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DEVELOPMENT OF MODEL OF CREDIT DISTRIBUTION FOR SMEs TO ANTICIPATE THE DEVELOPMENT OF INFORMAL FINANCIAL INSTITUTIONS (Case Study: In SMEs in Deli Serdang District) Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA Vol 2 (2018): DEVELOPMENT OF MODEL OF CREDIT DISTRIBUTION FOR SMEs TO ANTICIPATE THE DEVELOPMENT OF
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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The classic problem that cannot be denied and that continually plagued some Small and Medium Enterprises (SMEs), is the problem of capital, which resulted in not maximally expected goals. Some qualified SMEs can use Banking services to meet their business capital needs and not many SMEs also uses informal financial institutions in this case are moneylender services for their business capital, although we know that the set interest rate is relatively higher than Bank, but because the procedures and requirements are easier then some SME actors use informal financial institutions or moneylender service. This study aims to provide input and development of the most relevant credit channel model that can assist some SMEs in fulfilling their business capital in Deli Serdang Regency, and it is expected that the government and other stakeholders should focus on solving the problem. However, the SME sector is one of the supporters of economic growth in an area, especially in Deli Serdang Regency. This research uses Research and Development (R & D) method. Data collection techniques in general using field study with the dissemination of the instrument (questionnaire) research to the sample in this case SMEs in Deli Serdang District. Data analysis Research instruments that have been collected will be analyzed using descriptive analysis method. Of the only 70 entrepreneurs who were respondents, only 10.9% believed that the capital owned was sufficient to develop the business, 64.6% said they still need an injection even though they have and 24.6%, even said the capital injection is a very urgent need for the sake of continuity of his business.

PENGARUH NON PERFORMING LOAN (NPL) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PROFITABILITAS (ROA) PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA No 8 (2011): PENGARUH NON PERFORMING LOAN (NPL) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PROFITABIL
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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Tujuan dalam penelitian ini adalah untuk mengetahui dan menganalisis apakah ada pengaruh antara Non Performing Loan (NPL) dan Capital Adequacy Ratio (CAR) baik secara parsial maupun simultan terhadap Profitabilitas (ROA) pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI).Pendekatan yang dilakukan dalam penelitian ini adalah pendekatan kuantitatif dan asosiatif. Populasi dalam penelitian ini adalah seluruh perusahaan perbankan yang terdaftar di BEI yaitu berjumlah 31 perusahaan. Sedangkan sampel dalam penelitian ini adalah bejumlah 13 perusahaan. Variabel independen dalam penelitian ini terdiri dari Non Performing Loan (NPL) dan Capital Adequacy Ratio (CAR), sedangkan varibel dependen nya adalah Profitabilitas (ROA).Teknik pengumpulan data dalam penelitian ini adalah dengan menggunakan teknik dokumentasi. Sementara itu teknik analisis yang digunakan adalah regresi linier berganda, uji asumsi klasik, uji hipotesis (uji t dan uji F) dan koefisien determinasi. Pengolahan data dalam penelitian ini menggunakan program Software SPSS (Statistic Package for the Social Sciens) 20 for windows.Hasil dari penelitian ini membuktikan bahwa Non performing Loan (NPL) secara parsial berpengaruh terhadap Return On Asset (ROA). Namun Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Ruturn On Asset (ROA). Sedangkan secara simultan penelitian membuktikan bahwa Non Performing Loan (NPL) dan Capital Adequacy Ratio (CAR) berpengaruh terhadap Return On Asset (ROA) pada perusahaan perbankan yang terdaftar di BEI.

