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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 PENGARUH STRUKTUR PASAR, BEBAN NON BUNGA, EKUITAS, DAN ASET LIKUID TERHADAP MARGIN BUNGA BERSIH PADA BANK UMUM YANG LISTING DI BURSA EFEK INDONESIA Hardi Nata Purba; Syarief Fauzie
Ekonomi dan Keuangan Vol 2, No 1 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research aim to obtain empirical evidence about the effect of market structure, non-interest expense, equity and liquid asset to net interest margin on commercial banks listed on the Indonesia Stock Exchange for period 2007-2011. In this research, the data used is the data of 11 commercial banks were selected through purposive sampling with criteria (1) commercial banks that are actively listed on the Indonesia Stock Exchange for period 2007-2011. (2) Commercial banks that consistently publishes annual financial statements for the period of 2007-2011. (3) Commercial banks that meet indicator dependent variable and the independent variables during the period of 2007-2011. The data is analyzed using panel data with multiple linear regression method with fixed effect model (FEM) are graded according to this research because this model has no intercept equation is constant or there are differences in each individual. Before analyzing the data, first Normality Test and Hausman test to determine the normality of the data and to determine whether the fixed effect model suitable for use in this study. Further processing of the data were performed using the Eviews 5.Results of this research found that simultaneous f-statistics test that variables of market structure, non-interest expense, equity and liquid asset have a significant effect on net interest margin at 95% confidence level, while it is partially based on t- statistics test concluded that the variables of market structure and equity had a positive effect and no significant on the net interest margin at the 95% confidence level. Non-interest expense variable has a positive and significant effect on net interest margin and the liquid assets variable has a negative and significant effect on the net interest margin at the 95% confidence level. Additionally determination coefficient indicates that the variable of market structure, non-interest expense, equity and liquid asset are able to explain the variable net interest margin on commercial banks listed on the Indonesia Stock Exchange amounted to 87.79%.Key words: Net Interest Margin, Market Structure, Non-Interest Expense, Equity, and Liquid Asset.
ANALISA PERMINTAAN AIR MINUM ISI ULANG REVERSE OSMOSIS (RO) DI KOTA MEDAN Ragyl Arieyanto; Wahyu Ario Pratomo
Ekonomi dan Keuangan Vol 2, No 1 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aims to determine the that influence consumer demand to buy refill drinking water RO types based on price , quality, place / location, and promosi.Untuk determine the most dominant factor affecting the consumer demand to buy RO water refill in the city of Belawan.The data war obtained from a sample of 50 customers buyers RO water refill. Tests using five indicators of factors of production, factor price, location , promotion sales and purchase interest. The research method used is descriptive analysis, statistical analysis and statistical analysis of F test The F in F table is 2.706> 2.61. At α = 5%Based on the results the, regression test results obtained by the value of the product is positive at 0.382, the value is positive rates of 0.206, where the value is positive at 0.356 and is positive promotional value of 0.056, which means that the most dominant factor in influencing consumer purchasing water content RO water is particularly re-factor of the product. So as to increase sales entrepreneurs drinking water should always keep that produced water production and also promotion again.Keywords: Factors of production, price, and production
PENGARUH PERSEPSI MASYARAKAT TERHADAP OBLIGASI DI INDONESIA (Studi Kasus Nasabah PT. Bank Mandiri Tbk Kota Medan) Teguh Akbar Nugraha Harapah; Kasyful Mahalli
Ekonomi dan Keuangan Vol 2, No 1 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research aims to study and analyze the influence of society perception to the obligation in Indonesia (Case study at Customer of PT. Bank Mandiri Tbk Medan city). The society perception is an interpretation based on environment data collected that absorbed by human sense as initiative taking of communication process, while obligation is a medium – long term debenture that can be sell and buy in which the obligation contain promise of the issuer to pay the compensation such as interest (coupon) in certain period.The method of analysis applied in this research is a descriptive analysis and simple linier regression method. This research use the secondary data that collected in documentation study and processed statistically by SPSS program for windonws.The result of research indicates that the society perception has a negative influence and is not significant to the obligation in Indonesia. The value of t-calculated of society perception variable is -1.409 and t-table is 1.980. so t-calculated < t-table (-1.409 < 1.980) and significant value 0.000 < 0.05 because (0.162?0.05). the main reason of customer perception to the obligation is lower because the knowledge (insight) of customer is lower (they only know the obligation as alternative of investment in addition to saving and deposit product and share) and the socialization and promotion must be increased by bank.Keywords : Society perception, Obligation, Bank
