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All Journal JURNAL PEMBANGUNAN DAN KEUANGAN DAERAH JURNAL ILMIAH PLATAX JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Neraca Manajemen, Akuntansi, dan Ekonomi Riset Akuntansi dan Manajemen Pragmatis Multidisciplinary Indonesian Center Journal Indonesia Economic Journal
Shinta Wangke, Shinta
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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Journal : Multidisciplinary Indonesian Center Journal

 1 
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.
Co-Authors Adoeng, Wulandari Aneilla Tessalonika Gleny Ruth Laserto Annete M. R. Rumengan Arrazi B.H Jan Banne, Vivaldi R. Bee, Sharon C. Christoffel Kojo Claudia Glory David P. E. Saerang David P. E. Saerang David P. E. Saerang David P.E Saerang David Paul Elia Saerang David Paul Elia Saerang Dewa Ayu Putri Emilia M. Gunawan Emilia Margareth Gunawan Emilia Margareth Gunawan Erlangga Kurnia Pratama Moha Erlangga, Nobian Sari Esther Pamela Adeleida Malonda Ferdinand J Temewu Ferdinand J Tumewu Ferdinand J. Tumewu Frederik G. Worang Frederik G. Worang, Frederik G. Gebby Natasya Tamaka Glady Langi Hanelisty Diona Chicha Korompis Hasan Jan, Arrazi bin Humbas, Jeniffer G. Imelda W. J. Ogi Indrie D. Palandeng Indrie D. Palandeng Indrie Debbie Palendeng Inri Hana Menajang Irvan Trang Ivan Quilo Jacky S B Sumarauw Jacky S. B. Sumarauw James D. D. Massie, James D. D. James D.D. Massie Johan Tumiwa Joseph, Omega P. Joubert B. Maramis Joy Elly Tulung Kalangi, Josep B. Karisoh, Monica Kembuan, Kesia F. Keren Gloria Sondakh Kusuma, Yuliana Lala, Ryanna Jasmine Lalawi, Natasya T. Lantang, Monika Gabriela Lapian, Joyece S.L.H.V. Lapian, Stanss L. H. V J. Lengkong, Victor Leticya Gala Liany Elfirany Senduk Lingkan Beatrix Wowiling Logor, Grand Lontoh, Patricia D. V. P. Lumintang, Jillano Solideo Magdalena Wullur Makagansa, Meveri Cyanli Mandagi, Christina Nadya Maria Tielung Maria V. J. Tielung Martinus Lourensio Mallisa Maryam Mangantar Maryam Mangantar Mawitjere, Praisethy M. Mawuntu, Christian Vrenly Mentang, Verennia T. N. Merinda H. Ch. Pandowo Merlyn Karuntu Michelle Awuy Mongi, Rifan E. Monicha Natasya Magerite Nathasya Mewengkang Ogi, Imelda W. J. Ogi, Imelda W.J. Okta Gabriel Mamahit Paat, Franda Benedicta Pakasi, Debora Glorya Palandeng , Indrie Debbie Palilingan, Lingkan N. Paulus Kindangen Peter Anderson Runtu Peter Claudio Musa sangkay Poli, Meiny Meily Purba, Marganda Nevira Rampen, Dio B. Rawis, Miracle Raynaldo Fabian Karel Posumah Regina Trifena Saerang Regina Trifena Saerang Reychel Tendean Ridel Muaya Ridho Prawira Ramadhanu Rondonuwu, Happy Estherella Rudy S. Wenas Rumbay, Wulandary E. T. S. L. H. V. Joyce Lapian S. L. H. V. Joyce Lapian S.L.H.V Joyce Lapian Saerang, David P. S. Saerang, Ivonne L. Saerang, Regina Trifena Sauba, Yulitha K. Sefryan Reinaldo Uway Siagian, Shintya G. Sifrid S. Pangemanan Sifrid S. Pangemanan Sineleyan, Verren Jilly Siti Rapika Ariyanto Soekamto, Militia Ch. V. Sofryan Injillion Pelealu Stans Joyce Lapian Stephanie Ludya Natalia Sukamta, Nuraini Retnaningrum Tambaani, Olivia Syalomita Teneh, reynald Then, William W. Therok, Francisca A. Timpua, Mitha Randa Tiwa, Angel Syerina Triutari Wahyuni Suwono Tuegeh, Octavia Diana Monica Tulende, Sharell S. M. Tumbuan, Willem J. F. A. Umboh, Syallomika F. B. W. Vanya Monica Debora Frans Vanya Priscylia Ayu Vinny Gloria Rooroh Walean, Enjelia E. Watulingas, Evangelica Putri Watuseke, Amadeo Josua Rolanto Wewengkang, Caeli B. P. Willem J. F. A. Tumbuan Willem J.F. Alfa Tumbuan, Willem J.F. Alfa Worang, Frederik Gerard Wowor, Wenseslaus