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All Journal Jurnal Ilmiah Dinamika Sosial International Journal of Management and Business Economics Amkop Management Accounting Review (AMAR) Danadyaksa: Post Modern Economy Journal
I Nengah Suarmanayasa
Universitas Pendidikan Ganesha, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Microfinance and Village Economic Development: An Empirical Review I Nengah Suarmanayasa; Sutarjo; Monica Feronica Bormasa; Nurlaila Hanum; Yeny Rokhilawati
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October (Inpres)
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.1974

Abstract

This study undertakes a qualitative systematic review of empirical research examining the nexus between microfinance and village economic development. Guided by the PRISMA framework and employing thematic synthesis, a total of 42 peer-reviewed studies published between 2000 and 2025 were analyzed. The synthesis reveals four overarching themes: (1) microfinance enhances access to capital and stimulates livelihood diversification; (2) it fosters women’s empowerment and strengthens village social capital; (3) institutional sustainability and governance challenges significantly moderate its effectiveness; and (4) under enabling conditions, microfinance generates multiplier effects that can catalyze structural transformation of rural economies. The findings demonstrate that while microfinance consistently contributes to household income, asset accumulation, and microenterprise growth, its translation into village-wide economic development is neither automatic nor uniform. Positive transformation is contingent upon complementary interventions, including financial literacy training, market linkages, robust local governance, and synergy with village development programs. The review underscores that microfinance should be positioned as a catalyst within an integrated rural development framework rather than a standalone panacea. This evidence base offers actionable insights for policymakers and practitioners aiming to leverage inclusive finance for sustainable village development
Analysis of UMKM Traders’ Perceptions and Adoption of QRIS-Based Digital Marketing in Banyuasri Traditional Market, Singaraja Dewa Gede Darmayasa; I Nengah Suarmanayasa; Ni Luh Wayan Sayang Telagawathi
Amkop Management Accounting Review (AMAR) Vol. 6 No. 1 (2026): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.3755

Abstract

The rapid development of digital technology in the era of Society 5.0 has significantly transformed various sectors, including the economic sector. One of the innovations supporting digital transactions in Indonesia is the Quick Response Code Indonesian Standard (QRIS), which integrates multiple digital payment systems into a single standardized platform. This study aims to analyze the perceptions of Micro, Small, and Medium Enterprises (MSMEs) traders regarding the implementation of QRIS in Banyuasri Singaraja Traditional Market.   This research employs a qualitative approach with a phenomenological perspective. Data were collected through observations and in-depth interviews with MSME traders who utilize QRIS in their transaction activities. The data were analyzed using the interactive model of data analysis, including data reduction, data presentation, and conclusion drawing.   The results indicate that MSME traders perceive QRIS as beneficial in improving transaction efficiency and effectiveness, enhancing business professionalism and image, and expanding digital marketing opportunities. In terms of ease of use, QRIS is considered practical, flexible, and universal, enabling transactions anytime and anywhere. However, several obstacles were identified, including dependence on internet connectivity, limited signal availability, and challenges in withdrawing digital balances into cash. In conclusion, QRIS plays a significant role in supporting the digital transformation of MSMEs in traditional markets. Despite its advantages, continuous support in the form of digital literacy training and infrastructure improvement is necessary to optimize its implementation and enhance MSME competitiveness in the digital economy era.
The Influence of Product Knowledge, Workload, and Work-Life Balance on the Service Performance of Frontliners at PT Bank Tabungan Negara (Persero) Tbk Bali Region Belinda Sylvia Jaya; Trianasari; I Nengah Suarmanayasa
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v4i1.474

Abstract

This study aims to analyze the influence of several variables, namely: (1) product knowledge, (2) workload, and (3) work-life balance on the service performance of frontliners at PT Bank Tabungan Negara (Persero) Tbk Bali Region. The population in this study consisted of all frontliners of PT Bank Tabungan Negara (Persero) Tbk Bali Region totaling 68 employees. The sampling technique used in this study was saturated sampling or total sampling, which is a sampling method in which all members of the population are used as research samples. Data in this study were collected through questionnaires and documentation. The data analysis technique used was multiple linear regression analysis with the assistance of SPSS 29 software. The analysis included validity testing, reliability testing, classical assumption testing, partial testing (t-test), simultaneous testing (F-test), and coefficient of determination (R²). The results of the study showed a constant coefficient of 10.470, a Product Knowledge regression coefficient of 0.369, a Workload regression coefficient of -0.181, and a Work-Life Balance regression coefficient of 0.340. The results also showed that product knowledge had a positive and significant effect on frontliner service performance, workload had a negative and significant effect on frontliner service performance, and work-life balance had a positive and significant effect on frontliner service performance. Simultaneously, product knowledge, workload, and work-life balance had a significant effect on the service performance of frontliners at PT Bank Tabungan Negara (Persero) Tbk Bali Region.
Digital Village: Can it Promote Sustainable Rural Development in Indonesia? Ni Kadek Sinarwati; I Nengah Suarmanayasa; Salut Muhidin; Luh Gede Elvina Adi Saputri; Pardomuan Robinson Sihombing; Eka Utama Putra Ngurah
Jurnal Ilmiah Dinamika Sosial Vol 10 No 1 (2026)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/jids.v10i1.7654

Abstract

Sustainable development has been widely discussed since the establishment of the Sustainable Development Goals (SDGs). However, empirical evidence on rural sustainable development remains limited and inconclusive. This study addresses this gap by examining the role of digital villages in promoting sustainable rural development across Indonesia. The novelty of this research lies in its large-scale analysis covering villages nationwide rather than focusing on a single case study. This study employs a quantitative associative approach using secondary data collected through documentation methods. Data were obtained from the Ministry of Villages, Development of Disadvantaged Regions, and Transmigration, as well as the Central Statistics Agency. Digital village indicators include the proportion of villages with 4G internet access and cable telephone subscriptions, while sustainable rural development is measured using the Village Development Index (VDI), which integrates economic, social, and environmental dimensions. The results reveal that digital villages have a significant and positive effect on sustainable rural development. Economically, digitalization enhances the marketing of agricultural products and improves productivity. Socially, it contributes to more accurate and efficient data collection, particularly in identifying poverty levels. Environmentally, digital villages support ecological efficiency in agricultural practices. These findings highlight the strategic role of digital infrastructure in accelerating rural development and achieving sustainability goals in Indonesia.
Co-Authors Belinda Sylvia Jaya Dewa Gede Darmayasa Eka Utama Putra Ngurah Luh Gede Elvina Adi Saputri Monica Feronica Bormasa Ni Kadek Sinarwati Ni Luh Wayan Sayang Telagawathi Nurlaila Hanum Pardomuan Robinson Sihombing Salut Muhidin Sutarjo Trianasari Yeny Rokhilawati