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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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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.
PERANAN KREDIT USAHA RAKYAT (KUR) BAGI PENGEMBANGAN UMKM DI KOTA MEDAN (STUDI KASUS BANK BRI) Dewi Anggraini; Syahrir Hakim Nasution
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT The objective of this research is to know The role of the People’s Business Credit (KUR) for development of UMKM in Medan (Case Study of Bank BRI). The role is measured from income earned UMKM enterpreneurs after getting help from People’s Business Credit (KUR) of Bank BRI and what is the most dominant factor that encourage UMKM enterpreneurs took the People’s Business Credit (KUR) at Bank BRI. The results showed that a significant KUR capital for revenue growth of UMKM in Medan. This can be seen by the results of the analysis of the estimation model, it can be seen that: t *> t-table (4111> 1.669013). Thus Ha is accepted, it means capital KUR significant or significant impact on earnings UMKM entrepreneurs at 95% confidence level. And the most dominant factor that encourage the UMKM entrepreneurs to take or use the  People’s Business Credit (KUR) in BRI loan interest rates lower by 37.31% followed by 29.85% recommended by a friend, easy administration of 17.91%, a longer repayment period by 7.46% and good service at 7.46%.   Keywords : People’s Business Credit (KUR), Micro, Small and Medium Enterprises (UMKM)
ANALISIS PERAMALAN EKSPOR INDONESIA PASCA KRISIS KEUANGAN EROPA DAN GLOBAL TAHUN 2008 DENGAN METODE DEKOMPOSISI Jimmy Handoko Barus; Ramli Ramli
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT This research aims to analyze the value of Indonesia's exports of forecasting on agriculture, industry, mining, and the aggregate of the third sector in the aftermath of the financial crisis in Europe and globally in 2008 with the decomposition method. In this study, the data used is Indonesia export value growth data on agriculture, industry and mining, the aggregate of all three of these sectors during the period January 2002 s/d December 2011. This Data is used to predict the value of exports during the period January 2011 s/d December 2017 in the future by using the method of decomposition. In addition, the study also will try to prove the accuracy of the method of decomposition in forecasting Indonesia export value in the aggregate of all three of these sectors during the period January 2002 s/d December 2011. The results showed that the value of exports of agriculture, industry, mining, aggregate the third sector conducted by the method of decomposition for the period of January 2011 s/d December 2017 onwards produce export value that tends to increase. From the results of the measurement of the level of accuracy of forecasting the value of Indonesia's exports in the aggregate by the method of decomposition during the research period (January 2002 s/d December 2011), resulting MAPE value of 11%, which means that the accuracy of forecasting is not good because it exceeds the limits of the tolerance of 5 % Keywords : Agricultural Exports, Industrial Exports, Mining Exports, Financial Crisis,   Decomposition.
POTENSI WILAYAH DALAM PENGEMBANGAN KAWASAN AGROPOLITAN DI KABUPATEN TOBA SAMOSIR Damiana Simanjuntak; Sirojuzilam Sirojuzilam
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT This research aims to analyze region  potency of Toba Samosir Regency in development of agropolitan region and formulate strategy of agropolitan region development in Toba Samosir Regency. This research uses secondary data in time series, that is GDP at current prices of Toba Samosir Regency and Sumatera Utara Province in 2003-2010. It is analyzed by Location Quotient (LQ) method dan Shift share analysis.  Strategy of agropolitan development is analyzed by quantitative SWOT analysis.The results of both analysis, Location Quotient (LQ) and shift share analysis show that sectors which are prime sector with their criteria clasified to fast growing, basis and competitive sectors are agricultural and industrial sector. Based on the result of SWOT analysis, strategy of agropolitan region development is developing those potential sectors, namely agricultural and industrial sectors. It can be conducted by increasing facilities and infrastructures, capital and agricultural education, making relationship with private sector in investment, utilizing agricultural land optimally by development of agricultural commodities and developing agricultural potency by resources utilization. Keywords: Region Potency, Agropolitan Region, Location Quotient (LQ), shift share, strategy.
ANALISIS PENGARUH BID-ASK SPREAD, MARKET VALUE DAN VARIANCE RETURN TERHADAP HOLDING PERIOD SAHAM SEKTOR PERTAMBANGAN Novita Selvia Perangin-angin; Fauzie Syarief
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT The formulation of the problem is to know the influence of bid-ask spread, market value and variance return on stock holding period  in  mining  sector.  The  objective of this research to analyze the influence of bid-ask spread, market value and variance return on stock holding period  in  mining  sector.          The data used were 10 companies selected  using purposive sampling technique with the criteria (1) The companies  in  mining  sector  registered  in Jakarta Exchange. (2) The companies which  were actively  consistent  during in the period 2009 up to 2011 in Jakarta Exchange. (3) The companies  fulfilling the indicator of  dependent  and  independent variables  during in the period 2009  up to 2011.  The data to analyze in  this research  were  panel data  using  Multiple  Linier Regression with Fixed Effect Model (FEM) in accordance with this model  having  the intercept  equation  and it was  not constant or with  difference on every   individual. Before analyzing the  data,  it was tested  firstly with Normality test and Hausman test to know  the  normality of data  and  to know  which  method  is appropriate  with fixed effect model in this research.  Further,  data  processing was done using Eviews 7 program.The results of research  showed that simultaneously through f-statistic  test  the variable of bid-ask spread, market value and variance return  had significant  influence to stock holding period in mining sector on significance rate 95%,whereas based on t-statistic test, it can be concluded that the variable of bid-ask spread and market value  had  positive  influence and  insignificant  influence to  stock holding period in mining sector and variance return with negative significant to stock holding period of mining sector  in period of 2009 up to 2011 with significance rate 95%. In addition, the coefficient of  determination  showed that  the variable of bid-ask spread, market value, and variance return  are capable  only  to explain that the  variable of stock holding period in mining sector  for 65.15%. Keywords: Stock Holding Period, Bid-Ask Spread, Market Value and Variance Return.

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