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All Journal JURNAL PESISIR DAN LAUT TROPIS JURNAL ILMIAH PLATAX JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI JURNAL LPPM BIDANG EKOSOSBUDKUM Journal of Asean Studies on Maritime Issues JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Jurnal Agroekoteknologi Terapan Jurnal Akuntansi Manado (JAIM)
Johan Tumiwa
Universitas Sam Ratulangi Manado
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Social Sciences

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PROFITABILITY DETERMINANTS OF COMMERCIAL BANKS: A CASE STUDY OF INDONESIAN COMMERCIAL BANKS Rumangu, Mac J.; Lambey, Linda .; Tumiwa, Johan R.
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 2 (2017): JE VOL 5 NO 2 (2017) HAL 2597
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (987.601 KB) | DOI: 10.35794/emba.v5i2.16826

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Abstract: Indonesian banking industry plays a critical role in the country economic condition. The country depends on banks as financial intermediation. Starting from 2010, commercial banks total asset and credit distribution grew significantly. The banks are expanding in order to reach more customer. The expansion makes commercial banks to operate with high cost to keep up with the development. Another problem arises as the economic contraction in 2012 affects credit growth and banks’ non-performing loan began to rise in 2014. Commercial banks’ profitability with ROA as the proxy, has been in positive trends since 2008 declined in 2013 and continues for the next years. This research aims to examine the profitability determinants of Indonesian commercial banks during the 2010-2015 period. Sample of 71 commercial banks and panel data regression with fixed effect is used in the analysis. This study finds commercial banks’ profitability as seen by ROA has been declining for some years since 2013. The high operating cost due to the expansion state and the increase of nonperforming loan cause inefficiency and decline in ROA. Net interest margin affects ROA positively while capital to total asset ratio shows a negative relationship. Total asset and diversification income insignificantly affect profitability.Keywords: profitability, commercial banks, roa (Return on Asset), efficiency 
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

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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
THE EFFECT OF BRAND IMAGE, PERCEIVED PRCE, AND PERCEIVED QUALITY ON CONSUMERS’ PURCHASE DECISION OF POND’S SKIN CARE PRODUCT Cahyani, Nidia Sri; Lapian, S L.H.V.J; Tumiwa, Johan
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 2 (2017): JE VOL. 5 No. 2 (2017) HAL. 235 - 362
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (849.452 KB) | DOI: 10.35794/emba.v5i2.15622

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Abstract:Beauty has been one of the important things for women. Nowadays, the use of skin care such as mouisturizer have become their daily routines, some of them are use skin care products from beauty clinics also use products that sale in the supermarket. The aims of this study are to analyze the effect  of brand image, perceived price, and perceived quality on consumers’ purchase decision of Pond’s skin care product. This reserach is causal type of research which uses primary data obtained through questionnaires and uses Ordinal Regression Analysis. The population observed is people in Manado who have used Pond’s skin care product with 100 respondents as the sample size. The result of this study shows that brand image, perceived price, and perceived quality have significant effects on consumers’ purchase decision. For recommendations, the company must keep maintaining and improve their brand image, price, and the quality of produc Pond’s.Keywords:brand image, perceivedprice, perceived quality, consumer purchase decision
ANALYZING THE SERVICE QUALITY OF TOYOTA TENDEAN WORKSHOP (CV KOMBOS) USING IMPORTANCE AND PERFORMANCE ANALYSIS (IPA) Ticonuwu, Feradha; Lapian, Joice; Tumiwa, Johan
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 2 (2017): JE. VOL 5 NO 2. (2017). HAL 847
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.013 KB) | DOI: 10.35794/emba.v5i2.16003

