Ferdinand J. Tumewu
University of Sam Ratulangi Manado

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The Influence of Service Quality and Procing Strategy on Purchase Decision at Jojomanadoadventur3 Tourism Trip Services Toha, Jescika Shintya Magdalena; Lapian, S. L. H. Joyce; Tumewu, Ferdinand J.
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 12 No. 4 (2024): JE. VOL 12 NO 4. 2024
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v12i4.59176

Abstract

This study investigates the impact of service quality and pricing strategy on purchase decisions among consumers utilizing Jojomanadoadventur3 tourism trip services. Employing a quantitative research method, a sample of 100 respondentswas selected through simple random sampling to ensure representativeness. Data were collected using structured questionnaires assessing service quality dimensions, pricing strategies, and purchase decision variables. Statistical analysis, including correlation and regression techniques, was conducted to evaluate the relationships between the variables. The findings reveal a significant positive relationship between service quality and purchase decisions, indicating that higher service quality leads to increased consumer satisfaction and loyalty. Additionally, pricing strategy was found to significantly influence purchase decisions, suggesting that competitive pricing enhances consumer willingness to buy. This research contributes to the understanding of consumer behavior in the tourism sector and provides valuable insights for Jojomanadoadventur3 to optimize their service offerings and pricing strategy. Keywords: service quality, pricing strategy, purchase decision
THE IMPACT OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND INTELLECTUAL CAPITAL ON MICRO SMALL, MEDIUM ENTERPRISES (MSMES) PERFORMANCE IN MANADO Poluan, Efrani; Tulung, Joy Elly; Tumewu, Ferdinand J.
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.v13i01.59994

Abstract

This research examines the Impact of Financial Literacy, Financial Technology, and Intellectual Capital on the Performance of Micro, Small and Medium Enterprises (MSMEs) in Manado. MSMEs play an important role in economic development, especially in developing countries such as Indonesia. However, they face major challenges related to financial management, technology adoption, and understanding of business management. This research uses a quantitative approach, collecting data through a structured online questionnaire to 96 MSMEs actors in Manado. Adopting multiple regression analysis testing procedure, using IBM SPSS Version 29 to analyze the data. The findings show that the level of financial literacy, financial technology, and intellectual capital has a positive effect on the performance of MSMEs simultaneously for partial only financial technology has slightly no impact. The results emphasize the need for stakeholder intervention to improve financial literacy, encourage the adoption of financial technology, and leverage intellectual capital to foster sustainable growth and competitiveness among MSMEs.   Keywords: Financial Literacy, Financial Literacy, Intellectual Capital, Micro Small Medium Enterprises (MSMES)
ANALISIS PELAKSANAAN STANDAR MUTU PELAYANAN DI BANK RAKYAT INDONESIA (BRI) KANTOR CABANG Paparang, Gilbert Erickson; Wullur, Magdalena; Tumewu, Ferdinand J.
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 4 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Sebagai lembaga terintermediasi, pihak perbankan membutuhkan kepercayaan dari masyarkat terutama nasabahnya sehingga kelangsungan sektor perbankan sebagai urat nadi perekonomian dapat terus berjalan. Untuk memperoleh kepercayaan dari masyarakat maka sektor perbankan harus dikelola secara profesional mulai dari segi pelayanan, strategi pemasaran yang baik, segi keuangan yang dikelolah dengan prinsip kehati-hatian serta perbankan harus inovatif dalam menciptakan produk yang dibutuhkan oleh masyarakat. Tujuan dari penelitian ini yaitu untuk mengetahui bagaimana elaksanaan standar mutu pelayanan PT. Bank Rakyat Indonesia (Persero), Tbk. Kantor Cabang Pembantu Banggai Laut. Penelitian ini menggunakan metode penelitian kualitatif. Teknik pengambilan sampel bersifat “sampling purposive” ialah melalui pertimbangan tertentu. Teknik pengumpulan data melalui wawancara dengan Pegawai bank BRI KCP Banggai Laut dan Nasabah BRI KCP Banggai Laut, observasi dan studi dokumen. Hasil dari penelitian ini adalah (BRI) KCP Banggai Laut, sudah memenuhi kriteria sebagai unit pelayanan sebagai mestinya, dan juga memenuhi harapan nasabah dalam bertransanksi, serta memberikan pelayanan dengan semaximal mungkin untuk nasabahnya, Bank Rakyat Indonesia (BRI) KCP Banggai Laut memberikan rasa nyaman kepada nasabah untuk bertransanksi.
PENGARUH UMUR PERUSAHAAN, REPUTASI UNDERWRITER, JENIS INDUSTRI DAN STRUKTUR MODAL TERHADAP TINGKAT UNDERPRICING SAHAM PADA PERUSAHAAN YANG MELAKUKAN IPO DI BURSA EFEK INDONESIA (STUDI PADA PERUSAHAAN YANG TERDAFTAR DI BEI PERIODE 2021-2024) Sidabutar, Andreas Patimbo; Tumewu, Ferdinand J.
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.v13i04.64357

