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Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis
Published by Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia
ISSN : 29885043     EISSN : 29885035     DOI : 10.61132
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Human Resource Management, Financial Management, Marketing Management, Public Sector Management, Operations Management, Supply Chain Management, Corporate Governance, Business Ethics, Management Accounting and Capital Markets and Investment
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 384 Documents
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Analisis Kualitas Pelayanan Berbasis Digital dalam Proses Pengajuan dan Penyerahan Paspor Kepada Pemohon di Kantor Imigrasi Kelas I TPI Manado Villia Priska; Meiske Wisye Manopo; Margaretha Anatje Rundengan
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2875

Abstract

The implementation of electronic services through the M-Paspor application represents digital transformation in Indonesia’s immigration sector, including the Class I TPI Immigration Office of Manado. However, implementation still faces technical disruptions, limited digital literacy, and lengthy interview queue waiting times. This study aims to describe and analyze digital-based services in passport application and delivery, implementation according to Standard Operating Procedures (SOP), and their contribution to public satisfaction. A qualitative descriptive method was employed. Data were collected through in-depth interviews, observation, and documentation involving six informants, consisting of three service officers and three passport applicants. Service quality was analyzed using Sinambela’s (2017) six indicators: transparency, accountability, conditionality, participation, equal rights, and the balance of rights and obligations. The results indicate that M-Paspor-based services are generally understood and implemented according to SOP, with relatively high applicant satisfaction. Information transparency is fairly good, although completion-time estimates, rescheduling provisions, and document upload formats require clarification. Perceptions differ regarding equal rights, as some applicants still perceive unfair treatment. Network disruptions, system errors, and delayed OTP codes remain major obstacles, while participation in feedback and complaints is low. Strengthening system capacity, information clarity, and participation features is therefore needed to improve digital passport services.
Pengaruh Tingkat Pendapatan dan Gaya Hidup terhadap Perilaku Keuangan Pribadi melalui Minat Menabung Mahasiswa di Palembang Siti Rahmah Ayu; Fitriasuri Fitriasuri; Septiani Fransisca; Andrian Noviardy
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2877

Abstract

This study aims to analyze the effect of income level and lifestyle on personal financial behavior through saving interest among students in the Plaju area of Palembang City. This study uses a quantitative approach with a causal associative design. The research data were collected through questionnaires distributed to students and analyzed using path analysis and the Sobel test. This study employs income theory, lifestyle theory, and the Theory of Planned Behavior as the theoretical foundations for explaining the relationships among the research variables. Income theory explains that income level influences an individual’s ability to allocate resources for consumption and savings. Lifestyle theory explains that a person’s activities, interests, and opinions can influence consumption patterns and financial management. Meanwhile, the Theory of Planned Behavior explains that interest or intention is a factor that encourages individuals to engage in certain behaviors, including saving and financial management. The results show that income level and lifestyle are related to students’ saving interest and personal financial behavior. Saving interest also plays a mediating role in linking income level and lifestyle with personal financial behavior. The findings highlight the importance of saving interest in shaping students’ financial behavior to become more organized and responsible.
Dari Nilai Budaya ke Kinerja Organisasi: Mediasi Wellbeing pada Kepemimpinan Berbasis Kearifan Lokal dan Gaya Kepemimpinan pada Kelompok Tani di Banyuasin III Rosita Rosita; Rismarini Rismarini; Stenia Ruski Yusticia; Ria Ramadona; Nyimas Amelia V. S. R.; Ririn Meyda Wanti
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2880

Abstract

Farmer groups occupy a strategic position in Indonesia’s agricultural development, yet their performance depends heavily on the quality of leadership exercised within a strong local socio-cultural setting. This study examines the influence of local wisdom-based leadership characteristics and leadership style on farmer group performance, with wellbeing as a mediating variable, among farmer groups in Banyuasin III, South Sumatra. Using a quantitative explanatory design, data were collected through questionnaires from 223 respondents and analyzed with Structural Equation Modeling based on Partial Least Squares (SEM-PLS), including evaluation of the measurement and structural models and hypothesis testing through bootstrapping. The results show that local wisdom-based leadership has a significant positive effect on wellbeing, and wellbeing has a significant positive effect on performance, with wellbeing fully mediating the effect of local wisdom-based leadership on performance. Leadership style, in contrast, shows no significant direct or indirect effect on either wellbeing or performance. These findings confirm that leadership rooted in local cultural values is more effective than conventional leadership styles in strengthening the performance of community-based agricultural organizations through improved member wellbeing, offering practical direction for farmer empowerment programs in Indonesia.
Peran Keuangan Hijau terhadap Transformasi Pariwisata Berkelanjutan pada Sektor Perhotelan: Systematic Literature Review Vivi Nawangsari; Tasrim Tasrim; Ayu Anisa
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2881

