Wijana, I Made Dauh
Universitas Mahasaraswati Denpasar, Denpasar, Indonesia

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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

Abstract

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

Abstract

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

Abstract

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.
The Importance of Changing Community Attitude in Increasing Switching Decision to Public Transportation: A Case Study of Denpasar City Community Atmaja, Ni Putu Cempaka Dharmadewi; Kusuma, I Gusti Agung Ngurah Gede Eka Teja; Wijana, I Made Dauh; Wisnawa, Putu Anom Wisnu; yasa, I Gede Agus Sentana Widana
Journal of The Community Development in Asia Vol 8, No 1 (2025): January 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v8i1.3674

Abstract

Traffic congestion is a very important thing for the Denpasar City government to handle at this time. One of the Denpasar city government's efforts to reduce speed is by introducing public transportation to the people of Denpasar City and its surroundings. However, public interest in public transportation is not very high. It is very important to carry out research on people's attitudes and behavior to be able to switch to public transportation. The aim of this research is to determine the role of attitudes in the influence of service quality on the decision of the people of Denpasar City to switch to public transportation. The research method uses path analysis with a sample size of 130 respondents. The research results state that service quality and attitude have a positive influence on the decision to switch to public transportation. This research also states that attitude can partially mediate the influence of service quality on the decision to switch to public transportation. The implication of the research is that the Denpasar city government should be able to improve public transportation services to the community so that it can increase the positive attitude of the community to switch to public transportation.
The Influence of National Health Insurance Participant Satisfaction in Mediating the Relationship of Service Quality and Brand Image Towards Participant Loyalty at RSU Balimed Denpasar Diastuti, Ni Kadek; Atmaja, Ni Putu Cempaka Dharmadewi; Wijana, I Made Dauh; Putra, I Gede Cahyadi
International Journal of Applied Business and International Management Vol 9, No 1 (2024): April 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i1.2918

Abstract

The irregularity of participants in paying National Health Insurance contributions shows that participants lack loyalty in paying contributions which are their routine obligations as participants in the National Health Insurance program. The aim of this research is to reveal the mediating impact of satisfaction on service quality and brand image on loyalty. This research is quantitative research conducted using a survey, using data samples from National Health Insurance participants with active membership and receiving services at the Bali Med Denpasar General Hospital, totaling 82 people with PLS-based SEM analysis. The research results showed that service quality had a positive and significant effect on satisfaction, brand image had no significant effect on satisfaction, service quality and brand image had a positive and significant effect on loyalty, and patient satisfaction was able to mediate the effect of service quality and brand image on patient loyalty. It is hoped that the results of the research can provide advice to related parties to improve the quality of health services, such as how to respond to existing complaints and communicate well with patients and this is expected to have a positive impact on the quality of services.
Patient Satisfaction as a Mediator of Service Quality, Hospital Image, and Loyalty Among Participants of Indonesia’s BPJS Kesehatan Program Widiarti, Luh Putu; Widnyana, I Wayan; Mitariani, Ni Wayan Eka; Wijana, I Made Dauh
International Journal of Applied Business and International Management Vol 10, No 2 (2025): August 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v10i2.4005

Abstract

Maintaining patient loyalty is a key challenge in public healthcare services. This study aims to examine the mediating role of patient satisfaction in the relationship between service quality, hospital image, and the Social Security Agency for Health (BPJS Kesehatan) participants' loyalty at RSUD Mangusada Badung. A quantitative method was employed by distributing questionnaires to BPJS participants who had received services at the hospital. The data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that service quality and hospital image significantly influence both patient satisfaction and loyalty. Patient satisfaction also partially mediates the relationship between service quality, hospital image, and loyalty. Numerically, service quality has a path coefficient of X, hospital image Y, and patient satisfaction Z toward loyalty, all with significant p-values (p 0.05). These findings imply that improving service quality and maintaining a strong hospital image can enhance patient satisfaction and foster long-term loyalty among BPJS participants. The study contributes to healthcare service management literature and offers practical insights for hospital administrators and BPJS policymakers in formulating strategies to strengthen patient retention and institutional trust.
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

Abstract

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.
Compensation and Work Facilities as Determinants of Lecturer Performance: The Mediating Role of Work Motivation Nugroho, Gifari Iman; Wijana, I Made Dauh; Puspitawati, Ni Made Dwi; Dharmadewi Atmaja, Ni Putu Cempaka
Journal of The Community Development in Asia Vol 8, No 3 (2025): September 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v8i3.4098

Abstract

This study is motivated by the declining performance of lecturers at the Denpasar Islamic Religious College, particularly reflected in limited research activities. The purpose is to examine the influence of compensation and work facilities on lecturer performance, with work motivation as a mediating variable. A quantitative approach was applied, collecting data through questionnaires from 30 permanent lecturers using the census technique. Data were analyzed with Partial Least Squares (PLS), a structural equation modeling (SEM) method for assessing direct and indirect relationships. The findings show that compensation (p = 0.736; t = 0.337) and work facilities (p = 0.995; t = 0.007) have no significant direct effect on lecturer performance. However, compensation (p = 0.000; t = 4.141) and work facilities (p = 0.027; t = 2.128) significantly influence work motivation, which in turn positively impacts performance (p = 0.030; t = 3.009). Mediation analysis confirms that work motivation fully mediates the relationship between compensation, work facilities, and performance. The study concludes that strengthening lecturer motivation is essential for enhancing performance, emphasizing the importance of better compensation systems and adequate work facilities.
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

Abstract

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.