Judul: Factors Influencing MSE Actors in Saving at KSPPS Benteng Mikro Indonesia. Supervised, Factors Influencing MSE Actors in Saving at KSPPS Benteng Mikro Indonesia. Supervised
Abstrak: Nilai tabungan nasabah KSPPS Benteng Mikro Indonesia (BMI) mengalami peningkatan tahun 2019-2022 saat pandemi Covid-19. Pandemi sebagai indikasi krisis yang dampaknya dirasakan oleh sektor usaha tetapi tabungan dan keanggotaan di KSPPS BMI tetap bertambah.Tujuan penelitian ini untuk mengetahui faktorfaktor yang memengaruhi pelaku usaha mikro dan kecil (UMK) dalam menabung di BMI. Penelitian dilakukan pada Mei–Juni 2023. Metode yang digunakan adalah analisis faktor. Hasil analisis menunjukkan bahwa faktor promosi, pelayanan, kredibilitas lembaga, persepsi, pendapatan, dan lokasi diterima sebagai faktor (MSA>0,5) yang memengaruhi pelaku UMK dalam menabung. keenam factor tersebut diuji dengan rotated component matrix membentuk dua faktor baru, yaitu kredibilitas lembaga, bauran antara kredibilitas lembaga dan lokasi. Lokasi strategis menjadi indikator kredibilitas lembaga, sedangkan promosi dibentuk oleh promosi, persepsi, dan pelayanan., The value of KSPPS Benteng Mikro Indonesia (BMI) customer savings has increased in 2019-2022 during the Covid-19 pandemic. The pandemic is an indication of a crisis whose impact is being felt by the business sector but savings and membership in KSPPS BMI continue to increase. The purpose of this study was to determine the factors that influence micro and small entrepreneurs (UMK) in saving at BMI. The research was conducted in May–June 2023. The method used is factor analysis. The results of the analysis show that promotion, service, institutional credibility, perception, income, and location are accepted as factors (MSA>0.5) that influence MSEs in saving. The six factors are tested using a rotated component matrix to form two new factors, namely institutional credibility, the mix between institutional credibility and location. Strategic location is an indicator of institutional credibility, while promotion is shaped by promotion, perception and service.
Keyword: Factor Analysis, KSPPS, KSPPS BMI, Savings, and MSEs

Judul: The Effect Of Financial Literacy and Demographic Factors on The Decisions of Micro Enterprises in Choosing Microfinance Institutions (MFIs) as A Source of Funding
Abstrak: UMKM memiliki peran penting dalam ekonomi Indonesia dengan kontribusi terbanyak terhadap PDB (60,5%), penyerapan tenaga kerja (96,9%), dan ekspor (15,69%). Hal tersebut memberikan peluang tersendiri bagi Indonesia untuk meningkatan perekonomian dan upaya pencapaian SDGs. Namun, UMKM masih memiliki permasalahan terhadap akses permodalan. Pada tahun 2023 sebanyak 26 juta masyarakat Indonesia belum tersentuh jasa keuangan formal. UMKM dianggap masih unbankable karena literasi keuangannya yang rendah. Indeks literasi keuangan masyarakat Indonesia hanya sebesar 49.68%. Oleh karena itu, penelitian ini bertujuan mengidentifikasi tingkat literasi keuangan usaha mikro di Kecamatan Cibinong dan menganalisis pengaruh tingkat literasi serta faktor demografi terhadap keputusan usaha mikro dalam menggunakan produk pembiayaan di LKM. Metode analisis yang digunakan adalah regresi logistik. Hasil penelitian menunjukkan bahwa sikap keuangan, pendidikan, dan pendapatan berpengaruh signifikan positif terhadap pengambilan keputusan menggunakan produk pembiayaan LKM. Sedangkan, pengetahuan dan perilaku keuangan berpengaruh signifikan negatif., MSMEs have an important role in the Indonesian economy with the largest contribution to GDP (60.5%), employment (96.9%), and exports (15.69%). This provides an opportunity for Indonesia to improve its economy and efforts to achieve the SDGs. However, MSMEs still have problems with access to capital. In 2023, as many as 26 million Indonesians will not be touched by formal financial services. MSMEs are still considered unbankable because of their low financial literacy. The Indonesian people's financial literacy index is 49.68%, meaning that there are still a few Indonesians who have a good level of financial literacy. Using logistic regression method, this study identify the level of financial literacy of micro enterprises in Cibinong District and examined the effect of their level of financial literacy on the decision to use financing products of MFI. The results showed that financial attitudes, education, and income had a significant positive effect on decision making using MFI financing products. Meanwhile, financial knowledge and behavior have a significant negative impact on these decisionst.
Keyword: Consumer Decisions, Financial Literacy, MFI, MSMEs, SDGs

Judul: Embriogenesis ikan buta (Astyanax fasciatus)
Abstrak: Ikan buta Astyanax fasciatus adalah spesies ikan unik dari famili Characidae yang menempati perairan dalam gua di Wilayah La Cueva Chica-San Luis Potasi-Mexico. Ikan ini memiliki mata yang tereduksi (Blind Cavefish) dan warna kulit merah muda, pucat serta mengkilap.
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