Garuda - Garba Rujukan Digital

ANALISIS PERKEMBANGAN GIRO TABUNGAN DAN DEPOSITO DI PT BANK SULUT Prilliana Kristin; Mieke Roring; Joula J. Rogahang
JURNAL ADMINISTRASI BISNIS Vol. 4 No. 1 (2016): jurnal administrasi bisnis
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v4.i1.%p

Absract, The study is based on the bank's financial institutions are very strategic role in the economy of the country, to execute its role as an institution that serves the management of financial services to facilitate the efforts of the government program and the community in general. Collecting funds within the bank there are some products that are offered include: Current Accounts, Savings and time deposits. The research problems are: is how the development of demand deposits, savings and time deposits in PT Bank North Sulawesi? and the purpose of the study was to determine the development of demand deposits, savings and time deposits in a few years (the period). The method used in this research is descriptive quantitative method, the data collection techniques of interview, observation and document. Which becomes a variable is the calculation of the amount of demand deposits, savings and time deposits in the last 5 years. Technical analysis of the data using linear trend analysis of time series approach. Results of the analysis showed above trend growth or increased demand deposits, savings deposits from the 2010 s / d in 2014 and forecast forward for the next 3 years of current accounts in 2015 will grow 13,238,058, 2016, 15,053,028, and in 2017 will berjumlah16.867.998 , for savings, 2015, 1269863, 2016 1547591, 2017, 1,825,318. and deposits in 2015, 11,610,185, 2016, 14,871,173, 2017, 18,123,156.Keyworsd : the development of demand deposits, savings and time deposits

ANALISIS PEMBERIAN KREDIT MIKRO TERHADAP PENINGKATAN NASABAH STUDI PADA PT. BANK SULUTGO CABANG MANADO RIFKA REGAR; WILLIAM A. AREROS; JOULA J. ROGAHANG
JURNAL ADMINISTRASI BISNIS Vol. 4 No. 4 (2016): Jurnal Administrasi Bisnis
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v4.i4.%p

Abstract. The purpose of this study was to determine the effect of micro-credit to the increase in customers of PT Bank Sulutgo in Manado. The sample in this study were 60 customers as respondents. The data in this study using statistical parametric approach correlation analysis. Results indicate micro credit effect on the increase in customers. Therefore, PT Bank Sulutgo leaders must pay attention to micro businesses in order to increase the number of clients continues to contribute to the development of micro-enterprises in the city of Manado. Keywords: Micro credit, Improved Customer

PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN KONSUMENPADA PT JUMBO SWALAYAN MANADO VELNAWATY K.L. OHY; Johny A. F. Kalangi; Joula J. Rogahang
JURNAL ADMINISTRASI BISNIS Vol. 5 No. 002 (2017): Jurnal Adminnistrasi Bisnis
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v5.i002.%p

Customer satisfaction is also one of the important things in a marketing. When a customerfeels satisfied with a product or service, then customers generally will continue to buy anduse it. And indirectly he will promote by telling others about his experience of the quality ofthe products or services he has used. Conversely, if customers are not satisfied then tend tomove to another place. This study aims to determine and prove how much influence thequality of service to customer satisfaction at PT Jumbo Swalayan Manado. The population inthis study are consumers who shop at Jumbo Self-service. Samples taken by 50 respondentsby using non prpbability sampling technique with accidental sampling approach, that issampling technique based on chance, that anyone who happened to meet with the researchercan be used as sample if considered suitable. One of the factors that determine the level ofsuccess and quality of the company is the ability of the company in providing services tocustomers. Every business competes to produce the best service quality for its consumers.According to the Parasuraman (in Rambat 2013: 216) the quality of services can be definedas how far the difference between reality and consumer expectations for the services theyreceive. Meanwhile, according to Tjiptono (2007) the quality of service as an effort to meetthe needs and desires of consumers and the accuracy of delivery in the balance of consumerexpectations. Based on the results of research and data analysis, the regression equation isgenerated ie, with the value of determination. This means that consumer satisfaction isinfluenced by the independent variable (service quality) consisting of reliability,responsiveness, assurance, empathy, tangible,, while the rest is heard by variable. Beyond thisstudy is quite small, then the next research is suggested to examine the variables that existoutside the study but have a proportion that the quality of service has a positive andsignificant impact on customer satisfaction at PT Jumbo Swalayan Manado. Given the greaterquality of service impact on customer satisfaction is expected to more companies improveservices to create loyal customers.Keywords: Service Quality, Consumer Satisfaction

