Garuda - Garba Rujukan Digital

The Influence of Perceived Ease of Use, Perceived Risk and Consumer Trust towards Merchant Intention in using QRIS as a Digital Payment Method Maria Andriani Halimah Pontoh; Frederik G. Worang; Ferdinand J. Tumewu
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 3 (2022): JE. Vol 10 No 3 (2022)
Publisher : Universitas Sam Ratulangi

The purpose of this research is to analyze the influence of Perceived Ease of Use, Perceived Risk and Consumer Trust towards Merchant Intention in using Quick Response Code Indonesian Standard (QRIS) simultaneously or partially. This research method uses questionnaire data collection techniques with the respondent data of 100 people. The result showed that Perceived Ease of Use has significant effect on Merchant Intention in using QRIS as a digital payment method, while Perceived Risk and Consumer Trust has no significant effect on Merchant Intention in using QRIS as a digital payment method. From these results, it is recommended for merchants who have not switched to non-cash transactions, it is hoped that they can use QRIS as a digital payment method, considering that QRIS has low risk, is easy to use and can save time quickly and efficiently. Also, it is recommended for further researchers to able to expand this research.

The Effect of Work Pressure and Affective Commitment on Turnover Intention at PT. Artaboga Cemerlang Manado Debora F. Lontoh; Frederik G. Worang; Ferdinand J. Tumewu
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 4 (2022): JE. VOL 10 NO 4 (2022)
Publisher : Universitas Sam Ratulangi

Abstract: This study aims to understand and find out if work pressure and affective commitment have an effect on turnover intention at PT. Artaboga Cemerlang Manado employee. This research is using quantitative method. It will explain the relationship of variables through causal analysis in the scale method between two continuous independent variables and one dependent variable. Researcher distributed questionnaires and the sample used was 30 respondents. The result showed both work pressure and affective commitment simultaneously have a significant effect of turnover intention at PT. Artaboga Cemerlang Manado. It can be concluded that the work pressure variable partially has a significant effect on turnover intention and affective commitment partially has a significant effect on the turnover intention at PT. Artaboga Cemerlang Manado. Based on the results it can be said that working pressure and affective commitment have an important role in affecting turnover intention. PT. Artaboga Cemerlang Manado needs to manage well amount of job that they give to their workers and developing human resource strategies to strengthen the level of affective commitment. Keywords: work pressure, affective commitment, turnover intention

The Influence of Perceived Credibility, Perceived Ease of Use, and Perceived Usefulness toward Customer Satisfaction in Using BSGtouch Dominika R. Londa; Frederik G. Worang; Fitty V Arie
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 4 (2022): JE. VOL 10 NO 4 (2022)
Publisher : Universitas Sam Ratulangi

Mobile banking is the result of the banking industry revolution that brings convenience, credibility, ease of use, timeliness and banking experience at the fingertips of its users. The advantages of mobile banking services increase customer satisfaction while the access of mobile banking as a customer transaction service delivery channel creates value for the bank. This research aims to analyze the customer satisfaction in using mobile banking through factors such as perceived credibility, perceived ease of use, and perceived usefulness, which focuses on mobile banking service of PT. BANK SULUTGO. This study describes causal research using quantitative approach. Questionnaires were distributed to 105 respondents who met the purposive sampling criteria in this research. The data are processed using Partial Least Square - Structural Equation Modeling (PLS-SEM). The results indicate that there is significant positive effect of perceived credibility, perceived ease of use, perceived usefulness toward customer satisfaction in using mobile banking. To compete digitally and survive, BSG needs to keep up with consumer expectations which will result to the customer satisfaction by providing guaranteed security and simplifying its digital platform by making it easier to use, so that its mobile banking will be evolving alongside consumer needs and user preferences.

The Influence of Shopping Lifestyle and Fashion Involvement on Impulse Buying Behavior of Uniqlo Product at Shopee Natacsya L. B. Mawara; Frederik G. Worang; Ferdinand J. Tumewu
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 10 No. 4 (2022): JE. VOL 10 NO 4 (2022)
Publisher : Universitas Sam Ratulangi

There are many factors that trigger impulse buying, some of which are shopping environment factors, in-store promotion factors, and service quality factors. The purpose of this study is to see the influence of shopping lifestyle and fashion involvement on impulse buying behavior of Uniqlo products at shopee, this study is a quantitative study and uses a multiple linear regression method. The findings of this study shows that the independent variables which are shopping lifestyle and fashion involvement influence the impulse buying behavior, in this case of Uniqlo product at Shopee. Based on the result, the researcher provided several recommendations which are for the application to do prority setting in term of shopping preferences, by doing so it will create a better prospect especially in term of reducing the sense of hedonistic traits. Also adding direct sense of involvement into other activities, meaning that it will reduce the involvement regarding the fashion sense.

