Pengaruh Ekspektasi Kinerja Dan Risiko Yang Diterima Terhadap Niat Perilaku Menggunakan Mobile Banking Pada Nasabah Bank Syariah Indonesia Cabang Rantauprapat

Penelitian ini bertujuan untuk menganalisis tentang niat konsumen menggunakan teknologi baru, dengan menguji aplikasi mobile banking. Penelitian ini mengukur hubungan antara ekpektasi kinerja dan resiko yang dirasakan terhadap niat prilaku untuk menggunakan mobile banking. Sampel dalam penelitian ini yaitu nasabah Bank Syariah Indonesia (BSI) cabang Rantauprapat. Penelitian ini merupakan penelitian surve dengan pendekatan kuantitatif. Analisis data dalam penelitian ini menggunakan beberapa langkah, meliputi: uji validitas, uji reliabilitas, uji statistik deskriptif, uji confirmatory, uji outlier, uji struktural equation model, serta pengujian hipotesis. Hasil penelitian ini menemukan bahwa ekspektasi kinerja berpengaruh secara positif terhadap niat prilaku nasabah untuk menggunakan mobile banking. Hasil penelitian juga menemukan bahwa resiko yang diterima juga berpengaruh secara positif terhadap niat nasabah untuk menggunakan mobile banking, yang artinya semakin tinggi resiko yang dirasakan oleh nasabah semakin rendah niat nasabah untuk menggunakan mobile banking, penelitian juga menemukan bahwa niat yang tinggi akan berpengaruh terhadap penggunaan mobile banking

Anti-Cancerous Metabolites and Extracellular Enzyme Production by Endophytic Penicillium and Paecilomyces Strains

Fungal endophytes colonize an important niche within the plants through secretion of secondary metabolites. The metabolites and extracellular enzymes produced by endophytic fungi regulate the growth of the host plant and contribute in defence mechanisms.The medicinal plants Caralluma acutangula and Boswellia sacra were used for the isolation of endophytic fungi. The endophytic fungi were identified as Penicillium citrinum, Paecilomyces variotii, Aspergillus nidulans, Fusarium oxysporum, Epicucum nigram, Penicillium purpurogenum, Penicillium spinulosum, Aspergillus caespitosus, Phoma and Alternaria sp. and were assessed for their potential to produce anti-cancerous metabolites by performing MTT assay and extracellular enzymes such as cellulases, phosphatases and glucosidases in growth media. P. variotii, P. citrinum and F. oxysporum showed significantly higher amount of phosphatases and glucosidases as compared to other strains. Additionally, P. variotii and F. oxysporum showed significantly higher potential of indole acetic acid production (tryptophan-dependent and independent pathways). ACC (1-Aminocyclopropane-1-carboxylate) deaminase results showed that P.citrinum, P. purpurogenum and P. Variotii had shown prominent ACC deaminase activity (300 nmol α- ketobutyrate mg-1h-1). Fluorescence-based MUB (4-methyl umbelliferone) standards were used to analyze the presence of extracellular enzymes glucosidase, phosphatase and cellulase. The bioactive secondary metabolites from endophytic P. citrinum also revealed some prominent results by performing MTT assay on breast cancer cell line (MCF-7). The current study concludes that these fungi are producing bioactive constituents that could provide unique niche of ecological adaptation by symbiosis and greatly contributing to the healthy life of their host plant. However, some of the endophytic fungi offer a great potential to produce anti-cancerous metabolites and extracellular enzymes.