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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) The Studies of Social Sciences Multidisciplinary Indonesian Center Journal
Merlyn Karuntu
Universitas Sam Ratulangi
Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Pengaruh Kualitas Informasi dan Kualitas Sistem terhadap Kepuasan Pengguna pada aplikasi autentikasi taspen di KB Bank (Korea Best Bank) Cabang Manado Manangka, Natalie; Saerang, Ivonne S.; Karuntu, Merlyn M.
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 13 No. 01 (2025): JE. Vol. 13 No 1
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v13i01.60246

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas informasi dan kualitas sistem terhadap kepuasan pengguna pada aplikasi autentikasi Taspen di KB Bank Cabang Manado. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan pengumpulan data melalui kuesioner yang disebarkan kepada para pengguna aplikasi autentikasi di KB Bank Cabang Manado. Sampel penelitian ini berjumlah 100 responden. Pengambilan sampel menggunakan metode nonprobability sampling dengan Teknik purposive sampling. Hasil analisis menunjukkan bahwa baik kualitas informasi maupun kualitas sistem memiliki pengaruh signifikan terhadap tingkat kepuasan pengguna. Secara khusus, kualitas informasi yang akurat, relevan, dan mudah dipahami meningkatkan pengalaman pengguna, sementara kualitas sistem yang handal dan responsif juga berperan penting dalam menciptakan kepuasan. Temuan ini diharapkan dapat memberikan kontribusi bagi pengembangan lebih lanjut aplikasi Taspen, serta memberikan wawasan bagi bank dalam meningkatkan layanan digital mereka.   Kata Kunci: Kualitas Informasi, Kualitas Sistem, Kepuasan Pengguna
PENGARUH GAYA HIDUP DAN PEMASARAN MEDIA SOSIAL TERHADAPA KEPUTUSAN MEMBELI PRODUK LOKAL (STUDI PADA MAHASISWA FEB UNSRAT MANADO) Poluan, Jane Grace; Rondonuwu, Christy Natalia; Karuntu, Merlyn Mourah
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 11 No 3 (2024): JMBI UNSRAT Volume 11 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v11i3.59250

Abstract

As market behavior and technology develop, lifestyle and social media marketing become important variables that greatly influence purchasing decisions about a product. Activities or habits, interests and opinions which are lifestyle indicators will determine whether consumers want to buy local products or not. On the other hand, current social media marketing which more often displays foreign products is a challenge for local products to gain a place in the hearts of consumers, especially young students, namely students. This phenomenon was raised by researchers to conduct research aimed at exploring the extent to which lifestyle and social media marketing influence decisions to buy local products among FEB UNSRAT Manado students. This research is quantitative research with multiple regression methods. The population is all FEB UNSRAT students, with the sample determined using the purposive sampling method. The research results found that lifestyle had a significant influence on the decision to buy local products, social media marketing had a significant influence on the decision to buy local products, and lifestyle and social media marketing together had an influence on the decision to buy local products among FEB UNSRAT students.
THE ANALYSIS OF DEVELOPER EXPERIENCE IN THE KPR APPLICATION PROCESS THROUGH THE BTN PROPERTY FOR DEVELOPER APPLICATION AT THE BTN MANADO BRANCH Erlangga Kurnia Pratama Moha; Indrie Debbie Palendeng; Ferdinand J Tumewu; Magdalena Wullur; Merlyn Mourah Karuntu; Shinta Jeanete Camelia Wangke
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1812

