Joy Elly Tulung

@unsrat.ac.id

Management/Faculty of Economics and Business
Sam Ratulangi University

Joy Elly Tulung


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https://researchid.co/joytia1999

EDUCATION

SE in Management Sam Ratulangi University, Manado Indonesia
MSc in International Business & Management University of Groningen, The Netherlands
PhD in Strategic SKEMA Business School, Lille France

RESEARCH INTERESTS

Top Management Team
Corporate Governance
Risk Management
Banking
7

Scopus Publications

3919

Scholar Citations

34

Scholar h-index

75

Scholar i10-index

Scopus Publications

  • Understanding student's intention to pursue a career: Implications for the accounting profession
    Jullie Jeanette Sondakh, Joy Elly Tulung
    Journal of Education and E Learning Research, 2024
    This study aims to predict accounting students' inclination toward a career in accounting in Indonesia by integrating the Social Cognitive Career Theory (SCCT) and the Theory of Reasoned Action (TRA). The research relies on primary data obtained through an online, closed-ended questionnaire. We employ Structural Equation Modeling (SEM) for the analysis, utilizing statistical tools like SPSS 24.0 and AMOS 24.0 software. Findings from the survey conducted among final-year accounting students in three Indonesian tertiary institutions reveal that self-efficacy impacts the behavioral intention to pursue an accounting career, mediated by outcome expectations, subjective norms, and attitudes. The study identifies both direct and indirect influences of self-efficacy on the behavioral intention. The study innovatively combines the TRA and SCCT models, utilizing a questionnaire to assess the effects of the Association of Southeast Asian Nations (ASEAN) Economic Community on graduates opting for accounting careers within the TRA and SCCT frameworks. Based on the results, integrated career choices must be considered when choosing a career in accounting or other professions. Intervention in an accounting course will help increase the final-year accounting student’s understanding of the accounting profession, including relevant work experience and professional accounting membership.
  • EFFECTS OF CAPITAL RATIO, QUALITY OF RECEIVABLES, LIQUIDITY, AND GEARING RATIO ON PROFITABILITY: A STUDY FINANCIAL INSTITUTIONS’ GOVERNANCE
    Joy Elly Tulung, Jullie Jeanette Sondakh, Shinta Jeanette Camelia Wangke, Raynaldo Fabian Karel Posumah
    Journal of Governance and Regulation, 2024
    This study aims to examine the effects of capital ratio, quality of receivable, liquidity, and gearing ratio on profitability in financial companies for the 2017–2020 period. This research data was obtained from the websites of companies registered with the Financial Services Authority (Otoritas Jasa Keuangan, OJK) using the purposive sampling method, which uses certain criteria, the number of samples used is 15 financing companies. The analytical method used in this study is multiple regression analysis using STATA 16. The results of this study show that the ratio of capital, the quality of receivables, liquidity, and gearing ratio (GR) simultaneously have a positive and significant effect on profitability. Based on the results of the t-test that has been carried out in this study, it can be concluded that the capital ratio has a negative and significant effect on profitability, the quality of receivables and gearing ratio has a negative and insignificant effect on profitability, and liquidity has a positive and insignificant effect on profitability. This research is consisting three conclusions, firstly, the capital ratio partially has a negative and significant effect on profitability. Secondly, the quality of receivables partially has a negative and insignificant effect on profitability. Thirdly, liquidity partially has a positive and insignificant effect on profitability. Fourthly, the gearing ratio has a negative and insignificant effect on profitability.
  • THE INFLUENCE OF PERCEIVED VALUE, AND TRUST ON WOM AND ITS IMPACT ON REPURCHASE INTENTION
    Innocentius Bernarto, Agus Purwanto, Joy Elly Tulung, Rudy Pramono
    Revista De Gestao Social E Ambiental, 2024
    Objective: to analyze the relationship between Perceived Value to WoM, trust to WoM and Repurchase Intention of Coffee Shop. Theoretical Framework: This study uses a consumer behavior framework, especially the theory of reason action and word of mouth. Method: This research uses a quantitative approach with a survey design using a sample of 165 with convenience sampling technique. The data analysis technique used is Structural equation modeling (SEM); with the Smart PLS device to test the outer model and inner model. Result: Based on the results of data analysis, it shows that perceived value, trust and word of mouth have a direct effect on repurchase intention. Apart from that, Perceive value and trust have an indirect effect on repurchase intention with word of mouth as a mediation. Implications: The results of this study show that to increase repeat purchases by consumers, it is necessary to increase consumer trust and perceived value to increase word of mouth Originality/Value: The results of the study contribute to coffee shop efforts to increase repurchase intentions in the future by increasing consumer value and trust
  • EDITORIAL: Digitalization as a business competitive advantage
    Joy Elly Tulung
    Corporate and Business Strategy Review, 2022