Porter’s Five Force Model For Superiority Of Micro Small And Medium Enterprises (Sme’s) In Face The Asean Economic Communiy (Mea) Julita UMSU; Nel Arianty
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA Vol 4, No 2 (2016): Prosiding Jurnal Pajak dan Bisnis
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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This study aims to provide input and an effective way for SMEs in order to have a competitive advantage, especially in the face of the MEA, it is necessary for the existence of a strategy to create competitive advantage in the era of MEA. Many strategies to create competitive advantage and one of them is Porter's Five Forces. This study uses research and development. Respondents in this study is small and medium businesses (SMEs) in the district of Deli Serdang. Data collection techniques using questionnaires and interviews / structured interviews and data analysis techniques using descriptive analysis techniques. The results showed that the model of five forces porter that include competition among similar companies, the threat of new entrants, the threat of substitute products, bargaining power of buyers and bargaining power of suppliers is still included in the category enough or moderate, it indicates the presence of obstacles or problems faced by SMEs in Regency Deli Serdang.Disamping five forces model of porter, the addition of the supporting indicators of the ability of innovation and technology as well as the government's attention is also included in the category enough or moderate, it indicates that the supporting indicators are still facing obstacles or problems.Keywords: Porter's Five Force, SMEs, MEA

PORTER’S FIVE FORCE MODEL FOR SUPERIORITY OF MICRO SMALL AND MEDIUM ENTERPRISES (SME’s) IN FACE THE ASEAN ECONOMIC COMMUNIY (MEA) Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA Vol 10, No 3 (2019): PORTER’S FIVE FORCE MODEL FOR SUPERIORITY OF MICRO SMALL AND MEDIUM ENTERPRISES
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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This study aims to provide input and an effective way for SMEs in order to have a competitive advantage, especially in the face of the MEA, it is necessary for the existence of a strategy to create competitive advantage in the era of MEA. Many strategies to create competitive advantage and one of them is Porter's Five Forces. This study uses research and development. Respondents in this study is small and medium businesses (SMEs) in the district of Deli Serdang. Data collection techniques using questionnaires and interviews / structured interviews and data analysis techniques using descriptive analysis techniques. The results showed that the model of five forces porter that include competition among similar companies, the threat of new entrants, the threat of substitute products, bargaining power of buyers and bargaining power of suppliers is still included in the category enough or moderate, it indicates the presence of obstacles or problems faced by SMEs in Regency Deli Serdang.Disamping five forces model of porter, the addition of the supporting indicators of the ability of innovation and technology as well as the government's attention is also included in the category enough or moderate, it indicates that the supporting indicators are still facing obstacles or problems.

PENGARUH MOTIVASI, KNOWLEDGE OF ENTREPRENEURSHIP DAN INDEPENDENSI TERHADAP THE ENTREPRENEUR’S PERFORMANCE ( Studi Kasus Pada UKM di Kota Medan ) Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA 2013: PENGARUH MOTIVASI, KNOWLEDGE OF ENTREPRENEURSHIP DAN INDEPENDENSI TERHADAP THE ENTREPRENEUR’S
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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The purpose of this researchis to determine the relationship between corporate motivation,entrepreneurs knowledge and corporate independent and the performance of entrepreneur. A survey was conducted at the small industry in Medan town, with a sample of 45 selected randomly.The research conclutdes that there are positive correlation between : 1) the corporate motivation and the performance of entrepeneur, 2). The entrepreneurs knowledge and the performance of entrepeneur, 3) the corporate independent and the performance of entrepreneur there is not positive correlation between, 4) Moreover there is a positive correlation between the corporate of motivation, entrepreneurs knowledge, and corporate independent with the performance of entrepreneurs

PENGARUH PROFITABILITAS DAN TINGKAT PERTUMBUHAN PENJUALAN TERHADAP STRUKTUR MODAL PADA PT.PERKEBUNAN NUSANTARA III (PERSERO) MEDAN Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA PENGARUH PROFITABILITAS DAN TINGKAT PERTUMBUHAN PENJUALAN TERHADAP STRUKTUR MODAL PADA PT.PERKEBUNAN
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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Hasil analisis data menunjukkan bahwa hasil penelitian menyatakan bahwa profitabilitas dan tingkat pertumbuhan penjualan tidak berpengaruh signifikan terhadap struktur modal secara simultan pada PTPN III (Persero) Medan tahun 2008-2012. Besarnya nilai -nya 0,702. Jika nilai mendekati 1 maka variabel bebas semakin kuat pengaruhnya terhadap variabel dependen. Hal ini menunjukkan besaran pengaruh variabel profitabilitas dan tingkat pertumbuhan penjualan adalah sebesar 0,702 atau 70,2% dan sisanya sebesar 29,8% dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini.

