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Strategi Pengembangan CSR LPD dalam Upaya Penguatan Implementasi Tri Hita Karana dan Kesejahteraan Masyarakat (Studi Pada LPD di Kecamatan Kintamani) Anak Agung Sri Purnami; I Ketut Selamet; Ketut Sudarmini
WACANA EKONOMI (Jurnal Ekonomi, Bisnis dan Akuntansi) Vol. 18 No. 2 (2019)
Publisher : Universitas Warmadewa

LPD merupakan salah satu LKM milik Desa Pakraman yang menyediakan jasa keuangan kepada masyarakat setempat dengan berdasarkan filosofi Tri Hita Karana. Dalam perkembangannya, aset LPD terus tumbuh dan menjadi lembaga non bank yang asetnya terbesar di Provinsi Bali. Sebagai bentuk tanggung jawab terhadap lingkungan sosial setempat, keuntungan LPD juga diporsikan untuk dana sosial atau Corporate Social Responsibility (CSR). Oleh karena itu penelitian ini memaparkan strategi pengembangan CSR LPD dalam upaya penguatan implementasi Tri Hita Karana dan Kesejahteraan Masyarakat, dengan studi pada LPD di Kecamatan Kintamani. Tujuan dari penelitian ini adalah untuk mengetahui: (1) bentuk implementasi CSR LPD; (2) faktor-faktor internal dan eksternal LPD dalam implementasi CSR LPD untuk penguatan Tri Hita Karana; serta (3) strategi pengembangan CSR LPD untuk penguatan Tri Hita Karana dan kesejahteraan masyarakat di Kecamatan Kintamani. Populasi penelitian ini adalah seluruh LPD di Kecamatan Kintamani, dan sampel dipilih dengan teknik purposive sampling, sehingga diperoleh responden sebanyak 143 orang. Data dikumpulkan melalui kuesioner, dan selanjutnya dianalisis dengan analisis SWOT. Hasil penelitian dan pembahasan menunjukkan bahwa keuntungan yang diperoleh LPD, sebagian dialokasikan untuk dana sosial atau CSR. Selama ini pemanfaatan dana CSR LPD di Kecamatan Kintamani masih terbatas untuk kegiatan ritual di pura (unsur Parahyangan). Beberapa faktor internal yang merupakan kekuatan LPD di Kecamatan Kintamani yaitu: (1) jumlah dana pihak ketiga; (2) kebijakan penyaluran kredit LPD; dan (3) kualitas sumber daya manusia pengelola LPD. Sedangkan beberapa faktor internal yang teridentifikasi sebagai kelemahan LPD di Kecamatan Kintamani adalah: (1) kualitas pelayanan LPD; (2) dukungan promosi LPD; (3) kompetensi sumber daya manusia LPD; dan (4) komitmen dan kompetensi pengurus LPD. Beberapa faktor eksternal yang merupakan peluang LPD di Kecamatan Kintamani yaitu: (1) budaya/istiadat masyarakat setempat; (2) tingkat pendidikan masyarakat sekitar; (3) sikap masyarakat; dan (4) dukungan desa pakraman. Sedangkan beberapa faktor eksternal yang teridentifikasi sebagai ancaman LPD yaitu: (1) perkembangan teknologi informasi; dan (2) perkembangan jumlah lembaga keuangan. Strategi yang saat ini sesuai diterapkan pada LPD di Kecamatan Kintamani adalah strategi hold and maintain. Penerapan strategi ini adalah dengan melakukan penetrasi pasar dan pengembangan produk.

