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STRATEGI KREDIT MACET “PANG PADE PAYU” PADA LEMBAGA PERKREDITAN DESA DI KABUPATEN BULELENG Ni Made Sri Ayuni; Ni Wayan Novi Budiasni
Seminar Ilmiah Nasional Teknologi, Sains, dan Sosial Humaniora (SINTESA) Vol 2 (2019): PROSIDING SINTESA
Publisher : LPPM Universitas Dhyana Pura

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Abstract

ABSTRACTThis research is motivated by the phenomenon in the district of Buleleng related to the number of LPDs with unhealthy conditions until jammed have increased. In addition, the number of LPDs that have jammed in Buleleng Regency has the highest number in Bali. The purpose of this study is to know the implications of the internal control system and credit policy on credit settlement strategies, the disruption of bad credit is solved by the principle of "Pang Pade Payu". The numbers of samples in this study were 60 LPDs which were selected based on the stratified random sampling method. The data analysis technique used in this study is a structural equation model (structural equation modeling-sem) based on variance or component based sem with a smartpls 3.0 analysis tool. Based on the results of testing the internal control system has a significant positive effect on the strategy of resolving bad credit Bad Credit Strategy "Pang Pade Payu" at the LPD in Buleleng Regency. Both credit policies have a significant positive effect on the strategy of resolving bad credit Bad Credit Strategy "Pang Pade Payu" in the Village Credit Institution in Buleleng Regency.Keywords: Internal Control System, Credit Policy and Bad Credit Strategy, Settlement StrategyABSTRAKPenelitian ini dilatarbelakangi oleh fenomena di kabupaten buleleng terkait jumlah LPD dengan kondisi yang kurang sehat hingga macet mengalami peningkatan. Selain itu, jumlah LPD yang macet di kabupaten Buleleng menjadi jumlah terbanyak di Bali. Tujuan penelitian ini ialah mengetahui implikasi sistem pengendalian internal dan kebijakan kredit terhadap strategi penyelesaian kredit, penyeselaian kredit macet diselesaikan dengan prinsip “Pang Pada Payu”. Jumlah sampel pada penelitian ini adalah 60 LPD yang dipilih berdasarkan metode stratified random sampling. Teknik analisis data yang digunakan dalam penelitian ini adalah model persamaan struktural (structural equation modeling-sem) berbasis variance atau component based sem dengan alat analisis smartpls 3.0. Berdasarkan hasil pengujian sistem pengendalian internal berpengaruh positif signifikan terhadap strategi penyelesaian kredit macet Strategi Kredit Macet “Pang Pade Payu” Pada LPD Di Kabupaten Buleleng. Kedua kebijakan kredit berpengaruh positif signifikan terhadap strategi penyelesaian kredit macet Strategi Kredit Macet “Pang Pade Payu” Pada Lembaga Perkreditan Desa Di Kabupaten Buleleng.Kata kunci: Sistem Pengendalian Internal, Kebijakan Kredit dan Strategi Penyelesaian Kredit Macet, Strategi Kredit Macet.
Pelatihan dan Pendampingan Literasi Keuangan bagi Guru di Gugus V Mandara Giri Kec. Kubutambahan Gede Widiadnyana Pasek; Kadek Prita Ary Astini; Ni Made Sri Ayuni; Mertyani Sari Dewi
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 3, No 2 (2023): Abdira, April
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v3i2.328

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There Group V Mandara Giri Kec. Kubutambahan is one of a collection of several elementary schools in the Kubutambahan District. Training in financial literacy is very important for every individual, one of which is the teachers in Cluster V Mandara Giri Kec. kubutambahan. Financial literacy really helps individuals to improve investment decisions, both in terms of the type of investment, where to invest, and the investment nominal that the individual will choose. This service is carried out through the Research and Community Service Center of the Satya Dharma College of Economics in collaboration with the Head of Cluster V Mandara Giri Kec. kubutambahan. In this community service activity, teachers in cluster V Mandara Giri Kec. kubutambahan, they were given financial literacy material, namely regarding investment. The results obtained from this activity can help teachers, in particular, to increase their understanding of financial literacy and investment decisions they have.
E-Commerce Platform Development as A Means of Increasing Potential MSME Business Richadinata, Kadek Riyan Putra; Ayuni, Ni Made Sri; Purnamawati, Ni Luh Gede Putu; Widnyani, Ni Made
Journal of Economics and Public Health Vol 2 No 3 (2023): Journal of Economics and Public Health: September 2023
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v2i3.2478

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In today's digital era, the presence of technology and innovation is becoming increasingly important for MSMEs to maintain and increase their competitiveness. In the digital era like today, e-commerce is an alternative to overcome these obstacles. However, there are still many MSMEs that have not utilized e-commerce to market their products due to limited access, limited knowledge, and high costs to create their own e-commerce platform. The aim of this research is to find out e-commerce platform development as a means of increasing potential msme business. The research method used in this study is a qualitative research method with a case study approach. This research will be carried out in the following stages: literature study, data collection, data analysis, platform development, and evaluation. This platform was built using responsive website technology so that it can be opened through various platforms connected to the internet. The e-commerce platform contains features such as product catalogs, product orders, payment mechanisms, and shipping processes. Overall the information system is very good, as many as 31 people answered with very good responses.
Optimalisasi Penjualan dan Stok Opname Melalui Penerapan Sistem Informasi Akuntansi Pada UMKM NI LUH DE ERIK TRISNAWATI; NI KADEK AYU TRISNADEWI; NI MADE SRI AYUNI; KETUT SUMERDANA
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 2 No. 1 (2024): Januari: Jurnal Akademik Pengabdian Masyarakat
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v2i1.832

