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    ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KONSUMSI DI INDONESIA MENGGUNAKAN ERROR CORRECTION MODEL (ECM) PERIODE TAHUN 1994.1–2005.4

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    The aim of the implementation of this research was to know whether the national income, the interest rate of the fixed deposit, and the interest rate of credit had the influence that was significant or not towards consumption in Indonesia, and whether being gotten by long-term and short relations towards consumption. The methodology that was utilised in this research was the Error Correction Model method (ECM) that from the OLS method, with before carried out steps as follows, that is the test, the integration test and the test of the co-integration approach of the unit root. And the data that was used in this research was the secondary data in a kwartalan manner in the period 1994:1 up to 2005:4. Was based on results of the research that was carried out, then could be concluded that results of the test of the unit root, showed all variable was not yet stationary and just was stationary in the level test of the integration. While results of the co-integration test showed the stationary consumption model so as to be able to be carried out by the test of ECM. And the results of the Error Correction Model test (ECM) showed that in the long term the national income variable had the influence that was significant towards consumption. The interest rate of the Fixed Deposit in the long term and short-term did not have the influence on consumption. The interest rate of Credit in the long term and short-term also did not have the influence that was significant towards consumption.Keywords :Real Consumption, Real GDP, Deposit Interest Rate, Credit Interest

    PENETRASI BANK ASING DAN PENGARUHNYA TERHADAP KOMPETISI PERBANKAN YANG DIUKUR DENGAN PENDEKATAN CONJECTURAL VARIATION DI INDONESIA

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    This study examines the effect of foreign bank penetration on banking competition in Indonesia. Penetration of foreign banks is measured by using the ratio between total assets, total loans and total deposits of foreign banks to total assets, total loans and total deposits of the banking industry in Indonesia, such as those used by Levy and Micco (2007). Bank concentration is measured by using Concentration Ratio (CR3 and CR5) and the Herfindahl index. Bank competition is measured by using the Conjectural Variation approach as used by Cetorelli Angelini (2003). By using panel regression method with SUR (Seemingly Unrelated Regression) during 1998 to 2009, we found that the increase of foreign bank penetration will increase competition of banking in Indonesia through spillover effects on the domestic banking system. These results support the research of Jeon et al (2011).Keywords: Foreign Bank Penetration, Conjectural Variation and Bank Competitio

    FAKTOR-FAKTOR YANG MEMPENGARUHI KESEDIAAN KARYAWAN MEMBAYAR ZAKAT PROFESI MELALUI PEMOTONGAN GAJI ( STUDI KASUS DIREKTORAT JENDERAL PERBENDAHARAAN NEGARA DEPARTEMEN KEUANGAN REPUBLIK INDONESIA)

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    This study aims to look at what factors affect the willingness of employees to pay profession zakah through payroll deductions within the Directorate General of Treasury Ministry of Finance Republic of Indonesia. The method used in this research is descriptive and multiple regression methods. Descriptive analysis is a systematic overview, factual and accurate as to facts, properties, and the relationship between the phenomena under investigation. While linear regressionis intended to determine whether or not the influence of independent variables on the dependent variable. Samples used in this study as many as 96 respondents. The analysis was using of SPSS version 12. These results indicate that the variables of education, income, religious knowledge and confidence to LAZ significantly affect the employee’s willingness to pay profession zakah through salary reduction. Marital status variable did not significantly affect. Value of coeficient of determination (adjusted R²) is 0876 or 87.6%, which means that the independent variables can explain the dependent variable willingness to pay zakat though employee wage withholding of 87.6%, while the remaining 12.4% is explained by other factors not included in the model.Keywords: willingness to pay, profession zakah, salary reduction

    HUBUNGAN ANTARA SIKAP KONSUMEN DAN NORMA SUBJEKTIF DENGAN MINAT NASABAH UNTUK BERTRANSAKSI LOGAM MULIA DI PEGADAIAN SYARIAH (STUDI KASUS : PEGADAIAN SYARIAH CABANG KRAMAT RAYA, JAKARTA )

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    The purpose of this study was to determine whether the belief factor, the evaluation results, subjective norm and motivation have a correlation consumer interest in “logam mulia” sharia pawnshop transaction. Analytical techniques used in this study is correlation. Samples used in this study as many as 91 respondents. The results of this study showed that consumer interest to conduct transactions in “logam mulia” sharia pawnshop transaction is not related to his conviction, while the evaluation of results, subjective norms, and motivation have a positive relationship with consumer interest in “logam mulia” sharia pawnshop transaction.Keywords : Consumer confidence, Evaluation of results, Subjective norms, Motivation, The consumer’s interest

    FAKTOR-FAKTOR YANG MEMPENGARUHI TOTAL PENERIMAAN PAJAK NEGARA DAN EFEKTIFITAS PERATURAN PERPAJAKAN

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    This research aims to analyze and gain empirical evidences on factors which influence both state taxes revenues and the efectivity of tax provisions to increase state revenues from tax sector. This research uses components on GDP, which are both from production sides and sides from expenditures. To measure the effectivity of tax provision, this analysis will uses total revenues of each tax

