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All Journal JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Walangitan, Priskila Gissela Marlia
Universitas Kristen Indonesia Tomohon
Humanities Decision Sciences, Operations Research & Management Education Environmental Science Social Sciences Other

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PERBEDAAN FINTECH PEER TO PEER LENDING ANTARA GENERASI X DAN GENERASI Y DALAM MODEL BEHAVIORAL INTENTION DI MANADO Walangitan, Priskila Gissela Marlia; Lapian, Joyce S.L.H.V; Sumarauw, Jacky S.B
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 7, No 3 (2020): JMBI UNSRAT Volume 7 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v7i3.31428

Abstract

Abstract: Financial Technology is considered as the development of financial technology in the financial services sector. One of the most interesting types of financial technology (Fintech) is peer-to-peer lending, hence Fintech peer-to-peer lending becomes an alternative choice for loan providers now. This study aims at investigating the difference of Fintech peer-to-peer lending between Generation X and Generation Y in the behavioral intention model in Manado by involving a total sample of 183 respondents who were divided into two groups, namely 88 respondents from Generation X and 99 respondents from Generation Y. This study employed a quantitative causal-comparative study design using the PLS-Multigroup analysis. This study revealed that there were differences in the effect of perceived usefulness, subjective norms, and perceived behavior control on the behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City. Meanwhile, perceived ease-of-use, perceived usefulness, and attitude towards a behavior did not have a difference in the effect on behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City.Keywords: Perceived ease-of-use, subjective norm, perceived behavior control, perceived usefulness, attitude towards a behavior, the behavioral intention of useAbstract: Financial Technology is considered as the development of financial technology in the financial services sector. One of the most interesting types of financial technology (Fintech) is peer-to-peer lending, hence Fintech peer-to-peer lending becomes an alternative choice for loan providers now. This study aims at investigating the difference of Fintech peer-to-peer lending between Generation X and Generation Y in the behavioral intention model in Manado by involving a total sample of 183 respondents who were divided into two groups, namely 88 respondents from Generation X and 99 respondents from Generation Y. This study employed a quantitative causal-comparative study design using the PLS-Multigroup analysis. This study revealed that there were differences in the effect of perceived usefulness, subjective norms, and perceived behavior control on the behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City. Meanwhile, perceived ease-of-use, perceived usefulness, and attitude towards a behavior did not have a difference in the effect on behavioral intention of use of Fintech peer-to-peer lending between Generation X and Generation Y in Manado City.Keywords: Perceived ease-of-use, subjective norm, perceived behavior control, perceived usefulness, attitude towards a behavior, the behavioral intention of use
KEPERCAYAAN DARING PEMEDIASI KONTEN DALAM MEMPENGARUHI NIAT BELI DI FACEBOOK Priskila Gissela Marlia Walangitan; Rilie Tirza Liliroyor Sagai
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 10 No 2 (2023): JMBI UNSRAT Volume 10 Nomor 2
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v10i2.51246

Abstract

Abstract: Social commerce can be explained as a trading activity mediated by social media, which has emerged as a recent innovation in e-commerce. Facebook has developed the concept of social commerce on its platform. This research aims to determine the effect of content on purchase intentions on Facebook, where initial trust and ongoing trust are mediating variables in people of Manadonese descent, with a total sample of 162 respondents. This research uses quantitative methods using SEM-PLS. Based on the findings of this research, content quality influences bold purchase intentions on Facebook, and bold trust, which consists of initial trust and ongoing trust, partially mediates content on purchase intentions. So, business actors dare not only improve the quality of content but also need to build online trust, namely initial trust and ongoing trust to increase purchasing intentions.   Abstrak:  Perdagangan social dapat dijelaskan sebagai suatu aktivitas perdagangan yang dimediasi oleh media sosial, yang muncul sebagai inovasi terkini dalam e-commerce. Facebook telah mengembangkan konsep perdagangan sosial di platformnya. Penelitian ini bertujuan untuk mengetahui pengaruh konten terhadap niat beli di facebook dimana kepercayaan awal dan kepercayaan berkelanjutan sebagai variable mediasi pada orang keturunan manado, dengan total sampel sebanyak 162 Responden. Penelitian ini menggunakan metode kuantitatif dengan menggunakan SEM-PLS. Berdasarkan temuan penelitian ini kualitas konten berpengaruh terhadap niat beli secara daring di Facebook juga kepercayaan daring yang terdiri dari kepercayaan awal dan kepercayaan berkelanjutan memediasi secara parsial konten terhadap niat beli. Sehingga, para pelaku usaha daring tidak hanya meningkatkan kualitas konten situs namun perlu membangun kepercayaan online yaitu kepercayaan awal dan kepercayaan berkelanjutan untuk meningkatkan niat beli.  
DEVELOPMENT STRATEGY FOR MARINE TOURISM AT KOMBI BEACH IN NORTH SULAWESI : Strategi Pengembangan Wisata Bahari Pantai Kombi di Sulawesi Utara Pingkan Aprilia Maramis; Kristi Karla Arina; Priskila Gissela Marlia Walangitan; Sammy Rommy Novie Korua; Jefta Eoudio Jeremia Maramis; Jibrael Albert Jesson Bolung; Gloria Virginia Regita Wangkay
Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Vol 8 No 2 (2024): SANTHET: (JURNAL SEJARAH, PENDIDIKAN DAN HUMANIORA) 
Publisher : Proram studi pendidikan Sejarah Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/santhet.v8i2.4566

