European Union (UE) is one of strategic alternative markets for Indonesia products especially for forest products and Crude Palm Oil (CPO). Indonesia Products will be able to enter/compete in Europe market in condition that products can meet the standard. European Union is one of strategic...

The purpose of this study was to analyzethe effect of consumer loans at commercial Banks in North Sumatera in the period for 15 years from 1995-2009. The independent variables used in this study is the interest Rate, Per Capita Income, and labor.The method used in the analysis of the influence...