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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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ANALISIS STRATEGI PENGEMBANGAN BMT (BAITUL MAAL WAT TAMWIL) DI KOTA MEDAN Isma Ilmi Hayati Ginting; Ilyda Sudardjat
Ekonomi dan Keuangan Vol 2, No 11 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aims to identified internal and external factors of BMT in Medan and making the business strategy that can be applied to developed BMT in Medan.The data that used in this study was primary data that has been collected using questionnaire and benn analyzed using internal and external factor analysis also SWOT quantitative analysis, SWOT is the stands for Strenghts, Weakness, Opportunity, and Threats, SWOT stages assumes the effective strategy that maximize strengths and opportunities and minimalyzed weaknesses and threats.The strategy that been obtained was a. Developing bookkeeping system that appropriate with sharia system and more transparent with the sharing system; b. Utilize government support against Islamic banking with increasing the types of sharia products; c. Government support can be used to fix the information and technology that used to give the good services to the community; d. Creating partnership with other bank that doing Islamic principles to do the training and development program for the human resource on BMT Amanah Ray in Medan; e. Holding counseling for the community about sharia system on BMT dan bookkeeping system that BMT Amanah Ray owned to open the peoples insight about BMT Amanah Ray in Medan and also promoting it; f. Increase the role of BMT trough the soft credit policy with mild condition; g. Promotion about BMT that impose sharia bookkeeping systems; h. Fix the facilities and infrastructures on technology to compete with another institutions.Keywords : Strategy, BMT, SWOT, Internal Factor, External Factor.
ANALISIS MANFAAT RASIO KEUANGAN DALAM MEMPREDIKSI FINANCIAL DISTRESS PADA PERBANKAN (2007-2012) Rizky Indriyani Siregar; Syarief Fauzie
Ekonomi dan Keuangan Vol 2, No 12 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research has a purpose to provide financial ratios in predicting financial distress of bank. The financial ratios that are used are CAR, ROA, ROE, LDR, BOPO, NIM and NPL. By using purposive sampling method, there 11 banks which experience financial distress and 11 banks which do not experience financial distress as comparison. This research used Logistic Regression to analyze financial ratios in predicting financial distress. Logistic Regression was used twice by using data of 2 years prior to financial distress and 1 year prior to financial distress. The result showed that logistic regression model by using data of 2 years prior to financial distress was a good model while model by using data of 1 year prior to financial ratios was not a good model and could not be used. The final result showed that CAR, NIM, and NPL have positive influence while ROA, ROE, LDR and BOPO have negative influence in predicting financial distress of bank.Keyword: financial distress, financial ratios, logistic regression
727 TINGKAT KEMAMPUAN PENGUSAHA SEKTOR INFORMAL DALAM MENGAKSES LEMBAGA PERBANKAN DI KOTA MEDAN Taufik Ritonga; Raina Linda Sari
Ekonomi dan Keuangan Vol 2, No 12 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The informal sector is very important in the scope of economic. Because this sector can absorb a lot of labor if it’s not absorbed in the formal sector. The aim of this study was to obtain an overview of the capabilities about ability of the employers informal sector to access banking institutions in the Medan city.The population is all of the employers informal sector in Medan city. Determination of the sample using purposive sampling method by 30 people. Primary data were collected through questionnaires distributed to the respondents.From the research conducted it can be concluded that the ability of the employers informal sector to access banking institutions are otherwise not well, because the average ability of the employers informal sector to access products and services banking only 48.48%.Keywords: The Employers Informal Sector, Access, BankingInstitutions
ANALISIS MONDAY EFFECT DAN ROGALSKI EFFECT TERHADAP RETURN SAHAM DI BURSA EFEK INDONESIA (BEI) PERIODE 2012-2013 Susetriani Putri F.A.S; Syarief Fauzie