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The problem that is often experienced by UMKM that operate in the trading business is sales instability which is influenced by stock taking that is not well organized. This constraint encourages the need for an accounting information system in business management. The aim of this service is to implement an accounting information system as an effort to increase sales and manage stock of goods. The activity begins with initial observations to carry out situation analysis, followed by carrying out community service through designing the implementation of an accounting information system. Business actors are also given training to use point of sale applications in carrying out sales transactions which were previously carried out manually. With this training activity, business actors feel very helped, making it easier to achieve increased company performance and become the company's strength in facing competition.
SUSTAINABILITY PERFORMANCE LEMBAGA PERKEDITAN DESA (LPD) DI KABUPATEN BULELENG Budiasni, Ni Wayan Budi; Ayuni, Ni Made Sri; Sanjaya, Ni Made Wulan Sari
Seminar Nasional Ilmu Terapan Vol 2 No 1 (2018): Seminar Nasional Ilmu Terapan (SNITER) 2018
Publisher : Universitas Widya Kartika Surabaya

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Penilaian dan pengukuran kinerja merupakan komponen penting Lembaga Perkreditan Desa (LPD). Selain digunakan untuk menilai keberhasilan LPD, pengukuran kinerja juga dapat digunakan sebagai dasar untuk menentukan sistem imbalan dalam LPD. Pihak manajemen juga dapat menggunakan pengukuran kinerja LPD sebagai alat untuk mengevaluasi kinerja usahanya. Terdapat kelemahan pada pengukuran kinerja, yaitu pengukuran kinerja yang hanya mengukur kinerja finansial saja, tetapi belum mampu menggambarkan kondisi LPD secara lengkap hingga pada kinerja non finansial. Penelitian ini bersifat eksplanasi dengan bentuk kausalitas antar variabel Pengembangan model dalam penelitian ini berusaha memprediksi hubungan kausalitas antar variabel. Jumlah LPD yang akan dijadikan sampel yaitu sebanyak 59 LPD. Teknik analisis data yang digunakan dalam penelitian ini adalah SEM berbasis PLS. Berdasarkan hasil pengujian hipotesis menunjukan bahwa kinerja perspektif non finansial berpengaruh positif signifikan terhadap kinerja perspektif finansial LPD di Kabupaten Buleleng. Kedua kinerja perspektif non finansial berpengaruh positif signifikan terhadap kinerja perspektif sosial berbasis tri hita karana LPD di Kabupaten Buleleng. Ketiga kinerja perspektif finansial dan kinerja perspektif non finansial berpengaruh positif signifikan terhadap kinerja perspektif sosial berbasis tri hita karana LPD di Kabupaten Buleleng. Kesimpulan dalam penelitian ini yaitu penilaian kinerja dilakukan untuk mengetahui keberlanjutan usaha suatu LPD, sehingga dapat menilai kinerja LPD kedepannya. Guna menjamin keberlanjutan jangka panjang LPD, perlu adanya pertanggungjawaban terhadap lingkungan agar dapat memperoleh dukungan dari desa pakraman. Kinerja dan kelangsungan LPD dapat dilihat dari segi kinerja perspektif finansial, perspektif non finansial dan perspektif sosial berbasis tri hita karana.
Self-Control Serves As A Mediating Variable In The Relationship Between Financial Management Behavior And Financial Literacy, Attitudes, And Experience Among STIE Satya Dharma Students. Sri Ayuni, Ni Made; Komang Rusma Rosita Dewi
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 2 (2024): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v12i2.822

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The study's findings demonstrate that among STIE Satya Dharma Singaraja students, financial literacy significantly and favorably influences their money management practices. The way that STIE Satya Dharma Singaraja students manage their finances is positively and significantly impacted by their financial experiences. Self-control is positively and significantly impacted by financial literacy in STIE Satya Dharma Singaraja students. Students' self-control at STIE Satya Dharma Singaraja Students is positively and significantly impacted by their financial views. For STIE Satya Dharma Singaraja students, financial experience has a beneficial and considerable influence on self-control. The money management behavior of STIE Satya Dharma Singaraja students is positively and significantly influenced by their financial views. For STIE Satya Dharma Singaraja students, self-control has a favorable and noteworthy effect on their money management practices. Through self-control, financial literacy has a beneficial and considerable influence on STIE Satya Dharma Singaraja students' money management behavior. Through self-control, financial experience has a beneficial and considerable influence on STIE Satya Dharma Singaraja students' money management behavior.
The Influence of Financial Literacy and Financial Attitude on Financial Management Behavior with Locus of Control as an Intervening Variable in Dupa Harum Jaya Perdana Small and Medium Industry Employees Sri Ayuni, Ni Made; Prayoga, I Putu Duta; Dewi, Mertyani Sari; Sri Kasih, Ni Luh
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 3 (2024): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v12i3.844