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ABSTRACT: Service quality is an important factor in customer service. Customers service expectation from past experiences and marketing communications make customer satisfy with the service quality. Car is an important thing that is thought to help facilitate human life. Since the means of transportation is discovered, movement of human life becomes more easy and dynamic. More importantly, the car should be in service at the dealership workshop in order to comfort and stability of the car maintained. CV. Kombos in PT. Hasjrat Abadi Manado Tendean street give service like change oil , tune up , repair body and engine cars , and after sales service monthly regularly.The aim for this study is to analyze the service quality of Toyota Tendean Workshop (CV.Kombos) using Important and Performance Analysis. This research has identified 10 elements of service quality attributes which are: The facilities and tools , the comfortable of waiting room , the quick service , staff able explain about product or damage , staff can provide solution , the quickest workers handle the customer complaints , safety products , customer trust , staff understand customer needs , staff provide simplicity. Keywords: Service quality , Importance and Performance Analysis
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

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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

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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 INFLUENCE OF PERCEIVED RISK ON PURCHASE POSTPONEMENT OF PRIVATE LABEL BRAND PRODUCT AT HYPERMART Wijaya, Steven; Mekel, Peggy A.; Tumiwa, Johan
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 2, No 3 (2014): Jurnal EMBA, HAL 361 - 476
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (447.353 KB) | DOI: 10.35794/emba.v2i3.5571

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Marketers nowdays focus on product attributes to satisfy the consumer needs and wants, most of them able to deliver the product value in consumer mind and success in triggering purchase decision, but unfortunately some marketers face the problem that consumer may perceived some risk on their product and can lead to purchase postponement by the consumer. The questions to be adressed in this research are,  do consumers perceived risk exist on private label brand product offered by Hypermart with Value Plus trademark and do the perceived risk influence purchase postponement. The objectives of this research are to analyze the perceived risk factor in influencing purchase postponement of Hypermart private label brand product in Manado and identify which type of perveived risk that have the most significant effect on purchase postponement. Multiple Linear Regression Analysis choosen as the tool to reveal the associational of two or more variable in this research. From the examination of 100 respondents the research shows Perceived Risk factor which are Functional Risk, Physical Risk, and Financial Risk has significant effect on purchase postponement of Hypermart private label brand product. Therefore, Hypermart should be considering a strategy to minimize the risk perceived by consumer in order to trigger consumer not to postpone their purchase decision. Keywords: functional risk, physical risk, financial risk, purchase postponement
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

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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
FACTORS DRIVING CONSUMER PURCHASE DECISION IN SELECTING SMARTPHONE (Study: Students Of Faculty Of Economics And Business) Soriton, Lavenia; Tumiwa, Johan
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 4, No 2 (2016): JE Vol.4 No.2 (2016) Hal. 518-640
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (447.405 KB) | DOI: 10.35794/emba.4.2.2016.13112

Abstract

A Smartphone is a mobile phone, generally built on with a mobile operating system that has more advance computing capability and connectivity than a feature phone. People use Smartphone less for the phone calls and more for internet browsing, social media, emails, online shopping, navigation and so many other things. Smartphone are replacing more of gadgets like digital cameras and alarm clocks. And now there has been an increasing in the number of Smartphone users in Manado. This research is aimed to analyze the factors driving buying decision in selecting smartphone for smartphone users using Factor Analysis for data reduction that summarizes the observed factors. The population refers to students of Faculty of Economics and Business with sample size as many as 110 respondents and convenience sampling used to as the sampling technique. The finding resulted there are two new factors formed from seven most dominant out of twenty variables, first factor which is Performance Expectancy divided by five items those are Technology Factors, Usability Features, Perceived Quality, Perceived Ease of Use and Brand Loyalty and second factor which is Personal Factors divided by two items those are Product Sacrifice and Consumer Attitude. The recommendations that can be drawn in this research, is the smartphone company should be able to improve the quality of its product in order to meet the customers need. Keywords: consumer purchase decision, analysis factor, smartphone
ANALYSING RELATIONSHIP MARKETING TACTICS AT PT. BANK SULUTGO SIAU Ateng, Hana Febrina; Worang, Frederik G; Tumiwa, Johan
Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 3 (2017): JE.VOL.5 NO 3 (2017) HAL. 3303
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (534.693 KB) | DOI: 10.35794/emba.v5i3.17503

