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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI
Tumiwa, Johan .
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Economics, Econometrics & Finance

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THE ANALYSIS OF FACTORS INFLUENCING DIVIDEND PAYOUT RATIO IN INSURANCE COMPANIES LISTED IN INDONESIA STOCK EXCHANGE (IDX) PERIOD 2011-2015. Liono, Marcelita .; Lambey, Linda .; Tumiwa, Johan .
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 3 (2017): JE VOL 5 No 3 (2017) HAL 3644
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (730.722 KB) | DOI: 10.35794/emba.v5i3.18038

Abstract

Abstract: This study aims to analyze factors which are Profitability, Growth Opportunity, Firm Size and Leverage that influence the Dividend Payout Ratio in insurance companies listed in Indonesia Stock Exchange period 2011-2015. This study is a quantitative study and Multiple Linear Regression used as analysis tool. The sample are 10 companies who already made IPO before year 2011 and data were gathered from the company annual financial report. Result shows that Profitability measured by ROE and Growth Opportunity have a significant and negative association with DPR. Meanwhile Firm Size and Leverage have insignificant and negative relation with the DPR in insurance companies that listed in IDX. The negative association by ROE and Growth Opportunity to the DPR. It thus, tends to retain their earnings more than to pay it as dividend. Companies should improve their product so they can cover all of the customer needs. Keywords: dividend payout ratio, insurance company, profitability, growth opportunity, firm size, leverage
COMPARATIVE RESEARCH OF JOB SATISFACTION AND JOB INVOLVEMENT BETWEEN MALE AND FEMALE IN FRESHMART BAHU MALL MANADO Zumrotin, Tsania .; Lambey, Linda .; Tumiwa, Johan .
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 3 (2017): JE VOL 5 NO 3 (2017) HAL 3764
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (598.421 KB) | DOI: 10.35794/emba.v5i3.18080

Abstract

Abstract: To motivate employees the company must pay more attention on their job satisfaction and job involvement. A gender difference appears on satisfaction and involvement, because each gender tends to give a different perception. By knowing what each gender perception toward each variable, this research aims to see if there is significant difference between male and female employees. This research used a quantitative method. The sample of this research is male and female employees in Freshmart Bahu Mall Manado. The number of respondents is 100 employees consist of 50 male and 50 female respondents. Simple random sampling was adopted to select the respondents. The data are collected by questionnaires. The result of this research shows there are no significant differences in terms of job satisfaction and job involvement between male and female employees. The management of company may consider about the job satisfaction and job involvement and should maintaining this current condition, as well as performance, improve the service and quality of employees both for male and female employees.­­Keywords: male employees, female employees, job satisfaction, job involvement 
THE RELATION BETWEEN MICROFINANCE CREDIT (KREDIT USAHA RAKYAT) AND THE FINANCIAL PERFORMANCE ON SMALL AND MEDIUM ENTERPRISE IN MANADO, NORTH SULAWESI Balak, Vanesa Anastasia; Tumiwa, Johan .
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 6, No 2 (2018): JE VOL 6 NO 2 (2018)
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (592.664 KB) | DOI: 10.35794/emba.v6i2.19656

Abstract

Abstract: Manado city's economy is largely contributed through the role of SMEs in mobilizing economic activities in various fields, capital limitations are a source of business development problems and lack of innovation in busines .The government together with the cooperative service and SMEs are trying to facilitate SMEs to get microfinance credit funds. This study aimed to see whether there are differences in financial performance on the financial ratio analysis based on financial ratio, of 9 Small Medium Enterprises before and after using funds microfinance credit in manado. Based on the results shows that the financial performance of SMEs in Manado City from the year before using microfinance credit and after using microfinance credit is changin, which is the average value of the financial ratio analysis experienced good changes. SMEs should be more effective in utilizing existing resources to generate sales, and SMEs should know the condition of the companys financial performance in their business from time to time so that the future can anticipate and quickly taking decisions for possibilities that could happen in the future, and to further improve the companys performance in the future.Keywords: microfinance credit, financial performance, small and medium enterprises.
CONSUMER PREFERENCES OF OFFROAD DOUBLE CABIN VEHICLE IN MANADO USING AHP METHOD (CASE STUDY: TOYOTA HILUX, ISUZU D-MAX AND MITSUBISHI STRADA TRITON) Mangindaan, Frenly .; Saerang, David P.E; Tumiwa, Johan .
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 2 (2017): JE VOL 5 NO 2 (2017) HAL 2385
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.17 KB) | DOI: 10.35794/emba.v5i2.16722