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This study aims to examine the effect of Financial Literacy and Financial Attitude on Financial Management Behavior, with Locus of Control as an intervening variable among employees of the Small and Medium Industry Dupa Harum Jaya Perdana. The research employs a quantitative approach, using a questionnaire distributed directly to respondents, specifically the 32 employees of IKM Dupa Harum Jaya Perdana, and utilizing a Likert scale for measurement. The data analysis technique used is Structural Equation Modeling based on Partial Least Squares with the SmartPLS application. The results of this study indicate that Financial Literacy has a positive and significant effect on Financial Management Behavior, Financial Attitude has a positive and significant effect on Financial Management Behavior, and Locus of Control has a positive and significant effect on Financial Management Behavior. Additionally, Financial Literacy has a positive and significant effect on Locus of Control, and Financial Attitude has a positive and significant effect on Locus of Control. However, Financial Literacy through Locus of Control has a positive but not significant effect on Financial Management Behavior, and Financial Attitude through Locus of Control also has a positive but not significant effect on Financial Management Behavior.
PENGARUH SOFT SKILL, PERILAKU INOVATIF DAN PENGGUNAAN TEKNOLOGI TERHADAP KINERJA PEGAWAI PADA ARJ88 STORE X ELORA GIRLWEAR Ayuni, Ni Made Sri; Diah Amanda Sanjiwani, I Gst Agung Ayu
Jurnal Daya Saing Vol. 10 No. 3 (2024): Inovasi SDM, Kinerja Organisasi, dan Transformasi Bisnis di Era Digital dan Pe
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v10i3.1893

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This research aims to determine the influence of soft skills, innovative behavior and use of technology on employee performance at Arj88 Store X Elora Girlwear. The data analysis techniques used in this research are multiple linear regression analysis, classical assumption testing, model feasibility testing (Goodness of Fit), and hypothesis testing, research results using the SPSS Version 21.0 for Windows application. The results of this study indicate that soft skills have a positive and significant effect on employee performance at Arj88 Store X Elora Girlwear, with a positive influence between soft skills on employee performance at work at Arj88 Store X Elora Girlwear. Innovative behavior has a positive and significant effect on employee performance at Arj88 Store X Elora Girlwear, with a positive influence between innovative behavior and employee performance at work at Arj88 Store X Elora Girlwear. The use of technology has a positive and significant effect on employee performance at Arj88 Store X Elora Girlwear, with a positive influence between the use of technology on employee performance at work at Arj88 Store X Elora Girlwear. Based on the results of the f-test, it is known that the value of f-count> f-table, namely 28.004> 3.16, this indicates that soft skills, innovative behavior and the use of technology jointly affect employee performance.
The Nandu or Nyakap System: Subak Local Wisdom in The Realm if Profit Sharing to Improve The Welfare of Farmers Ayuni, Ni Made Sri; Widnyani, Ni Made; Budiasni, Ni Wayan Novi
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 3 No. 2 (2022): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v4i1.478

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This research uses a qualitative approach. Data collection techniques used in this study were in the form of interviews supported by documentation and observation, which were selected as respondents or informants were 6 key informants consisting of 3 smallholders, 3 landowners, and 3 supporting informants namely the management of Subak Yeh Taluh which consists of the Chairperson, Secretary and Treasurer. The data validity checking technique used is to use triangulation, namely triangulation techniques and source triangulation, while data analysis techniques consist of data collection, data reduction, data presentation and drawing conclusions. Based on the results of the process that has been processed shows that nandu activities are capable of subak Yeh Taluh Penarukan carried out in three models, namely mixed, for five, and for two where all three are considered capable of helping the welfare of farmers with the management of land with a certain area as the main support for increasing income and farmers' welfare. The purpose of this study was to find out how profit sharing models were applied to the Nandu system on the Subak Yeh Taluh Penarukan Buleleng and its effectitive qualitative approach
Acquisition Of Source And Use Of Capital Work By Analyzing Financial Report Ayuni, Ni Made Sri; Putra, I Gusti Ngurah Kadek Hardiana
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 4 No. 2 (2023): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v4i2.681

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This study aims to determine the sources and uses of working capital by analyzing the financial reports of the Padang Bulia Traditional Village LPD. The data used in this study are balance sheet data and financial reports obtained directly from the Padang Bulia Traditional Village LPD. This research method is a horizontal method used to compare company financial reports from different years, namely the 2018- 2022 period. Analysis of sources and uses of working capital is a very important financial analysis for companies/business entities. The results of this analysis show that the analysis of the sources and use of working capital LPD Padang Bulia Traditional Village for the 2018-2022 period has been effective and efficient with increases and decreases in working capital must be the same in reports on changes in working capital, reports on sources and use of working capital, liquidity ratios and working capital turnover ratio.