Abstract

Abstract: Since more competition in business nowadays, many companies are required to build long-term profitable relationship with customers and to achieve customer loyalty. All of company and from every industry tried giving their best to maintained customers satisfaction. One type of services companies that important in the business world are banks that has work as a financial institution and financial intermediary for everyone. There are so many ways and differences relationship marketing tactics implemented for the customers. This study analyses the relationship of marketing tactics namely service quality, communication and price perception in PT. Bank SulutGo Siau. Used qualitative method, 10 customer were interviewed to collect the data. A semi-structure interview is used in this research to collect primary data. Result and conclusion showed that service quality, communication and price perception as became indicators in this result has positive responses from customers Bank SulutGo Siau. Keywords: relationship marketing tactics, service quality, value offers, communication.
Co-Authors Adiguna, Irena Neysa Adrian Nagy Alfa Pakasi, Alfa Alfian Ryan Henry Tanawal Andries, Jazzy . Anggi To Antonius P Rumengan Arline, Nadya . Ateng, Hana Febrina Balak, Vanesa Anastasia Barri, Hillary Gabriella Billy Wagey Bororing, Tirza Cahyani, Nidia Sri Carolus P Paruntu Carolus Paulus Paruntu Dave Danie Lie, Dave Danie David P.E Saerang David Paul Elia Saerang Desmianti Tangiduk, Desmianti Tangiduk Djibran, Hanifah . Dumais, Lady Priscillia Farlane S. Rumokoy Ferdinand J. Tumewu Ferdy Roring Frederik G. Worang, Frederik G. Hengky J Sinjal Indrie D. Palandeng Janet Devina Koapaha, Janet Devina Johanis, Kelly Kasmadi, Kartika Aprillia Kawet, Frilly Kawet, Octodavid Kerap, Stephenny Karen Rahel Kindangen, Indah Rani Jessica Lakada, Maharani Nadia Landjang, Xenia I. S. Lapian, Joice Lapian, S L.H.V.J Lapian, S.L.H.V. Joice Lapian, S.L.H.V.Joyce Lavenia Soriton, Lavenia Linda Lambey, Linda Liono, Marcelita . Lumempow, Rani Anatasia Lumunon, Dwiranni F. Manampato, Jeane Claudia Mandagi, Pinkan Elisabeth Mangindaan, Frenly . Maria Tielung Melmambessy, Thiopillo . Mentang, Indri Winda Nagy, Adrian Nagy, Adrian Szilárd Nagy, Peter Nainggolan, Mutiara . Ni Wayan Surina, Ni Wayan Nino, Yunaningsih Novi Dwi Lestari Octavia Diana Monica Tuegeh Paat, Franda Benedicta Pamela Christania Rompas, Pamela Christania Pangemanan, Sifried S. Pantouw, Emanuela Jesica Parengkuan Tommy Paulina Van Rate Paulus Kindangen Peggy Adeline Mekel Ponto, Monica . Putri Juwita Pertiwi, Putri Juwita Rivo Christian Kumowal, Rivo Christian Rumangu, Mac J. S.L.H.V Joyce Lapian Shinta Wangke, Shinta Sifrid S. Pangemanan Sri Murni Steven Wijaya Stevie N. Mawey, Stevie N. Suoth, Jonathan G. Suria Darwisito Tamalero, Feiby Ticonuwu, Feradha Tindatu, Chintya Julia Tommy, Parengkuan . Tuegeh, Octavia Diana Monica Tumbuan, W.J.F Alfa Willem J.F.A Tumbuan Wuwungan, Ivana . Zefanya Fernando Baroleh, Zefanya Fernando Zumrotin, Tsania .