Abstract

Abstrak: Tujuan penelitian untuk mengetahui pelanggan dalam memilih dan menentukan kendaraan offroad kabin ganda yang paling disukai di Manado. Penelitian dilakukan di Manado, pada Agustus 2016. Penelitian menggunakan pelanggan yang memiliki pengalaman mengendarai sebagai responden: Toyota Hilux, Isuzu D-Max dan Mitsubishi Strada Triton. Sampling menggunakan purposive sampling dengan 30 responden yang memiliki pengalaman dengan Toyota Hilux, Isuzu D-Max, dan Mitsubishi Strada Triton. Analisis data menggunakan proses hirarki analitik (AHP). Hasil penelitian: preferensi konsumen kendaraan kabin roda dua di Manado, dipengaruhi oleh: atribut kualitas produk, atribut harga, atribut interior, dan atribut kenyamanan. Preferensi konsumen merek kendaraan adalah: Toyota Hilux, Isuzu D-Max, serta Mitsubishi Strada Triton, dengan mayoritas responden adalah pria, 31 sampai 40 tahun, sarjana, dan pendapatan antara Rp 5 juta-7,5 juta. Faktor dominan mempengaruhi preferensi konsumen kendaraan double cabin di Manado adalah atribut harga dan diikuti oleh atribut kenyamanan, atribut interior dan atribut kualitas produk. Preferensi konsumen terhadap merek kendaraan offroad double cabin adalah Toyota Hilux. Rekomendasi: perusahaan otomotif yang mendistribusikan kendaraan off road kabin ganda harus memperhatikan temuan penelitian ini. Temuan ini mengidentifikasi preferensi konsumen yang mengungkapkan pilihan dan memiliki dampak yang besar terhadap kinerja keseluruhan perusahaan, terutama di segmen kendaraan offroad kabin ganda. Kata Kunci : preferensi konsumen, proses hirarki analitis, kendaraan offroad kabin ganda
COMPARATIVE ANALYSIS OF CONSUMER PREFERENCE ON ONLINE NEWS BETWEEN MALE AND FEMALE STUDENT IN MANADO Nainggolan, Mutiara .; Worang, Frederik G.; Tumiwa, Johan .
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 02 (2017): JE VOL 5 NO 2 (2017) HAL 2488
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (536.913 KB) | DOI: 10.35794/emba.v5i02.16738

Abstract

Abstract: The speed of technology has affected some aspects of people’s life, one of which is the need to get quick and accurate information. Internet has become the technology to fulfill people’s need in gaining abundant information. They make Internet as lifestyle tool to be able to access information quickly and accurately from online news services. Consumer Preferences allow a consumer to rank different bundles of goods according to level of utility, or the total satisfaction of consuming a good or service. This research is purposed to analyze the differences of consumer preferences towards online news between male and female students in Manado. This research used the Independent Sample T-Test as the method of this research. Population in this research is the students in Manado. The sample of this research is 100 respondents of random sampling. The comparative analysis of this research is prove that there are significant difference between male and female in order to consume the online news. Male has a higher preference to read the online news rather than the female, when male has higher education and factor situational that can increase their intends of reading the online new.Keywords: marketing, consumer preference, gender, online news
ANALYSIS OF FACTORS AFFECTING CAPITAL ADEQUACY RATIO BETWEEN ISLAMIC BANK AND CONVENTIONAL BANK CASE STUDY – MANDIRI SYARIAH AND MANDIRI (2009-2016) Kasmadi, Kartika Aprillia; Lambey, Linda .; Tumiwa, Johan .
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 3 (2017): JE VOL 5 NO 3 (2017) HAL 3764
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.983 KB) | DOI: 10.35794/emba.v5i3.18066

Abstract

Abstract : Banks are expected to perform their activities effectively and efficiently in order to reach financial goals. A healthy standard for banks in Indonesia is determined by Central Bank (Bank Indonesia), which is above 8% for the indication of capital adequacy ratio. This research analyses the relationship between capital adequacy ratio and its determinants between Mandiri and Mandiri Syariah bank. This research examines the simultaneous and partial influences between capital adequacy ratio and the variables of return on equity, net interest margin, loan/financing to deposit ratio, and bank size by using time series regression and using the quarterly period of 2009-2016.  The results reveal that the independent variables simultaneously affect capital adequacy ratio for both banks, and by partially, the results confirm that return on equity and bank size significantly affect capital adequacy ratio. With this research, companies are encouraged to figure out the root problems on how to manage a stable financial statements that may lay on some of the variables that are discussed in this study.Keywords : capital adequacy ratio, return on equity, loan to deposit ratio, financing to deposit ratio, bank size.e
Co-Authors Balak, Vanesa Anastasia David P.E Saerang Djibran, Hanifah . Farlane S. Rumokoy Frederik G. Worang, Frederik G. Kasmadi, Kartika Aprillia Kerap, Stephenny Karen Rahel Kindangen, Indah Rani Jessica Linda Lambey, Linda Liono, Marcelita . Lumunon, Dwiranni F. Mandagi, Pinkan Elisabeth Mangindaan, Frenly . Melmambessy, Thiopillo . Mentang, Indri Winda Nainggolan, Mutiara . Novi Dwi Lestari Pangemanan, Sifried S. Pantouw, Emanuela Jesica Paulus Kindangen Ponto, Monica . Sifrid S. Pangemanan Zumrotin, Tsania .