Abstract

The hospitality sector plays a major role in driving economic growth within tourism, yet it consumes vast amounts of energy and water while producing substantial waste. When hotel operators plan to shift toward cleaner operations, upfront capital often stands as a primary obstacle. Green finance offers a funding bridge that directs capital into resource-efficient projects, environmental certifications, and operational updates. This systematic review evaluates how green finance drives sustainable tourism transformation in the hospitality sector. A comprehensive literature search was conducted across Scopus, Web of Science, ScienceDirect, MDPI, and Google Scholar for peer-reviewed journal articles published between 2022 and 2026 that address green finance, ESG frameworks, eco-friendly practices, or hotel certifications. Following PRISMA guidelines, 20 relevant articles were selected and verified. The findings reveal five key patterns. Green finance instruments, sustainable credit options, and green taxes broaden the scope of available capital. ESG performance generally connects to improved financial outcomes for hotels, although initial setup costs remain high. Eco-friendly practices and certifications help strengthen brand image and customer loyalty, with documented willingness-to-pay premiums hovering around 5%. Improved credit access boosts overall tourism performance, whereas mid-scale and independent hotels encounter hurdles due to modernization costs. Overall, the path of industry transformation is moving away from basic operational efficiency toward more regenerative models. Hotels need to link green investments directly to performance indicators, secure accessible financing options, and maintain open, accurate communication with guests.
Memetakan Pengaruh Strategi Digital Marketing: Efektivitas Influencer dan Online Customer Review dalam Mendorong Keputusan Pembelian Wardah di Shopee Syifa Fauziya; Anastasia Br Surbakti; Sabbatun Nabilla; Triana Setiyarini
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2882

Abstract

This study aims to analyze the effect of digital marketing strategies through influencer marketing and online customer reviews on purchase decisions for Wardah products on Shopee. The growth of e-commerce has encouraged cosmetic companies to implement digital marketing strategies to attract consumers and influence purchasing behavior. This study used a quantitative approach with multiple linear regression analysis. The respondents were 109 Management 23 students at UTM who met the criteria as Shopee users and Wardah consumers. Data were collected through questionnaires and analyzed to examine the partial and simultaneous effects of influencer marketing and online customer reviews on purchase decisions. The results showed that influencer marketing had a positive and significant effect on purchase decisions, with a regression coefficient of β = 0.251 and p = 0.009 < 0.05. Meanwhile, online customer reviews did not have a significant effect, with β = 0.144 and p = 0.127 > 0.05. Simultaneously, both variables significantly influenced purchase decisions with an R² value of 9.5%. These findings indicate that influencer marketing has a stronger role than online customer reviews in influencing Wardah consumers on Shopee.  
Strategi Customer Service dalam Menangani Keluhan Pelanggan pada JNE Cabang Utama Manado Sherina Stevanie Walelang; Adelaida Joroh; Inka Marry Steviarty Tumengkol
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2887

Abstract

The banking sector faces various risks in carrying out its intermediation function, one of which is operational risk that may arise from inadequate or malfunctioning internal processes, human error, system failures, or external events. This risk has the potential to occur in various bank activities, including the pension loan disbursement process, particularly at the application and verification stages, which involve document review, data matching, and system usage. This study aims to describe and analyze the implementation of operational risk management in the pension loan application and verification process at PT Bank Mandiri Taspen Manado Branch Office, referring to the four risk management processes stipulated in Financial Services Authority Regulation Number 18/POJK.03/2016, namely risk identification, measurement, monitoring, and control. This study employs a qualitative approach using a descriptive case study method. Primary data were obtained through interviews with the Credit Operation Officer (PCO) and Account Officer Pension (AOP), as well as field observations, while secondary data were obtained from Standard Operating Procedures (SOPs), forms, internal policies, and other supporting documents. Data were analyzed using the interactive model developed by Miles, Huberman, and Saldana, comprising data condensation, data display, and conclusion drawing/verification, with data validity examined through source triangulation, technique triangulation, and member checking. This study is expected to provide an empirical overview of operational risk management practices at the branch office level and serve as a basis for evaluation for the company in strengthening its pension loan application and verification process.
Analisis Penerapan Manajemen Risiko Operasional dalam Proses Pemberian Kredit Pensiun di PT Bank Mandiri Taspen Kantor Cabang Manado Regilia Lumempouw; Vekky Supit; Cysca Adeleida Juliana Langi
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2889