PENGARUH RELATIONSHIP MARKETING TERHADAP LOYALITAS NASABAH DI PT.BANK MANDIRI KC.DOTULOLONG LASUT MANADO HAJAR ASWAT KANDOU; Johny A. F. KALANGI; JOULA J. ROGAHANG
JURNAL ADMINISTRASI BISNIS VOL 5. NO 004 (2017): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v0.i0.%p

At Bank Mandiri KC.Dululolong Lasut Manado experienced theproblem of unstable customer savings rate. This unstable number of subscribersis biased by the downturn in the client's economic condition, or there are otherfactors between services that do not correspond to unsatisfactory interests orunsatisfactory facilities that customers turn to other banks. Planting thecredibility of the company, certainly not an easy thing, it takes an appropriatestrategy for the purpose and objectives can be achieved optimally, especially inthe field of marketing. Basically Relationship marketing is a long-termrelationship and bond between producers, consumers, suppliers, and otheractors. Customer loyalty is a behavior associated with a product's brand,including possible renewal of a contract in the future. This research usesquantitative method, sampling technique in this study using Simple RandomSampling, The formula used in calculating this simple correlation coefficient isproduct moment. From the results of statistical testing can be seen clearly thatthe free variable Relationship Marketing affect the dependent variableCustomer Loyalty. the influence of the given free variable is positive whichmeans the more active relationship marketing then result in higher loyalty ofcustomers generated. These results are also in accordance with the proposedhypothesis. This shows that relationship marketing is one of the determinants ofcustomer loyalty because good relationship marketing will create and maintaincustomer loyalty. So the higher the relationship marketing applied will increasecustomer loyaltyKeywords: Relationship Marketing and Customer Loyalty

Pengaruh Suasana Toko Terhadap Minat Beli Konsumen Pada UD. Sinar Anugerah Pratama Manado Jeremia Alfredo Paila; John A. F. Kalangi; Joula J. Rogahang
JURNAL ADMINISTRASI BISNIS Vol. 6 No. 001 (2018): JURNAL ADMINISTRASI BISNIS UNSRAT
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v6.i001.%p

Store atmosphere is a physical characteristic that is very important for every business and can affect the feelings or moods of consumers who visit the store, thereby affecting the interest to buy. Buying interest is a desire to buy a product or service to be purchased. In every business activity, basically aims to gain maximum profit in order to maintain the exsitence of the company amid the competition. The goal to be achieved in this research is to know the magnitude of the influence of store atmosphere on consumer buying interest in UD. Sinar Anugerah Pratama Manado. The research is a kind of quantitative research. Independen variable (x) is the store atmosphere and the dependent variable (y) buying interest. The population of this research is all visitor in UD. Sinar Anugerah Pratama Manado. Assuming the population in this study is not limited. Sampling in this study using purposive sampling method, data collection techniques used in this study is a questionnaire. Samples drawn from a population of 50 respondents consisting of 72% female and 28% male. Hypothesis testing in this study using parametric statistics in the form of t-test to see how the influence of each independent variable individually to the dependent variable. And the f-test to see how the influence of all independent variables together on the dependent variable. The value of f-arithmetic of 8.519 with the significance p-value = 0.005 < 0.05 indicates that there is a simultaneous significant influence of the store's atmosphere on buying interest. The value of t-arithmetic of 2.919 with significance p-value = 0.005 < 0.05 indicates that there is a partial significant influence of the independent variable to the dependent variable. This means that there is a strong relationship that gives effect to buy interest to consumers. From the results of hypothesis testing above shows there is significant influence of store atmosphere to consumer buying interest in UD. Sinar Anugerah Pratama Manado. Keywords: Store atmosphere, buying interest.

Analisis Perbandingan Anggaran Biaya Operasional Dan Anggaran Pendapatan Dalam Menilai Kinerja Keuangan Pada PT. Air Manado Mayangsari Sorongan; Frendy A. O. Pelleng; Joula J. Rogahang
JURNAL ADMINISTRASI BISNIS Vol. 6 No. 004 (2018): JURNAL ADMINISTRASI BISNIS
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/jab.v6.i004.77-85

Conditions to achieve the target of several years identified that the company (PT. AIR Manado) experienced obstacles in the process of actualizing the draft budget that had been prepared by the company. Thus, this study aims : (1). To analyze the difference between the budget and its realization, both the operational budget and the income budget and make comparisons between the two components of the budget; (2). To determine the magnitude of the effect of the operational cost budget and income budget on financial performance at PT. AIR Manado. This research is descriptive-explanatory so it uses descriptive-analytic method with a verivative-quantitative research approach. The result of this study indicate that (1). Based on the determination coefficient value, the operational cost budget and income budget have a strong categorized relationship with Return on Assets (ROA). This can be seen with an R value of 0.834. (2). Based on the analysis of deviations through the Paired sample t-test technique it is known that the deviations that occur in the income and operational costs budget with its realization are still within the limits of management control. (3). Based on the t-statistical test, it was concluded that partially the operational cost budget and income budget had no significant effect on the Return on Assets (ROA) of PT. AIR Manado. It is recommended that the management of PT. AIR Manado, you should pay attention to the preparation and determination of the operational cost budget and income budget in order to give a greater contribution in the assessment of company performance.Keywods : Operational Budget, Budget Costs Income, Financial Performance

