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INDONESIA
BALANCE JOURNAL
Published by Universitas Muhammadiyah Makassar
ISSN : 18582192     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal ini memuat artikel bidang disiplin ilmu Ekonomi dan Pembangunan, Perilaku Ekonomi dan Bisnis, Proyeksi Bisnis, Pengembangan Ekonomi SDM, Sistem Perekonomian Islam dan Perekonomian Internasional serta ilmu terapan Ekonomi Statistik yang berada dibawah naungan institusi Fakultas Eknomi dan Bisnis Universitas Muhammadiyah Makassar.
Arjuna Subject : -
Articles 52 Documents
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DAMPAK KREDIT RENTENIR TERHADAP KEUNTUNGAN USAHA PAGANDENG SAYUR DI KECAMATAN PALLANGGA KABUPATEN GOWA Rusydi, Muhammad; Rasulong, Ismail
Jurnal Ekonomi Balance Vol 5, No 2 (2009)
Publisher : Universitas Muhammadiyah Makassar

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Abstract

Abstract This study aimed to test the hypothesis of the variables that influence the variable vegetable pagandeng loan. Knowing how much influence Kentungan Net per month (in%) against the loan pagandeng vegetables. know how much influence Lending per month (in%) against the loan pagandeng vegetables. Determination of the samples was done by purposive random sampling method. The number of samples in this study were 50 respondents Pagandeng Vegetable contained in two main bases points Panciro Bases and Base Cambaya. In quantitatively prove the relationship variables, researchers use econometric approach in the form of regression analysis and correlation. Conclusion of the study is a variable rate of profit is very influential in determining the amount of the loan. The variable interest rate in this study is less a role in determining the loan amount because although the interest rate per month is relatively high, the vegetable pagandeng keep borrowing from moneylenders. Keywords: Credit Rengtenir, Gain Enterprises, Pagandeng Vegetables Penelitian bertujuan menguji hipotesis dari variabel-variabel yang mempengaruhi variabel pinjaman pagandeng sayur. Mengetahui seberapa besar pengaruh Kentungan Bersih per bulan (dalam %) terhadap pinjaman pagandeng sayur. mengetahui seberapa besar pengaruh Bunga Pinjaman per bulan (dalam %) terhadap pinjaman pagandeng sayur. Penentuan sampel dilakukan dengan metode Purposive Random Sampling. Jumlah sampel dalam penelitian ini sebanyak 50 responden Pagandeng Sayur yang terdapat di dua titik pangkalan utama yaitu Pangkalan Panciro dan Pangkalan Cambaya. Dalam membuktikan hubungan variabel secara kuantitatif, peneliti menggunakan pendekatan ekonometrik yang berupa Analisa Regresi dan Korelasi. Kesimpulan hasil penelitian adalah variabel tingkat keuntungan sangat berpengaruh dalam menentukan besarnya jumlah pinjaman. Adapun variabel tingkat bunga dalam penelitian ini kurang berperan dalam menentukan besarnya jumlah pinjaman karena meskipun tingkat bunga pinjaman per bulan relatif tinggi, para pagandeng sayur tetap melakukan pinjaman kepada rentenir. Kata Kunci : Kredit Rengtenir, Keuntungan Usaha, Pagandeng Sayur
Analisis Faktor Penentu Kecendrungan Orang Bermigrasi Keluar Negeri Di Kabupaten Bulukumba Naidah, Naidah
Jurnal Ekonomi Balance Vol 7, No 2 (2011): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

This research aims to find out some determinants of outflow migration in Bulukumba. The required data consists of primary and secondary data. Primary data were collected through interviews with selected respondents using a pre-prepared questionnaire (questionnaire). Determination of the respondents intentionally from the number of population as many as 200 people sampled 10% (20 people) simple random sampling (simple random sampling). Furthermore, the list of questions is followed directly by the researchers while conducting in-depth interviews on several respondents. While secondary data will be collected through literature studies, reports, or other documentation contained in the office or related agencies such as village offices / sub-districts, statistical offices and other relevant agencies. The data collected in this study is further presented in the form of description to obtain an overview of the factors that affect the outflow migration that is analyzed qualitatively and quantitatively. Quantitatively used simple statistical methods through the frequency distribution table using percentages and averages and graphs.The conclusions of this study are (1) Factors driving the outflow of migration in Bontotiro Sub-district, Bulukumba District is the absence of work, the absence of workable land, low wages, and due to follow-up. (2) The outflow migration factor in Bontotiro sub-district is a high salary factor in the destination, easy work requirements, available jobs at all times, and family influences. (3) The level of income of migrants out in Bontotiro District is quite high, which ranges from Rp. 1,000,000, - hinggar Rp. 2,500,000, - upwards per month, well above the provincial minimum wage (UMP) set by the Manpower and Transmigration Office of South Sulawesi Province of Rp. 400,000, - per month.
OPTIMALISASI PENJUALAN SUPLEMEN PADA PT. MERCK INDONESIA Nuhung, Mahmud
Jurnal Ekonomi Balance Vol 8, No 2 (2012): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

