Economic Development
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Item PERKEMBANGAN INDUSTRI KUSEN DI KABUPATEN KAMPAR STUDI KASUS KECAMATAN BANGKINANG SEBERANG(2012-11-06) MarjulisABSTRACT The research was conducted in Bangkinang Seberang district Kampar regency by observation area. The purpose of this study is: to determine how the development of the door frame industrial in Kampar regency of Riau Province. The results of this study will be expected to give benefits the institutions involved inorder to make industrial development policy especially for the development of the industry in the future and information material for future research. The data used in this research were by using questionnaires, observation and interviews, and the sampling method used is the census. Where the number of entrepreneurs of door frame in the Bangkinang Seberang District were 17 units as representing of Kampar regency. The data gathered were analyzed by analysis methods that are describtive and the whole potential in the door frame industry was analyzed by using SWOT analysis to see which the strength and weak factors (internal factors) and opportunities and threats factors (external factors). The results of this research that the door frame industry in Kampar regency was unfavorable developments, it could be seen from the increasing of business units that are in the process of production. The Difficulties in getting raw materials of wood becomes a major factor why the industry is not growing. The potential of raw materials to make this industry even the production could be stopped. But still evolved from the potential workforce owned, investment / capital easily, production and government policies that still support this industry to continue to thrive.Item PROSPEK INDUSTRI KECIL FLORIST DI KOTA PEKANBARU(2012-11-23) Patra, Jefri RinaldPenelitian ini dilaksanakan di Kota Pekanbaru Provinsi Riau. Tujuan penelitian ini adalah untuk mengetahui lebih jauh prospek Industri Florist di Kota Pekanbaru di masa akan datang serta besarnya keuntungan yang diperoleh. Penelitian ini di harapkan dapat bermanfaat sebagai bahan informasi bagi pembaca dan bahan acuan bagi pihak-pihak yang berkepentingan dengan masalah ekonomi industri. Serta sebagai pertimbagan bagi pihak-pihak yang ingin menjalankan industri florist. Teknik pengumpulan data yang diambil dalam penelitian ini adalah dengan menggunakan daftar pertanyaan (questioner), interview atau wawancara dan observasi. Dan metode pengambilan sampel yang digunakan adalah “random sampling” dengan mempertimbangkan kedekatan antara peneliti dengan sampel/unit usaha, dimana jumlah populasi secara keseluruhan sebanyak 40 industri florist dan sampel sebanyak 20 industri florist. Analisis data yang digunakan adalah analisis deskriptif. Dari hasil penelitian dapat diperoleh bahwa industri florist di Kota Pekanbaru memiliki prospek yang baik ditinjau dari analisis kelayakan usaha dan perhitungan break even point (BEP), dan hasil B/C ratio. Dimana diperoleh nilai B/C ratio 1,642641161> 1, artinya industri florist di Kota Pekanbaru layak dan memenuhi kriteria untuk dijadikan usaha. Sedangkan nilai BEP per satuan produk 41 unit dan BEP penjualan produksi Rp. 981.863, artinya untuk mencapai titik impas harus memproduksi minimal 41 unit papan bunga dengan nilai penjualan produksi senilai Rp. 981.863Item Penelitian ini dilakukan di Kota Pekanbaru pada bulan Februari 2012 sampai bulan mei 2012. Tujuan penelitian ini adalah untuk mengetahui kondisi kesehatan bank pada bank riau di Provinsi Riau dengan studi kasus pada PT. Bank Riau Kepri. Analisis data yang digunakan adalah analisis stastik regresi linear sederhana dan berganda karena dikhawatirkan mengandung Multikolinearitas, dengan pendekatan analisis kesehatan bank profibilitas Return on Asset (ROA) dan Return on Equity (ROE) yang digunakan untuk memberikan gambaran tentang kondisi kesehatan bank riau di Provinsi Riau dengan studi kasus pada PT. Bank Riau Kepri Pengujiannya adalah Rasio Keuangan dengan uji regresi (Uji F). Dari hasil Uji F dengan regresi linear sederhana Rasio Keuangan yang paling signifikan adalah Rasio Biaya Operasional dengan Pendapatan Operasional (BOPO) dengan R square (R²) sebesar 70,6 % terhadap Return on Asset (ROA) dan R square (R²) sebesar 86,4 % terhadap Return on Equity (ROE). Sedangkan dari hasil Uji F dengan regresi linear berganda Rasio Keuangan memiliki pengaruh signifikan dengan