    Digitization is concerned to ensure the use of technology with the goal of creating sustainable competitive advantages. Digitization is distinguished with respect to other innovations because of its scope, importance and the rate of change of the processes, products, and services (Rachinger, Rauter, Müller, Vorraber, & Schirgi, 2019). In contrast to more incremental innovations digitization is usually disruptive or transformative. Worldwide, companies are faced with the implications of the ongoing digitization of markets and production processes. All this illustrates the strategic relevance of ‘digital’
  • The effect of third-party funds, credit risk, market risk, and operational risk on profitability in banking
    Jullie Jeanette Sondakh, Joy Elly Tulung, Herman Karamoy
    Journal of Governance and Regulation, 2021
    The study aimed to investigate the effect of third-party funds, credit risk, market risk, and operational risk on profitability in banking, especially on the banks included in BUKU 2 category simultaneously or partially. The sampling technique used in the study was saturated sampling. Therefore, a number of 54 banks was obtained as samples. The data in the study were quantitative data, namely in form of financial statements of banking companies included in BUKU 2 category for the period 2014–2017. The data were obtained from the websites of the concerned banks. The research method used was multiple linear regression analysis. In the study, to measure the third-party funds variable we used third-party fund (TPF) ratio, to measure the credit risk variable we used non-performing loan (NPL) and non-performing financing (NPF) ratio, to measure the market risk variable we used net interest margin (NIM) ratio, to measure the operational risk variable we used BOPO ratio, and to measure the profitability variable we used return on assets (ROA) ratio. The result of the study showed that partially third-party funds and credit risk had no significant effect on profitability, partially market risk had a significant positive effect on profitability, and partially credit risk had a significant negative effect on profitability. While simultaneously, third-party funds, credit risk, market risk, and operational risk had a significant effect on profitability.
  • The impact of banking risk on regional development banks in Indonesia
    Herman Karamoy, Joy Elly Tulung
    Banks and Bank Systems, 2020
    Financial performance of a bank represents its financial condition for a certain period of time, either in relation to fund raising or fund allocation, which is usually observed for several indicators, such as capital adequacy, liquidity, and bank profitability. In banking industries, profitability is the most accurate indicator to measure bank performance. Instruments used to measure profitability are Return on Equity (ROE) and Return on Assets (ROA). In this study, the impact of banking risk is analyzed using the ratio of Non-Performing Loans (NPL), Net Interest Margin (NIM), the Loan-to-Deposit ratio (LDR), and the ratio of Operational Cost to Operational Income (OCOI/BOPO) on financial performance of regional development banks in Indonesia. The data used in this study were obtained from the annual reports disseminated on the website of each bank. The number of samples includes 26 Indonesian regional development banks for 2013–2015. The study includes 4 hypotheses for testing. The results show that simultaneously, NPL, NIM, LDR, and OBOI/BOPO are significant to ROA; while NPLs are significant and negatively affect ROA, NIM is significant and positively affects ROA, LDR is not significant and negatively affects ROA, and OCOI/BOPO is significant and negatively affects ROA. This means the banks should minimize the ratio of NPLs, LDR, and BOPO, as they have a negative influence on ROA. Conversely, banks should maximize the ratio of NIM since the latter has a positive effect on ROA.
  • The influence of corporate governance on the intellectual capital disclosure: A study on Indonesian private banks
    Joy Elly Tulung, Ivonne Stanley Saerang, Stevanus Pandia
    Banks and Bank Systems, 2018
    The release of bank’s intellectual capital is one of the important elements of bank’s annual reports. Although it is not presented adequately in the annual reports, voluntary disclosure of bank’s intellectual capital relatively represents the response to the needs of greater information for the users. This research aims to see the influence of corporate governance on the intellectual capital disclosure based on a case study on private banks in Indonesia. The variables to be examined in the research include the Composition of Independent Commissioners as well as The Competence of Audit Committee and Risk Oversight Committee. The samples were taken using purposive sampling, considering particular criteria. As many as 62 banks are selected to be taken as research samples. The data were analyzed using multiple linear regression analysis method. The result of a partial test shows that the Composition of Independent Commissioners has a positive and significant influence on the intellectual capital disclosure; the Competence of Audit Committee has a positive and significant influence on the intellectual capital disclosure; and the Competence of Risk Oversight committee does not influence the intellectual capital disclosure. Meanwhile, the result of a simultaneous test shows that the Composition of Independent Commissioners, the Competence of Audit Committee, and the Competence of Risk Oversight Committee significantly influence the intellectual capital disclosure.