Characteristics Of The Informal Sector In Denpasar City Sang Ayu Kompyang Dian PRATIWI; I Ketut DARMA; Anak Agung Sri PURNAMI
Journal of Tourism Economics and Policy Vol. 2 No. 1 (2022): Journal of Tourism Economics and Policy (April – July 2022)
Publisher : Indonesia Strategic Sustainability

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/jtep.v2i1.205

This research aim to determine the characteristics of the informal sector in the city Denpasar. The sample of this study was 50 respondents who were taken based on non probability sampling and data collection instruments use are questionnaire. The result of this study indicates that the characteristics of informal sector workers when viewed from the social side which is dominated by workers with education last high school (56%), meried status (72%), type of main job (56%), morning working hours (07.00-finished) (64%), daily sales intensity (80%), with fixed place of sale (56%), the average length of sale is less than 5 years (50%), with their own workers (68%). Characteristics when viewed from the demographic side which is dominated by women (58%), with an age range of 27 to more than 40 years (28%), from Karangasem regency (34%), where they live contracting/leasing (58% ), the type of merchandise sold is in the from of goods mixed (34%), with holiday intensity never having a day off (70%). Characteristics of the informal sector when viewed from the economic side, namely strating with initial capital an average or more than Rp. 400,000 (40%), and average monthly income an average of more than Rp. 1,100,000. from Karangasem regency (34%), where they live contracting/leasing (58%), the type of merchandise sold is in the from of goods mixed (34%), with holiday intensity never having a day off (70%).

Pengaruh Dana Pihak Ketiga dan Tingkat Suku Bunga Kredit Terhadap Profitabilitas di PT. Bank Pembangunan Daerah Bali Tahun 2011-2018 I Gusti Putu Khresna Kusumawardhana; I Made Sara; Anak Agung Sri Purnami
Warmadewa Economic Development Journal (WEDJ) Vol. 4 No. 1 (2021): Warmadewa Economic Development Journal (WEDJ)
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.4.1.3145.1-6

The banking have important role in development and a country’s economy. The bank has a task for raise funds from the public in shape saving, deposit, current account and channeling it back to the public in shape credit. In process credit channeling the bank hope get the maximum profit, because with increasing profitability bank activities can work smoothly and optimally. This research aims to test the impact third-party funds and credit interest rate against profitability (Return On Assets) at PT. Bali Regional Development Bank on quarterly I. 2011 to quarterly IV. 2018 using multiple linear analysis methods. The results show that the t-test on variable third-party funds has negative and not significantly effect to profitability (Return On Asset) and credit interest rate has negative and significantly effect to profitability (Return On Assets). While the results F-test obtained variable third-party funds and credit interest rate has positive and significantly effect to profitability (Return On Assets) at PT. Bali Regional Development Bank.

Pengaruh Dana Pihak Ketiga, BI Rate dan Inflasi Terhadap Penyaluran Kredit Pada PT. Bank Mandiri, Periode 2014(I) -2018(IV) Vania Maria Sarmento Naro; Anak Agung Sri Purnami; I Gusti Ayu Athina Wulandari
Warmadewa Economic Development Journal (WEDJ) Vol. 4 No. 1 (2021): Warmadewa Economic Development Journal (WEDJ)
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.4.1.3148.28-38

This study aims to determine the effect of third party fund, BI Rate and Inflation on lending at Mandiri Bank. Data collection is obtained by collecting data published by the Financial Services Authority, Indonesia Bank and Mandiri Bank. This study used time series data and analyzed using multiple linear regression analysis techniques, namely to determine the effect of independent variables on the dependent variable using hypothesis testing, namely simultaneous test (F Test) and partial test (t test). The result of the F test indicate that the variable third party funds, the BI Rate and Inflation have a significant effect on lending at Mandiri Bank, with a significance level (0.000<0.05). The t test results show the partially Third Party Fund have a positive and significant effect with a significance level (0.000<0.005), BI Rate has a positive and insignificant effect with a significance level (0.395>0.005) and Inflation has a negative and insignificant effect with a significance level (0.059>0.05) on lending to Mandiri Bank.

