KARYA DOSEN Fakultas Ekonomi UM
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The problem of underinsurance and future development of the insurance industry: Studies in Australia
No full text Australia is categorised as underinsurance country in the world because only 33 per cent of the population who has life insurance. This report is written to provide an analysis about the future of insurance lndustry with regard to that problem. The data is collected through interview with the representative of the companies. The sample is three insurance companies and one investment company which all are Adelaide-based companies. The literature reviews was used to support the argurnents that are developed during the interview. The finding shows that there are five factors that cause underinsurance problem; the govemrnent rules, knowledge about insurance, people’s perspective on insurance company, the economic factor, and the existence of life insurance within superannuation. The problems make the insurance companies develop the products and offer them by using more professionally marketing channel. The finding change the view of the writer. The undennsurance problem is caused by more sophisticated factors than which were proposed in preliminary report. Superannuation which was thought as a competitor is found as business partner in the insurance industry. The direct marketing no longer uses door to door salesman but through Internet. This research also found that the governrnert role in overcoming underinsurance problem is minimal. The government pus more consideration into regulation that makes the Insurance works harder to sell insurance. It is recommended in future research to increase the sample size to get a more comprehensive result. Keyword: underinsurance problem, insurance industry, development
ANALISIS PENGARUH KINERJA KEUANGAN TERHADAP KEBIJAKAN DIVIDEN KAS
No full textThis research examined the relationship between financial petformance and cash dividend policy on manufacturing industry in the Indonesia Stock Exchange. Multiple linier regression method was used to assess the relationship between five financial ratios; current ratio, debt to equity ratio, net profit margin, earnings per share, and return on equity; as the proxy of the financial performance and the dividend payout ratio as the proxy of cash dividend policy. The samples are manufacturing companies which has the complete data in the period 1993 to 2002. The sample firms must be list before 1993 and to ensure the completeness of the data, 67 companies were chosen by using the sample selection procedure. This research is divided into three periods; before crisis, on crisis, and after crisis to show the effect one conomic crisis to the dividend policy. The study found non-significant relationship between independent variables and dividend payout ratio either simultaneously or individually on before crisis period. On the crisis period, the regression showed the significant relationship between independent variables and dependent variable but individually, only current ratio that has a strong effect to the dividend payout ratio. After the crisis period, the study found that there is a significant relationship between independent variables and dependent variable but only current ratio that gives a strong influence to the dividend payout ratio.Keywords: earnings per share, current ratio, net profit margin, debt to equityratio. return on equity, dividend payout rati
DINAMIKA PANDANGAN TENTANG RISIKO DAN KETIDAKPASTIAN EKONOMI
No full textPemikiran ekonomi klasik telah banyak membantu perkembangan teori ekonomi waiaupun pemikiran ekonomi klasik yang dipelopori oleh Adam Smith menggunakan beberapa asumsi yang sering bertentangan dengan praktik ekonomi di masyarakat. Salah satu asumsi yang dimaksud adalah bahwa dalam pasar sempurna, pembeli dan penjual diasumsikan secara sempurna mempunyai informasi lengkap dan gratis tentang kualitas barang dan jasa yang dipeijualbelikan di pasar. Dalam praktik ekonomi, informasi yang diterima oleh pelaku ekonomi sering tidak simetri. Penjual memiliki informasi lebih lengkap tentang barang/jasa yang dijual dibanding pembeli. Asimetri tersebut menimbulkan ketidakpastian yang berujung pada risiko. Untuk menghadapi asimetri informasi, Harry Markowitz ekonom Amerika telah mengembangkan sebuah teori