R square (R²) sebesar 96,8% terhadap Return on Asset (ROA) dan R square (R²) sebesar 98% terhadap Return on Equity (ROE)(2012-11-23) Siregar, Abdul RahmanPenelitian ini dilakukan di Kota Pekanbaru pada bulan Februari 2012 sampai bulan mei 2012. Tujuan penelitian ini adalah untuk mengetahui kondisi kesehatan bank pada bank riau di Provinsi Riau dengan studi kasus pada PT. Bank Riau Kepri. Analisis data yang digunakan adalah analisis stastik regresi linear sederhana dan berganda karena dikhawatirkan mengandung Multikolinearitas, dengan pendekatan analisis kesehatan bank profibilitas Return on Asset (ROA) dan Return on Equity (ROE) yang digunakan untuk memberikan gambaran tentang kondisi kesehatan bank riau di Provinsi Riau dengan studi kasus pada PT. Bank Riau Kepri Pengujiannya adalah Rasio Keuangan dengan uji regresi (Uji F). Dari hasil Uji F dengan regresi linear sederhana Rasio Keuangan yang paling signifikan adalah Rasio Biaya Operasional dengan Pendapatan Operasional (BOPO) dengan R square (R²) sebesar 70,6 % terhadap Return on Asset (ROA) dan R square (R²) sebesar 86,4 % terhadap Return on Equity (ROE). Sedangkan dari hasil Uji F dengan regresi linear berganda Rasio Keuangan memiliki pengaruh signifikan dengan R square (R²) sebesar 96,8% terhadap Return on Asset (ROA) dan R square (R²) sebesar 98% terhadap Return on Equity (ROE)Item ANALISIS PERMINTAAN TERHADAP JASA PENGIRIMAN PADA PT.TIKI JALUR NUGRAHA EKAKURIR (JNE) TUJUAN PEKANBARU-JAKARTA DI KOTA PEKANBARU(2012-11-23) Parhusip, MarlinaJasa pengiriman adalah salah satu usaha yang berkembang saat ini, hal ini ditandai dengan banyaknya usaha sejenis yang memperebutkan pasar jasa pengiriman. Banyaknya bisnis online mengakibatkan permintaan terhadap jasa pengiriman juga meningkat. Hal ini dikarenakan dalam proses agar barang sampai ketangan pembeli menggunakan jasa pengiriman. Salah satu diantara banyaknya jasa pengiriman yang ada adalah PT.JNE. Penelitian ini dilakukan pada PT. JNE Pekanbaru. Tujuan penelitian adalah untuk mengetahui pengaruh harga, pendapatan perkapita, dan jumlah penduduk terhadap permintaan jasa pengiriman barang pada PT.JNE tujuan Pekanbaru-Jakarta. Model analisa data yang digunakan dalam penelitian ini adalah regresi linear berganda dan data yang digunakan adalah primer dan data sekunder. Adapaun hasil penelitian yang diperoleh dari uji F adalah F hitung > dari F tabel (35,384 > 19,2) yang artinya harga, pendapatan perkapita, dan jumlah penduduk berpengaruh secara signifikan terhadap permintaan jasa pengiriman JNE. Hasil perhitungan koefisien determinasi (R 2 ) adalah 0,982. Artinya adalah harga pendapatan perkapita dan jumlah penduduk mempengaruhi permintaan jasa pengiriman sebesar 98,2%Item FACTORS THAT CAUSE EXCAVATOR BRAND KOMAT'SU MORE SUPERIOR TO OTHER BRANDS IN THE CITY OF PEKANBARU(2012-11-23) Romidalisa, MimiThe research was conducted in the city of Pekanbaru to the consumer brand of heavy equipment Excavator komat'su. This study aims to determine what factors are causing komat'su excavator brand is superior to other brands in the city of Pekanbaru (Excavator bucket capacity 0.8 m3). The population in this study amounted to 45 people, and the sample used is the full sample of 100% of the amount polulasi whole, because the number polulasinya bit. The data used in the Secondary and Primary Data obtained from PT. United Tracktors, data from BPS (Central Bureau of Statistics) Riau, interviews and questionnaires. The analysis method used is descriptive analysis to classify the measured variables in order to avoid errors in determining the outcome of the data. The results showed that brand loyalty, product kenerja efficiency, customer satisfaction levels influence the factors that cause the excavator brand komat'su superior to other brands in the city of Pekanbaru. Based on these results it is suggested that the company should brand loyalty can be maintained by the company, given the competition in the market, especially for CAT and Hitachi products. Efficiency performance has been very good product based on the results of research, but it is expected to be the future continue to innovate with increasing advances in technology. Although the level of customer satisfaction is still likely than average to be expected, but the company should not be too easily satisfied with the achievements that have been obtained, so that should continue to be maintained and enhanced. Although the level of customer