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SISTEM INFORMASI ADMINISTRASI PINJAMAN (KREDIT) PADA CREDO UNION MODIFIKASI (CUM) BERBASIS WEB Victor Marudut Mulia Siregar; Erikson Damanik; Mega Romauly Tampubolon; Eve Ida Malau; Eka Pratiwi Septania Parapat; Debora Silvia Hutagalung
Jurnal Tekinkom (Teknik Informasi dan Komputer) Vol 3 No 2 (2020)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/tekinkom.v3i2.193

Abstract

Modified Union credo is a cooperative-type business entity owned by a group of people in a unifying bond, which agrees to invest their money (shares) so as to create joint capital with decent business results and for productive and welfare purposes. The role of cooperatives is very important in Indonesia, because cooperatives can increase the economic growth of Indonesian society. The loan administration information system (credit) at CUM Caritas HKBP Pematangsiantar is not yet effective, because it still uses a manual system so that data is easily lost and difficult to find, and the preparation of reports takes a long time. The purpose of this study is to build a system that makes it easier for staff to process data for CUM Caritas HKBP members and improve staff performance to be more efficient and minimize errors in data processing, especially in the loan administration (credit) section of CUM Caritas HKBP. In this research, in the process of collecting data, the researcher used the method of observation, interviews and literature study and the method of system development to be used was the Prototype method. The information system to be designed will be in the form of a web and use the MySQL database. It is hoped that this research can solve the problem of Loan Administration (Credit) at CUM Caritas HKBP Pematangsiantar.
PENGARUH EVALUASI ULANGAN HARIAN TERHADAP PENINGKATAN PRESTASI BELAJAR EKONOMI SISWA KELAS X SMA NEGERI 3 PEMATANGSIANTAR Eka Pratiwi Septania Parapat; Eve Ida Malau
Jurnal Ekonomi dan Bisnis (EK&BI) Vol 3 No 2 (2020)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v3i2.192

Abstract

This study aims to determine the effect of providing daily test evaluation on the improvement of student achievement in economy class X SMA NEGERI 3 Pematangsiantar. The population of this research was all class X as many as 344 people. Samples were taken as many as 86 people, the research was conducted at SMA NEGERI 3 Pematangsiantar.The instrument used to collect data on the provision of daily test evaluations was a questionnaire compiled by the researcher, while the economic learning achievement data were obtained through a list of value sets. The quality of the research instrument was carried out by testing the validity and reliability. By using the normality test, the data for the provision of daily test evaluations were normally distributed. While the linear regression equation is Y = a + bX, so the regression of learning achievement (Y) on the provision of daily test evaluation (X) is Y = 50.43 + 0.38X. For analysis accuracy used regression linearity test and using a list of variances (ANOVA) through the F test, it turns out that Y does not need to look for a non-linear model. To determine whether the relationship between variables is close or not, the correlation coefficient test is used as follows: The correlation of providing daily test evaluation with student achievement is 0.359 and the coefficient of determination of Y on X is 0.1288 or 12.88%. Based on hypothesis testing, it is obtained that Fcount is greater than Ftable (12.44> 3.96). Thus H0 is rejected and H1 is accepted. This means that there is a significant effect of providing daily test evaluations on the improvement of student achievement in class X SMA NEGERI 3 Pematangsiantar
PENGARUH PENDAPATAN ASLI DAERAH (PAD) DAN BELANJA MODAL TERHADAP KEMANDIRIAN KEUANGAN DAERAH EVE IDA MALAU; Eka Pratiwi Septania Parapat
Jurnal Ekonomi dan Bisnis (EK&BI) Vol 3 No 2 (2020)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v3i2.196

Abstract

The objective of the research was to analized the influence original local revenue and capital expenditure partially on the independence of local finance in districts/towns of North Sumatera Province. The population was 33 districts/towns of North Sumatera Province years of 2010-2017 and population will be used as sample. The data were processed by using panel data regression statistic method. The result of the research that original local revenue had positive and significant influence on the independence of local finance. Meanwhile, capital expenditure had negative and significant influence on the independence of local finance. Keywords : Original Local Revenue, Capital Expenditure, Independence of Local Finance.
ANALISIS FAKTOR-FAKTOR PENGHAMBAT TRANSFORMASI DIGITAL DAN PERKEMBANGAN EKONOMI DESA WISATA BERBASIS TEKNOLOGI PADA DESA DI KECAMATAN AJIBATA Junaidi Junaidi; Eve Ida Malau
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 5 No 2 (2022)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v5i2.561

