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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 Estimasi Permintaan dan Penawaran Kredit Konsumsi di Sumatera Utara (Periode 1990-2011) Martin Hansen Simaremare; Paidi Hidayat
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aims to determine how much influence the Interest Rate and Per Capita Income of the consumer credit demand in North Sumatera as well as to determine how much influence the, Gross Domestic Regional Product and Non Performing Loan (NPL) to offer consumer credit in North Sumatera.In this study, data obtained from Bank Indonesia branch of North Sumatera, Central Bureau of Statistics of North Sumatera and other sources that is research result and journals. Data beginning in 1990-2011using Two Stage Least Square method.The results showed demand for consumer credit in North Sumatera, according to the results of TSLS influenced by Third Party Funds, Interest Rate and Income Per Capita. While consumer credit offering in North Sumatera by TSLS results are influenced by Third Party Funds.Keywords : Third Party Funds, Interest Rate, Per Capita Income, Gross Domestic Regional Product and Non Performing Loans(NPL)
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMILIHAN BANK OLEH NASABAH TABUNGAN HAJI (STUDI KASUS: PESERTA BIMBINGAN MANASIK HAJI AZIZIAH KEC. MEDAN JOHOR) Vera Erlinda; Haroni Doli H. Ritonga
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research deals with the impact factors on pilgrim candidate selection of pilgrim fund saving bank at aziziah hajj guidance bureau. The object of this study is to determine which factor most affect customers in choosing a bank. Those factors are the service, facilities and location. Respondents are 30 participants of Aziziah. The method used in this research is descriptive analysis by the form of frequency table. By using this method, the researcher will find the most impacted factor of bank choice. The result shows that the main reason customers choose the bank for pilgrim’s fund is the service factor. While the facilities and location become the second factor after service.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENABUNG DI BANK BCA KOTA MEDAN (STUDI KASUS ETNIS CINA) Monang Ranto Tambunan; Inggrita Gusti Sari Nasution
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study entitled “Anaysis of Factors Influencing Decisions Customers Saving in BCA Medan (Ethnic Chinese Case Study)”. This study aimed to investigate the efeect of factors consisting Of products, services, promotions, location and credibility of the decisions of Chinese customers saving in BCA Medan.The analytical method used is descriptive analysis and statistical methods used multiple linear regression tool, significant testing and simultaneous testing of significant partial. Data processed using SPSS17.0 for windows. The data used are primary and secondary data.Based ond estimation/regression showed that the variables of the products, service, and the credibility has positive and significant impact in cutomers decision ethnic Chinese saving in BCA Medan alpha level of 5%, while variable promotion and location only positive influence customers decisions ethnic Chinese saving in BCA Medan. Keywords: Products, Services, Promotion, Location, Credibility and Customers Decision
ANALISIS FUNDAMENTAL DAN RESIKO SISTEMATIK TERHADAP HARGA SAHAM PERBANKAN YANG TERDAFTAR PADA INDEKS LQ 45 Amanda WBBA; Wahyu Ario Pratomo
Ekonomi dan Keuangan Vol 1, No 3 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research aimed to determine the effect of fundamental’s aspect and systematic risk to the stock price of bank on the list of LQ 45. Fundamental analysis is a picture of the bank company’s performance based on fundamental aspects. Systematic risk (BETA) is a risk that affects the market price of the existing shares on the stock exchange. Fundamental analysis is the form of financial ratios and Beta are identified variables could affect the stock price. The variables used in this research are financial ratios, Return on Assets (ROA), Return on Equity (ROE), Debt to Equity Ratio (DER), Earning Per Share (EPS) Price Earning Ratio (PER), and Beta. Beta is a risk systematic sensitivity indicator of the stock market. This research used panel data which is a combination of the data time-series and cross-section with multiple linear regression models. The data was then estimated by Fixed Effect Model (FEM) and processed with the program Eviews 7. The results showed that the independent variables, Debt to Equity Ratio (DER), Earning Per Share (EPS), Price Earning Ratio (PER) and BETA significant affected on bank stock prices LQ 45 while the Return On Assets (ROA) and Return on Equity (ROE) not significant affected on bank stock prices LQ 45. The independent variables used in this research are affected the stock price of bank in LQ 45 as the dependent variable with R-square 0.988096 and probability 0.000000. Keywords:  Return On Assets (ROA), Return On Equity (ROE), Debt to Equity    Ratio (DER), Earning Per Share (EPS), Price Earning Ratio (PER), Systematic Risk (BETA)
Peranan Perbankan Terhadap Perkembangan Lembaga Keuangan Mikro di Kota Tebing Tinggi Muhammad Taufiq Assyauri Sidadolog; Coki Ahmad Syahwier
Ekonomi dan Keuangan Vol 1, No 4 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aimed to determine the role of banking on the development of microfinanace institutions in Tebing Tinggi. Also to know how to influence lending rates, lending process, the number of credits the bank’s desicion on the loan request in Tebing Tinggi. Availability of funds given MFI banking is one indicator that banks have an influence in the development of microfinance institutions. In this study, the research object is the Microfinance institutions in Tebing Tinggi. With a sample of 40 respondens where sampling is population sampling. The test data where then analyzed using questionnaires statistical analysis such as the validity ang reliability test and descriptive statistics. The test result show that the interst rate, the loan and the amount of loans affect credit demand decisions on the banks operating in the City of High Cliff. This is evident from the test result obtained by the mean value of the variable interest rate is equal to 3.93, 4.11 for the loan, the amount of credit of 4.084. All items are in the range of variables statement score from 3.7 to 4.5 which means that all variables in this study influence decisions of the demand for credit in the banking system in Tebing Tinggi.Keywords : Banking, MFI, Lending Rate, Credit Supply Process, Credit Amount and Credit Demand Decisions.
