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Kota medan,
Sumatera utara
INDONESIA
Ekonomi dan Keuangan
Published by Universitas Sumatera Utara
ISSN : 23033625     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi dan Keuangan adalah jurnal yang mempublikasi karya ilmiah yang berupaka hasil penelitian, kajian pustaka dan hasil pembuatan model yang berkaitan di bidang ilmu ekonomi, keuangan, moneter, fiskal, regional dan ekonomi Islam.
Arjuna Subject : -
Articles 158 Documents
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PERANAN PERBANKAN SYARIAH TERHADAP PENGEMBANGAN BAITUL MAL WAT TAMWIL (BMT) DI KOTA MEDAN Danu Ramadhan; Haroni Doli H. Ritonga
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aims to determine how large the influence of Islamic Bank system on the development of BMT in Medan and the problem that facing BMT which made them hard to develop. The method used in this study  is descriptive method of analysis by the method of collecting data and explain it with words that occur in accordance with the field, resulting in the conclusion. Techniques of data collection by distributing questionnaires in five BMT Medan city with a population of 50 BMT. From the analysis it can be concluded that the most of Islamic Bank a place to save money, especially in the form of savings mudharabah and wadi'ah greater than finance especially in Mudharabah, Musyarakah and services of Islamic Financial Institution. The next results of problem the internal BMT in the city of Medan is capital, product and the non perfoming loan and then the external problem is the existence of loan sharks are cause slow growing of BMT.
STUDI TENTANG KEPUTUSAN NASABAH DALAM MENABUNG DI BANK SUMUT CABANG USU MEDAN METODE ANALYTICAL HIERARCHY PROCESS (AHP) Adli Nazrian; Paidi Hidayat
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this study is to find out what are the driving factors of customers to deposit their money in Bank Sumut. The driving factors that analyzed in this research are availability of products, location, security,promotion, and the credibility of the bank. This research used primary data that collected through questionnaires distributed to 100 Bank Sumut customers. The research uses descriptive analysis and Analytical Hierarchy Process (AHP). The result of the research shows that the driving factors of customers to save in Bank Sumut ordinarily are  availability of  products,  locations, security,  credibility  of the bank and promotion. 
ANALISIS PERILAKU MASYARAKAT MUSLIM TERHADAP PENGGUNAAN KARTU KREDIT DI KOTA MEDAN Ahman Fadlan; Irsad Lubis
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT This research was conducted aiming to determine how a Muslim to use a credit card in the City of Medan. In this research, the problems research, namely: How does the behavior of the Muslim of public  towards the use of credit cards  in the City of Medan - What are  the booster of the Muslim of public in the City of Medan decided to use a credit card - Whether a  relationship  between the among  the many  places of modern  shopping  behavior  of the Muslim of pulic  in the use of credit cards  in the City of Medan. The method used in this research is the analysis method descriptive. Engineering data was collected by interview and questionnaires were distributed to Muslim of public in the City of Medan with a total sample of 60 people. After the data are collected, then the authors calculate and add up the total response of all respondents surveyed, to be in percentages (%) in order to draw conclusions.From the results of this research concluded that the majority of the Muslim of public  in the City of Medan  to use a credit card only as needed, although most of those who  use them  fixed  answering,  if  a credit card can make  a person's  nature  to lead to wasteful  or consumptive  behaviors.  Flexibility and  practicality  credit card to make  the payment process which, being  the strongest reason  for the people  of Medan Muslims  to own and use a credit card.