Abstract

The banking sector faces various risks in carrying out its intermediation function, one of which is operational risk that may arise from inadequate or malfunctioning internal processes, human error, system failures, or external events. This risk has the potential to occur in various bank activities, including the pension loan disbursement process, particularly at the application and verification stages, which involve document review, data matching, and system usage. This study aims to describe and analyze the implementation of operational risk management in the pension loan application and verification process at PT Bank Mandiri Taspen Manado Branch Office, referring to the four risk management processes stipulated in Financial Services Authority Regulation Number 18/POJK.03/2016, namely risk identification, measurement, monitoring, and control. This study employs a qualitative approach using a descriptive case study method. Primary data were obtained through interviews with the Credit Operation Officer (PCO) and Account Officer Pension (AOP), as well as field observations, while secondary data were obtained from Standard Operating Procedures (SOPs), forms, internal policies, and other supporting documents. Data were analyzed using the interactive model developed by Miles, Huberman, and Saldana, comprising data condensation, data display, and conclusion drawing/verification, with data validity examined through source triangulation, technique triangulation, and member checking. This study is expected to provide an empirical overview of operational risk management practices at the branch office level and serve as a basis for evaluation for the company in strengthening its pension loan application and verification process.
The Influence of Food and Beverage Department Service Quality on Customer Satisfaction at Tanatap Coffee Braga Bandung Mochamad Zidan Alhakim; Nuniek Dewi Pramanik; Rosita Rosita
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2890

Abstract

This study analyzes the effect of Food and Beverage Department service quality on customer satisfaction at Tanatap Coffee Braga Bandung. A quantitative descriptive-correlational survey was conducted with 30 customers selected through non-probability sampling. Data were collected through a five-point Likert questionnaire, interviews, documentation, and observation, and processed using SPSS version 26. Instrument testing covered validity and reliability, followed by normality and heteroscedasticity tests, simple linear regression, the coefficient of determination, and a t-test. All 30 questionnaire items were valid because their item correlations exceeded the critical r value of 0.361. Reliability was high, with Cronbach's alpha values of 0.937 for service quality and 0.956 for customer satisfaction. Residuals met the normality criterion (Kolmogorov-Smirnov p = 0.200; Shapiro-Wilk p = 0.113), while the Glejser test indicated no heteroscedasticity (p = 0.770). The regression equation was Y = 4.410 + 0.914X. Service quality had a positive and statistically significant effect on customer satisfaction (beta = 0.900; t = 10.928; p < 0.001), and R Square = 0.810 indicated that 81.0% of the variation in customer satisfaction was explained by service quality. The findings emphasize service speed, employee friendliness and attitude, and service accuracy as operational priorities for strengthening customer satisfaction in a competitive coffee-shop environment.
Brand Awareness terhadap Keputusan Calon Nasabah dalam Pembukaan Rekening Bsg Pedagang Pasar Kota Tomohon Sesilia Flaura Paat; Robby Tanod Mamusung; Vekky Supit
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

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

Abstract

Bank SulutGo (BSG), as a Regional Development Bank operating in North Sulawesi and Gorontalo, faces intense competition in attracting customers from the traditional market trader segment, particularly from national banks such as BRI that have long dominated this segment. Although BSG offers products that are comparable, or even more tailored to local community needs, such as the KUR Bohusami Ba Tibo program, traditional market traders in Tomohon City tend to be more familiar with and prefer competing banks. This condition is presumed to stem from BSG's low level of brand awareness among this segment. This study aims to determine the level of brand awareness of traders at the Beriman Traditional Market in Tomohon City toward BSG, to determine prospective customers' decisions regarding opening a BSG account, and to analyze the effect of brand awareness on that decision. This study employs a quantitative approach with a causal associative research design. The population consists of all 955 active traders at the Beriman Traditional Market in Tomohon City, with a sample of 91 respondents determined using the Slovin formula (10% margin of error) and selected through simple random sampling. Data were collected through Likert-scale questionnaires, observation, and literature review, and analyzed using simple linear regression analysis to examine the effect of the brand awareness variable (X) on prospective customers' decisions (Y). The findings of this study are expected to provide empirical insight into BSG's level of brand awareness and evidence of its influence on account-opening decisions, thereby serving as an evaluation tool and strategic recommendation for BSG's management in designing more targeted marketing programs for the traditional market trader segment.
Analisis Tingkat Kesehatan Koperasi Syariah: Studi Kasus BMT Huwaiza Depok Fathi Yakan; Nur Aini
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2893

Abstract

The health level of Sharia cooperatives is a government policy issued by the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia to evaluate the performance and sustainability of cooperatives. This assessment serves as an important benchmark to ensure that Sharia-based financial institutions operate in accordance with regulations, maintain transparency, and provide benefits for members. The purpose of this study was to analyze the health level of Sharia cooperatives, specifically focusing on KSPPS BMT Huwaiza. The research employed a descriptive analysis approach, which allowed the researcher to systematically describe and interpret the cooperative’s financial and managerial conditions. The results of this study indicate that the health level of Sharia cooperatives at KSPPS BMT Huwaiza falls into the “quite healthy” category, with a score of 74.93, positioned within the range of 66 ≤ X < 80. These findings highlight that although the cooperative demonstrates adequate performance, there is still room for improvement in order to reach the “healthy” category and strengthen its role in supporting member welfare and economic development.

Page 38 of 39 | Total Record : 384

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