNA and both genes as markers confirmed that C. insculpta was located between the Chelonidae and the Trionychidae family.
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