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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 8 Documents
 1 
Search results for , issue "Vol. 1 No. 2 Januari 2013" : 8 Documents clear
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.
PERSEPSI MASYARAKAT TENTANG GADAI EMAS DI PEGADAIAN SYARIAH CABANG SETIA BUDI MEDAN Meilinda Sari; Ilyda Sudardjat
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The title of this the public perception about pawning gold of Pegadaian Syariah Cabang Setia Budi Medan. The purpose of the research is to determine the extent to which understanding of the public about process of pawning gold to give by Pegadaian Syariah. The data used in this research are primary data and secondary data. The collecting of the primary data is done by giving the questionnaire to the customer of Pegadaian Syariah, while the secondary data are obtained from Pegadaian Syariah, books, literature, internet and others. The analysis method that used in this research is descriptive analysis using SPSS 16,0 version. The result of this research understanding customer’s or community about pawning gold is various. No one understands anyone not understands. But my observation, that has become a permanent customer’s of Pegadaian Syariah understanding about pawning gold to given and they have opinion about how to pawn gold of Pegadaian Syariah very easy and not many requirements. Keywords : Perception, Understanding, Pawning Gold
ANALISIS PERMINTAAN KREDIT PADA USAHA MIKRO DAN KECIL DI KECAMATAN MEDAN JOHOR Taufan Achmad Felna; Wahyu Ario Pratomo
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The aim of this research is to analyze the factors that influencing micro entrepreneurs to ask loan from bank and to analyze the main factors that influencing their income. The data is obtained by direct interview and distributing questionnaires to 30 entrepreneurs in Subdistrict of Medan Johor. This research uses the descriptive method to reveal the profile of microenterprises and it also uses econometric analysis to the important factors to influence the income of entrepreneurs. The result shows that equity, credit and working hours influence entrepreneurs’ income. Keyword: micro enterprises, entrepreneur, entrepreneurship
PERSEPSI ETNIS CHINA TERHADAP PERBANKAN SYARIAH DI KOTA MEDAN Harviz Akbar; Haroni Doli Hamoraon Ritonga
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The growth of syariah bank assets is better than the growth of conventional bank. The growth of syariah bank assets reaches double digits even rerely below 30% in the last 10 years. Even the growth of the total asset of has been able to compete with the level of assets of Islamic bank of Malaysia. This research only focused on China ethnic live in the city of Medan. The aim of this research is to observe what the impact of work, service, promotion and physical evidence of the China ethnic perception on syariah bank of Medan. The respondents of this research are university student, employees, industrialist entreprenuer and other self-employed works. The writer uses primary data obtained from interview, observation and questionnaire. For sample 60 respondent by using non probability methonds of sampling. To procees the data, the writer use Ordinary Least Square.The result of this research is a positive relationship of variables of work, service, promotion and physical evidence on syariah banking in Medan. Keywords: Shariah Banking, Conventional Banking, China Ethnic
ANALISIS DAYA SAING PRODUK EKSPOR PROVINSI SUMATERA UTARA Budi Ramanda Bustami; Paidi Hidayat
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT The purpose of this research are to determine the development of leading export products and to find out how big the competitiveness of export products superior in the province of North Sumatra. Export products studied were 10 northern Sumatran province of superior products based on the Standard International Trade Classification (SITC). The data used in this study is time series data from the years 2000-2010. Data analysis method used is the method of competitive analysis Revealed Comparative Advantage (RCA), Revealed Trade Comparative Advantage (RCTA) and Trade Specialization Index (ISP). The results showed that 10 North Sumatra province superior products with competitiveness different. While there are some excellent products are not competitive or have a weak competitive positions, northern Sumatran province remains to export the products superior.   Keywords: Export, Product Competitiveness
ANALISIS PENGARUH GROWTH OPPORTUNITY, NET WORKING CAPITAL, DAN CASH CONVERSION CYCLE TERHADAP CASH HOLDINGS PERUSAHAAN SEKTOR PERTAMBANGAN William William; Syarief Fauzi
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This Research investigates factors that influence the Cash Holdings level of public listed mining companies. The main aim of this research is to analyze the relationships between Growth Opportunity, Net Working Capital, and Cash Conversion Cycle with Cash Holdings of public listed mining companies. The data used in this research is the data of 18 public listed mining companies in which collected through purposive sampling method by criterions (1) Company with positive equity within 2009-2011 (2) Company with total assets growth below or equal to 100% in period 2008-2011 (3) Company with cash/total assets rasio greater than zero and below than 1 (0 < cash/total assets < 1) in 2009-2011. This research employs panel data regression model due to the data in this research share the characteristic of panel data and fixed effect model (FEM) is believed to be appropriate model because the value of intercept in this research is individually different. With Eviews 7, before conducting the goodness of fit tests, the normality test and redundant fixed effect test is conducted firstly to identify whether the data is normally distributed and to determine the appropriateness of fixed effect model in this research. Finally, the estimation process is conducted to present the results of this research. This study shows that Growth Opportunity, Net Working Capital, and Cash Conversion Cycle simultaneously and partially have significant impact towards Cash Holdings with 95% of confidence level. Furthermore the R-squared coefficient shows that Growth Opportunity, Net Working Capital, and Cash Conversion Cycle can give 88,89%  explanation to Cash Holdings. Keywords:  Growth Opportunity, Net Working Capital, Cash Conversion Cycle, Cash Holdings
ANALISIS ELASTISITAS PERMINTAAN TERHADAP KREDIT KONSUMSI DI SUMATERA UTARA Paulina Putri A. Hutagalung; Inggrita Gusti Sari Nasution
Ekonomi dan Keuangan Vol. 1 No. 2 Januari 2013
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT This research aims to analyze the elasticity of demand for consumer loans in North Sumatra. The variables observed in this study is consumer credit interest rate, Gross Domestic Product (GDP) per capita and the exchange rate of rupiah against the dollar. This research uses time series data for the period 1996-2010, which is a secondary data. The data is sourced from the central bank of Indonesia and North Sumatra Central Bureau of Statistics, The model used in this study is a model of multiple regression equations and analyzed using Ordinary Least Squares (OLS). Based on the estimates, the researh found that the Gross Domestic Product (GDP) per capita and the rupiah exchange rate against the dollar significantly influence credit demand in North Sumatra but consumer credit interest ratenot significantly influence. The elasticity of demand for consumer credit in North Sumatra is inelastic to changes in consumer credit interest rate and the exchange rate of the rupiah against the dollar, but it is elastic to GDP per capita. This means that the demand for consumer loans in North Sumatra are more sensitive to changes in GDP per capita than the changes in interest rates and the exchange rate againstthedollar. Keywords: Elasticity of demand, consumer credit, interest rates, GDP per capita, exchange rate.

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