Porter Generic Model Strategy for Micro, Small and Medium Enterprises (MSMs) in Dealing with ASEAN Economic Community (AEC) – (Case Study Deli Serdang Regency, North Sumatra –Indonesia) Julita Julita, S.E., M.Si; Nel Arianty Nel Arianty, S.E., M.M
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA Vol 8, No 30 (2016): Porter Generic Model Strategy for Micro, Small and Medium Enterprises (MSMs) in
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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Indonesia has entered a new phase with partners in the neighboring countries, especially ASEAN members, namely ASEAN Economic Community (AEC) on December 31, 2015. One of the main pillars of AEC is free flow of goods, trade in goods in 2015 is conducted freely without barriers, both tariff and non-tariff. AEC implement schemes Common Effective Preferential Tariff (CEPT) that have previously been applied when the ASEAN Free Trade Area (AFTA), namely gradual tariff reductions made for certain types of goods carried in the timeframe that has been agreed. This study aims to find out the problems that often hinder the development of SMEs in Deli Serdang Regency in competitive advantage, especially in the face of the AEC, it is necessary for the existence of a strategy to create competitive advantage in the era of AEC. Many strategies to create competitive advantage and one generic strategy Porter. This strategy gives success in the company so that researchers want to adopt Porter generic strategies for MSMEs, especially in Deli Serdang. Objects in this study is micro, small and medium enterprises in the district of Deli Serdang. Data collection techniques using questionnaires and interviews / structured interviews and data analysis techniques using descriptive analysis techniques. The results showed that the strategy porter through indicators five forces porter that include competition among similar companies, the threat of new entrants, the threat of substitute products, bargaining power of buyers and bargaining power of suppliers is still included in the category enough or moderate, it indicates the presence of obstacles or problems faced by SMEs in Deli Serdang. Besides indicators porter five forces, the addition of the supporting indicators of the ability of innovation and technology as well as the government's attention is also included in the category enough or moderate, it indicates that the supporting indicators are still facing obstacles or problems.

PENGARUH NET PROFIT MARGIN DAN RETURN ON INVESTMENT TERHADAP STRUKTUR MODAL PADA PERUSAHAAN ASURANSI YANG TERDAFTAR DI BURSA EFEK INDONESIA Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA Vol 8, No 1 (2007): PENGARUH NET PROFIT MARGIN DAN RETURN ON INVESTMENT TERHADAP STRUKTUR MODAL PADA
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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Struktur modal merupakan salah satu cara perusahaan untuk mengetahui sumber-sumber modal yang diperoleh perusahaan apakah melalui modal asing ataupun modal sendiri. Hal ini dilakukan agar perusahaan dapat menentukan struktur modal yang optimal guna mencapai tujuan perusahaan. dalam menentukan struktur modal, ada beberapa faktor yang harus dipertimbangkan diantaranya yaitu profitabilitas.Penelitian ini adalah pendekatan asosiatif. Populasi dalam penelitian ini sebanyak sepuluh perusahaan asuransi sedangkan sampel yang digunakan dalam penelitian ini juga memakai seluruh populasi yaitu sepuluh perusahaan asuransi, dan pengamatan dilakukan selama empat tahun yaitu mulai dari tahun 2008, 2009, 2010, dan 2011. Variabel independen yang digunakan dalam penelitian ini terdiri dari Net Profit Margin (NPM) dan Return On Investment (ROI), sedangkan variabel dependen adalah Debt to Equity Ratio (DER)Hasil analisis data menunjukkan bahwa hasil penelitian yang dilakukan ternyata tidak ada pengaruh signifikan antara Net Profit Margin, Return On Investment terhadap struktur modal secara parsial dan simultan pada perusahaan asuransi yang terdaftar dibursa Efek Indonesia tahun 2008-2011. Besarnya nilai R-Square adalah 0.091. Jika R-Square mendekati 1 maka variabel bebas semakin kuat pengaruhnya terhadap variabel dependen. Hal ini menunjukkan besaran pengaruh variabel profitabilitas adalah sebesar 0.091 atau 9.1% berarti pengaruh variabel lain yang tidak diteliti dalam penelitian ini sebesar 90.9%. Maka dapat disimpulkan kemampuan variabel-variabel dalam menjelaskan variasi variabel amat terbatas