Monetary Aspect of Linkage to Improve Social Life in Javanese Community Desak Ayu Sriary Bhegawati; Anak Agung Sri Purnami; Made Dian Putri Agustina
Jurnal Javanologi Vol 5, No 2 (2022): Javanologi Volume 5 No.2: Juni
Publisher : Pusat Unggulan Ipteks Javanologi Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/javanologi.v5i2.67963

Monetary issues take an important part in human existence. Financial problems cover many areas in an individual's life, especially the social-social field. The monetary elements in public activities play an important role in determining the degree of social position of a person or group in their current state. In public activities there are several factors that affect a person's level of social position, namely certain financial elements, educational variables, innate elements, and individual work factors. However, in public activities in Indonesia, in general, the monetary element is the most interesting thing that can be used as a benchmark for one's economic welfare. An individual with a high level of abundance will have different ways of life and tendencies compared to an individual who is below the standard level. This social separation certainly has the impact of progress and setbacks in order to support the social life of the community.

PKM PEMBERDAYAAN IBU-IBU PKK DALAM MENINGKATKAN PENDAPATAN KELUARGA PADA KUBE MANIK ASTA GINA DI DESA MUNGGU-BADUNG Anak Agung Ayu Erna Trisnadewi; Anak Agung Sri Purnami
Jurnal Dharma Jnana Vol. 1 No. 2 (2021): JURNAL DHARMA JNANA
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (450.242 KB)

Adanya program KUBE dari pemerintah pusat dalam hal ini dari Kementerian Sosial RI, mendapat sambutan hangat dari berbagai elemen masyarakat, termasuk juga di dalamnya dari warga Desa Munggu. Salah satu KUBE yang masih aktif dan juga sebagai mitra masyarakat dalam program pengabdian kepada masyarakat ini adalah KUBE Manik Asta Gina. KUBE Manik Asta Gina mulai aktif beroperasi mulai 10 Januari 2019, diketuai oleh ibu Ni Ketut Ayu Manik Suastini dan beralamat di Jl Raya Munggu, Br Perempatan Mengwi merupakan KUBE yang berfokus pada usaha jajan tradisional. Selama usaha ini dijalankan, dapat diidentifikasi berbagai permasalahan yang menmpa pada mitra yakni kurangnya daya beli mitra dalam membeli peralatan berakibat pada rendahnya kegiatan produksi, mitra belum memiliki pemahaman terkait dengan akuntansi baik dalam menentukan harga jual maupun cara mencatat transaksi serta mitra masih menggunakan sistem pemasaran dari mulut ke mulut,. Pencatatan transaski melalui nota penjualan, pembuatan stiker usaha dan bantuan peralatan produksi menjadi solusi yang tepat dalam menghadapi masalah mitra. Pencatatan transaksi sederhana dengan nota penjualan dapat membantu pencatatan lebih rapi dan dapat mengetahui dengan cermat total omzet usaha mitra, program pembuatan stiker usaha dapat membantu meningkatkan omzet penjualan serta bantuan produksi dapat membantu meningkatka kapasistas produksi yang bermuara pada peningkatan omzet usaha.

Pelatihan Pengelolaan Keuangan Melalui Aplikasi “Buku Warung” Pada KUBE Manik Asta Gina di Desa Munggu-Badung Anak Agung Ayu Erna Trisnadewi; Anak Agung Sri Purnami; I Gusti Lanang Putra
Jurnal Dharma Jnana Vol. 2 No. 3 (2022): JURNAL DHARMA JNANA
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar

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KUBE Manik Asta Gina merupakan salah satu kube yang aktif dalam memproduksi jajanan tradisional khas bali. beranggotakan 5 orang para srikandi yang semangat dalam membantu perekonomian keluarga. PKM ini merupakan keberlanjutan dari kegiatan pengabdian sebelumnya, tim pengabdi telah memberikan pelatihan penyusunan keuangan sederhana dengan berbantu nota dan pemberian stiker pada kemasan kue. Dalam kegiatan pengabdian sekarang, tim pengabdi akan memberikan pelatihan pengelolaan keuangan dengan menggunakan aplikasi buku warung. Beberapa fitur yang dimiliki oleh aplikasi ini disajikan secara komplit dan mudah dipahami oleh mitra. Penggunaan aplikasi buku warung dalam mencatat biaya serta hasil penjualan akan memberikan gambaran posisi keuangan usaha mitra, apakah mengalami kerugian atau keuntungan. Kegiatan PKM ini memberikan dampak yang positif bagi mitra dalam hal pengelolaan keuangan, dengan adanya pengelolaan keuangan yang baik akan memberikan gambaran arus kas yang sehat, dan hal ini akan memberikan kontribusi dalam pengembangan usaha mitra kedepannya.