Abstract

Penelitian ini dilakukan untuk menguji pengaruh umur perusahaan, reputasi underwriter, jenis industri, dan struktur modal terhadap tingkat underpricing saham pada perusahaan yang melaksanakan IPO di Bursa Efek Indonesia periode 2021–2024. Studi ini mengadopsi pendekatan kuantitatif dengan metode deskriptif. Sampel penelitian berjumlah 102 perusahaan IPO yang diambil berdasarkan purposive sampling sehingga hanya perusahaan yang memenuhi kriteria tertentu yang digunakan dalam analisis. Data dianalisis melalui regresi data panel dengan menerapkan model terpilih, yaitu Fixed Effect Model (FEM). Hasil analisis menunjukkan bahwa secara simultan variabel usia perusahaan, reputasi underwriter, jenis industri, dan struktur modal memiliki pengaruh signifikan terhadap underpricing. Dari analisis parsial, hanya variabel struktur modal (DER) yang terbukti berpengaruh negatif dan signifikan terhadap underpricing, sedangkan usia perusahaan, reputasi underwriter, dan jenis industri tidak memberikan pengaruh yang signifikan. Temuan ini menunjukkan bahwa investor cenderung bereaksi negatif terhadap struktur modal dengan tingkat leverage tinggi, karena tingginya beban utang meningkatkan risiko keuangan serta menimbulkan kekhawatiran terkait kemampuan perusahaan memenuhi kewajiban jangka panjang. Dalam konteks IPO, kondisi tersebut membuat investor lebih berhati-hati sehingga menekan harga saham yang diperdagangkan pertama kali.   Kata Kunci: Underpricing, Umur Perusahaan, Reputasi Underwriter, Jenis Industri, Struktur Modal
THE INFLUENCE OF PRODUCT QUALITY AND CONSUMER TRUST ON PURCHASING DECISIONS IN SHOPEE ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, SAM RATULANGI UNIVERSITY Ambalau, Sweetly Yedia; Tielung, Maria V. J.; Tumewu, Ferdinand J.
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.v13i04.64798

Abstract

This study aims to analyze the influence of product quality and consumer trust on purchasing decisions at Shopee among students of the Faculty of Economics and Business. The research method applied is a quantitative approach by distributing questionnaires to 100 respondents. Data were analyzed using multiple linear regression through SPSS. The results indicate that product quality has the most dominant influence on purchasing decisions, as reflected by the highest beta coefficient and strong significance level. This finding suggests that the better the product quality offered, the higher the likelihood that consumers will make a purchase. Consumer trust also shows a positive influence on purchasing decisions, although its effect is not as significant compared to product quality. Factors such as transaction security, platform reputation, and alignment with personal values contribute to shaping consumer trust in Shopee. These findings highlight that improving product quality and building consumer trust are crucial strategies for Shopee to maintain user loyalty and compete effectively in the increasingly competitive e-commerce market.   Keywords: Product Quality, Consumer Trust and Puechasing Decisions
Co-Authors Abas, Dewita Lucyana Ambalau, Sweetly Yedia Amiman, Rene Joshua Amisi, Anita Selyn Archi C. Ruslim, Archi C. Ariananda, Shanon Eunike Arrazi Hasan Jan, Arrazi Hasan Bittie, Windy . Bolung, Clairy . Caecilia Eva Martina Korompis David Kaunang David P. E. Saerang David P.E Saerang David P.E. Saerang David Paul Elia Saerang Esterlita, Geruh D. N. Frederik G. Worang, Frederik G. Gerung, Billy Setiawan Indrie D. Palandeng Inkiriwang, Novia A. James D. D. Massie, James D. D. James D.D. Massie Joy Elly Tulung Kaban, Zakariya U. Kalangi, Josep B. Kalumata, Gabriella F. M. Kaseger, Angeli Korua, Bryan Yoshua Lapian, S L. H. V. J, Lapian, S. L. H. Joyce Lonteng, Ekaristi Magdalena Wullur Mandagi, Calvin Maria Tielung Maryam Mangantar Massie, James D.D Mohammad, Inayah Nadzillah Mokodompit, Ichsan R. Noertamin, Excellent Palilingan, Vanessa Natalisa Pangow, Laurel F. E. Paparang, Gilbert Erickson Paulus Kindangen Pesik, Rebecca Poluan, Christian H. S. Poluan, Efrani Putra, Adjie M. Syah Rahajeng, Adetea Pavita Rompas, Chrisly Yosua Rompas, Fransisca S.L.H.V Joyce Lapian Sambouw, Agnes F. O. Siahaan, Sika E. K Sidabutar, Andreas Patimbo Sifrid S. Pangemanan Soloty, Edmund Soputan, Miguel O. S. Sumaraw, Josefina M. Tambajong, Monica Tamon, Laurena R. Tampinongkol, Devid Christian Tamuntuan, Santa . Tasik, Hizkia H.D Toha, Jescika Shintya Magdalena Tumatar, Carenina A. Tumbuan, W.J.F Alfa Tumbuan, Willem J. F. A. Tunari, Yudha J. Tuwo, Kevin Engelbert Umboh, Yobel . Unsulangi, Harly I. Viantara, Afriandy Walukow, Tessalonica Miracle Wijayati, Saputri Dwi Willem Mailoa William, Reo Jubert Wongkar, Esther V. Yeriko A. N. Tampi, Yeriko A. N.