Ekonomi dan Keuangan Vol 2, No 11 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research aims to test and analyze the Monday effect and Rogalski effect on stock return in Indonesia Stock Exchange. The applied sampling method is purposive sampling. The sample in this research is companies registered as LQ-45 Index during January 2012 up to December 2013. The analysis method applied to analyze the influence factors of return on the trading days is descriptive analysis. The descriptive analysis method is used to depict the daily average of stock returns and monthly stock returns. The hypothesis was tested by Kruskal Wallis Test, Kendall’s Tau, and Wilcoxon Test. The result of hypothesis 1 and hypothesis 2 tests using Kruskal Wallis Test indicates that there is day of the week effect and Monday effect on LQ-45 Index during January 2012-December 2013. The result of hypothesis 3 test using Kendall’s Tau Test indicates that there is not a correlation between Monday effect and bad Friday on LQ-45 Index during January 2012-December 2013. The result of hypothesis 4 test by Wilcoxon Test indicates that there is not Rogalski effect phenomenon on LQ-45 Index during January 2012-December 2013.Keyword: stock return, LQ-45 Index, Monday effect and Rogalski effect
ANALISIS STOCK RETURNS PERUSAHAAN PERBANKAN PADA JAKARTA COMPOSITE INDEX MENGGUNAKAN FAMA-FRENCH THREE-FACTOR MODEL yolita yolita; Syarief Fauzie
Ekonomi dan Keuangan Vol 2, No 11 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The validity of Fama-French Three-Factor Model has been tested in various stock exchanges to show the explanation power of market risk factor, size risk factor and book-to-market ratio risk factor on excess returns. The purpose of this study is to test the validity of Fama-French Three-Factor Model in banking stocks listed on Jakarta Composite Index. This study also shows the average monthly returns behavior based on the portfolios constructed according to firm size and book-to-market ratio. Three-factor model is empirically compared to one-factor model (CAPM). This study uses multiple linear regression on time-series data in estimating the effects of three variables (market risk factor, size risk factor and book-to-market ratio risk factor) on excess portfolio returns. The data used in this analysis are monthly stock returns, monthly market returns and risk-free rate in the period of February 2008 to January 2014. Average monthly portfolio returns calculated from February 2008 to January 2014 show a positive relation between average return and both firm size and book-to-market ratio. Market risk factor and size risk factor significantly affect the excess returns on four portfolios constructed according to firm size and book-to-market equity ratio. Beside the portfolio including big-size firms with high book-to-market ratio, book-to-market ratio risk significantly affects the excess returns on the other three portfolios. Based on the empirical results, three-factor model works better in explaining the excess portfolio returns than one-factor model.Keywords: Fama-French Three-Factor Model, market risk, size risk, book-to-market ratio risk, stock returns.
ANALISIS DAYA SAING EKONOMI KOTA TANJUNGBALAI Evita Khairani Nasution; Paidi Hidayat
Ekonomi dan Keuangan Vol 3, No 2 (2015)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi dan menjadi penentu daya saing ekonomi Kota Tanjungbalai pada tahun 2014 dengan menggunakan metode Analisis Hierarki Proses (AHP). Dengan menggunakan metode purposive sampling, penelitian ini menggunakan data primer dengan kuisioner dan wawancara terhadap 30 responden yang terdiri dari mahasiswa, pengajar, tokoh masyarakat, birokrasi, perbankan, non perbankan, dan pengusaha.Hasil dari penelitian ini yaitu faktor infrastruktur menjadi faktor yang paling penting dalam meningkatkan daya saing ekonomi Kota Tanjungbalai dengan bobot sebesar 0,293, diikuti dengan faktor tenaga kerja dan produktivitas dengan bobot sebesar 0,258, kemudian faktor perekonomian daerah (0,257), faktor kelembagaan (0,113), dan yang terakhir faktor sosial politik sebesar 0,080.Kata Kunci : Daya Saing Ekonomi, Analisis Hierarki Proses
ANALISIS DAYA SAING EKONOMI KABUPATEN SIMALUNGUN SUMATERA UTARA Ricky Jaya Dinata; Paidi Hidayat
Ekonomi dan Keuangan Vol 3, No 1 (2015)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aimed to analyze the factors that affect and be decisive economic competitiveness Simalungun in 2015 by using the method of Analytical Hierarchy Process (AHP). By using purposive sampling method, this study uses primary data with questionnaires and interviews with 30 respondents consisting of students, teachers, civils, bureaucracy, banking, non-banking, and entrepreneurs.Results from this research that the infrastructure factor becomes the most important factor in improving economic competitiveness Simalungun regency with a weight of 0,392, followed by the regional economy factors (0,221), then a factor of labor and productivity (0,199), socio political factor (0,098), and the final is institutional factors (0,090).Keywords: Economic Competitiveness, Analytical Hierarchy Process (AHP)