Abstract

Marine tourism is an important contributor to the global economy that relies heavily on the preservation of coastal resources (Gössling, Hall, and Scott 2018). Kombi Beach, which is located in Kombi District, is not only known by local tourists, but also begins to attract the attention of foreign tourists. However, the development of marine tourism on Kombi Beach still faces various challenges, including limited infrastructure, suboptimal promotion, and public awareness of the importance of sustainable tourism. However, despite having various advantages, Kombi Beach still faces a number of challenges that need to be overcome in order to compete with other tourist destinations around it. The data analysis in this study uses SWOT analysis. Based on the results of the SWOT analysis for the marine tourism development strategy on Kombi Beach, which resulted in several important points. First, the strength of Kombi Beach lies in its unique natural beauty, climate that supports tourism throughout the year, as well as support from the government and local communities. Second, the weaknesses faced include limited supporting infrastructure, less than optimal promotion, and the quality of human resources in the tourism sector that need to be improved. Furthermore, the opportunities that exist include increasing marine tourism trends, potential investment from the private sector, and advances in digital technology that can increase promotion. However, the challenges that must be watched out for are competition with other tourist destinations, potential environmental damage, and economic instability that can affect tourist visits. Based on the analysis, the recommended development strategy is an aggressiveness (SO) strategy. Steps that can be taken include the development of integrated tour packages that combine natural and cultural activities, utilizing digital promotion with government support, involving local communities in tourism efforts, and collaborating with the government to improve transportation access
OVERCOMING BARRIERS TO DIGITAL FINANCIAL INCLUSION: A CASE STUDY OF MICRO ENTERPRISES IN TOMOHON: Mengatasi Hambatan dalam Inklusi Keuangan Digital: Studi Kasus Usaha Mikro di Tomohon Priskila Gissela Marlia Walangitan
Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Vol 9 No 4 (2025): SANTHET: (JURNAL SEJARAH, PENDIDIKAN DAN HUMANIORA) 
Publisher : Proram studi pendidikan Sejarah Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/santhet.v9i4.5747

Abstract

This research investigates the impact of digital financial inclusion on the marketing strategies of micro enterprises in Tomohon, Indonesia. Digital financial inclusion refers to the accessibility and use of financial technology by micro enterprises to enhance their operations and marketing efforts. The study employs a qualitative approach, utilizing in-depth interviews and case studies to gather data from micro enterprise owners who have adopted digital financial technology. The findings reveal that while the adoption of digital financial technology among micro enterprises in Tomohon is still limited, it has shown significant potential in improving marketing efficiency and expanding market reach. The use of social media platforms, e-commerce, and digital payments has enabled these enterprises to overcome geographical limitations and reach a broader customer base. However, the research identifies several challenges, including low financial literacy, inadequate technological infrastructure, and limited support from government and financial institutions. These challenges hinder the widespread adoption of digital financial technology among micro enterprises. To address these issues, the study recommends the development of comprehensive financial literacy programs, investment in technological infrastructure, and incentives for the adoption of digital payments. Continuous monitoring and evaluation of these initiatives are essential to ensure their effectiveness in promoting sustainable growth and inclusivity. The research concludes that digital financial inclusion can be a catalyst for economic growth and development in Tomohon, provided that the identified barriers are effectively addressed.
The Role of Leadership and Digital Culture in Enhancing Organizational Sustainability in Higher Education: A Case Study at Universitas Kristen Indonesia Tomohon Sammy Rommy Novie Korua; Peggy Adeline Mekel; Priskila Gissela Marlia Walangitan
SOSIOEDUKASI Vol 14 No 3 (2025): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v14i3.6142

Abstract

This study explores the interaction between leadership, digital culture, and organizational sustainability within the context of digital transformation at Universitas Kristen Indonesia Tomohon (UKIT), a faith-based higher-education institution in Eastern Indonesia. Employing a qualitative case study design, data were collected through in-depth interviews with 15 key informants, strategic document analysis, and observational notes. Thematic analysis revealed that value-driven transformative leadership serves as the central catalyst for digital adoption, with senior leaders actively modeling digital practices and framing technology as an extension of the Christian mission and service. The concept of "digitalization with heart" emerged as a powerful narrative that reduced resistance and fostered moral legitimacy among stakeholders. While digital culture remains in transition, generational differences and structural barriers are gradually being addressed through communities of practice and meaning-making processes that align innovation with the institutional identity. The integration of religious values into digital initiatives enabled a unique form of cultural alignment, distinguishing UKIT from secular transformation models. The impact on organizational sustainability is evident across the academic, operational, financial, and social dimensions, including improved graduation rates, reduced paper dependency, cost savings, and expanded outreach to marginalized communities. The findings suggest a reciprocal relationship among leadership, culture, and sustainability, forming a context-sensitive model of digital transformation grounded in ethical commitment and a shared vision. This study contributes to the literature by demonstrating how resource-constrained institutions can achieve sustainable digital change through holistic, value-based, and participatory approaches. It also offers practical insights for leaders of faith-based and regional universities navigating digital evolution.
Co-Authors Arina, Kristi Karla Gloria Virginia Regita Wangkay Jacky S. B. Sumarauw Jefta Eoudio Jeremia Maramis Jibrael Albert Jesson Bolung Lapian, Joyce S.L.H.V Maramis, Pingkan A Peggy Adeline Mekel Rilie Tirza Liliroyor Sagai Sammy Rommy Novie Korua