Abstract

Ajibata District is a tourist area in North Sumatra. This sub-district has 9 villages and 1 kelurahan. From the results of the initial survey, researchers found the fact that each village has its own potential and wealth, but is not managed optimally. This can be seen from 90% of the management of MSMEs, IKM, Cooperatives, BUMDes, Farmers Groups, and other economic activities that are still manual and have no touch of technology. The purpose of this study was to analyze the inhibiting factors for the transformation and economic development of technology-based tourism villages. If the factors that cause delays in technology entering the village economic system are known, this will make it easier for the government to design and run programs related to improving the village economy. To achieve this goal, the researcher plans the stages of the research to be carried out, namely the first step the researcher conducts an initial survey and literature study to further sharpen the researcher's understanding of the problem to be studied specifically. Then the researchers collected the necessary data and information either through observation, interviews, and questionnaires. The collected data is then tested for validity and validity before being analyzed further to determine conclusions. The results of this study are partially X1, X2, X5, and X6 variables have no significant effect on Digital Transformation. Variables X3 and X4 have a significant effect on Digital Transformation. Simultaneously the variables X1, X2, X3, X4, X5, and X6 together have a significant effect on Digital Transformation (Y).
Analisis Pemberian Kredit Pada PT. Bank Sumut Pematangsiantar Damanik, Asmawati Halilah; Malau, Eve Ida; Berlien, Richard
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 2 No. 2 (2024): Jurnal Ekonomi, Akutansi dan Manajemen Nusantara (JEAMA)
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v2i2.47

Abstract

Penelitian ini bertujuan untuk melakukan evaluasi mendalam terhadap kebijakan penentuan bunga dan jaminan dalam proses pemberian kredit di PT. Bank Sumut Pematangsiantar. Dalam konteks lingkungan perbankan yang dinamis, penentuan bunga dan jenis jaminan memiliki dampak yang signifikan terhadap kelancaran transaksi kredit dan risiko yang dihadapi oleh bank. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus untuk menggali persepsi dan pandangan internal bank terkait kebijakan tersebut. Melalui wawancara mendalam dengan pihak terkait di PT. Bank Sumut Pematangsiantar, penelitian ini mengidentifikasi faktor-faktor yang mempengaruhi penentuan suku bunga dan persyaratan jaminan dalam pemberian kredit. Hasil penelitian menunjukkan bahwa kebijakan penentuan bunga dan jaminan di bank ini dipengaruhi oleh berbagai faktor seperti risiko kredit, tingkat suku bunga pasar, profil nasabah, dan pertimbangan kebijakan eksternal.  Selain itu, penelitian ini juga mengungkapkan bahwa strategi penentuan bunga dan jaminan harus seimbang antara mendorong pertumbuhan kredit yang sehat dan mengelola risiko yang mungkin timbul. Kebijakan yang tepat dalam penentuan bunga dan persyaratan jaminan dapat mempengaruhi daya saing bank, kepercayaan nasabah, dan stabilitas keuangan. Kesimpulan dari penelitian ini adalah bahwa kebijakan penentuan bunga dan jaminan di PT. Bank Sumut Pematangsiantar memainkan peran penting dalam mengelola portofolio kredit dan risiko. Penting bagi bank untuk terus memantau perkembangan pasar dan risiko yang ada serta melakukan penilaian yang cermat terhadap nasabah dalam menentukan suku bunga dan jenis jaminan yang sesuai. Penelitian ini memberikan kontribusi dalam memahami dinamika kebijakan perbankan dan memberikan panduan bagi bank dalam mengoptimalkan keputusan terkait pemberian kredit.
Analisis Pengaruh Pertumbuhan Ekonomi Terhadap Pendapatan Asli Daerah di Kota Pematangsiantar Eve Ida Malau
Jurnal Riset Multidisiplin Edukasi Vol. 1 No. 2 (2024): Jurnal Resit Multidisiplin Edukasi (Edisi November 2024)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v1i2.42