satisfaction is still above the average tends to the wishes but the company should not be too quickly satisfied with the achievements defended as necessary to continue to be improvedItem Factors analysis that influence society demand of Tupperware product in Bengkalis district (Case study Bengkalis subdistrict)(2012-11-23) Kurniasari, DianBengkalis Subdistrict is the place that had been chosen to hold the research. The object consist of bengkalis society, where Tupperware consumer are used as respondent. This research is aimed to know which factors that influence the consumer demand on Tupperware product in Bengkalis Subdistrict. Data that used in this research are primary data and secondary data. Both data will proceed using analysis method, where the calculation will do by using quantitative analysis, and observation will do using descriptive analysis. The sample that being use in this research are consist of 89 respondents from Tupperware consumer instead of 821 people of Tupperware member all over Bengkalis District. According to quantitative analisys there are two test should be counted, t test and Ftest. From the calculation using t test, it is delivered that t hitung> t table where t hitung 5,966 and t table 1,987. The result for Ftest calculation is F hitung> F table where Fhitung 17,980 and Ftable 3,120. Based on t test Ha that is received significant. It is delivered that the demand of Tupperware product in Bengkalis Subdistrict are depend on income and cost. According to Ftest, income has a bigger influence for consumer demand compare to the cost. It can be seen from the cost regretion value that is smaller than t table (cost regretion=-2,832< ttable=1,987). The result of R 2 calculation it self is 0,295. It shows that demand variation of Tupperware product 29,5% and the rest are influenced by others factors. According to observation using descriptive analysis, it is delivered that Tupperware product demand is influenced by product quality and Tupperware lifetime guaranteeItem The Analysis Of Mortages Demand Griya Utama At PT Bank Tabungan Negara Sudirman Branch in Pekanbaru(2012-11-23) Apri yanti, DeaniThe research is conducted by PT Bank Tabungan Negara, Sudirman Branch in Pekanbaru City. The aim of this research is to determine the factors that influence the demand on mortages at PT Bank Tabungan Negara, Sudirman Branch in Pekanbaru, to analyze the influence of income, customer service, interest rate and term of the mortage demand and to determine the factors that most effect the mortages demand, Griya Utama at PT Bank Tabungan Negara, Sudirman Branch in Pekanbaru. The research use descriptive analysis method. The sample in this study is the customers who use the product mortages at PT Bank Tabungan Negara, Sudirman Branch in Pekanbaru, as much as 42 person mortgage using purposive sampling. The result os survey is to reveal that customer service factor is the most influential factor in mortgage demands at PT Bank Tabungan Negara, Sudirman Branch in Pekanbaru.Item DEMAND ANALYSIS OF COSMETIC PRODUCTS IN SARI AYU MARTHA TILAAR PEKANBARU(2012-11-23) Sastro, Edianto DediThe research was conducted in the city of Pekanbaru to consumer products Sari Ayu Martha Tilaar. This study aims to determine the factors that influence the level of demand for cosmetic products Sari Ayu Martha Tilaar in Pekanbaru. The population numbered 250,266 people and a sample of 100 people was determined by the method Slovin. The data used in the Secondary and Primary Data obtained from PT. SAI-PKU, the Central Statistics Agency (BPS) Riau and questionnaires. The analysis method used is descriptive analysis using ordinal scale (Likert Scale) to classify the measured variables in order to avoid errors in determining the outcome of the data. The results showed that the partial variable consumer tastes which consists of the brand, quality, ekpetasi future, packaging and labels, the price of the item itself and the price of other goods greatly affect the city of Pekanbaru in selecting cosmetic products Sari Ayu as cosmetic tools they use. While consumer income variable does not affect the demand for cosmetic products Sari Ayu Martha Tilaar In the city of Pekanbaru. Based on these results it is suggested to the company to keep menajaga value of brand equity, quality, reasonable prices and promotions are always held. Besides, it is also expected the company to expand sales outlets Sari Ayu