PENGARUH PENCANTUMAN LABEL HALAL PADA KEMASAN MIE INSTAN TERHADAP MINAT PEMBELIAN MASYARAKAT MUSLIM (Studi Kasus Pada Mahasiswa Universitas Al-Washliyah, Medan) Yuli Mutiah Rambe; Syaad Afifuddin
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research intends to find out the influence of including the halal lable on the packaging of instant noodles  (Indomie)  to the buying interest in students of the University of Al-Washliyah, Medan as well as to find out the influence of including the halal lable on packaged food products in the mind of students from the University of Al-Washliyah, Medan. The technique of data collection is with collecting the data directly in the research location with questionnaires. The primary data obtained from the questionnaires (statement) lists were processed by using SPSS 17.0 and the hypothesis testing was done by using the product moment formula of Karl Pearson to see the halal lable to the buying interest.  The data analysis performed showed the correlation coefficient of product moment with the symbol rxy  by 0.557, where the level of significance was 0.000, the relation from or influence occured, was positive.  The determinant coefficient of the formation of variable Y to X was 0.311 which means that the variable X gived an influence to the height or lowness of variable Y by 31.1%.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON MUSLIM MENJADI NASABAH BANK SYARIAH MANDIRI DI MEDAN Evi Yupitri; Raina Linda Sari
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this study is to see how big the influence of facilities, promotions and products affect the non muslim community to become a customer Bank Syariah Mandiri. The data used in this research is the primary data is obtained from the division of  a detailed questionnaire to the customer self service rich Islamic Bank on Jl. Jend Achmad Yani no.100 Medan. Sampling method used by researchers is a non probability sampling is a technique where each member of the sample on the take the population has  the same opportunity to become a member of sampling. Sample technique uptake of engineering purposive sampling ( Judgment Sampling ) is The sampling technique based on the assessment of the characteristics of sample members who adjusted with the goal of researchers. Data analysis method used is the rank spearmant test with SPSS 16 tools. Based on the results  factors that most strongly affects non Muslim become cust.omers in Bank Syariah Mandiri is a potent influence 0,370 promotions, both 0,529 products have potent influences and who was last 0,469 facilities had an influence that is.
ANALISIS MINAT MENABUNG MASYARAKAT PADA BANK MUAMALAT DI KOTA KISARAN Dita Pertiwi; Haroni Doli Ritonga
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this research is to know how far service in medium and transaction. As well as the factor of trust and location that influence the people to save their money in Bank Muamalat Kisaran. The second purpose is to know what factor is dominant to push the people to become customers. The data used is primary data and secondary data. The primary data is collected from the chosen respondent in Kisaran who save their money at Bank Muamalat in Kisaran. The questionnaire is answered by 100 respondents that chosen randomly. The secondary one are obtained from Bank Muamalat Indonesia documents, website and other media. The analysis method is descriptive supported using grafic, crossing tabulation, table and frequency.The result indicates customers decide to save because of trust factors relatively dominant in Bank Muamalat Indonesia Kisaran.
POTENSI DAN PERANAN ZAKAT DALAM MENGENTASKAN KEMISKINAN DI KOTA MEDAN Amalia Amalia; Kasyful Mahalli
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

Zakat is one of the alternative solutions to reduce poverty. the results of field studies indicate that the benefits of Zakat is distributed fairly good, but not optimal. although the year-over-year increase zakat but its realization is still less than the potential of the existing zakat. This research was conducted aimed to determine the potential level of relationship and influence the role of zakat to the poor in the city of Medan The method used in this study is the method of Spearman Rank correlation analysis. Data was collected by interview and questionnaires were distributed to District 10 of 21 district in the city of Medan with a total sample of 100 people.Once the data is collected, the authors analyze and interpret resulting conclusions. From the research it can be concluded that most people agree the Medan distribution and utilization of zakat, especially in the form of loans and capital are Qadrul Hasan and accompanied the training and skills provided to increase business progress.
ANALISIS KEBIJAKAN PEMBERIAN KREDIT DAN PENGARUH NON PERFORMING LOAN TERHADAP LOAN TO DEPOSIT RATIO PADA PT. BANK RAKYAT INDONESIA (PERSERO), TBK CABANG RANTAU, ACEH TAMIANG. ( PERIODE 2007-2011) Nurul Fitria; Raina Linda Sari
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

Formulation of the problem in this research is How lending policy applied to PT Bank Rakyat Indonesia (Persero) Overseas Branch, Aceh Tamiang and the influence of non-performing loans (NPL) to loan to deposit ratio (LDR). The purpose of this study was to determine the credit policies were applied, and also find out if non-performing loans significantly affect the loan-to-deposit ratio. The hypothesis in this study is suspected of lending policies that are both based on the theories of credit policy with the principles 5C, and the significant influence of the non-performing loans to the loan-to-deposit ratio. The collection of secondary data obtained through company documents and other reports relevant to this study include: financial statement data for the five years from 2007 to 2011, books, company literature, and other data related with the object of research. The analysis method used is descriptive analysis is used to analyze the credit policy on the first hypothesis and simple regression analysis for the second hypothesis. In the first hypothesis of the study results show that the principle of prudence in lending policy is the principle 5C consisting of: Character, Capacity, Capital, Collateral, Condition. In the second hypothesis test simple regression analysis showed a significant effect of the non-performing loans to the loan-to-deposit ratio.