ANALISIS PERMINTAAN IMPOR BAWANG MERAH DI INDONESIA Theresia Wediana Pasaribu; Murni Daulay
Ekonomi dan Keuangan Vol 1, No 4 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research has a purpose to know the development of import demand of shallot in Indonesia and what influence national consumption of shallot, national income, production of shallot, price of import shallot, exchange rate and volume of shallot import have of import demand of shallot in Indonesia. This research uses time series data from 2002 to 2012 by using linier equation. Analysis method that is used in this research is multiple regression by using Ordinary Least Square (OLS) method. The regression result shows that National Consumption of shallot has positive influence but does not significantly influence import demand of shallot while income has positive influence and significantlyinfluence import demand of shallot. Price of import shallot has positive influence and significantly influence import demand of shallot while the increasing of shallot’s price does not decrease the amount of import demand of shallot because other factors beside price have bigger influence of import demand of shallot. National production has negative influence and significantly influence import demand of shallot while exchange rate and the volume of shallot import one year prior to current year have negative influence but do not significantly influence import demand of shallot.Keyword : import, demand, shallot
PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA PADA BPR DI INDONESIA Anisah Lubis
Ekonomi dan Keuangan Vol 1, No 4 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aimed to test whether a bank's health is represented by the Adequency Capital Ratio (CAR), Non Performing Loan (NPL), ROA and Loan to Deposit Ratio (LDR) effect on earnings growth BPR in the period 2008-2012.The data used in this study were obtained from the publication of the financial statements BPR, which have been audited and published by Bank Indonesia. The F test results indicate that the variable Adequency Capital Ratio (CAR), Non Performing Loan (NPL), BOPO and Loan to Deposit Ratio (LDR) simultaneously significant effect on the variable profit growth, while partially by using the t test showed that the variables Adequency Capital Ratio (CAR) has a significant negative correlation with profit growth. Variable Non Performing Loan (NPL) in this study had a positive relationship with profit growth while variable BOPO and the Loan to Deposit Ratio (LDR) has a negative relationship with profit growth at BPR. These results show the value of adjusted R2 of 56.9%. The results of this study are expected to be taken into consideration for management in predicting the earnings growth.Keywords: Adequency Capital Ratio (CAR), Non Performing Loan (NPL), BOPO, Loan to Deposit Ratio (LDR), growth in profit.
ANALISIS PERSEPSI PELAKU USAHA DI KOTA MEDAN TERHADAP RENCANA REDENOMINASI Arif Hardiyanto; Murni Daulay
Ekonomi dan Keuangan Vol 1, No 4 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

Fractional currency that is too big an impact on inefficiencies in the payment system. Simplification of zeros on the currency makes transaction processing and accounting system simpler. Redenomination will not reduce purchasing power. Redenomination plan to do with the best possible plan of Bank Indonesia. Unpreparedness of the policy will have an impact on the economic turmoil and public panic. Socialization is very necessary because there are many people we do not understand the meaning of redenomination. Successful redenomination can be done when a country's economy is relatively stable.Keywords: Redenomination, Bank Of Indonesia.
ANALISIS PENGARUH LABELISASI HALAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK MAKANAN IMPOR DALAM KEMASAN PADA MAHASISWA KEDOKTERAN UNIVERSITAS SUMATERA UTARA Dewi Kurni Sari; Ilyda Sudardjat
Ekonomi dan Keuangan Vol 1, No 4 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This wacthfulness internal issue formulation how does influence labeling rightful towards import food product purchasing decision in package in field University of North Sumatra. Hypothesis in this watchfulness found connection between labeling rightful with import food product purchasing decision in package in field University of North Sumatra Medan. Method that used in influence analysis labeling rightful towards import food product purchasing decision in package in field University of North Sumatra Medan Rank Correlation Coefficient by using analyzer to managed data that is by using SPSS 17. Based on Correlation Analysis Result Spearman Rank show that: Value Sig 0,025 < 0,05 so Medan. This watchfulness aims to detect “Influence Analysis Labeling Rightful Towards Import Food Product Purchasing Decision in Package in Field University of North Sumatra Medan”. As to free variable in this watchfulness labeling rightful and as bound variable import food product purchasing decision in package.ha accepted, ho aversed, so there connection between labeling rihtful with import food product purchasing decision in package, with confidence level 95% (positive correlation).Keyword: Labeling Rifhtful, Import Food Product Purchasing Decision in Package.
ANALISIS PEMANFAATAN DANA PENSIUN TERHADAP PEMENUHAN KEBUTUHAN HIDUP PNS PENSIUNAN GURU KOTA MEDAN Muhammad Fahmi Tanjung; Wahyu Ario Pratomo
Ekonomi dan Keuangan Vol 1, No 4 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aims to analyze the use of pension funds for the substistence like needs for food, clothing, housing, health needs and their families and family needs. In this study, the data used are primary data by giving questionnaires to 50 respondents retired teacher in Medan. Respondents' answers will be used to answer whether pension funds can fulfill the needs life of PNS retired teacher in Medan. The analysis used is descriptive qualitative analysis. Data analysis techniques using data tabulation of frequency distribution and percentage. The results showed that pensioners living needs during retirement fulfilled. From the results of this research is the income received from pension funds are not sufficient to subsistence. Pensioners get extra income from children and other businesses. From the results of this research is that more pensioners choose to receive a pension funds once the whole than the receiving each month. Keywords: Retirement, basic needs, health needs, the family unit

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