products so consumers have no difficulty in finding the products they are looking for. Thus, consumer loyalty to cosmetic products Sari Ayu will remain intact.Item ANALISIS PERMINTAAN AIR BERSIH PADA PDAM TIRTA DHARMA KABUPATEN BENGKALIS CABANG SUNGAI PAKNING DI KECAMATAN BUKIT BATU(2012-11-23) Fironi, IndraDemand for water is influenced by several factors, such as price or tarifff,income,education. PDAM Tirta Dharma Kabupaten Bengkalis Cabang Sugai Pakning must consider of debit of water to keep community can meet the deman water. Factor thar are considered as causes of increased water demann in the Kecamatan Bukit Batu must always be guarded and monitored to avoid the occurrence of water crisis in Kecamatan Bukit Batu. To find out the number of konfrehensif price or tarifff,income,education effect consumer demand for clean water community. To abtain data in this essay, the author using the quesionaie instrument to obtain data. To analyze data use quantitative analyses using thr regression formula linier berganda Result based on discussion of the main that the results obtained regression equation Y = ( 0,93) + 0,298 + 0,008+0,201+0,561. Retrieved education that the water level of income and significant demand for clean water, which is managed by PDAM. Based on the FTst with degrees significant α= 0,05 a rejected show the significant influence that the price or tarifff,income,education together affect water demand in Kecmatan Bukit Batu. Simiarly, the analysis that determinatsi obtained 60,1 % explained by all independent variabel and equal to 39,9% explained by other factor outside the modelItem DAMPAK KRISIS KEUANGAN GLOBAL TAHUN 2008 TERHADAP PEREKONOMIAN PROPINSI RIAU (ANALISIS INFLASI, PERTUMBUHAN EKONOMI, DAN EKSPOR)(2012-11-23) BahtiarThis research analyse global finance crisis impact of year 2008 to economics Provinsi Riau (analyse inflation, economic growth, and export). As for consideration constitutoing this location choice is because Provinsi Riau represent rich Provinsi with experienced resource, specially the resource energi petroleum potency. this Research target To know and analyse Global Monetary Crisis impact of Year 2008 To inflation rate, economic growth and assess exporting in Province Riau. Method analyse data which the writer use at this research is analysis by using descriptive method that is fact and data obtained by a tabulation field is later;then analysed and related to by a relevant theory and in line with from research. From research result known that by the inflation that happened the effect of global finance crisis in Provinsi Riau experience of fluctuation with downhill tendency progressively. At same period of Indonesia inflation also experience of degradation or alight from two digit become one digit. While at happened by economic growth of world economic growth delay in the year 2008 and downhill it the world commodity price have pushed acceptance degradation from various sector. And weak it the growth export service and goods is in consequence of downhill it the downhill oil price and also it the commodity request and price export as impact from global finance crisis. Degradation export and the invesment growth deceleration as became of by non-stoped economic growth source of year 2009. To take care of economic growth decline, consume society strived to remain to be taken care of taken care ofly is purchasing power socialize through inflation operation and various poorness reduction programItem ANALYSIS OF POTENTIAL WASTE PALM EMPTY FRUIT BUNCHES AS COMPOST IN RIAU PROVINCE(2012-11-23) Meliana, RisaThis research is aimed to know the potency of using empty fruit bunches of palm if it is exploited as compost fertilizer in the Province of Riau, at the same time to know the expense that can be saved using this compost. The data in this research is secondary data. The method and the data analysis which is used is quantitative descriptive using statistics projection with linier method. According to Singh et.al (1989), the amount of empty fruit bunches from one ton of empty fruit bunches is 22-23% in which the empty fruit bunches has nutrient unsure natrium (0,5%), Pospor (0,5%), and Magnesium (0,9) that can replace nutrient unsure on chemical fertilizer. . Based on the calculation, the combination of compost and chemical fertilizer can reduce the expense of fertilizing with anorganic equal to Rp.14.053 on unproductive oil palm and Rp. 12.270 on