Platform lending or online lending, sometimes called peer-to-peer (P2P) lending, arose due to the digital revolution to meet people's requirements for simple fund borrowing. It quickly became an ...alternative to other traditional lending techniques, for example, loans banks. Along with the growth of P2P lending, several academics have investigated how information technology is used in financial services, emphasizing extended application methods. This study proposes an enhanced technology acceptance model (TAM) that investigates how consumers embrace P2P lending platforms by using quality of service and perceived risk as drivers of trust, relative advantage and compatibility as drivers of perceived usefulness. For the purpose of this study, we created a questionnaire, distributed it to clients of P2P lending platforms and fintech services in general in cities in Java, Indonesia. We received 290 replies to our questionnaire. The data was analyzed to test the hypotheses using structural equation modeling (SEM). The findings show that consumers' trust, relative advantage, perceived usefulness, and perceived ease of use in P2P lending platforms substantially affect their views toward adoption. The research's findings are useful for fine-tuning platform marketing strategies and putting strategic goals into action.
The adoption of digital technology in the construction industry is required to improve project performance. The aim of this research is to evaluate schedule performance improvement using the IoT ...platform and to propose a new Chief-Screen 1.0 model. The Value Engineering method combined with qualitative analysis using NVivo software is used. The research involved group interviews with 27 respondents from the construction industry, and interviews with four experts related to the project case study. The results of the IoT platform evaluation show that it improves schedule performance by 29.5%, by helping users to collect data and undertake information exchange with optimal processes, efficiency and improvement in validity. IoT platform users are more productive, as they have more time to identify problems and find solutions. The use of IoT can improve schedule performance from the weakness of fast-tracking acceleration and balanced matrix organization. Chief-screen 1.0 is a platform to omit digital technology disruption in the construction industry.
This study presents an investigation on the role of temperature on the failure of diffusion-bonded Aluminium and Nickel. During diffusion bonding processes, where the bulk materials is subjected to ...join at the temperature of 300 K, 500 K, and 700 K with pressure of 10 MPa for 200 ps, the applied temperature is significantly influencing the final result of diffusion-bonded Al-Ni both in term of qualitative analysis (diffusion behaviour) and quantitative calculation (concentration distribution). In this case, as the temperature increased, the thickness of the interfacial region/diffusion zone is increased. However, when it is subjected to tensile test, the applied temperature is only has a significant impact to the ultimate tensile strength, that as the temperature is increased the ultimate tensile strength is decreased, but the applied temperature during diffusion welding is not influencing both time and strain value of the sample when it starts to failure.
Repong Damar is a form of hereditary since the days of the Dutch colonial government owned by the Krui Lampung people in the West Coast. Repong damar functions as a buffer zone in the Bukit Barisan ...Selatan National Park. The flagship product from Non-Timber Forest Products (NTFPs) in Indonesia found in Krui Pesisir Barat is Damar Mata cat (Shorea javanica). The management and use of resin repong can cause various types of plants. Damar reong found in the Regency of Pesisir Barat has very important benefits for life, and therefore it is necessary to act as a preservation effort for this repong damar to remain sustainable and continue to grow. One of the efforts made is to analyze the diversity of tree species that are in the resin dunk. This study aims to determine the diversity of tree species in the Central Pongir Pongon Repong Pahmungan and Tenumbang Pekon Coastal Equipment and to compare the diversity of tree species in the Central Pekon Pahmungan and South Pekon Tenumbang Pekon Coastal Areas. This research was conducted in August-September 2019 which is located in two locations, namely Tenumbang Pekon, Pesisir Selatan District and Pahmungan Pahmungan Tengah Pesisir Tengah District, Pesisir Barat District. The method used to determine the diversity of tree species using the plot line method where the determination of the plot starting point is done by Systematic sampling with random sampling. Analysis of the data to be used is the relative density (KR), relative frequency (FR), and relative closure area (CR). Importance Value Index (INP) = KR + FR + CR (Indriyanto, 2006). The Diversity Index used is the Shanon Wiener Diversity Index (H '). The results of the research that have been carried out there are 28 species of trees found in Pahonungan Pahmungan, Central Pesisir Tengah and 32 species found in Tenumbang Pekon, Pesisir Selatan District and Diversity of tree species in Pahonungan Pekm Tengah, Pesisir Tengah District, 1.86 and Diversity of tree species in Pekon Tenumbang. Pesisir Selatan District at 2.44.
Tulisan ini bertujuan untuk menganalisis konsep dan praktik pendidikan di Indonesia dipandang dari aliran pendidikan yang bervariatif seperti empirisme, progresivisme, pragmatisme, dan sebagainya. ...Tulisan ini merupakan hasil studi literatur dari berbagai referensi baik jurnal maupun buku terkait konsep dan praktik pendidikan di Indonesia dikaitkan dengan aliran pendidikan yang ada tersebut. Data-data atau informasi dari berbagai referensi tersebut dianalisis dengan content analysis. Hasil analisis dari tulisan ini adalah pendidikan di Indonesia sebagai sekelompok komponen yang membentuk suatu sistem pembentuk di dalamnya, diantaranya adalah undang-undang atau kebijakan, tujuan pendidikan, peran siswa dan guru dalam proses pembelajaran. Dua hal penting selain hal penting lainnya yang menjadi penekanan konsep pendidikan yang sudah diimplementasikan pemerintah Indonesia saat ini terkait dengan siswa adalah pembentukan pendidikan karakter dan merdeka belajar
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