THE INFLUENCE OF JOB INSECURITY AND JOB STRESS TOWARDS EMPLOYEE PERFORMANCE AT PT. BANK SULUTGO SUB BRANCH SAM RATULANGI Peter Anderson Runtu; Frederik G. Worang; Shinta J. C. Wangke
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 11 No. 1 (2023): JE. Vol 11 No 1 (2023)
Publisher : Universitas Sam Ratulangi

The purpose of this study is to determine whether job insecurity and job stress affect the performance of employees at PT. Bank SulutGo Sub Branch Sam Ratulangi.The population in this study were all active employees at PT. Bank SulutGo Sub Branch Sam Ratulangi, with a total of 31 employees. The sampling method used in this study is saturated sampling, with a sample of the entire population. The data analysis method used was multiple linear regression analysis using SPSS as a data processing tool.The results of data analysis show that job insecurity has a negative and significant effect on employee performance, and job stress has a positive and significant effect on employee performance. For leaders at this company is expected to be able to issue good policies for the employees and also with the Covid-19 and digitalization era, leaders need to make plans for existing employees so they feel safe and comfortable with their existing jobs. And also the leader must be able to make employees able to maximize the performance of their employees without having to feel stressed. Keywords: job insecurity, job stress, employee performance

The THE INFLUENCE OF KOREAN POPULAR CULTURE TOWARDS THE INTENTION TO VISIT SOUTH KOREA (Survey on Student’s in Sam Ratulangi University Manado) Falencia Wullur; Frederik G. Worang; Ferdinand J. Tumewu
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 11 No. 1 (2023): JE. Vol 11 No 1 (2023)
Publisher : Universitas Sam Ratulangi

The popularity of Korean culture around the world has made people affected by this culture. This Korean culture well known as Korean Wave or Hallyu phenomena cover various aspects such as drama, music, fashion, make-up and etc. Korean Wave or Hallyu is a term to describe South Korean pop culture that has been successfully exported across the globe, including Indonesia specifically in Manado City. The objectives of this study are to determine the students in Sam Ratulangi University Manado perceive South Korean images as a Potential tourist destination that is seen in Korean Pop, Korean dramas, and Korean Food could lead to the intention to visit South Korea in the future. The research respondents were 108 respondents. Questionnaire distribution is carried out online using Google Form. The method that researchers use in this study is a quantitative method. The data analysis method used was multiple linear regression analysis using SPSS as a data processing tool. The results from research data on the influence of the Korean Wave on the South Korean tourism sector, researchers found that Korean wave (K–Pop, K–Drama, K–Food) influence the students intention to make South Korea as a Potential Tourist Destination. In other words Korean Wave can affect the South Korea tourism sector. Keywords: korean pop, korean drama, korean food, south korea, intention to visit

THE ANALYSIS OF SAVINGS BEHAVIOR ON BANKS LISTED IN IDX BEFORE COVID-19 ERA AND DURING COVID-19 ERA Yosepha Hartana; Frederik G. Worang; Hizkia H. D. Tasik
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 11 No. 1 (2023): JE. Vol 11 No 1 (2023)
Publisher : Universitas Sam Ratulangi

This study aims to identify the changes in people’s saving behavior before Covid-19 outbreak and during Covid-19 outbreak. This is why management is crucial to follow the importance of money because, without management skills, money waste will occur and lead to poverty. One of many ways in money management is savings behavior. Saving has many benefits, one of which is preparing an emergency fund for unusual situations, such as current situation of Indonesia and the world that are experiencing the Covid-19 pandemic. This study uses a quantitative approach. Secondary data collected from the bank's Annual Reports during 2018-2021 is analyzed using the Normality Test and Wilcoxon Test, with the sample of 21 banks listed in the Indonesia Stock Exchange (IDX). Keywords: savings, savings behavior, deposit, current account, Net Interest Margin, credit given, non-interest income

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