Unintended Beneficiaries: Examining 3 kg LPG Consumption Among Upper-Middle-Class Households in Bali Pardita, Dewa Putu Yudi; Purnami, Anak Agung Sri; Putra, I Komang; Darma, I Ketut
Signifikan: Jurnal Ilmu Ekonomi Vol 13, No 2 (2024)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.42534

Research Originality: This study investigates the consumption patterns and awareness of 3 kg LPG subsidy policies among upper-middle-class households in Bali, a relatively unexplored area in energy subsidies and consumer behavior.Research Objectives: To examine the effects of income, price, and practicality on awareness and consumption of 3 kg LPG and evaluate whether awareness mediates these relationships.Research Methods: A mixed-methods approach combines quantitative survey data with qualitative interview insights. Structural Equation Modeling (SEM) analyzes quantitative relationships, while qualitative findings provide contextual depth.Empirical Results: Income does not affect awareness, while price and practicality had a significant positive impact. However, income, price, and practicality had adverse but insignificant effects on 3 kg LPG consumption. Awareness did not mediate the relationships between income, price, practicality, and consumption.Implications: Policymakers should improve subsidy distribution, strengthen public education campaigns, and promote alternatives like induction stoves to reduce dependence on subsidized LPG. JEL Classification: D12, H23, L95, Q41, Q48

Unintended Beneficiaries: Examining 3 kg LPG Consumption Among Upper-Middle-Class Households in Bali Pardita, Dewa Putu Yudi; Purnami, Anak Agung Sri; Putra, I Komang; Darma, I Ketut
Signifikan: Jurnal Ilmu Ekonomi Vol. 13 No. 2 (2024)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.42534

Research Originality: This study investigates the consumption patterns and awareness of 3 kg LPG subsidy policies among upper-middle-class households in Bali, a relatively unexplored area in energy subsidies and consumer behavior.Research Objectives: To examine the effects of income, price, and practicality on awareness and consumption of 3 kg LPG and evaluate whether awareness mediates these relationships.Research Methods: A mixed-methods approach combines quantitative survey data with qualitative interview insights. Structural Equation Modeling (SEM) analyzes quantitative relationships, while qualitative findings provide contextual depth.Empirical Results: Income does not affect awareness, while price and practicality had a significant positive impact. However, income, price, and practicality had adverse but insignificant effects on 3 kg LPG consumption. Awareness did not mediate the relationships between income, price, practicality, and consumption.Implications: Policymakers should improve subsidy distribution, strengthen public education campaigns, and promote alternatives like induction stoves to reduce dependence on subsidized LPG. JEL Classification: D12, H23, L95, Q41, Q48

PKM Institutional Strengthening of the Women's Farm Labor Group in Belantih Village, Kintamani District, Bangli Regency Rustini, Ni Made; Selamet, I Ketut; Purnami, Anak Agung Sri
Jurnal Pengabdian Masyarakat Bestari Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpmb.v3i11.12187

Women farmers have almost the same role as male farmers, in fact they are directly involved in various stages of activities, especially during the planting and post-harvest period. The development of women farmers in rural areas is fostered through a group forum. To strengthen the institution of the Women Farmers group and focus on coaching, the implementation of the activity was carried out at the Mabi Subak Hall, Belantih Village. It began with a Coordination Meeting of the Farmer Women Group which was opened by the head of Belantih Village who was accompanied by the head of Banjar Mabi hamlet. The Women's Farm Workers Group (KWBT) is an agricultural institution created with the aim of facilitating the activities of women agricultural workers from the orange plant maintenance sector, farm worker equipment assistance, capital to innovation in processing post-harvest orange products into innovative products that have a selling value.

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