Thank you for the explanation...
1. Yes, I mean the value of ##I_0## is ## 9.8 \times 10^{-8}## A.
2. I am sorry, the value of ##Vt## is ##1.38 V##.
3. I think, if I'm not mistaken, I can use the second equation if the PV is coupled with a resistor. So, the second equation is ##V=I * R##...