No abstract

The purpose this study to find variables that can influence dividend policy using the dividend payout ratio variable. The factor used is debt policy, credit risk, capital adequacy ratio, life cycle, capital structure, Inflation, growth domestic product, unemployment and oil price. The data of this study are 14 banks in Indonesia from 2009-2018. The test method of data is using panel data regression. The results of this study, there are 4 variables that affect dividend policy, namely credit risk, capital structure, inflation and oil prices. while other variables do not have a significant effect on credit risk. the results of variable oil prices are different from previous studies because the subject of this study is banking. Where the increase in oil prices can have a positive impact on dividend policy in the mining industry, but have a negative impact on the banking industry.

Life insurance ownership has been known as one of alternatives to mitigate the financial risk of a household. Several ethnicities in Indonesia are exposed to financial risk in terms of premature death of family members because there exists cultural traits expenditures. This paper examines the decision to own life insurance among Bataknese in Medan. The determinants of life insurance ownership observed in this study include socioeconomic and demographic factors. Data was analysed using Logit regression of 185 questionnaires after adjustments from 200 responses. The results show that the Batak ethnic in Medan owned personal life insurance because it was driven by the number of credit card limits, age, number of social gathering clan, education, residence ownership status, and bequest motives. Meanwhile, Saur matua life insurance (cultural traits) ownership is driven by factors in the order of the first child in the family, the number of brothers, life expectancy, and the condition of receiving inheritance from parents. Bataknese own life insurance affected by socioeconomic and demographic factors. This research can provide opportunities for the life insurance industry if it wants to add new features of life insurance products that are specific to ethnic groups with similar cultural heritage patterns.

In Community Service activities, partners are Bika Bakar business actors in Medan City. The business partner has been engaged in the culinary sector, especially traditional cake type foods since 1990. The type of cake food produced by this business partner is baked bika cake. The production process is carried out at home with the help of several employees and equipment that is still simple, does not have accountancy , packaging that still uses plastic bags and limited access to marketing. Promotions that are lacking make partner products unable to compete with cake products produced by large businesses. Partners still use simple tools so that the production of bika bakar is not optimal in quantity and quality of production, so that Ms. Nurmalis' roasted bika is still less popular than cakes with well-known brands. Improvement in designing good simple bookkeeping in financial management. Increasing the quality and quantity of Bika Bakar production after the addition of a furnace and an increasing number of bika cake molds and using good paper bags, as well as product development through making brands in Bika Bakar Mitra products and online marketing.

Humbang Hasundutan (Humbahas) is a district in the province of North Sumatra, which has potential natural resources, especially in the agricultural sector. Humbahas is used as a pilot area for special horticulture agricultural corporations in North Sumatra. The development of the Humbahas area aims to improve food security and farmer capacity. The devotional activities aim to provide assistance and training to the Sira-Sira village farming community group in hopes of expanding the marketing area that will have an impact on increasing farmers' income. The problem faced by partners is the limited ability and management of partner business management, especially in marketing superior agricultural products to a wider market, especially in marketing agricultural products online, in this case using the internet (e-commerce) network. This activity begins with delivering material related to e-commerce, then providing training to partners about online marketing techniques and business assistance. Through this training, partners are expected to have the ability to access the online marketplace (e-commerce). The results of this activity indicate that the farmer groups who attended the activity were very enthusiastic about participating in the training because they felt it was helpful to use online media as a means of marketing their superior agricultural products.