This research aims to examine the influence of Financial Knowledge and Financial Attitude toward Financial Satisfaction with Financial Behavior as an intervening variable. This research was conducted on a sample coming from the workforce in Jakarta, Indonesia. The method of sampling is purposive sampling. The sample amounted to 450 respondents through spreading a questionnaire to labor directly and indirectly via online through the Google questionnaire section. The Data processed using SmartPLS 3.0.

The purpose of this study is to

Abstract− Coral reefs are important because of their high biodiversity and their key role in the tropical marine biosphere. Furthermore, coral reefs are very valuable as a socioeconomic resource as they make important contributions to the gross domestic product of many countries. Thus, it is very important to monitor dynamic spatial distributions of coral reefs and related habitats dominated by coral rubble, dead coral, and bleached corals. Despite these natural and socio-economic advantages, many factors are threatening coral reefs. The study site was selected in Spermonde archipelago, South Sulawesi, Indonesia because this area is included in the Coral Triangle, recognized as the epicenter of coral diversity and a priority for conservation. Images of Landsat MSS, Landsat TM, Landsat ETM, Landsat ETM+, and Landsat 8 data were used to examine changes in the coral reefs of Suranti Island in the Spermonde Archipelago during forty one years from 1972 to 2013. The image processing includes gap fills, atmospheric corrections, geometric corrections, image composites, water column corrections, unsupervised classifications, and reclassifications. Fill Gap processing was done on Landsat ETM+ SLC-off. Subsequently, a multi-component change detection procedure was applied to define changes. Shallow water bottom types classification was divided into live coral, rubble and sand habitats, dead coral with algae, rubble, and sand. Preliminary results showed significant changes during the period 1972-2013 as well as changes in coral reefs, likely explained partly by destructive fishing practices.

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In principle, the main construction of the non-engineered building in Indonesia is the wooden structure. It can be seen from traditional houses in Indonesia. However, In the last two centuries, the use of brick masonry as wall component has been becoming the primary material. Another side, some places in Indonesia are the seismic areas and earthquake-prone areas. Learning from the earthquake that has happened in the last ten years, the building that used clay brick for masonry wall mostly suffered damage and destruction when subjected to a relatively high intensity of the earthquake. This paper used data from several places and some references. There have significant differences in the mechanical properties of the bricks. Generally, Indonesian bricks masonry have limited capability and substantial differences in the mechanical properties when compared to another country bricks. By the considering, the Indonesian bricks masonry that has low mechanical properties, so that it is proposed to use brick masonry to non-seismic only. It should be considered to use clay brick as the main component of the wall for a particular region in Indonesia. Next, the zoning of allowed masonry structure in Indonesia is proposed.