Mediatrend

1-19

Authors: Jose Rizal Joesoef, Sulistiyanti, Andreas Prasetia

It is well understood that transportation improves the accessibility and transportation is needed in production and consumption activities. This study is aimed to describe the pattern of the movement of people and goods among districts/cities within the Province of East Java, to estimate the density of people and goods, and to measure the inequality of transport density. This study is also to test whether transport affects welfare. It is found that the Malang District and Surabaya City are the most destination of goods transport. Regression analysis shows that the density of transport only affects the welfare (as measured by the HDI) when together with other variables, namely poverty and GDP/capita. However, partial density of transport has no effect on the welfare. Keywords:Transportation, trip generations, trip attraction, inequality, welfare

35-51

Authors: Trimulato

Shari’ah banking currently has a strong legal standing with the presence of the Undang- Undang 21, 2008 on banking Shari'ah. It is very influential on the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank is better known by the profit-sharing system has a range of products that use Mudaraba and Musharaka contract, considered more equitable for all parties. But from the available data suggests that the financing is not dominant. Murabaha Islamic banks are greater than the modaraba. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including Islamic banks. Financing products with modaraba it is appropriate to sustain the business capital of SMEs. Based on data from the central statistical agency that the growth of SMEs in 2010 amount to 55,206,444 units in 2012 to 56,534,592 units experiencing good growth, so it takes a good response for Islamic banks. This paper uses descriptive qualitative limitations in this paper is focused on products of financing in an Islamic bank and real sector SMEs. This paper uses literature study from various sources. The results of this paper that the potential for product development in Islamic bank financing is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This shows that the products of financing in Islamic banks are very suited to the conditions and character of SMEs. Mudharabah product development potential is still very large and very spacious. Keywords: Bank of Shariah, Mudharabah and real sector SMEs

69-64

Authors: Abdul Rahmat, Mansur Kadir

The purpose ofthis study was todetermine the relationshipbetween theDisciplineof WorkandLocalPerformanceAllowancewith theAdministrativePerformance for social welfare Atthe Department of AgricultureCrops andFood Securityandthe Environment AgencyPohuwato. The method usedin this studyarecorrelationalsurvey method. This method was chosenas a techniquedesigned to find outhow much the relationshipbetween the independent variables(indevendent variable)with the dependent variable(devendent variable). Inthis study, there are two independent variablesandone dependent variable. The independent variablesnamely, labor discipline(X1) andthe RegionalPerformanceAllowance(TKD) (X2) while the dependent variableis theAdministrativePerformance(Y). Based on the resultsanddiscussion of this researchcan be concluded that: 1) Work Disciplinehas a significant influenceon the performance ofthe officials atthe Department of AgricultureCrops andFood Securityandthe Environment AgencyPohuwato, it canbe seen inthat thecalculation ofthe product moment correlationriscounted0.811at the significance level(0.05), the priceof0,239r table, the count r>rofthe table so thatwe can concludethe existence ofa significant effect, while theeffectkekutancriteriaintervalarithmeticcoefficientr0.811, which means relativelystronginfluenceon the performance ofthe apparatusof labor disciplineinthe Department of AgricultureplantationsandFood Securityandthe Environment AgencyPohuwatorelativelystrong. Whiletof0.957andcomparedt tablewith a significance levelof0.044(0.05) turns outt count>t tablewiththe senseofthe hypothesis is acceptedwhich impliesa very significant influence. 2) RegionalPerformanceAllowance(TKD) has asignificant influence on theAdministrativePerformanceinthe Department of AgricultureCrops andFood Securityandthe Environment AgencyPohuwato, it canbe seen inthat thecalculation ofthe product moment correlationrcountedwas0.922at the significance level(0.05) pricertable is0.098then thecount r>rofthe tableso thatwe can concludethe existence ofa significant effect, while theeffectkekutancriteriaintervalarithmeticcoefficientr0.922, which means relativelystronginfluenceon the PerformanceTKDApparatusas verystrong. Whiletof0.957andcomparedt tablewith a significance levelof0.044(0.05) turns outt count>t tablewiththe senseofthe hypothesis is acceptedwhich impliesa very significant influence, 3) RelationshipbetweenWork DisciplineandRegionalPerformanceAllowance(TKD) is together have asignificant effect on theAdministrativeperformanceinthe Department of AgricultureCrops andFood Securityandthe Environment AgencyPohuwato. Itcan be seen inthe strengthitsWork Disciplineand performance benefitsarea(TKD) jointlyon the performance ofthe apparatus, comparing thecount rwithr tableit is knownthat0.811>0.239, the correlationstrengthboth havequitea significant effect. Keyword: Discipline, performance, andapparatus

99-112

Authors: Adi Santoso

Theaim at the study to examineandanalyze theimpact growth of profitability through its capital adequacy ratio, operating expense to operating income, loan to deposit ratio and non perfoming loan in the banking industry go public in indonesia. This study used 29 banking companies in indonesia were selected as sample. The results show that operating expense to operating income and loan to deposit ratio have significantly effect to return on asset while the capital adequacy ratio,and non perfoming loan not significantly effect to return on asset. Capital adequacy ratio, operating expense to operating income, loan to deposit ratio and non perfoming loan not significantly effect to return on equity. While for variable stock returns are significantly influenced only by the capital adequacy ratio, operating expense to operating income, loan to deposit ratio, return on asset and return on equity while non perfoming loan not significantly effect to stock returns Keywords : stock returns, return on asset, return on equity, capital adequacy ratio, operating expense to operating income, loan to deposit ratio and , non perfoming loan