Research aims to explain the factors that influence theoptimization of the sales, as well as analyzing sales volume growthsupplements on PT Merck Indonesia. collected data are secondary data,such as cost of promotion, distribution channels, pricing, and value ofsales. hypothesis testing using multiple regression. The results showedthat simultaneous promotion costs, distribution costs, and the cost ofgoods sold have a significant effect on the increase in value sales of PTMerck Indonesia and promotion costs are partially dominant variableinfluence on the increase in value of sales at PT Merck Indonesia
PENGARUH FAKTOR MOTIVASI TERHADAP KINERJA PETUGAS LAPANGAN KELUARGA BERENCANA. Jusriadi, Edi
Jurnal Ekonomi Balance Vol 5, No 2 (2009)
Publisher : Universitas Muhammadiyah Makassar

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Abstract

 Abstrack This study aims to: (1). To assess and determine the effect of variable legal sanctions (X1), discipline (X2), awards (X3), work environment (X4), education and training (X5) on the performance of family planning officer in the Department of Population Civil and Family Planning Poso, ( 2). Assessing the dominant factor affecting the performance of family planning officer in the Department of Population and Family Planning Civil Poso district. The results showed that the factor of legal sanction, discipline, respect, work environment, training and education affect the performance of family planning officer in the Department of Population Civil and Family Planning Poso district with a significance level F 0.027, where f count (4,927)> f table (2 , 37), the value of multiple correlation coefficient (R) is equal to 0.761, coefficient of multiple determination (R2) is approximately 0,600, with the rate of change of independent variables influence of variation of 60%, while the remaining 40% is explained by other variables that can not investigated. Work environment factors dominant influence on the performance of family planning officer in the Department of Population and Family Planning Civil Poso, with a significance level of 0.575, where tcount 2.537> 1.671 ttabel. Keywords: Motivation, Field Workers, Family Planning Penelitian ini bertujuan : (1). Untuk mengkaji dan mengetahui pengaruh variabel sanksi hukum (X1), disiplin (X2), penghargaan (X3), lingkungan kerja(X4), pendidikan dan pelatihan (X5) terhadap kinerja penyuluh KB pada Dinas Kependudukan Catatan Sipil dan Keluarga Berencana Kabupaten Poso, (2). Mengkaji faktor yang dominan memengaruhi kinerja penyuluh KB pada Dinas Kependudukan Catatan Sipil dan Keluarga Berencana Kabupaten Poso. Hasil penelitian menunjukkan bahwa faktor sanksi hukum, disiplin, penghargaan, lingkungan kerja, pendidikan dan pelatihan memengaruhi kinerja penyuluh KB pada Dinas Kependudukan Catatan Sipil dan Keluarga Berencana Kabupaten Poso dengan tingkat signifikasi F 0,027, di mana f hitung (4,927 ) > f tabel (2,37), nilai koefisien korelasi berganda (R) adalah sebesar 0,761, Koefisien determinasi berganda (R2) adalah sebesar 0,600, dengan tingkat pengaruh variasi perubahan variabel bebas 60%, sedangkan sisanya sebesar 40% dijelaskan oleh variabel lain yag tidak diteliti. Faktor lingkungan kerja berpengaruh dominan terhadap kinerja penyuluh KB di Dinas Kependudukan Catatan Sipil dan Keluarga Berencana Kabupaten Poso, dengan taraf signifikasi sebesar 0,575, di mana nilai thitung 2,537 > ttabel 1,671. Kata Kunci : Faktor Motivasi, Kinererja Petugas Lapangan, Keluarga Berencana
Pengaruh Kompetensi Sumber Daya Manusia Terhadap Kinerja Pengelola Koperasi Di Kabupaten Barru Ibrahim, Lilly
Jurnal Ekonomi Balance Vol 7, No 2 (2011): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

