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JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi)
Published by Universitas Sam Ratulangi
ISSN : 23563966     EISSN : 26212331     DOI : -
Core Subject : Science,
Decision Sciences, Operations Research & Management
Arjuna Subject : -
Articles 642 Documents
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PENGARUH SUASANA TOKO DAN KUALITAS LAYANAN TERHADAP LOYALITAS PELANGGAN Wawan Kuswandana; Tjiptodjojo, Kartika Imasari
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.59725

Abstract

Good store atmosphere and service quality can support the success of a business in reaching consumers who have the desire and action to make repeated purchases. This research focuses on how store atmosphere and service quality can affect customer loyalty. Data were collected through questionnaires distributed to 145 respondents, who had shopped at least five times at the Griya Setrasari supermarket, in Bandung City. Data analysis used linear regression analysis and the results showed that store atmosphere and service quality contributed 38.5% to customer loyalty. Recommendations are aimed at improving store atmosphere elements and employee training to create a satisfying shopping experience.
PENGARUH PRINSIP-PRINSIP GOOD GOVERNMENT GOVERNANCE TERHADAP KUALITAS LAPORAN KEUANGAN YANG DI MODERASI OLEH KOMPETENSI SUMBER DAYA MANUSIA Muksin Hadi; Hadady, Hartaty; Suwito
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.60009

Abstract

Abstract: This study aims to determine and test the Influence of Good Government Governance Principles on the Quality of Financial Reports Moderated by Human Resource Competence. This study uses a quantitative approach, where the data used is in the form of numbers or quantitative data that has been processed. The population that is the focus of this study is the regional apparatus that is directly involved in the management of regional finances with, The sample in this study was represented by 4 parts, each OPD was taken by 4 respondents consisting of the Head of Didas/Agency, Secretary, Treasurer, Head of Program Sub-Division/Head of Finance Sub-Division. The data collection method was carried out through survey techniques and using questionnaires. The analysis method for testing the hypothesis in this study is Smart Partial Least Squares (SmartPLS 4.0). The test results show The test results show the influence between Accountability has a significant effect on the Quality of Financial Reports, Budget Transparency has a significant effect on the Quality of Financial Reports, Budget Participation does not have a significant effect on the Quality of Financial Reports, The test results show the influence between Human Resource Competence has a significant effect on the Quality of Financial Reports. The test results show that the influence of human resource competency is unable to moderate Accountability towards the Quality of Financial Reports and Human Resource Competence moderates Budget Participation which has a significant influence on the Quality of Financial Reports.
ANALISIS MANAJEMEN RISIKO KEUANGAN PADA UMKM WARUNG MAKAN “TANJUNG RAYA” DI KOTA SEKADAU Junianta, Maria; Yulita; Mutyarani, Rara
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.60194

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of local economies in Sekadau City, yet face financial risk management challenges. This study aims to analyze financial risk management at Tanjung Raya Food Stall. Using qualitative methods with descriptive analysis, interviews, and documentation, the results show that Tanjung Raya successfully manages financial risks through: (1) innovative menu and customer service, (2) business diversification (catering), (3) efficient cash flow and inventory management, and (4) independent working capital management. Tanjung Raya demonstrates effective financial risk management, reflecting prudent financial management and a focus on sustainability
ANALISIS RISIKO NILAI TUKAR MATA UANG ASING TERHADAP PROFITABILITAS BANK UMUM NASIONAL DI INDONESIA Panggabean, Priska Basariana
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.60908

Abstract

Bank’s exposure to market risks significantly affects bank's income, profit and return even though it is not its primary source of income. This study will analyze the relationship between foreign exchange rate risk using the Value at Risk method against the rate of return on assets invested by banks. The data used is sourced from data on the Net Open Position of 5 Banks in Indonesia in 2021, 2022, 2023 in 5 foreign currencies, calculated with Value at Risk approach in portfolio currencies, as the independent variables. Regression analysis was carried out simultaneously with the financial ratios of CAR, NPL, and NIM as control variables. The results obtained showed that the increase in foreign exchange rate risk with the Value at Risk method along with CAR and NIM have a positive correlation with the increase in RoA and the NPL ratio had a negative correlation with the increase in RoA.
CORPORATE SOCIAL RESPONSIBILITY, INTELLECTUAL CAPITAL, AND FIRM VALUE: A CASE STUDY OF ENERGY COMPANIES IN INDONESIA Wicaksono, Ignatius Geraldo; Eko Rizkianto
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.54357

Abstract

This study aims to analyse the relationship between the independent variable Corporate Social Responsibility (CSR), the mediating variable Intellectual Capital measured through the Variable Added Intellectual Coefficient (VAIC), which includes Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), and Capital Employed Efficiency (CCE), and the dependent variable firm value represented by Tobin’s Q. Additionally, control variables such as firm size, leverage, and sustainability reporting are included in the analysis. Data for this study were obtained from companies listed in the IDX Energy sector index during the period 2018-2022. Based on the research findings, a significant relationship was found between Corporate Social Responsibility (CSR) and Tobin’s Q, indicating that CSR practices contribute to firm value as measured by Tobin’s Q. The mediating variable, Intellectual Capital, also has a significant impact on Tobin’s Q. The results of the mediation model analysis indicate that intellectual capital plays a role as an intermediary in the relationship between CSR and Tobin’s Q.
PENGARUH MORALITAS INDIVIDU DAN KOMPETENSI APARATUR TERHADAP PENCEGAHAN FRAUD PENGELOLAAN KEUANGAN DESA DI KABUPATEN MINAHASA Mawikere, Lidia Marlina; Morasa, Jenny; Kapojos, Peter
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.58412