RECENT SCHOLAR PUBLICATIONS

  • Can Risk Management Bridge Governance-Accountability in Higher Education's Resource-Remoteness Paradox?
    JD Syamsia, VPK Lengkong, JE Tulung, FG Worang, ID Palandeng, ...
    2026
  • ANALISIS KINERJA KEUANGAN PERUSAHAAN (STUDI KASUS PERUSAHAAN MANUFAKTUR SUB SEKTOR MAKANAN DAN MINUMAN YANG TERDAFTAR DI BEI PERIODE 2019-2023)
    JN Mamangkei, M Mangantar, JE Tulung
    Musytari: Jurnal Manajemen, Akuntansi, dan Ekonomi 24 (10), 91-100 , 2025
    2025
  • REAKSI PASAR SAHAM TERHADAP PELANTIKAN PRESIDEN DAN WAKIL PRESIDEN INDONESIA TAHUN 2024 (STUDI KASUS SEKTOR INFRASTRUKTUR)
    FL Sitorus, J Tulung, L Rumokoy
    Musytari: Jurnal Manajemen, Akuntansi, dan Ekonomi 19 (3), 371-380 , 2025
    2025
  • Pengaruh Ketidakpastian Dunia, Ketidakpastian Kebijakan Ekonomi, Rasio Kecukupan Modal, Kredit Bermasalah Terhadap Profitabilitas Bank Yang Terdaftar Di Bursa Efek Indonesia
    L Foe, J TULUNG, L RUMOKOY
    JMBI UNSRAT (JURNAL ILMIAH MANAJEMEN BISNIS DAN INOVASI UNIVERSITAS SAM … , 2025
    2025
    Citations: 5
  • The Influence of Social Media, Brand Image And Customer Loyalty on Skin Care Purchase Decisions (Case Study of Sma Kr. 2 Binsus Tomohon)
    V Tambunan, JE Tulung, GG Lumintang
    Journal of International Accounting and Financial Management 1 (2), 24-39 , 2024
    2024
  • The influence of perceived value to customer loyalty with customer satisfaction as an intervening variable on ESSE Brand Users in Manado
    SFBW Umboh, JE Tulung, SJC Wangke
    Riset Akuntansi Dan Manajemen Pragmatis 2 (1), 1-19 , 2024
    2024
    Citations: 20
  • Pengaruh Keberagaman Usia Dan Gender Pada Dewan Komisaris Dan Direksi Terhadap Kinerja Keuangan Perbankan Di Indonesia Periode 2018-2022
    RNN Winantisan, JE Tulung, LJ Rumokoy
    Jurnal Emba 12 (1), 1-12 , 2024
    2024
    Citations: 35
  • La influencia del valor percibido, la confianza en la mujer y su impacto en la intención de recompra
    I Bernarto, A Purwanto, JE Tulung, R Pramono
    Revista de Gestao Social e Ambiental 18 (4), 1-13 , 2024
    2024
    Citations: 3
  • Understanding Student's Intention to Pursue a Career: Implications for the Accounting Profession.
    JJ Sondakh, JE Tulung
    Journal of Education and e-Learning Research 11 (3), 632-645 , 2024
    2024
    Citations: 8
  • Effects of capital ratio, quality of receivables, liquidity, and gearing ratio on profitability: A Study Financial Institutions’ governance
    JE Tulung, JJ Sondakh, SJC Wangke, RFK Posumah
    Journal of Governance and Regulation 13 (3), 46-56 , 2024
    2024
    Citations: 4