productive palm. It is estimated that in 2015 the potency of empty fruit bunches that can be exploited as compost fertilizer are 2.04 million tons and produce 846,1 thousand tons of compost fertilizer to fertilize 399.414,7 HaItem PERANAN TANAMAN PADI SAWAH TERHADAP PEREKONOMIAN DI KABUPATEN KAMPAR PROPINSI RIAU(2012-11-28) Yani, FitraDalam menunjang perekonomian daerah Kabupaten Kampar, tanaman padi sawah memberikan peran terhadap ketersediaan bahan pangan, penyediaan lahan pangan dengan total produksi pangan, serta peranannya dalam penempatan dan ketersediaan lapangan kerja di Kabupeten Kampar. Berdasarkan hasil intervieu dengan Instansi-Instansi terkait yang berhubungan dengan pertanian dalam subsektor tanaman pangan padi sawah yang menyimpulkan bahwa Kabupaten Kampar merupakan daerah yang strategis untuk pengembangan pertanian sehingga pertanian merupakan penyumbang terbesar terhadap PDRB Kabupaten Kampar dibandingkan sektor-sektor lainnya. Adapun dalam jurnal ini menjelaskan bahwa sektor pertanian dalam hal ini subsektor tanaman pangan padi sawah dapat mencukupi kebutuhan pangan masyarakat yang mana pada tahun 2009 sebanyak 37,49 % dari semua total ketersediaan bahan pangan, serta mampu menyediakan lapangan kerja buat masyarakat, yang mana banyaknya kelompok tani yang ada di Kabupaten Kampar pada tahun 2009 yaitu sebanyak 1010 kelompok tani padi sawah dengan persentase 45,64% dari semua total kelompok tani tanaman pangan yang ada di Kabupaten Kampar.Item Pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Suku Bunga Kredit Terhadap Penyaluran Kredit Pada Bank Pemerintah(2012-11-28) Kaidar, FitriThis research was done as national is Indonesian on March 2008 until December 2011. This research purpose to know how i nfluence Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Credit Rate to channelization credit in Bank of Governme nt, especially for BRI and BNI bank. The data used in this research is secondary data was found from concerned instance, Bank Indonesia, BRI, and BNI. Analysis data used analize multiple regression linier . Result from this research indicate that contained in influence both of Loan to Deposit Ratio, Capital Adequacy Ratio, and Credit Rate to channelization credit at BRI as simultaneously. As partial, CAR and credit rate influence to channelization credit in Bank of Government, especially in this bank BRI and BNI, that CAR variable influence positive significance to channelization credit BRI and BNI, it mean that each acession or decline in CAR, then would be follow with acession or decline channelization credit at BRI and BNI. Credit rate variable influence negative significance to channelization credit, it mean each acession credit rate accordingly decline to channelization credit BRI and BNI, or the oth er way and when decline of credit rate happen , then woul d be follow with acession in channelization credit. LDR variable was not influenced to channelization credit at BRI and BNI, because work of LDR was not yet including and so far from Bank Indonesia hapless, that decide LDR’s level for bank more than 80 %.Item ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT ELEKTRONIK (STUDI KASUS PT. ADIRA QUANTUM MULTIFINANCE CABANG PEKANBARU)(2012-11-30) M, Amzal RidhoThis research has been done in Pekanbaru at Adira Quantum Multifinance branch Pekanbaru which goal is to know what factor influence the level of electronic credit request through PT. Adira Quantum Mulifinance Branch Pekanbaru. Methodology that be apphed in this research was descriptive research and used the primary data directly from the debtor respondents of electronik credit from PT. Adira Quantum Multifinance branch Pekanbaru, Statistik Center Corporation of Riau Province. The debtor population from electronic credit through PT. Adira Quantum Multifinance branch Pekanbaru has 2314 debtor based on debtor quantity on July 2011 and the sample about 100 respondents by using Slovin theory. Base on the result of the research to 100 respondents shows that income, prime, lending rate, credit offer procedure and payment location influence offering level of consumen and electronik credit through PT. Adira Quantum Multifinance branch PekanbaruItem PERKEMBANGAN INDUSTRI KUSEN DI KABUPATEN KAMPAR STUDI KASUS KECAMATAN BANGKINANG SEBERANG(2012-11-30) MarjulisThe research was conducted in Bangkinang Seberang district Kampar regency by observation area. The purpose of this study is: to determine