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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Abdurrauf Science and Society
Balak, Vanesa Anastasia
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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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.
The Analysis of The Influence of Work Environment and Job Stress on Employee Performance With Work Commitment As A Mediating Variable at The Regional Development Planning, Research and Development Agency Office in Kotamobagu City Balak, Vanesa Anastasia; Lengkong, Victor P.K.; Worang, Frederik G.
Abdurrauf Science and Society Vol. 1 No. 3 (2025): Abdurrauf Science and Society
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/asoc.v1i3.239

Abstract

The Regional Development Planning, Research and Development Agency Office in Kotamobagu City are a technical institution tasked with implementing regional planning, research and development activities to improve regional development planning, enhance the regional innovation system and increase the utilization of research and development results for achieving regional development goals. The purpose of this study is to analyze the influence of Work Environment and Work Stress on Employee Performance, with Work Commitment as a mediating variable at the Office of Regional Development Planning, Research, and Development Agency of Kotamobagu City. The analytical method used is a quantitative approach with an associative method, utilizing SmartPLS version 4.0. he research results indicate that the Work Environment and Work Stress have a direct positive influence on Employee Work Commitment. Furthermore, Work Stress and Work Environment affect Employee Performance through the mediating role of Work Commitment; however, this mediating effect is positive but not statistically significant for employees at the Regional Development Planning, Research, and Development Agency of Kotamobagu City.
Co-Authors Frederik G. Worang, Frederik G. Tumiwa, Johan . Victor P.K. Lengkong