Pengaruh Digital Payment terhadap Perilaku Konsumen Pengguna OVO di Kota Manado Gillian Mongi; Joula J. Rogahang; Olivia F.C Walangitan
Productivity Vol 6 No 1 (2025): Maret 2025
Publisher : Program Studi Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/ejp.v6i1.55374

This study was conducted to determine the influence of digital payments on the consumptive behavior of OVO users in Manado City. This study used a quantitative approach and data collection was carried out through the distribution of questionnaires. The number of samples is determined by the Roscoe formula with a sample number of 50 people. The data obtained is processed with SPPS version 23. The data analysis technique uses simple linear regression analysis. The existing data is then processed and interpreted so that it can draw conclusions. Based on the results of the study, it is known that digital payments have a significant effect on the consumptive behavior of OVO users in Manado City, which is 31%. This study found that several factors that can influence consumptive behavior in active users are ease of making transactions, point or discount features, and time effectiveness.

Pengaruh Praktik Manajemen Sumber Daya Manusia dan Komitmen Organisasional Terhadap Kinerja Karyawan Siloam Hospital Paal 2 Salsa Lubis; Wehelmina Rumawas; Joula J. Rogahang
Productivity Vol 7 No 1 (2026): Maret 2026
Publisher : Program Studi Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/ejp.v7i1.55754

The aim of this research is how influential human resource management practices and organizational commitment are on the performance of Siloam Hospital Paal 2 employees. The sampling technique in this research uses a probability sampling technique, while the instrument used in this research uses a Likert scale. The type of data in this research is primary data with data collection techniques by distributing questionnaires. Results of analysis using the SmartPLS 4 application. It can be concluded that human resource management practices and organizational commitment can optimize employee performance. Not only does it have benefits for the company or organization, human resource management practices and organizational commitment can help individuals themselves in carrying out their duties and responsibilities.

Pengaruh Kualitas Pelayanan terhadap Kepuasan Nasabah Tabungan BTN Juara di Bank Tabungan Negara (Persero) Tbk, Cabang Manado Nikita Levrina Rumondor; Johny R. E. Tampi; Joula J. Rogahang
Productivity Vol 7 No 1 (2026): Maret 2026
Publisher : Program Studi Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/ejp.v7i1.61226

The purpose of this study was to determine the effect of service quality on customer satisfaction on BTN Juara savings at Bank Tabungan Negara Manado Branch. The approach used in this research is quantitative method, with a focus on State Savings Bank (BTN) customers who use BTN Juara savings products as a population. The sample was taken by purposive sampling, with a total of 100 participants. For data analysis, this study will implement the coefficient of determination (R2) technique, as well as the T test and simple linear regression test. This research will also apply the validity and reliability tests, along with the normality test to ensure that the data obtained is accurate and reliable and also to ensure that the data used in statistical analysis follows a normal distribution, which is important for the validity of the analysis results..

Analisis Laporan Keuangan dalam Mengukur Kinerja Keuangan pada PT. Garuda Maintenance Facility Aero Asia Tbk Brendha Frisilia Mangowal; Joula J. Rogahang; Joanne V. Mangindaan
Productivity Vol 6 No 2 (2025): Juni 2025
Publisher : Program Studi Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35797/ejp.v6i2.61615

The aim of this research is to analyze the financial performance of PT. Garuda Maintenance Facility Aero Asia (GMF AeroAsia) for the period 2019 to 202 by using liquidity ratio, activity ratio, solvency ratio, and profitability ratio. This research utilizes a quantitative descriptive approach. Data from this research is obtained by collecting financial statements of PT. Garuda Maintenance Facilty Aero Asia Tbk for the 2019-2023 period. The research findings indicate that, based on liquidity, activity, profitability, and solvency ratios, the company's financial performance is in an unfavorable position. Each ratio falls below industry standards, signifying that the company's performance is not optimal. This condition was exacerbated by the impact of the Covid-19 pandemic which resulted in a drastic decline in revenue, and the company's short-term liabilities have exceeded existing current assets. It is expected that PT. Garuda Maintenance Facilty Aero Asia Tbk, should take steps to restructure debt, optimize assets and improve operational efficiency for the company's financial recovery

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