untuk mengurangi ketidakpastian investasi yakni dengan melakukan deversifikasi investasi, portofolio investasi yang mempunyai hubungan positif sempurna. George Arthur Akerlof ekonom Amerika, melalui kajiannya tentang informasi asimetri di pasar mobil bekas juga memberikan dasar dalam pengambilan keputusan pasar jika satu fihak mempunyai lebih banyak informasi tentang produk/jasa dibanding fihak lainnya. Selanjutnya, Sir James Alexander Mirrlees dan William Vickrey, ekonom Skotlandia mengembangkan sebuah konsep yang sangat lengkap tentang dampak dari informasi asimetri terhadap informasi privat, moral hazard, dan pilihan terbalik (reverse selection). Perkembangan pemikiran terakhir tentang ketidakpastian informasi berasal dari para ekonom syariah yang mengembangkan konsep menghindari ketidakpastian dengan konsep asuransi mutual, di mana tiap anggota baik secara individu maupun secara bersama-sama berperan sebagai penanggung sekaligus tertanggung. Konsep yang dikembangkan berdasar pada kepercayaan dengan menggunakan konsep bagi hasil (mudharabah) dan konsep tabarru ’ sebagai akad sedekah.Kata kunci: risiko, ketidakpastian ekonom
Penelitian dan Pengkajian Tentang Pemanfaatan Ragam Sosial Kultur Masyarakat di Kota Mojokerto Dalam Hubungannya dengan Perubahan Sosial Budaya
No full textMojokerto merupakan salah satu wilayah yang multikultural. Kebenaran pernyataan ini dapat dilihat dari kondisi sosio-kultural dan geografis yang begitu beragam dan luas. Dalam berbagai kepustakaan memandang Mojokerto sebagai wilayah multikultural dengan keragaman budaya, bahasa dan variasi ragam yang ada. Keragaman budaya tersebut merupakan khazanah bangsa yang sangat bernilai, tetapi di sisi lain, keragaman yang tidak terkelola akan dapat menimbulkan berbagai persoalan. Ketimpangan ekonomi, sosial, politik dan ketidak mampuan masyarakat dalam memahami keragaman mengakibatkan terjadinya pertikaian antarkelompok.Usaha untuk membangun wilayah yang multikultural, yaitu kondisi masyarakat yang memberi apresiasi terhadap perbedaan-perbedaan kultural,ras, dan etnis (Speight dalam Deetz 1993: 433) atau pengakuan bahwa beberapa kultur yang berbeda dapat eksis dalam lingkungan yang sama dan memberi manfaat satu sama lain (Rogers & Steinfatt 1999:238) masih dalam tahapanmencari bentuk. Dalam perspektif komunikasi, Robinson (2000) memandang bahwa sebagai bagian dari masyarakat multikultural, selama ini kita belum melakukan komunikasi lintas budaya yang bermakna, yang mampu memberi ruang bagi sebuah relasi antar manusia dalam meminimalkan kesalahan budaya
PERBANDINGAN INTENSI KEWIRAUSAHAAN MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI MALANG: JURUSAN AKUNTANSI, MANAJEMEN DAN EKONOMI PEMBANGUNAN
No full textThis study has been conducted to compare the entrepreneurial intentions among the students of Economics Faculty State University of Malang in the three different departments namely Accounting, Management and Economic Development. Survey towards 300 students from those three different departments reveal that entrepreneurial intentions among all students are not influenced significantly by working experience. Meanwhile, self efficacy influence entrepreneurial intention only among Accounting students. On the other hands, the results of this study indicate that instrumental readiness becomes key factor that influence entrepreneurial intention among the Management and the Economic Development students. The findings in this study also indicate that the need for achievement has no statistically significant impact. Moreover, this study is expected to be insight for universities and government institutions. Keywords: entrepreneur intention, needs for achievement, self efficacy,instrumental readiness
PENGARUH LOCUS OF CONTROL TERHADAP HASIL BELAJAR MAHASISWA AKUNTANSI
No full textLocus of Control is a term in psychology which refers to person ’s belief about what causes the good or bad results in his or her life (Rotter, 1996). Locus of control, according to Rotter’s approach, can be divided into two separate sources of control: internal and external. This study is designed to explore about how the students learning behavior which is a part of their life on the basis of personality characteristics, fixed learning time and their learning style. For conducting this study, 50 modified statements are used from Rotter’s Locus of Control scale with four points likert scale. Population of this research are Accounting students in State University of Malang. By 193 responden were taken as samples. Sampling methode was done by convenience. The result shows that internal locus of control have significant effect on student’s achievement but this research can’t prove correlation between external locus of control and student ’s achievement. Keywords: Locus of Control, Students ’Achievement
