English Abstract: The Overlapping Generations (OLG) Model is ones of the latest prevalent macroeconomics model applied by economists on varies macro as well as monetary economics topics. In the context of macroeconomics development theories, this model belongs to economic growth theory,...

Private consumption is the largest component of Gross Regional Domestic Product (GRDP) contributor, as well as Sumatera Utara Province GRDP by 60% contributed by household consumption. Many factors influence the level of public consumption both macro and micro factors. This research aims to...

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...