The study aims to analyze the extent of communication competence, teamwork, leadership, termination of an analysis of the opinion that employees have on the performance of cooperatives in Barru managers.The population of this study are all managers of cooperatives in Barru with a total sample of 65 persons. Data analysis method used is multiple regression analysis using SPSS 18 in the processing of primary data, in order to obtain information about the influence of independent variables on the dependent variable either simultaneously or partially.Results showed that communication ability factor Simultaneously, the ability of cooperation, leadership, and analytical decision-making significantly influence the performance of cooperatives in Barru. Analytical decision-making variables are the dominant variables influence the performance terahadap managers of cooperatives, cooperative means that if managers can make decisions with proper analysis, the foundation managing the performance of cooperatives is also expected to increase. Partial test also showed that the analytical decision-making variables have positive and significant impact on improving the performance of cooperative managers.The author suggests that the government through the Department of Cooperatives in Barru Regency to do a series of efforts to improve the ability of managers of cooperatives through education and training activities so that the cooperative management of communication skills, collaboration skills, and analytical decision-making can be improved.
MANFAAT EKONOMI KELANGSUNGAN EKONOMI EKOSISTEM TERUMBU KARANG DI PERAIRAN INDONESIA Hasbiullah, Hasbiullah
Jurnal Ekonomi Balance Vol 5, No 1 (2009): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

Abstrack  This paper aims to know the economic benefits (use value) and the value of the unused (non-use value) of the coral reef ecosystem in the waters of the islands in Indonesia.The economic benefits for the survival of coral reefs in the waters of Indonesia, which consists of direct benefits, indirect benefits, benefits of choice, the benefits of the existence and benefits of fisheries.From all the above economic benefits have been felt by the fishing community and other user communities, such as fishermen can add pengasilan for abundant fish while other communities such as travelers can benefit from the beauty of the seabed and the benefits of diving as a benefit of being. Key Word : Economic Benefits, The Coral reef Ecosystem, The Water of Indonesia  AbstrakPenulisan ini bertujuan untuk megetahui manfaat ekonomi (use value) dan nilai yang tidak dimanfaatkan (non use value) dari ekosistem terumbu karang di perairan pulau-pulau di Indonesia.Manfaat ekonomi bagi kelangsungan ekosistem terumbu karang di perairan Indonesia yaitu terdiri dari manfaat langsung, manfaat tidak langsung, manfaat pilihan, manfaat keberadaan dan manfaat usaha perikanan.Dari kesemua manfaat ekonomi di atas telah dirasakan oleh masyarakat nelayan dan masyarakat pengguna lainnya, misalnya bagi nelayan dapat menambah pengasilan karena ikan melimpah sementara masyarakat lainnya seperti pelancong dapat merasakan manfaat keindahan dasar laut  dan manfaat diving sebagai manfaat keberadaan. Kata Kunci:  Manfaat Ekonomi,  Ekosistem Terumbu Karang, dan Perairan Indonesia.
PEMAHAMAN NASABAH TENTANG KONSEP MUDHARABAH (Studi Pada BMT Ditha Anugerah Abadi Makassar) Rasulong, Ismail
Jurnal Ekonomi Balance Vol 7, No 1 (2011): Jurnal Ekonomi Balance
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Abstract

This study aims to analyze the influence of product factors, religious factors, and social class factors on the understanding of BMT customers and to explain the dominant factor of influence on the understanding of BMT customers. This research is eksplanasi, data collection method is survey on selected respondents with the number of samples of 50 people. Data analysis using multiple regression. The results showed that product factors, religious factors, and social class factors have a significant positive effect on the understanding of BMT customers about the concept of mudaraba. All three factors have a strong correlation level to the understanding of customers with a determination of 58.5%. This means that these three factors are the decisive factors that can assist the customer in understanding the concept of mudaraba system. Further partially, there is one factor that is not siginfikan influence on customer understanding, while the other two factors namely product factors and religious factors have a significant positive effect. The effective contribution of these three factors is: religious factor contributes effectively to 20.2% of customer understanding, religious factor with effective contribution of 33.1%, and factor three is only 1.5%. based on partial test, it is known that religious factor is the most dominant factor affecting customers understanding.
PENGARUH MOTIVASI, KEMAMPUAN, DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA KOPERASI SIMPAN PINJAM DI KECAMATAN MANGKUTANA KABUPATEN LUWU TIMUR Pasigai, Moh. Aris
Jurnal Ekonomi Balance Vol 8, No 1 (2012): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Motivasi, Kemampuan, dan Lingkungan Kerja Terhadap Kinerja Karyawan Pada  Koperasi Simpan Pinjam di Kecamatan Mangkutana Kabupaten Luwu Timur. Jumlah sampel yang digunakan dalam penelitian ini sebanyak 52 responden. Pengumpulan data dilakukan dengan teknik survey melalui penyebaran kuesioner yang terdiri dari 12 item pertanyaan.Hasil pembahasan dan analisis yang dilakukan terhadap penelitian ini diketahui bahwa motivasi (X1) berpengaruh sebesar 0,127, kemampuan (X2) sebesar 0,187, dan lingkungan kerja (X3) sebesar 0,760 terhadap kinerja karyawan di tujuh Koperasi Simpan Pinjam yang di Kecamatan Mangkutana Kabupaten Luwu Timur. Hasil pengujian terhadap terhadap variabel-variabel penyebab diketahui bahwa variabel motivasi (X1), kemampuan, dan lingkungan kerja berpengaruh secara signifikan baik secara parsial maupun simultan. Ketiga variabel ini menjadi faktor penentu (sebesar 39%) terhadap kinerja karyawan di tujuh Koperasi Simpan Pinjam yang ada di Kecamatan Mangkutana Kabupaten Luwu Timur. Dan sisanya sebesar 61% merupakan faktor lain yang tidak dimasukkan dalam analisis dan model ini.
ANALISIS STRATEGI SEGMENTASI PASAR TERHADAP TINGKAT PENJUALAN RUMAH PADA PT. BUMI RESKITA MAKASSAR Sangkala, Abdul Aziz
Jurnal Ekonomi Balance Vol 5, No 1 (2009): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

