This research aimed to know the effect of fintech to students' lifestyle in Pekalongan City. The subjects of this study were 100 university students who were 18-22 years old. The data were collected using interview and questionnaire. The data analysis of this research using descriptive statistical analysis. The result of this research showed that the decision to take a lending online or not is influenced by several reasons. There were 47% of students use PTP Lending to fulfill their desires not their needs. Electronics are the items most bought from the loan money.

The techno economic modeling of dried black potato (Plectranthus rotundifolius) was studied by employing electrical cabinet oven. The parameters investigated were including parameter obtained from analysis of capital budgeting, breakeven point and financial ratio of rentability. The obtained payback period was 2 years 11 months by investing 53.000.000 rupiah for machinery and 10.000.000 rupiah for start-up cost as initial capital. By assuming 10 years of dried black potato production, the value of net present value was equal to 1.207.982.611 rupiah. The value of gross profit margin and net profit margin were 0.97 and 0.87, respectively. Regarding to the positive value of net present value, the lower payback period value, and the high value of internal rate of return (74.47%) and also the profitability index (20.17), the modeling of techno economic was positively recommending the commercial application of dried black potato by using electrical cabinet oven.

This work proposed a study of a direct enzymatic of vanillin formation by using rumen liquid which has enzymatic capability for tissue disruption of vanilla green pods to avoid the curing process. Application of enzymes during the formation of vanilla aromas and its extraction present nice opportunity to improve productivity, as the enzymatic reaction possibly substitute the microbial process in the traditional fermentation. Green vanilla pods were applied for the direct enzymatic extraction of vanillin, while liquid rument provide cell wall degrading enzyme in order to support the hydrolysis process (destruction) of cell wall. Glucovanillin were contacted with the β-glucosidase in the green pods due to the desruction of the cell wall, followed by the formation of glucovanillin into vanillin. Vanillin content of vanilla green pods was found higher in which by treating the vanilla green pods at 30 °C.