  • The influence of perceived value, and trust on WOM and its impact on repurchase intention
    I Bernarto, A Purwanto, JE Tulung, R Pramono
    Revista de Gestão Social e Ambiental 18 (4), 1-13 , 2024
    2024
    Citations: 43
  • The Influence Of Host Credibility, Interactivity And Limited-Time Offer On Purchase Decision Of Fashion In Tiktok Live Streaming Shopping
    RP Bhisana, JE Tulung, RT Saerang
    Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 12 (01 … , 2024
    2024
    Citations: 8
  • the Effect of Investment Knowledge and Risk Perception on Investment Intention in the Capital Market (Study on Lecturers and Students At Faculty of Economics and Business Sam …
    MM Baguna, LJ Rumokoy
    Jurnal Ekonomi, Manajemen Bisnis dan Akuntansi (EMBA) 10 (01), 261-273 , 2024
    2024
    Citations: 3
  • Pemberdayaan Berbasis Masyarakat Dalam Pembuatan Bata Beton Berbahan Dasar Metakaolin dan Abu Terbang di Desa Liwutung Dua, Kab. Minahasa Tenggara
    S Supit, P Priyono, J Tulung
    Jurnal Abdi Insani 10 (4), 2224-2234 , 2023
    2023
    Citations: 2
  • Financial system sinergy: Financial inclusion, FinTech, and CBDC
    LP Sumual, IS Saerang, S Murni, JE Tulung
    International Journal of Economics, Business and Accounting Research (IJEBAR … , 2023
    2023
    Citations: 4
  • FINANCIAL DISTRESSPROPERTY AND REAL ESTATE SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE BEFORE AND DURING THE COVID 19 PANDEMIC
    RR Hunta, S Murni, JE Tulung
    Research Parks Publishing LLC , 2023
    2023
  • ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI PERTUMBUHAN LABA PADA PERBANKAN SWASTA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE
    MN Simbala¹, JE Tulung, ID Palandeng
    Jurnal EMBA 11 (2) , 2023
    2023
  • Analisis Pengaruh Pendapatan Premi, Investasi, Dan Hasil Underwriting Terhadap Laba Perusahaan Asuransi Umum Di Otoritas Jasa Keuangan Periode 2017-2021
    H Prasetyo, JE Tulung, ID Palandeng
    Jurnal EMBA 11 (2) , 2023
    2023
    Citations: 7
  • Pengaruh struktur modal, kinerja keuangan, dan kebijakan dividen terhadap harga saham perusahaan IDX30 yang terdaftar di BEI tahun 2017-2021
    CE Lumopa, JE Tulung, ID Palandeng
    Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi 11 (1 … , 2023
    2023
    Citations: 6
  • Pengaruh Dana Pihak Ketiga, Rasio Kecukupan Modal dan Tingkat Suku Bunga Terhadap Penyaluran Kredit pada Bank Umum Swasta Nasional yang tercatat di OJK Indonesia Periode 2018-2021
    CF Malimpo, S Murni, JE Tulung
    Jurnal LPPM Bidang EkoSosBudKum (Ekonomi, Sosial, Budaya, Dan Hukum) 7 (04 … , 2023
    2023
    Citations: 3