how the development of the door frame industrial in Kampar regency of Riau Province. The results of this study will be expected to give benefits the institutions involved inorder to make industrial development policy especially for the development of the industry in the future and information material for future research. The data used in this research were by using questionnaires, observation and interviews, and the sampling method used is the census. Where the number of entrepreneurs of door frame in the Bangkinang Seberang District were 17 units as representing of Kampar regency. The data gathered were analyzed by analysis methods that are describtive and the whole potential in the door frame industry was analyzed by using SWOT analysis to see which the strength and weak factors (internal factors) and opportunities and threats factors (external factors). The results of this research that the door frame industry in Kampar regency was unfavorable developments, it could be seen from the increasing of business units that are in the process of production. The Difficulties in getting raw materials of wood becomes a major factor why the industry is not growing. The potential of raw materials to make this industry even the production could be stopped. But still evolved from the potential workforce owned, investment / capital easily, production and government policies that still support this industry to continue to thrive.Item TRANSFORMASI STRUKTUR EKONOMI KABUPATEN SIAK TAHUN 2001-2010(2012-11-30) Prawira, YudhaThis paper attempts to analyzes spatial structural change of economic and identification of base sector in Siak District. The data used in this paper are time series (secondary data) consists of the Gross Regional Domestic Product (GRDP) Siak District and Gross Regional Domestic Product (GRDP) Riau Province at 2000 Constant Market Price by Industrial Origin Excluding Oil 2001-2010. The data obtained from Central Bureau of Statistics Riau Province. The analysis methods applied in this study are Shift Share Analysis, Shift Share Modification Esteban Marquillas, Location Quotient and Base Multiplier. The Results of the study analysis known that: Contribution of the primary sector in total GRDP has decreased during the period analysis, while the contribution of secondary and tertier sector has increased over the analysis period. Increased the level of GRDP in Siak by 112.70% due to the effects of economic growth in the level of Riau Province. Effect of economic competitiveness of negative 14.28 %, while the influence of the Industrial Mix only by 1.58 %. GDRP growth is the largest from manufacture sector amounted to Rp 928,774.54 million, national share of this sector amounted to 113.43%, differential shift of negative 33.62% and proportional shift of 20.18 %. From Esteban Marquilass Shift Share analysis only agriculture and construction has a competitive advantage and manufacture sector has only the specialization advantage. LQ analysis shows that base sector in Siak has only manufacture sector. Average value of base multiplier effect of Siak are 1.9, it means sector basis can give impact to the GRDP formation by 1.9 times of the total outputItem Analisis Permintaan Produk KFC di Mall SKA Pekanbaru(2012-12-06) B. Waruwu, FaliniThis research is conducted in Mall SKA Pekanbaru at month of July 2012. As for target of this research is to know factors causing the happening of improvement of request to product of KFC Mall SKA Pekanbaru. Result of this research expected can be useful to assist company in developing effort and as input in making of existing policy. Data used by secondary and primary data with method. Analyse data is descriptive qualitative. In this research becoming population all consumer buying Kentucky Fried Chiken ( KFC) Mall SKA Pekanbaru in the year 2011 amounting to 187.500. Intake sampel used by convenience sampling where amount sampel taken as much 100 respondent. From result of research known that the factor influencing improvement of request of product of KFC Mall SKA pekanbaru price of KFC itself, earnings of society, service and facility. Become can be told so that the KFC more major factors mentioned in conducting effort, at one blow to fulfill the consumer request.Item THE ANALYSIS OF MORTAGES DEMAND : SAFE-QUICK CREDIT (KCA) AT PT PEGADAIAN KODIM BRANCH IN PEKANBARU(2013-01-28) NurhazniThe research is conducted by PT Pegadaian, Kodim Branch in