Abstract

This study aims to (1) determine the influence of individual morality on the prevention of village financial fraud (2) determine the influence of apparatus competence on the prevention of village financial fraud. The type of research is quantitative research. The population in this study consisted of the village head, village secretary, village treasurer and Village Consultative Body totaling 40 people. The data collection technique used the questionnaire method. The data analysis technique used multiple linear regression. The results of the study showed (1) individual morality had an effect on the prevention of village financial fraud (2) apparatus competence had an effect on the prevention of village financial fraud (3) individual morality and apparatus competence had a simultaneous effect on the prevention of village financial fraud
TECHNOLOGICAL INNOVATION: ADOPTION OF ARTIFICIAL INTELLIGENCE IN MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) Relifra; Ainil Mardiah; Eko Fikriando; Ramadhi; Oza Syafriani
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

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

Abstract

This study examines the factors influencing the adoption of Artificial Intelligence (AI) technology among Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. By integrating the Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT), the research explores how perceived usefulness, perceived ease of use, and social influence impact MSME attitudes and behavioral intentions toward AI adoption. A quantitative method using path analysis and structural equation modeling (SEM) is employed to test the relationships between independent variables (AI adoption) and dependent variables (MSME performance), with data analysis conducted using Smart PLS 4.0 software. A quantitative approach is used to measure variables based on the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). This study explores the factors influencing the adoption and utilization of artificial intelligence (AI) in small and medium enterprises (SMEs) using a framework combining TAM and UTAUT. The findings highlight that perceived usefulness and effectiveness positively shape attitudes toward AI, as do ease of use and effort expectancy. Ease of use also enhances perceptions of AI’s usefulness and effectiveness. Behavioral intention to adopt AI is influenced by perceived benefits, ease of use, and social influence, with gender, age, and experience moderating these effects. Attitudes toward AI strongly drive behavioral intention, which subsequently leads to actual usage. Facilitating conditions, such as technological support and infrastructure, also play a key role in enabling usage, especially for experienced users and when adoption is voluntary. These findings emphasize the importance of usability, perceived value, and contextual factors in encouraging AI adoption in SMEs.
PENGARUH KUALITAS PRODUK DAN CITRA MEREK DALAM MENINGKATKAN LOYALITAS PELANGGAN Sipayung, Helena Margaretha; Tjiptodjojo, Kartika Imasari
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 11 No 3 (2024): JMBI UNSRAT Volume 11 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.59726

Abstract

A strong brand and a product with good quality will encourage a stronger desire for customers not to switch in purchasing. Apple products are products with a strong brand and quality that is recognized worldwide. This is what drives the purpose of the study to see how these two variables can affect customer loyalty. Data were collected through questionnaires distributed to 121 respondents who met the criteria, such as having used Apple products for more than a year. The results show that product quality and brand image simultaneously affect customer loyalty with a contribution of 61.8%.
PENGARUH KUALITAS PELAYANAN DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN Almunaf, Dhiaz Indrazaprila; Tjiptodjojo, Kartika Imasari
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 11 No 3 (2024): JMBI UNSRAT Volume 11 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v11i3.59737

Abstract

Understanding quality services and products in a business is one of the factors that needs attention, especially in dealing with rapidly changing trends. Moreover, changes in trends are closely related to changes in consumer behavior. Consumers will easily switch purchases if they feel dissatisfied. Therefore, this study examines how service quality and product quality can influence purchasing decisions made by consumers. Data shows that despite an increase in coffee consumption in Indonesia, Kintsugi Terrace sales have fluctuated, with a significant decline from August to November 2024. Data collection involved 97 respondents selected through non-probability with purposive sampling. The results show that simultaneously service quality and product quality have a significant positive effect on purchasing decisions by 66.7%.
TECHNOLOGY CONTINUANCE THEORY DALAM ONLINE CUSTOMER EXPERIENCE UNTUK MENINGKATKAN KONTINUITAS PENGGUNAAN M-WALLET PADA GENERASI Z Wibowo, Gilang Rahmat; Masnita, Yolanda; Kurniawati
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 12 No 1 (2025): JMBI UNSRAT Volume 12 Nomor 1
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v12i1.59805

Abstract

Post-use research on m-Wallet needs to be considered to retain its users. The gamification effect assisted by Online Customer Experience is an option to increase user trust in using m-Wallet to increase continued usage intentions. In this study, data collection was conducted by distributing questionnaires online to generation Z and collected 297 respondents. This study shows that attitude, gamification and usefulness have a positive effect on m-Wallet continous intention. The moderating effect on Online Customer Experience was also found to have a positive effect on m-Wallet continous intention. Further research is expected to further explore other characteristics such as other generations, age, education, and occupation.

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