    ANALISIS STRUKTUR PASAR, PERILAKU DAN KINERJA INDUSTRI MASKAPAI PENERBANGAN DI INDONESIA TAHUN 2007-2011

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    The purpose of this study is to determine how the structure, behavior, and performance of the airline industry in Indonesia. And to know how much influence the structure, conduct and performance of a airline industry in Indonesia. As measurement of market structure use the Concentration Ratio (CR4), Herfindahl index-Hirchman (IHH) and use panel regression, to analize the impact of structure and conduct to word performance use domestic airline companies in Indonesia in period 2007-2011. The results showed the level of concentration ratio (CR4) ranged from 69.316% 87.896%, it can be said the structure of the airline industry is an oligopoly tight in period 2007-2011. By using Herfindahl-Hirschman index, which have range from 0.14718 to 0.25599, means, Indonesia’s aviation industry structure is not monopoly because it is not close to 1, the airline companies is competitive with high concentration, the market characterized by competition among the four dominant firms aviation industry in Indonesia in terms of passenger numbers. The panel regression use Fixed Effect, and F test results explained that the structure, the behavior of a significant effect on the performance variables. The amount coeficient of determination (R²) is 0.979771, this shows that the ability of the independent variables in explaining the variation of the dependent variable by 97,97% and the remaining 2,03% is explained by other variables outside the model.Keywords: Oligopoly, CR4, IHH, Panel Regression, Structure, Behavior, and Performance

    ANALISIS EFISIENSI INDUSTRI ROKOK DI INDONESIA DENGAN MENGGUNAKAN METODE DEA (DATA ENVELOPMENT ANALYSIS) TAHUN 2006 - 2008

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    This study aims to determine the efficiency levels of cigarettes industry inIndonesia. The analysis tools used in this study is the DEA (Data Envelopment Analysis)method of analysis. Expecially for the “Go Public” firms those are PT BAT Indonesia, PT Bentoel, PT Gudang Garam, PT HM Sampoerna. The research, used secondary data, from the Indonesian Capital Market Directory year 2006 - 2008. Variables used in the study consist of four input variables and two output variables. Its input variables consist of labor, Debt, Capital, and Total Asset, whiles its output variable consist of Net Sales and Gross Profit. The research results show that there only two companies that consistent to maintained the level of efficiency of 100% during the study, namely PT BAT Indonesia and PT HM Sampoerna. Meanwhile, two other companies show their performance levels efficiency have not stabillized during the study, namely PT Bentoel and PT Gudang Garam.Keywords : Efficiency, DEA, Cigarette Company, Labor, Debt, Capital, Total Asset, Net Sales, Gross Profit

    PENGARUH ZIS (ZAKAT, INFAK, SEDEKAH) DAN ZAKAT FITRAH TERHADAP PENURUNAN KEMISKINAN DI INDONESIA PERIODE 1998 - 2010

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    Poverty is being a problem in all developing countries including Indonesia. Among goverment programs, poverty has become the center offattention in policy at both of the regional and national levels. Looking at thephenomenon of poverty, Islam present with solution to reduce poverty through Zakat. This study aims to analyze the effect of ZIS and Zakat Fitrah against poverty in Indonesia in 1998 until 2010, data used in this study is secondary data and uses time series data, for the dependent variabel is poverty and for independent variables are ZIS and Zakat Fitrah. The analysis tools used in this study is to use multiple regression analysis model and the assumptions of classical test using the software Eviews-4. In this study also concluded that the ZIS variables significantly affect to the reduction of poverty in Indonesia although the effect is very small. In the variable Zakat Fitrah not significantly affect poverty reduction in Indonesia because of the nature of Zakat Fitrah is for consumption and not for long-term needs. The results of this study can be used for the management of zakat to be able to develop the management and to get a better system for distribution of zakat so that the main purpose of zakat can be achieved to reduce poverty.Keywords : Poverty, Zakat Fitrah, ZIS

    PENGARUH INFRASTRUKTUR TERHADAP PRODUKTIVITAS EKONOMI DI PULAU JAWA PERIODE 2000-2008

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    Enik WidayatiKaryawan PT. Cikarang InlandportEmail : [email protected] is a means to realize the success of a region to increase economicproductivity will also increase economic growth. Economic infrastructure (roads,electricity, telephone, and water) have the potential for it. Like the way that can reducethe cost transoprtasi and simplify the transportation of goods, clean water is available toimprove the quality of healthcare. In this study authors would like to know how theinfluence of economic infrastructure such as roads, electricity, telephone and water supplyon economic productivity in Java (DKI Jakarta, West Java, Central Java, Yogyakarta, EastJava and Banten). The analysis was done using panel data is the data infrastructure(roads, electricity, telephone and water) from 6 provinces in Java Island from 2000 until2008. Processing is accomplished using the eViews 6 with Fixed Effects method. Theregression result shows that the economic infrastructure (roads, electricity, telephone,and water) effect on productivity. Road infrastructure to provide the greatest effectcompared with other infrastructure. So the policy implications of the results of this studyis that the government should pay more attention to infrastructure development becauseof infrastructure will greatly contribute in the economic productivity of priority areas,especially the handling of road infrastructure.Keywords: Productivity, infrastructure roads, electricity, telephone, and water suppl

    ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT PEMANFAATAN SISTEM INFORMASI DAN PENGGUNAAN SISTEM INFORMASI PADA PASAR SWALAYAN (HYPERMARKET, SUPERMARKET DAN MINIMARKET) YANG TERDAFTAR DI JAKARTA

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    This study aimed to analyze the factors that affect the interest of information systems and use of information systems in Supermarkets are using five factors: (1) Performance Expectations, (2) Expectations Enterprises, (3) Social factors, (4) Interest Utilization and information systems (5) The conditions that facilitate users. This study took a sample of 60 Supermarket registered in Jakarta with convenience sampling method. Results of this study prove that performance expectations have an influence on the interest of information systems, while expectations of business and Ssocial factors has no effect on the interest of information systems. While interest in the utilization of information systems and conditions that facilitate the user has an influence on the use of information systems.Keywords: performance expectations, expectations of business and social factors

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