Pekanbaru City. The aim of this research is to determine the factors that influence the demand on mortages at PT Pegadaian, Kodim Branch in Pekanbaru, to analyze the influence of interest rate, customers service and term of the mortage demand and to determine the factors that most effect the mortages demand : Safe-Quick-Credit (KCA) at PT Pegadaian Kodim Branch in Pekanbaru. The research use descriptive analysis method the sample in this study is the customers who use the product mortages : Safe-Quick-Credit (KCA) at PT Pegadaian Kodim Branch in Pekanbaru, as much as 100 person mortages using simple random sampling. The result as survey is to reveal that customers service factor is the most influential factor in mortages demands at PT Pegadaian Kodim Branch in Pekanbaru.Item DAMPAK PERTAMBANGAN BAUKSIT TERHADAP PENDAPATAN NELAYAN DI PULAU PENUBA KABUPATEN LINGGA(2013-01-28) NurlidaThis research carried out on the island of penuba precisely in the county of linga that took place on february 2012 until the end of february 2012. The aim of this research is to find out the impact: mining bauxite against earnings nelayan on the island of penuba district lingga.an quantitative analysis. Descriptive analysis which is describe all the objects subjects and is associated with a theory that used in research while the quantitative analysis used to support descriptive analysis. To complete this research, the use writers primary data obtained by direct communication of respondents, society nelayan as well as data secondary of the su. Methods used in this research is a method of analysis descriptive and quantitative analysis. Descriptive analysis which is describe all the objects subjects and is associated with a theory that used in research while the quantitative analysis used to support descriptive analysis. To complete this research, the use writers primary data obtained by direct communication of respondents namely the public and secondary nelayan data available encontrar and so we stay together. The study authors kepustakaan to get theories necessary to strengthen this research. In this research, who became a sample of the population is society nelayan linga penuba district in the island. Samples taken by using the method of sampling porpose the writer take 98 families nelayan society. Based on the calculations that have been done that Sig 0000 value < 0.05 the Ho is rejected, this suggests there is a connection between the before and the presence of sesuah bauxite mining by the level of linkage/0.953 correlations. Based on the calculations that have been done, because the sign. (2-Tailed) 0000 < 0025 then Ho is rejected, it means that there is a difference on average before and after the mining bauxite to the income of fishermen on the island of Lingga Regency Penuba. In other words the existence of bauxite mining effect on fishermen's income on the island of Lingga Regency PenubaItem Analisis Penyaluran Kredit Usaha Mikro Kecil dan Menengah (UMKM) Pada PT Bank Riau Kepri Provinsi Riau(2013-01-28) Adawiyah, RobiatulBank as intermediary institution is a connector which confront between creditor who has surplus fund and saving their fund at the bank to debtor in credit form. One of credit offer is Micro Small and Medium Bussines’s credit. The purpuse of this research is to analyse how the effect from Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA),and Non Performing Loan (NPL) to credit offer Micro Small and Medium Bussines (UMKM) in PT Bank Riau Kepri Province of Riau during first quarterly of 2007 until fourth quarterly of 2011. The method of analysis is double linier regression and the hypothesis test is using t – test to discover the effect of every variables as partially, and F –test to detect the effect as simultaneously with 5 % of significant rate. Based on the research, the result of analysis in period research conclude follows : as simultaneously, Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA), and Non Performing Loan (NPL) give significant effect to credit offer in PT Bank Riau Kepri Province of Riau. According partial test, Third Party Fund (DPK)Return On Asset (ROA), and Non Performing Loan (NPL) do not give the significant effect to credit offer of Micro Small and Medium Bussines’s credit in PT Bank Riau Kepri Province of Riau, whereas Capital Adequacy Ratio (CAR) give significant and negative impact to credit offer of Micro Small and Medium Bussines’s credit .