MOST CITED SCHOLAR PUBLICATIONS

  • Independence, Size and Performance of The Board: An Emerging Market Research
    JE Tulung, D Ramdani
    Corporate Ownership and Control 15 (2), 201-208 , 2018
    2018
    Citations: 298
  • Pengaruh return on assets, net profit margin, debt to equity ratio, dan total assets turnover terhadap harga saham industri otomotif dan komponen yang terdaftar di Bursa Efek …
    AW Hutapea, IS Saerang
    Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi 5 (2), 141125 , 2017
    2017
    Citations: 181
  • The Influence of Top Management Team Characteristics on BPD Performance
    JE Tulung, D Ramdani
    International Research Journal of Business Studies 8 (3), 155-166 , 2016
    2016
    Citations: 181
  • Pengaruh Keberadaan Wanita Dalam Manajemen Puncak Dan Kepemilikan Manajerial Terhadap Kinerja Keuangan Perbankan (Studi Pada Bank BUMN dan Bank Swasta Nasional Devisa di Indonesia)
    CA Aluy, JE Tulung, HHD Tasik
    JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI 5 (2) , 2017
    2017
    Citations: 138
  • The effect of financial performance and corporate governance to stock price in non-bank financial industry
    H Karamoy, JE Tulung
    Corporate Ownership & Control 17 (2) , 2020
    2020
    Citations: 125
  • Pengaruh kebijakan dividen, keputusan pendanaan dan keputusan investasi terhadap nilai perusahaan pada saham bluechip yang terdaftar di BEI
    A Nelwan, JE Tulung
    Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 6 (4 … , 2018
    2018
    Citations: 123
  • Pengaruh good corporate governance terhadap kinerja keuangan Bank Umum Konvensional tahun 2014-2018
    H Honi, IS Saerang, JE Tulung
    Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 8 (3) , 2020
    2020
    Citations: 121
  • The influence of Top Management Team (TMT) characteristics toward Indonesian Banks performance during the digital era (2014–2018)
    G Mojambo, JE Tulung, RT Saerang
    Available at SSRN 3541856 , 2020
    2020
    Citations: 107
  • Pengaruh kinerja keuangan terhadap nilai perusahaan real estate and property yang terdaftar di Bursa Efek Indonesia tahun 2012-2015
    PY Tauke, S Murni, JE Tulung
    Jurnal Emba 5 (2), 919-927 , 2017
    2017
    Citations: 105
  • Resource Availability And Firm’s International Strategy As Key Determinants Of Entry Mode Choice
    JE Tulung
    Jurnal Aplikasi Manajemen 15 (1), 160 -168 , 2017
    2017
    Citations: 101
  • The influence of corporate governance on the intellectual capital disclosure: a study on Indonesian private banks
    JE Tulung, IS Saerang, S Pandia
    Banks and Bank Systems 13 (4), 61-72 , 2018
    2018
    Citations: 72
  • Pengaruh current ratio, debt to equity dan return on equity terhadap return saham pada perusahaan telekomunikasi yang terdaftar di BEI (periode 2014-2019)
    H Christian, I Saerang, JE Tulung
    Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 9 (1 … , 2021
    2021
    Citations: 70
  • Pengaruh disiplin kerja, perencanaan karir dan kompetensi terhadap kinerja karyawan kantor pelayanan pajak (kpp) pratama manado
    KA Cesilia, B Tewal, JE Tulung
    Jurnal Emba 5 (2), 426-434 , 2017
    2017
    Citations: 68
  • Analisa Kesehatan Bank Dengan Menggunakan Metode RGEC Pada Bank BRI Dan Mandiri Periode 2012-2015
    FJ Christian, P Tommy, JE Tulung
    Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akungansi 5 (2), 530-540 , 2017
    2017
    Citations: 67
  • Pengaruh risiko perbankan terhadap kinerja keuangan tahun 2013-2015 (Bank Pembangunan Daerah se-Indonesia)
    D Kansil, S Murni, JE Tulung
    Jurnal Emba 5 (3), 3508-3517 , 2017
    2017
    Citations: 66
  • The impact of banking risk on regional development banks in Indonesia
    JE Tulung
    Development Economics: Macroeconomic Issues in Developing Economies eJournal , 2019
    2019
    Citations: 63
  • Pengaruh CAR, BOPO, NIM, dan NPL terhadap ROA industri bank umum swasta nasional buku 3 periode 2014-2018
    D Nugroho, M Mangantar, JE Tulung
    Jurnal Emba 7 (3), 4222-4229 , 2019
    2019
    Citations: 61
  • Pengaruh risiko kredit, risiko likuiditas dan risiko operasional terhadap profitabilitas perusahaan perbankan yang terdaftar di LQ45, buku III dan buku IV periode 2017-2019
    B LQ45 III
    Jurnal EMBA 9 (3) , 2021
    2021
    Citations: 60
  • Pengaruh profitabilitas, leverage dan ukuran perusahaan terhadap harga saham pada perusahaan manufaktur sektor industri barang konsumsi yang terdaftar di bei periode 2015-2017
    G Welan, P Van Rate, JE Tulung
    Jurnal Emba 7 (4), 5664-5673 , 2019
    2019
    Citations: 54
  • THE INFLUENCE OF EXECUTIVES’ CHARACTERISTICS ON BANK PERFORMANCE: THE CASE OF EMERGING MARKET
    DPE Saerang, JE Tulung, IWJ Ogi
    Journal of Governance and Regulation 7 (4), 13 - 18 , 2018
    2018
    Citations: 52