Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
P-Index
This Author published in this journals
All Journal JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis
Willem J. F. A. Tumbuan
Universitas Sam Ratulangi
Decision Sciences, Operations Research & Management

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
PENGARUH DIGITAL TRUST, ISLAMIC FINANCIAL LITERACY, DAN SERVICE EXPERIENCE TERHADAP KEPUTUSAN PEMBELIAN PADA PRODUK CICIL EMAS DAN GADAI EMAS DI BANK SYARIAH INDONESIA KANTOR CABANG MANADO MANTOS Wanda Fauziyyah; Willem J. F. A. Tumbuan; Christoffel M. O. Mintardjo
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 13 No 1 (2026): JMBI UNSRAT Volume 13 Nomor 1
Publisher : Magister Manajemen Program Pasca Sarjana Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v13i1.67554

Abstract

The increase in gold prices over the past year has contributed to a growing public interest in investment, in line with government policies through the establishment of a Gold Bank. As the first gold bank in Indonesia, Bank Syariah Indonesia provides comprehensive services, ranging from trading and sales to gold custody. In this context, this study aims to analyze the influence of Digital Trust, Islamic Financial Literacy, and Service Experience on purchase decisions for Gold Installment and Gold Pawn products at Bank Syariah Indonesia, Manado Mantos Branch Office. The sample was determined using a purposive sampling technique, with a population of 829 customers, and based on the Slovin formula, 89 respondents were selected as the research sample. This study employed a quantitative approach with analytical techniques including validity testing, reliability testing, classical assumption testing, hypothesis testing, and multiple linear regression analysis. The results indicate that simultaneously, Digital Trust, Islamic Financial Literacy, and Service Experience have a significant effect on purchase decisions. Partially, each of these variables also has a positive and significant influence on purchase decisions. This study contributes theoretically by enriching the literature on consumer behavior in Islamic banking and practically serves as a reference for Bank Syariah Indonesia in enhancing digital trust, Islamic financial literacy, and service experience quality to encourage customers’ purchase decisions for gold products.
Tourism in the Era of Industry 4.0: Harnessing Digital Storytelling and Social Media for Effective Promotion Stanss. L. H. V. Joyce Lapian; Silvya L. Mandey; Willem J. F. A. Tumbuan; Imelda W. J. Ogi; Darmawati Syam; Yaulie Rindengan; Yance Ambaho; Roberthair Suripatty; Winarsih Winarsih; Meiland Makalisang; Naomi Ormak
Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis Vol. 6 No. 1 (2025): Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Univiversitas Dr. Djar Wattiheluw

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital technology has transformed tourism promotion, especially through digital marketing and storytelling. The COVID-19 pandemic accelerated the use of social media and e-commerce, with storytelling helping build emotional connections and improve destination images. In Indonesia, the Ministry of Tourism uses platforms like TikTok and Instagram for this purpose. Research in West Papua Barat Daya shows that short videos, photos, and blogs effectively raise awareness and attract tourists. Despite challenges like limited infrastructure and skills, digital storytelling remains a powerful and sustainable tool for tourism promotion.
Digital Transformation of MSMEs: Navigating Opportunities and Challenges in the Industry 4.0 Era Stanss. L. H. V. Joyce Lapian; Silvya L. Mandey; Willem J. F. A. Tumbuan; Imelda W. J. Ogi; Roberthair Suripatty; Winarsih Winarsih; Meiland Makalisang; Naomi Ormak
Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis Vol. 6 No. 2 (2025): Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Univiversitas Dr. Djar Wattiheluw

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study explores the opportunities and challenges MSMEs face in adopting digital technologies during the Fourth Industrial Revolution. While digital platforms offer benefits like improved efficiency, broader market access, and innovation, MSMEs encounter challenges such as poor infrastructure, limited digital skills, financial limitations, and cybersecurity concerns. The study suggests solutions including ongoing digital training, infrastructure improvements, better financing access, and enhanced cybersecurity awareness to help MSMEs navigate digital transformation, boost competitiveness, and ensure sustainability in the digital economy.
Co-Authors Christoffel Mintardjo, Christoffel Darmawati Syam Imelda W. J. Ogi Meiland Makalisang Meiland Makalisang Naomi Ormak Naomi Ormak Roberthair Suripatty Silvya L. Mandey Stanss. L. H. V. Joyce Lapian Wanda Fauziyyah Winarsih Winarsih Winarsih Winarsih Yance Ambaho Yaulie Rindengan