PERANAN PERBANKAN BAGI PENGEMBANGAN USAHA PETANI JERUK DI KAB. KARO Wina Safebrina Pinem; Sya&#039;ad Afiffuddin
Ekonomi dan Keuangan Vol 2, No 1 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The problems of this research is how the influence of their own capital, loan capital and land held against citrus growers citrus farmers in business development Karo can be seen from the increase in revenue. The purpose of this research is to analyze their own capital, loan capital and land that may affect the business improvement particularly in citrus growers Karo seen from the increase in revenue. The hypothesis of this study is that there is a positive effect of own capital, credit capital and land area of the business improvement citrus growers who have seen improved citrus farmers' income in Karo District. Data analysis methods used are simple linear regression analyzes were used to see how the influence of their own capital, loan capital and land that may affect the business improvement / citrus farmers' income, as well as the correlation coefficient is used to see the closeness of the relationship between the variables of their own capital, capital credit and land on citrus farmers' income. The results showed that the positive influence of capital, loan capital and land area of the business improvement / citrus farmers' income significantly, and there is a correlation between the equity, capital and credit to an increase in the land area of business / revenue and positively perfect.Keywords:Equity, Capital Credit, Land Area and Revenue
Analisis Penentuan Suku Bunga Dasar Kredit Ritel ( Studi Empiris pada Bank BUMN di Indonesia Periode Oktober 2011 – Maret 2013 ) Brando Pratenta Ginting; Syarief Fauzie
Ekonomi dan Keuangan Vol 2, No 2 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research was conducted to determine the factors that influencing the determination of the retail prime lending rate on government bank in Indonesia. The main purpose of this research is to analyze the influence of BI rate and BOPO for the determination of the retail prime lending rate. The data used in this research is a secondary data which the object of this study is the government bank by using the Financial Statements of the period October 2011 - March 2013.The data in this study is the type of panel data that analyzed using panel data regression of the fixed effect model (FEM) which was considered suitable in this research because the model has a different intercept equations or constant on each individual. Before analyzing the data, first tested for normality and test redundant fixed effect to determine whether the data that normally distributed and used to determine the suitability of the fixed effect model for this research.Further processing of the data were performed using the Eviews 6.The results showed that simultaneously the BI rate and BOPO variables with significant impact on the retail prime lending rate at 95% confidence level. In addition, from the values shown by the coefficient of determination shows that the BI rate and ROA variables are able to explain the variable the re0tail prime lending rate amounted to 97,7%.Key words : BI Rate, BOPO, Prime Lending Rate
ANALISIS PERTUMBUHAN EKONOMI DAN INDEKS PEMBANGUNAN MANUSIA (IPM) PROVINSI-PROVINSI DI INDONESIA (METODE KOINTEGRASI) Eka Pratiwi Lumbantoruan; Paidi Hidayat
Ekonomi dan Keuangan Vol 2, No 2 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The purpose of this research is to see patterns and long-term relationship between economic growth and human development index (HDI) provinces in Indonesia during the period 2004-2011 by using Klassen Typology to see the patterns and Cointegration test method to see the long-term relationship. The results showed that by using Klassen Typology, there are 8 provinces in the category of fast forward and fast growing (quadrant I). For the category of fast growing area (quadrant II) there are 12 provinces and regions in the category of advanced but depressed (quadrant III) by 6 provinces. For the category of relatively underdeveloped (quadrant IV) there are 7 provinces. Meanwhile, the results of cointegration test showed a long-term equilibrium relationship between Economic Growth and Human Development Index (HDI) in the Indonesian provinces.Keywords : Klassen Typology, Cointegration test, Economic Growth,Human Development Index.