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI DAYA SAING INDONESIA DALAM MENGHADAPI MASYARAKAT EKONOMI ASEAN Reni Juliana Sagala; Murni Daulay
Ekonomi dan Keuangan Vol 3, No 2 (2015)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this study is to determine how much the influence of Education Support, economic growth, subsidie, and exchange rate to the Competitiveness Level with the opportunities and threat of Indonesia in facing ASEAN Economic Community 2015.The data used in this reasearch is a secondary data in time series from 2001-2014. Data processing methods used by researchers is Regression Analysis by Ordinary Least Square (OLS), in with SPSS 17. Based on the results of analysis show that the independent variable is positive and has significant effect on the Competitiveness of 95.3%. Partially Education Support, Economic Growth, and exchange rate have positive effect on Competitiveness with each keofisien 0.331; 0.540; and 0.366, the variable which has the greatest effect is Economic Growth. While variable subsidies has a negatif effect on the Competitiveness with coefficient is -0.041. This will be one of the threats of Indonesia in facing AEC because it’s consumtive and missed target that foreigner will also use it. Removal and reduction of barriers to free trade as in Blueprint caused the Indonesian market dominated by imports and trade balance deficits. Indonesian Manpower become one of the opportunities and challenges for Indonesia where the skill labor that can compete with foreign labor as the criteria in "Mutual Recognition Agreement (MRA)" according to the agreement of AEC.Keywords : Asean Economic Community (AEC), Competitiveness, Blueprint, Mutual Recognition Agreement (MRA), Opportunities, Threats.
ANALISIS DAYA SAING EKONOMI KOTA BINJAI PROVINSI SUMATERA UTARA Muhammad Sefti Arif Lubis; Paidi Hidayat
Ekonomi dan Keuangan Vol 3, No 1 (2015)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this study was to determine the factors determining economic competitiveness in Binjai 2014. Methods of data collection is done by purposive sampling method by distributing questionnaires. Data were analyzed by using Analytical Hierarchy Process (AHP).The analysis shows that there are three dominant factors affecting the competitiveness of the economy in Binjai city is a factor of physical infrastructure, regional economic factors and factors of labor and productivity. The main priority is to build the physical infrastructure to improve the quality of infrastructure. Then, to build the local economy his top priority is to optimize the economic potential of the region. Next to the main priority in building labor and productivity is to increase labor productivity.Keywords: Economic Competitiveness, Analytical Hierarchy Process (AHP)
ANALISIS MINAT MASYARAKAT KABUPATEN MANDAILING NATAL TERHADAP JASA DAN FASILITAS LEMBAGA ASURANSI (Studi Kasus Pegawai Negeri Sipil) As’at Nasution; Irsyad Lubis
Ekonomi dan Keuangan Vol 3, No 2 (2015)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research aimed to analyses of proclivity of Mandailing Natal regency people to the insurance agency cervices and facilities such as knowledge of the insurance, proclivity to the insurance and insurance contraintsto the people. The data in this research use primary data by giving questionnaire to 100 civil servants in Mandailing Natal as respondents. The answer of the respondents are used to know condition of proclivity of Mandailing Natal regency people to the insurance agency service and facilities. The analyses that is used descriptive qualitative analyses. The technique of analyses data. In order to data tabulation, frequensi distribution and presentation also.The result show that the level of knowledge of insurance is relatively satisfy, while the proclivity of people to take out insurance is low because the insurance company off erring their product to the people is less. From the result of the research is able to know the insuransi marketing is low due to lack. To people cause people of proctivity are less to join in the insurance. From the result of this research is that the constraints face by the people. Due to lack of comprehension on the explanation and the languge that is used by the insurance company.Keywords: People, Insurance, Civil Servants

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