Earning Per Shar (EPS), Book Value (BV), dan Harga Saham
No full textThe study aims to determine the effect Earning Per Share (EPS), Book Value (BW), and Economic Value Added (EVA) on the stock price. The property and real estate corporate listed in IDX were used as the object of research. Based on the purposive sampling method 10 companies were selected as the samples. By Using the multiple linear regression method, the results were indicated that only the BVwas have a significant effect on stock prices, while EPS and EVA were not have a significant effect on stock prices. Simultaneously, EPS, BV and EVA were proved to have a significant effect on stock pncesKeywords: Earning per share, book value, economic valueadded, stock price
Implikasi Model Pembelajaran Cooperative Script Sebagai Upaya Peningkatan Kompetensi
No full textCendika Bangsa Vocational School in Kepanjen - Malang has a program that demanded by junior high school graduates who will continue their education. Programs offered includes : expertise administrative skills, accounting skills, marketing skills, engineering computer networking and many more. The majority of student are women. Student learning that applied in Cendika Nations Vocational School has begun to implement models of learning fun for the students. It because many found the process embarrassed to answer questions from teacher or friends in the class. and is still highly dependent on the acivities of the assignment of teacher to work on task that seem tedious learning and tend to be apassive. the impact of the implementation of cooperative learning model script to change the state of the student to be more active, daring to ask, afraid to answer questions and exchange ideas with classmates and teacher, improve critical thinking competencies and improving learning outcomes in hte cognitive, psychomotor and affective . Keywords: learning models, cooperative scrip
Simulasi Teori Permainan Cooperative - 3 IPD: Contoh Kasus Pengelolaan Penambangan di Panggungrejo - Blitar
No full textCooperative - 3 IPD simulation game theory could be applied in dealing with the case of how prospective stakeholders have to solve their interest in holding any kind of resource (i.e mining) management coperatively on the basis of mutual - benefit. this preliminary example gives anoutline and procedures how to do it, though in real situation it needs a number of proceding actions prior to using computer simulation by software recomended.Keyword: game theory, iterated prisoner's dilema, mining management
KEBIJAKAN PRIVATISASI BUMN DAN PENGARUHNYA BAGI PEREKONOMIAN NASIONAL
No full textSesuai dengan amanat UUD 1945 pasal 33 ayat 2, BUMN sebagai salah satu pelaku ekonomi ikut memainkan peran penting bagi keberhasilan perekonomian nasional guna mendukung keuangan negara dan meningkatkan kesejahteraan masyarakat Namun krisis ekonomi tahun 1997 telah memporakporandakan perekonomian nasional termasuk juga BUMN kita Berbagai upaya telah dilakukan pemerintah diantaranya adalah dengan melakukan privatisasi. Dari sisi makro ekonomi, keberhasilan privatisasi dapat dilihat dari sumbangannya terhadap keuangan negara dan perbaikan iklim investasi, dan pengembangan pasar modal. Walaupun kebijakan privatisasi BUMN salah satunya untuk menutup defisit anggaran, namun nampaknya tujuan kebijakan ini adalah konsep jangka pendek, dan menyesatkan jika dipaksakan untuk dijual murah di saat krisis. Sedangkan perannya terhadap perkembangan investasi dan perkembangan pasar modal ditunjukkan oleh semakin membaiknya IHSG dan tingkat kapitalisasi pasar BUMN terhadap kapitalisasi BEI, dimana BUMN menyumbang sebesar 35%. Selaku pemegang saham, pemerintah mestinya berkepentingan mendorong pengembangan usaha BUMN agar bisa rnemperoleh laba yang cukup besar serta kontribusi pajak untuk mengnrangi defisit anggaran. Kata kunci: privatisasi BUMN, perekonomian nasional