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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Journal of Asean Studies on Maritime Issues
Johan R. Tumiwa, Johan R.
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Earth & Planetary Sciences Economics, Econometrics & Finance

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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

Abstract

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 
COMPARISON ANALYSIS OF ORIGINAL AND COUNTERFEIT COSMETICS BASED ON PERCEIVED QUALITY CASE STUDY ON STUDENTS OF SAM RATULANGI UNIVERSITY Wuwungan, Ivana .; Pangemanan, Sifrid S.; Tumiwa, Johan R.
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 3 (2017): JE VOL 5 NO 3 (2017) HAL 4095
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (922.642 KB) | DOI: 10.35794/emba.v5i3.18313

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Abstract: Cosmetic is one type of product that often has prestigious prices tied with quality to attract consumers, which (as often is seen with high-priced products) arouses the interests of counterfeiters to copy the originals. Cosmetic can reflect certain life-styles. Cosmetic also can creates different perceived values depending on the consumer. The research aims to find out if there is significant difference in original and counterfeit product based on perceived quality of Sam Ratulangi University. This research conducted by a quantitative method to support the hypothesis. The respondent of this study was using 100 respondents of students in the university. This study was carried out in Samratulangi University. The research adopts comparative research were issued to gather data from the customer to measure their assessment about the original counterfeit cosmetics in the university and their perceived quality. Based on the result of this research, the study found that there are significant diffrence in original and counterfeit. Cosmetics quality perspective of original quality is better than counterfeit quality.Keywords : marketing, counterfeit cosmetics, perceived quality.
A COMPARATIVE STUDY OF JOB ENRICHMENT BETWEEN MALE AND FEMALE IN DINAS PEKERJAAN UMUM PROVINSI SULUT Andries, Jazzy .; Lambey, Linda .; Tumiwa, Johan R.
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol 5, No 3 (2017): JE VOL 5 NO 3 (2017) HAL 3885
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (563.328 KB) | DOI: 10.35794/emba.5.3.2017.18261

Abstract

Abstract: This research is important because through job enrichment, employee can increase job satisfaction by givingemployees the opportunity to use their various abilities. The purpose of this study is to know making the work moreinteresting, challenging and satisfying if comparative studies of Job Enrichment between male and female employees. Thebenefits of this study are to improve employee performance and reduce public complaints about Public Servant. Therecommendation for this research is leaders must be careful when measuring employee performance. Because of that, not allemployees can receive and do job enrichment. This study uses quantitative research and data was collected from the PublicWorks Department of North Sulawesi. The data were analyzed by Independent Sample T-test, to analyze if there anysignificant difference between job enrichment of male and female in Dinas Pekerjaan Umum Provinsi Sulut. The populationof this research is the employees of Dinas Pekerjaan Umum in Sulut, with 50 respondents of male employee and 50respondent of female employee as the sample. The result shows that there is a significant difference between job enrichmentof male and female at Dinas Pekerjaan Umum Sulut.Keywords: job enrichment, male, female
Co-Authors Andries, Jazzy . Arline, Nadya . Barri, Hillary Gabriella Bororing, Tirza David P.E Saerang Frederik G. Worang, Frederik G. Lakada, Maharani Nadia Lapian, S.L.H.V. Joice Lapian, S.L.H.V.Joyce Linda Lambey, Linda Lumempow, Rani Anatasia Manampato, Jeane Claudia Nino, Yunaningsih Rumangu, Mac J. Sifrid S. Pangemanan Sri Murni Suoth, Jonathan G. Tamalero, Feiby Tommy, Parengkuan . Tumbuan, W.J.F Alfa Wuwungan, Ivana .