Abstract

Pertumbuhan ekonomi merupakan perubahan kondisi ekonomi yang ditandai dengan peningkatan kapasitas produksi barang dan jasa selama periode tertentu dan dapat diartikan akan memberikan kontribusi pada pendapatan daerah. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh pertumbuhan ekonomi terhadap pendapatan asli daerah. Penelitian ini dilakukan di kota Pematangsiantar. Data sekunder yang digunakan dalam penelitian ini adalah data pertumbuhan ekonomi dan realisasi pendapatan asli daerah tahun 2012-2021 yang berasal dari website resmi Badan Pusat Statistik (BPS). Analisis data yang digunakan adalah analisis regresi linier sederhana. Alat analisis data yang digunakan dalam penelitian ini adalah uji normalitas, regresi linier sederhana, uji t, dan koefisien determinasi. Hasil penelitian ini menunjukkan bahwa pertumbuhan ekonomi berpengaruh terhadap pendapatan asli daerah di kota Pematangsiantar yang ditunjukkan oleh nilai pertumbuhan ekonomi  yaitu sebesar thitung = 5,711 > ttabel = 2,306 dengan taraf signifikan 0,05. Besarnya pengaruh pertumbuhan ekonomi yaitu sebesar 80,3% sedangkan sebesar 19,7% dipengaruhi oleh variabel lain.
PERANCANGAN APLIKASI DELIVERY ORDER PEMESANAN MAKANAN PADA L-GIAN CAFE KISARAN BERBASIS WEB Suharjo; Malau, Eve Ida; Sakban, Muhammad
Jurnal Bisantara Informatika Vol. 7 No. 1 (2023): Jurnal Bisantara Informatika (JBI) Vol. 7 No. 1 Tahun 2023
Publisher : Akademi Manajemen Informatika dan Komputer PARBINA NUSANTARA Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perkembangan teknologi informasi dan komunikasi telah membawa dunia menujukehidupan modern yang memberikan banyak kemudahan, kecepatan dan kenyamananberaktifitas. Berkat perkembangan teknologi informasi dan komunikasi yang revolusionertersebut, industri dan pelaku bisnis dengan cepat dan tanggap dalam memenuhi kebutuhan danmemberikan solusi bagi masyarakat modern yang semakin dinamis dan menghargai waktu. Salahsatu kemajuan teknologi komunikasi yang dapat dirasakan adalah fasilitas pesan antar (deliveryorder) yang akan dirancang pada sebuah cafe dengan nama L-Gian Cafe.
Pengaruh Perataan Laba dan Ukuran Perusahaan terhadap Reaksi Pasar pada Perusahaan Pertambangan Febi Tamu Rambu Duka; Yohana Febiani Angi; Eve Ida Malau
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 5 No. 2 (2025): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v5i2.955

Abstract

This study aims to examine the effect of income smoothing and firm size on market reaction. The research was conducted on mining companies listed on the Indonesia Stock Exchange for the period 2018–2023. This study employs a quantitative approach with documentation as the data collection technique. The sample was selected using a purposive sampling method. The total sample consists of 14 companies over a period of 6 years, resulting in 84 observations, focusing on the coal and metal mineral subsectors. The data were analyzed using panel data regression, while the classical assumption tests used were multicollinearity and heteroscedasticity tests. The results of this study indicate that, partially, firm size has a negative and significant effect on market reaction, while income smoothing has no effect on market reaction. Additionally, the simultaneous test shows that income smoothing and firm size have a joint effect on market reaction.
PENGARUH PENDAPATAN ASLI DAERAH TERHADAP BELANJA MODAL DI KOTA PEMATANG SIANTAR Malau, Eve Ida; Sumaizar, Sumaizar
Jurnal Riset Akuntansi & Keuangan Vol 9 No. 1 Tahun 2023
Publisher : UNIKA Santo Thomas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54367/jrak.v9i1.2453

Abstract

ABSTRACT This research aims to determine and analyze the effect of original local revenue (PAD) on the capital expenditure of Pematang Siantar city. The data used in this research is time series data regarding original local revenue and capital expenditure of Pematang Siantar city in 2011-2022. Data analysis methods consist of simple linear regression analysis, t-test, and analysis of the coefficient of determination. From the simple linear regression analysis is obtained Y = 25.019 + 1.276X.. The constant value of 25.019 means that if the original local revenue is constant, the capital expenditure of Pematang Siantar city is 25.019. The original local revenue regression coefficient shows a positive effect on capital expenditure of 1.276. From the results of the t-test is explained that t count > t table (2.054 > 1.812) where original local revenue affects capital expenditure. From the analysis of the coefficient of determination is known that original local revenue influences the capital expenditure of Pematang Siantar city by 29.7% and the other 70.3% is influenced by other factors other than original local revenue.
Pengaruh Penerapan Akuntansi Pertanggungjawaban dan Sistem Akuntansi Manajemen Terhadap Pengendalian Biaya Pada BPR Tanaoba Lais Manekat Kupang Ayu Dafriana Windra Pia; Markus A.K.B Hallan; Eve Ida Malau
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4534

Abstract

This study aims to examine the effect of responsibility accounting implementation and management accounting systems on cost control at BPR Tanaoba Lais Manekat Kupang. Data were collected through questionnaires from 126 respondents using a saturated sampling technique. A quantitative method was employed, including tests of validity, reliability, classical assumptions (normality, multicollinearity, heteroscedasticity), multiple linear regression analysis, and hypothesis testing (t-test, F-test, determination coefficient). The results indicate that both responsibility accounting and management accounting systems have a significant partial and simultaneous impact on cost control. This study provides empirical evidence contributing to improving cost efficiency in the microfinance banking sector.