ANALISIS KARAKTERISTIK SOSIAL EKONOMI YANG MEMANFAATKAN JASA PEGADAIAN DI KOTA MEDAN Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA 2008: ANALISIS KARAKTERISTIK SOSIAL EKONOMI YANG MEMANFAATKAN JASA PEGADAIAN DI KOTA MEDAN
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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In the preamble 1945 states that the aim of a state is to achieve the righteous and prosperous people. In order to support the great and independent national economy, the economic depelopment needs to get in appropriate order to increase the people’s income and to overcome inbalanced economy and social gap. The government gives some service, protection and welfare as its responsibility, so each people can fulfill their needs to gain the welfare for those people who live in Indonesia. This research made to know the characteristic of social economic people that use the government services such as pawnshop in Medan. It made also to know whether there is a relationship or not between social economic characteristic and service (the amount of money owed) in the pawnshop and to find out the most dominant social economic characteristic in using the pawnshop in Medan. The number of sample in this research is 170 which consist of 17 pawnshop branch offices in Medan. Each office was given a questionnaire for 10 person who used the pawnshop’s service. The tenth person were taken randomly. In findings, the characteristics of social economy that is represented by the income’s factors, the number of families and educations affects the amount of money owed and the most dominat factor of it is the consumer’s income and the numbers of families . The cause is the consumer’s income that regarded as one of the terms which should be asked in having a loan, while the number of families is regarded as another cause of the amount of the money owed. The bigger of the number of families influenced the bigger needs, so that the pawnshop is chosen as the one of alternative ways to fulfil the needs. The most dominant effect given by the social economic characteristic to the amount of money owed is 55,7% and the rest is 44,3 % it is influenced by another factors, such as the guarantee, the limit of time, the interest rate and administration given to the consumers

PENGARUH DEBT TO EQUITY RATIO DAN DEBT TO ASSETS RATIO TERHADAP PROFITABILITAS PADA PERUSAHAAN TRANSFORMASI YANG TERDAFTAR DI BURSA EFEK INDONESIA Julita Julita, S.E., M.Si
KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA PENGARUH DEBT TO EQUITY RATIO DAN DEBT ASSETS RATIO TERHADAP PROFITABILITAS PADA PERUSAHAAN TRANSFOR
Publisher : KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

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Tujuan dari penelitian ini adalah untuk mengetahui apakah ada pengaruh antara Debt to Equity Ratio dan Debt to Asset Ratio baik secara parsial maupun simultan terhadap Profitabilitas pada perusahaan Transportasi yang terdaftar di Bursa Efek Indonesia. Pendekatan yang dilakukan dalam penelitian ini adalah asosiatif. Populasi dalam penelitian ini adalah Perusahaan Transportasi yang terdaftar di Bursa Efek Indonesia (BEI) yang berjumlah 19 Perusahaan Transportasi, sedangkan sampel yang memenuhi kriteria dalam penarikan sampel untuk penelitian ini adalah berjumlah 10 Perusahaan Transportasi.Variabel independen yang digunakan dalam penelitian ini terdiri dari Debt to Equity Ratio dan Debt to Asset Ratio, sedangkan variabel dependennya adalah Profitabilitas. Teknik pengumpulan data dalam penelitian ini adalah dengan menggunakan teknik dokumentasi, sedangkan teknik analisis datanya adalah dengan menggunakan Asumsi Klasik, Korelasi Sederhana, Korelasi Berganda, Persamaan Regresi Berganda, Uji-t, Uji-f, Koefisien Determinasi. Pengolahan data dalam penelitian ini menggunakan Program Softwear SPSS (Statistic Package for the Social Sciens) 17.00 for windows.Hasil dari penelitian ini membuktikan bahwa Debt to Equity Ratio secara parsial tidak berpengaruh terhadap Profitabilitas dan Debt to Asset Ratio secara parsial berpengaruh terhadap Profitabilitas. Dan secara simultan menyatakan bahwa Debt to Equity Ratio dan Debt to Asset Ratio berpengaruh terhadap Profitabilitas pada Perusahaan Transportasi yang terdaftar di Bursa Efek Indonesia periode 2008-2011

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