ANALISIS PUSAT PERTUMBUHAN EKONOMI KAB. SINGKIL Okta Kurniawan TB; Sirojuzilam Sirojuzilam
Ekonomi dan Keuangan Vol 2, No 2 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This research intended for any identifying characteristic owned regency of aceh singkil as center area growth, namely region fast-growing and fast forward who owns the superior sector, and has economic linkages with other. For this purpose use the analysis tools Location Quotient ( LQ ), Klassen Tipology dan Gravity Model.LQ result analysis showing that almost all economic sectors in regency of aceh singkil is superior sectors but sector that contributes largest was agriculture and the trade, hotel, and restaurant . Through tipologi klassen obtained the result that district aceh singkil including in the classification of income per capita growth, high and high compared with province of aceh or the fast-growing and fast forward. Gravity model described that all districts of regency of aceh singkil is districts gunung meriah, that has seen from its gravitational attraction of the population and its economic activity.From all the calculations that have been done, can be drawn the conclusion that the regency of aceh singkil is fast growing and fast forward, backed by its superior sectors which have competitiveness against other areas, as well as supported also by the gunung meriah district which is the gravitational pull of the powerful social and economic side.Key words : Growth Center, Location Quotient ( LQ ), Klassen Tipology , and Gravitation Model
ANALISIS POLA KONSUMSI KELUARGA MISKIN DI KOTA MEDAN Yuliana Yuliana
Ekonomi dan Keuangan Vol 2, No 2 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The Research titled “The Analysis of Consumption Models of Poor Families in Medan”. The type of data used in this study is primary data with a sample of 100 people. Research methods used in this analysis is a qualitative descriptive method, using data tabulation frequency distribution and percentages.Tabulation of the results showed that the average income of poor families around Rp 600,000, - per month to the average food expenditure every month for Rp371.000, - and for non-food expenditure for Rp318.000, - every month. The average level of expenditure for most poor families food is rice that is equal to Rp180.000,- every month and the average level of expenditure for the largest non-food poor families are housing that is equal to Rp200.000,- every month. All respondents do not have a residual income or even a minus, because the income they receive is minimal.Keywords: Income, Consumption, Residual Income/Saving
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGUSAHA UMK UNTUK MENGGUNAKAN JASA PEMBIAYAAN MODAL KERJA PADA BANK SYARIAH DI KOTA MEDAN Renol Lubis; Kasyful Mahalli
Ekonomi dan Keuangan Vol 2, No 2 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The problems of this study are the factors that influence the micro and small entrepreneurs (MSEs) to use the services of working capital financing in Islamic banks in the city of Medan and how these factors influence the SME entrepreneurs to use the services of capital financing work on Islamic Banking.As for the object of this research is the MSE entrepreneurs in the city of Medan. The data used in this study is primary data obtained from questionnaires directly. The sample used in this study were 95 samples with a stratified sampling method.Results of primary data processing with methods of descriptive statistics showed that most respondents agreed that if the factor procedure and factors affecting service is influencing them to use the services of working capital financing in Islamic banks and to be neutral to the belief factor.Keywords: Procedure, Faith, Services, Islamic Banking, SME Entrepreneurs
ANALISIS ABILITY TO PAY DAN WILLINGNESS TO PAY PENGGUNA JASA KERETA API BANDARA KUALANAMU (AIRPORT RAILINK SERVICE) Julien Julien; Kasyful Mahalli
Ekonomi dan Keuangan Vol 2, No 3 (2014)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

The objectives of this research are to analyze the users’ ability and willingness to pay the Kuala Namu airport railink services, to find the ideal fare of the train services and to investigate the basic consideration in determining the services fare from PT.Railink. Data is collected by interviews based on the questionnaire. Moreover, in analyzing the data, household budget method and stated preference method are used to measure the ability and the willingness respectively. The results shows that the average respondent’s ability to pay is Rp 78,375 and the average respondent’s willingness to pay is Rp 60,375. However, after the increase in quality of priority, the average respondent’s ability to pay will become Rp 71,375 with the average amount of money that is willing to be added by respondent is Rp 22,632. In determining the fare, PT. Railink has considered the operation fee and the quality of services given to the customers as its primary reasons. Based on the current fare, respondent who have the ability to pay is only 50%. The research reveal that the ideal fare for the train services is Rp 69.375, which will increase the percentage of respondents who have the ability to pay to 72.5%Key Words : Ability to Pay (ATP), Willingness to Pay (WTP), Ideal Fare, PT.Railink.

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