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Financial capital, constraints, partners, and performance: An empirical analysis of Indonesia SMEs I Wayan Widnyana; I Made Dauh Wijana; Almuntasir Almuntasir
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol 18, No 2 (2021): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v18i2.11318

Indonesia's small and medium enterprises (SMEs) are considered the backbone of the national economy. However, the fact that SMEs still contribute less to the national gross domestic product (GDP) in terms of value-added, need to be addressed. While previous studies mainly focused on financial (access) constraints as one of the major constraints faced by small enterprises which affect their growth and performances, this study aims to extend the relationship between capital and financial performance of Indonesia SMEs with the moderating effect of financial constraints and partners. This study is different from others as it uses a bigger panel dataset which is about 4.36 million SMEs in Indonesia and is the first to explore the role of financial partners comprehensively. Moreover, the panel regression model with geographic analysis unit uses as a data analysis method. The results of the study show that financial capital has a positive and significant effect on the financial performance of SMEs. Furthermore, while the moderation role of financial partners on the relationship between financial capital and financial performance of Indonesia SMEs was failed to prove, the negative moderation effect of financial constraints was able to prove in this study.

Is Islamic banking stronger than conventional banking during the Covid-19 pandemic? Evidence from Indonesia I Made Dauh Wijana; I Wayan Widnyana
Jurnal Ekonomi & Keuangan Islam Volume 8 No. 1, January 2022
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol8.iss1.art9

Purpose – We intended to test and compare the durability of Islamic banking and conventional banking during the Covid-19 pandemic in Indonesia. To that end, we first compared their performance before and during the pandemic. Next, we examined the effects of pandemic shocks on the performance of each of them.Methodology – The data covers 80 banks in Indonesia, which were divided into four groups, namely Islamic and conventional commercial banks, and Islamic and conventional rural banks. Each group consisted of 20 banks. Our observation period is 10 quarters, which was divided into two periods, namely the period before the pandemic (Q1-2019 – Q1-2020) and the period during the pandemic (Q2-2020 – Q2-2021). For comparison, we used a paired sample t-test, while testing the effect of shocks using a panel regression model.Findings – Islamic banking outperformed conventional banking, both before and during the Covid-19 pandemic. The Covid-19 pandemic has predominantly shaken conventional banking indicators and has only slightly shaken Islamic banking. However, this does not mean Islamic banks were superior to their conventional counterparts because both were shaken, it's just that conventional banks experienced a bigger shock than their Islamic counterparts.Originality – This is an original study that examines and compares the performance between Islamic and conventional banking using financial ratios during the Covid-19 pandemic.

Financial capital, constraints, partners, and performance: An empirical analysis of Indonesia SMEs Widnyana, I Wayan; Wijana, I Made Dauh; Almuntasir, Almuntasir
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol. 18 No. 2 (2021): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v18i2.11318

Indonesia's small and medium enterprises (SMEs) are considered the backbone of the national economy. However, the fact that SMEs still contribute less to the national gross domestic product (GDP) in terms of value-added, need to be addressed. While previous studies mainly focused on financial (access) constraints as one of the major constraints faced by small enterprises which affect their growth and performances, this study aims to extend the relationship between capital and financial performance of Indonesia SMEs with the moderating effect of financial constraints and partners. This study is different from others as it uses a bigger panel dataset which is about 4.36 million SMEs in Indonesia and is the first to explore the role of financial partners comprehensively. Moreover, the panel regression model with geographic analysis unit uses as a data analysis method. The results of the study show that financial capital has a positive and significant effect on the financial performance of SMEs. Furthermore, while the moderation role of financial partners on the relationship between financial capital and financial performance of Indonesia SMEs was failed to prove, the negative moderation effect of financial constraints was able to prove in this study.

Work-Life Balance, Compensation, and Employee Performance: The Mediating Effect of Job Satisfaction in the Procurement Division of Denpasar City Government Arimbawa, Anak Agung Gede Alit; Wijana, I Made Dauh; Landra, Nengah; Imbayani , I Gusti Ayu
Golden Ratio of Human Resource Management Vol. 6 No. 1 (2026): August - February
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grhrm.v6i1.1650

This study explores the influence of work-life balance and compensation on employee performance, considering job satisfaction as a mediating variable in the context of the public sector. A quantitative approach was applied through a survey of 60 civil servants in the Procurement Division of the Denpasar City Government. The data were gathered through questionnaires distributed via Google Forms and analyzed using SmartPLS 4 software. The results showed no significant effect of work-life balance on employee performance, either directly or indirectly through job satisfaction. In contrast, while compensation showed no direct effect on performance, it positively influenced performance indirectly through the mediating role of job satisfaction. These findings highlight the crucial mediating role of job satisfaction in improving employee performance, particularly in relation to compensation.

Exploring the Relational Dynamic among Customer Relationship, Customer Experience, and Loyalty in Guarantee Services Anggraini, Ni Putu Nita; Widyaningtyas, Putu Bunga; Wijana, I Made Dauh
International Journal of Social Science and Business Vol. 9 No. 3 (2025): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v9i3.94156

Inconsistent findings on how customer relationship and experience influence loyalty highlight the need to explore the mediating role of satisfaction and self-congruence, particularly in the MSME guarantee service context. This study investigates the relational dynamics between customer relationship, customer experience, satisfaction, and loyalty within the MSME-guarantee service context of PT Jamkrida Bali Mandara. Drawing on Self-Congruence Theory (SCT), the research examines customer satisfaction as a mediating mechanism linking relational and experiential factors to loyalty. Using a quantitative approach with 183 institutional respondents and data analyzed through Structural Equation Modeling–PLS, the findings reveal that both customer relationship and customer experience significantly influence loyalty, partially mediated by satisfaction. These results validate SCT in an institutional service setting, suggesting that loyalty arises not only from functional interactions but also from psychological congruence between customer self-concept and organizational values. The study contributes theoretically by extending SCT to the guarantee service sector and provides managerial implications emphasizing the importance of enhancing relationship quality, customer experience, and satisfaction to strengthen long-term loyalty.

INFLUENCE INVESTMENT DECISIONS AND DIVIDEND POLICY ON COMPANY VALUE MEDIATED BY FINANCIAL PERFORMANCE Bella, Ni Nyoman Nuryanti; Wijana, I Made Dauh; Widnyana, I Wayan; Suardhika, I Nengah
Management Studies and Business Journal (PRODUCTIVITY) Vol. 3 No. 3 (2026): Management Studies and Business Journal (PRODUCTIVITY)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/gegzan96

This study aims to analyze the influence of investment decisions and dividend policies on firm value, with financial performance as a mediating variable, in property companies listed on the Indonesia Stock Exchange for the 2021–2024 period. This study uses secondary data in the form of annual financial reports. The study population consisted of 62 companies, using a purposive sampling technique, resulting in 248 observational samples. Path analysis and the Sobel test were used to examine the mediating role of the data. The research results show that investment decisions and dividend policy have a positive and significant effect on firm value. Investment decisions and dividend policy also have a positive and significant effect on financial performance. Furthermore, financial performance has a positive and significant effect on firm value. The mediation test results indicate that financial performance mediates the influence of investment decisions and dividend policy on firm value. The findings of this study indicate that improving the quality of investment decisions and dividend policies, supported by strong financial performance, can increase company value. This research is expected to contribute to company management, investors, and future researchers in understanding the factors influencing company value.

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