Abstract

This study analyzes the use of the BTN Properti for Developer application in the Home Ownership Credit (KPR) application process at Bank BTN Manado Branch using the Technology Acceptance Model (TAM) and User Experience (UX) approaches. The study used a descriptive qualitative method through in-depth interviews with four developer users of the application. Data analysis was conducted using the Miles and Huberman model which includes data reduction, data presentation, and conclusion drawing. The results show that the BTN Properti for Developer application is generally well received by developers because it is considered easy to use, has a clear application flow, and is able to improve the efficiency of time, costs, and energy through a digital process. However, several obstacles were still found, such as limited document upload size, navigation that is not fully intuitive, and delays in status updates outside of operating hours. Support from BTN was considered quite responsive through training and direct communication, although improvements in the communication features in the application are needed. Based on the TAM analysis, application acceptance is influenced by perceptions of usefulness and ease of use, while from a UX perspective the application shows good usability and usefulness quality, but still requires development in the aspects of interactivity and accessibility. This study concludes that the BTN Properti for Developer application plays an important role in supporting the digital transformation of mortgage applications, with a note that continuous development is needed to optimize services and be user-oriented.
THE IMPLEMENTATION OF PROJECT MANAGEMENT SCHEDULING USING CRITICAL PATH METHOD (CPM) AND PROJECT EVALUATION AND REVIEW TECHNIQUE (PERT) IN THE HOUSE CONSTRUCTION PROJECT IN THE MALIMIMPLEMENTATION OF PROBUKAN PERMAI III HOUSING AREAS IN NORTH MINAHASA REGENCY Sukamta, Nuraini Retnaningrum; Jacky S B Sumarauw; Merlyn Mourah Karuntu; Magdalena Wullur; Ferdinand J Temewu; Shinta Jeanete Camelia Wangke
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1830

Abstract

Previous studies have shown that the Critical Path Method (CPM) and the Project Evaluation and Review Technique (PERT) are effective in optimizing project completion time. Based on observations, the construction of a single housing unit typically requires 64 working days. This study aims to obtain an optimal scheduling result by applying CPM and PERT to the construction project of a subsidized house type-36 in Perumahan Malimbukan Permai III, North Minahasa Regency. The analysis results indicate that the project’s critical path consists of A – B – C – D – E – F – H – K – L – M – N – P – Q. Using the CPM method, the required completion time is 55 days, while the PERT method yields an estimated 55.68 days. With a deadline of 60 days, the probability of completing the project is 99.94%. This study highlights the importance of monitoring the critical path and utilizing time estimation in project planning to prevent delays and unforeseen obstacles.
PENERAPAN TOTAL QUALITY MANAGEMENT (TQM) TERHADAP KINERJA MANAJERIAL DI JNE CABANG MINAHASA TENGGARA Rundengan, Mario Jose Sebastian; Palandeng, Indrie Debbie; Karuntu, Merlyn Mourah
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 13 No. 04 (2025): JE. Vol. 13 No. 4
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v13i04.64646

Abstract

Sebagai penyedia jasa transportasi di Indonesia, PT Tiki Jalur Nugraha Ekakurir (JNE) berkomitmen untuk memberikan pelayanan yang baik dan cepat kepada masyarakat dengan cara terbaik. Di Minahasa Tenggara, PT Tiki Jalur Nugraha Ekakurir (JNE) harus memanfaatkan persaingan perusahaan homogen dan senantiasa mempertahankan eksistensi atau kelangsungan hidup perusahaan dengan lebih meningkatkan efisiensi perusahaan untuk memenuhi misinya. Tujuan penelitian ini untuk mengetahui penerapan Total Quality Management (TQM) Terhadap Kinerja Manajerial pada JNE cabang Minahasa Tenggara. Penelitian ini menggunakan penelitian kuantitatif yang menggunakan skala numerik untuk mengukur data yang dikategorikan menjadi data interval dan data rasio. Variabel X adalah: Fokus pada Pelanggan (X1), Kerja sama Tim (X2), Perbaikan Sistem Secara Berkesinambungan (X3), dan Kinerja Manajerial (Y). Model pengolahan data yang digunakan untuk menganalisis data adalah regresi linear berganda (Multiple Regression) dari software SPSS versi 22.0.   Kata Kunci: System Accessibility, Privacy, Efficiency, Customer Satisfaction
PENGARUH LIKUIDITAS, PROFITABILITAS, DAN RISIKO KREDIT TERHADAP KINERJA KEUANGAN BANK DALAM INDEKS INFOBANK15 PERIODE 2021-2024 Lontoh, Anggie Angeline Maretha; Mangantar, Maryam; Karuntu, Merlyn
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 14 No. 1 (2026): JE. Vol. 14 No. 1
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v14i1.66118