Peranan Perbankan Bagi Pengembangan Lembaga Keuangan Mikro di Kota Medan Aditya Pramudia; Cokie Ahmad Syawier
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this study was to determine how the role of banks for the development of Microfinance Institutions in Medan and to determine whether financial aid (loans) from banks to Microfinance Institutions have significant effect on increasing profit Microfinance Institutions in Medan. The study was conducted at Microfinance Institute and Banking contained in Medan. The samples used were a total of 18 MFIs and banks of a number of banks and MFIs. Years of observation time series data is the year 2008 up to 2010. This study uses indicators Banking Disbursement as the independent variable (X) and Operating Profit Microfinance Institutions as the dependent variable (Y). The collected data were analyzed by the method of data analysis to prior classical assumption test before testing the hypothesis. Testing the hypothesis in this study using simple linear regression with partial t test with a significance level of 5%. The conclusion of this study is the role that banks have an insignificant role impact on the development of Microfinance Institutions in Medan. It is based on the number of average granting loans to Microfinance Institutions in Medan at 16.88%. Average number of operating profits of Microfinance Institutions just only 13.04%. The results of the t test showed a significance value of 0.715 whichis greater  than the value of alpha at 0,05. The results of the determinant test calculations are only 0.3% of distribution banking funds variable can explain operating  profit of Microfinance Institutions in Medan, while the remaining 99.7% is explained by other variables not included in this research model. Keywords : Role, Banking, MFI, Union, Medan
PERSEPSI MASYARAKAT TERHADAP PENGEMBANGAN KAWASAN EKONOMI KHUSUS SEI MANGKEI SEBAGAI KLASTER INDUSTRI Doriani Lingga; Wahyu Ario Pratomo
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this research is to know the perception of societies to the development of Kawasan Ekonomi Khusus (KEK) Sei Mangkei as a cluster of industry. The analysis conducted in this study is a social-economy method by using 3 dimensions, which consists of the role of KEK Sei Mangkei in the development of social and economic based on investigation on the activity of PT Perkebunan Nusantara III up to now, analysis about the information dan transparency of the development of KEK Sei Mangkei, and analysis about the perception of societies about the development of KEK Sei Mangkei. The analysis is about the perception of societies comprises potency of Sei Mangkei as growth pole, relationship between KEK Sei Mangkei and social life of the societies, relationship between KEK Sei Mangkei and economic life of the societies and general perception. The analysis method uses the descriptive method, by issuing questionaires to 100 respondents surrounding the area.The result of this research shows that the PTPN III plays role in the social and economy development of local societies of Bosar Maligas District. It is realized in absorbtion of local labour and provision of facilities and infrastructures for societies. According to the greater part of respondents, the development of KEK Sei Mangkei which is now going on, is conducted transparently and involves local soceties to participate. In the perception of societies, Sei Mangkei is a potential to be a new economic growth pole by making the area becomes special economic region. They believe that the existence of SEZ Sei Mangkei will increase life standard of local societies of Bosar Maligas District. Almost all respondents agree that the development of KEK Sei Mangkei will give advantage to  progress of societies, especially in increasing of societies’ social-economic standard. To sum up, most of the societies agree with the development of KEK Sei Mangkei with their main expectation that KEK Sei Mangkei will use local labour as employment so the problem of unemployment can be solved. Keywords: Special Economic Zone, industry cluster, development of social and economic, growth pole, labour absorbtion.

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