AbstrackThe purpose of this paper is to determine the policy of market segmentation strategy determine the level of home sales at PT. Bumi Reskita Makassar.PT. Bumi Reskita Makassaris one company that is engaged in the construction of housing to build and market the house with various types of residential houses and shophouses type either the middle class or to the upper middle class. The basics of market segmentation is divided into three, namely: The Geographic Dimension (of Regional), Dimension Demographic (Population) and Dimension Psychographics (Life Style).The increase in the volume of home sales that the authors obtained from 2003 to 2007, the data is intended to describe the real to the concerned to know the activity or activities of PT. Earth Reskita Makassar. The influence of effective market segmentation is very influential on the increase in home sales. Key word : Market Segmentation, The Level of Home Sales  Abstrak Tujuan penulisan ini adalah untuk mengetahui mengetahui kebijakan strategi segmentasi pasar terhadap tingkat penjualan rumah pada PT. Bumi Reskita Makassar.PT. Bumi Reskita Makassar merupakan salah satu perusahaan yang bergerak dalam bidang pembangunan perumahan yang membangun dan memasarkan rumah dengan berbagai jenis type rumah tinggal maupun ruko baik yang kelas menengah maupun untuk kelas menengah ke atas.  Dasar-dasar segmentasi pasar terbagi atas 3, yaitu : Dimensi Geografis (Kedaerahan), Dimensi Demografis (Kependudukan) dan Dimensi Psikografis (Gaya Hidup, Life Style). Peningkatan volume penjualan rumah yang penulis peroleh dari tahun 2003 hingga tahun 2007, data tersebut bermaksud untuk menggambarkan secara nyata kepada yang berkepentingan untuk mengetahui kegiatan atau aktivitas dari PT. Bumi Reskita Makassar.  Pengaruh segmentasi pasar yang efektif sangat berpengaruh terhadap peningkatan penjualan rumah. Kata Kunci : Segmentasi Pasar, Tingkat Penjualan Rumah.
PENGARUH ALOKASI DANA DESA (ADD) TERHADAP KESEJAHTERAAN MASYARAKAT DESA DI KABUPATEN TAKALAR Rusydi, Muhammad
Jurnal Ekonomi Balance Vol 8, No 2 (2012): Jurnal Ekonomi Balance
Publisher : Universitas Muhammadiyah Makassar

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Abstract

Pembiayaan atau keuangan merupakan faktor vital dalam mendukung penyelenggaraan otonomi desa, sebagaimana juga pada pelaksanaan otonomi daerah. Untuk mengatur rumah tangganya sendiri, desa memerlukan dana/biaya yang memadai untuk melaksanakan semua kewenangan yang dimilikinya. Sejak tahun 1999, yaitu sejak penerapan Undang-Undang Nomor 22 tahun 1999 yang dilanjutkan dengan Undang-Undang nomor 32 tahun 2004 tentang Pemerintahan Daerah, pemerintah menerapkan kebijakan pemberian dana segar (grant) ke desa-desa melalui program kebijakan Alokasi Dana Desa (ADD). Bila tahun 2001 sebagai tahun efektif pelaksanaan Undang-Undang nomor 22 tahun 1999, berarti usia kebijakan ADD telah mencapai 10 tahun atau 1 (satu) dasawarsa per tahun 2011. Berarti sudah sekitar 10 tahun desa diberikan kewenangan untuk mengatur pembangunan dan pemerintahannya sendiri dengan dukungan dana dari pemerintah pusat/kabupaten/kota.

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