Abstract

Tujuan penelitian ini adalah untuk menganalisis pengaruh likuiditas, profitabilitas, dan risiko kredit terhadap kinerja keuangan pada bank-bank yang terdaftar dalam Indeks Infobank15 selama periode 2021-2024. Penelitian ini menggunakan metode kuantitatif dengan populasi seluruh bank yang tergabung dalam Indeks Infobank15, dan sampel penelitian terdiri dari 15 perusahaan yang dipilih melalui metode purposive sampling. Teknik pengumpulan data menggunakan data sekunder, sedangkan analisis data dilakukan melalui analisis statistik deskriptif, uji asumsi klasik, analisis regresi linier berganda, dan koefisien determinasi. Pengujian hipotesis dilakukan secara parsial menggunakan uji t dan secara simultan menggunakan uji F. Hasil penelitian menunjukkan bahwa secara parsial, likuiditas (LDR) dan risiko kredit (NPL) berpengaruh negatif signifikan terhadap kinerja keuangan (ROA dan ROE), sedangkan profitabilitas berpengaruh positif signifikan terhadap kinerja keuangan. Selain itu, secara simultan ketiga variabel independen tersebut berpengaruh signifikan terhadap kinerja keuangan pada bank-bank yang terdaftar dalam Indeks Infobank 15 periode 2021-2024.   Kata Kunci: Likuiditas, Profitabilitas, Risiko Kredit, Kinerja Keuangan, Indeks Infobank15, Perbankan
Co-Authors Adhytia G. Tua Aldo Habel Salangka Altje L. Tumbel Andries Jusuf Tangkere Anna Jesica Worang Aristoteles Sjafii Arrazi bin hasan Arrazi Bin Hasan Jan Arrazi Hasan Jan Arrazi Hasan Jan, Arrazi Hasan Bernhard Tewal Botutihe, Kartika . Carluis Tinangon Christoffel Kojo Christoffel Kojo Enjeli Vita Kessek Erlangga Kurnia Pratama Moha Febrianto PS Ferdinand J Temewu Ferdinand J Tumewu Gabriella Clarisa Runtunuwu Genita Lumintang Greis M.Sendow Imanuela P Lumantow Imelda Ogi Imelda W.J. Ogi Indrie D. Palandeng Indrie Debbie Palendeng Indrie Debby Palandeng Ivana Kuron Ivo Nurindah Sari Siringoringo Ivonne S Saerang Ivonne S. Saerang Ivonne S. Saerang Jacky S B Sumarauw Jacky S. B. Sumarauw Jan, Arrazi B. H. Jan, Arrazi Bin Hasan Jane Poluan Jaseh, Mubarrun Bin Basir Johanes Lonan Joubert B Maramis Junitrianto Kantohe Karamoy, Windra Y. R. Koagouw, Nonik V. Lamato, Brian R. Langke, Andreano V. Lapian, Pricilia J.` Leppe, Ebenheiser P. Lontoh, Anggie Angeline Maretha Magdal Wullur Magdalena Wullur Manangka, Natalie Mandey, Silvya Lefina Mangiwa, Idelvia Mantiri, Ekklesia A. Maryam Mangantar Mateka, Syalomita Melinda, Virgi Serlin Mirah, Owen Nia C. M. Saleleng Nurjihad bafagehi Nur Palendeng, Indrie D. Panggabean, Juan O. Paulus Kindangen Peggy Adeline Mekel Polii, Lanny I.L Priskila Suryani Aiba Ramli Mile Rau, Vanesa P. Rivaldo Runtuwene Rompas, Celina A. Rondonuwu, Christy N. Rondonuwu, Christy Natalia Rundengan, Mario Jose Sebastian S.L.H.V Joyce Lapian S.L.V.H. Joyce Lapian Samadi, Reitty Lilyanny Shinta Jeanete Camelia Wangke Silcyljeova Moniharapon Silvya L. Mandey Singkoh, Alfian Frejensi Sintya, Lumintang Intan Siwu, Audrey Sukamta, Nuraini Retnaningrum Suoth, Olvy Tielung, Maria Veronika J. Veronica Y. Wuisan Victor P.K Lengkong Viona Jesica Kristania Wangarry, Calvin L.