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Determining Micro Banking Together with The Development of Financial Technology in The New Normal Era Ni Made Pipin Indah Pratiwi; I Gusti Ngurah Putra Suryanata
Jurnal Mantik Vol. 4 No. 3 (2020): November: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.Vol4.2020.1097.pp2171-2177

Abstract

The financial sector is one of the business sectors that has undergone significant changes, known as Financial Technology (FinTech). FinTech is here to answer the problem of public financial access to conventional financial institutions. The development of non-bank financial institutions in rural areas has greatly helped rural communities to increase rural economic growth. The LPD functions as a container of village wealth in the form of money or letters, carries out its function in the form of efforts towards improving the standard of living of village manners and in its business activities supports a lot of village development. This study aims to determine the strategies used by the Lembaga Perkreditan Desa (LPD) in supporting implementation financial technology in the middle of the New Normal Era and to find out the impact felt by the community by its implementation financial technology in the middle of the New Normal Era. The method used in this research is a qualitative approach with sample selection purposive sampling. In this study, the process of data collection and processing was assisted by using the SWOT matrix which is a tool used to compile the company's strategic factors. Strategies that can support the implementation of financial technology LPD Talepud and LPD Ketewel provide a sense of comfort, security, and convenience in making transactions using LPD Mobile. Customers who use LPD Mobile can experience practicality, such as withdrawals via LPD ATMs, electricity payments, credit purchases, quota purchases, PDAM payments, BPJS payments and others.
PRODUCT INNOVATION AND UTILIZATION OF DIGITAL MARKETING FOR BUSINESS SUSTAINABILITY DURING A PANDEMIC IN CULINARY BUSINESS Yande Ryan Ambaramika Adnyana; I Gusti Ngurah Putra Suryanata
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 5, No 3 (2021): IJEBAR : Vol. 05, Issue 03, September 2021
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v5i3.3158

Abstract

The culinary business is growing every day because it is a very profitable business, but running a culinary business when the pandemic by COVID-19 is very difficult, even some business sectors are almost paralyzed, which ultimately affects the country's economy and causes a slowdown in global economic activity. This study aims to find action in the culinary business to maintaining business continuity during the pandemic. To survive the current situation, the owner of the roof sekarjambu must be brave in building a business, and product innovation include planning the marketing system, packaging, and brand. What will it be like, especially in today's digital world, making everything easier to market business products. The research is a qualitative method with primary data sources from interviews, observations and documentation, and secondary data sources. To achieve clear and focused research results, the authors choose informants who know, master the problem and are directly involved, including business owners, employees and consumers. The Roof Sekarjambu applies innovation and digital marketing to maintain the sustainability of the culinary industry during the current COVID-19 pandemic crisis, which has weakened the purchasing power of consumers and the economy in all sectors. One of them is in the culinary field
ANALISIS PENGEMBANGAN USAHA COFFEE SHOP DENGAN PENDEKATAN PEST PASCA PANDEMI COVID-19 DI KOTA DENPASAR I Wayan Sunia; I Gusti Ngurah Putra Suryanata; I Made Suidarma; I Dewa Nyoman Marsudiana; Made Arya Segara Wilis; I Nyoman Taun
Majalah Ilmiah Widyacakra Vol 5 No 2 (2022): Majalah Ilmiah Widyacakra
Publisher : STIE BIITM

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (582.782 KB) | DOI: 10.56915/miw.v5i2.124

Abstract

ABSTRACTAnalysis of Coffee Shop Business Development with the Post-Covid-19 PEST Approach in Denpasar City. This study intends to understand the effect of the analysis of coffee shop business development with the PEST approach after the Covid-19 pandemic in Denpasar city, with a sample of 48 respondents and using saturated sampling techniques in sampling. The data collection technique used a questionnaire using a Likert scale. The type of data in this study uses quantitative data the data analysis method used is validity test analysis, reliability test, classical assumption test, multiple regression analysis, coefficient of determination, partial significance test (t test), and simultaneous test (t test). The result of study prove that partially, politics has a positive and significant influence in increasing the development of the Coffee Shop business in the city of Denpasar, this can be seen from the results of the t-test, namely the t coefficient is 3,465. The economy has a positive and significant influence in increasing the coffee shop business development in the city of Denpasar, this can be seen from the results of the t-test, namely the t coefficient is 3,588. Social has a positive and significant influence in increasing the coffee shop business development in the city of Denpasar, this can be seen from the results of the t test, namely the t coefficient is 2,958. Technology has a positive and significant influence in increasing the coffee shop business development in the city of Denpasar, this can be seen from the results of the t-test, namely the t coefficient is 2.436. Simultaneously Politics, Economy, Social and technology have a positive and significant influence on the Coffee Shop Business Development in Denpasar City by 55.10%, while the remaining 45.90% is influenced by other factors that are not discussed in this study.Keywords: Political, Economic, Social, Technological and Business Development ABSTRAK Penelitian ini bermaksud untuk memahami Pengaruh Analisis Pengembangan Usaha Coffee Shop dengan Pendekatan PEST Pasca Pandemi Covid-19 di Kota Denpasar, dengan sampel 48 responden dan menggunakan teknik sampel jenuh dalam pengambilan sampel. Teknik pengumpulan data menggunakan kuisioner dengan menggunakan skalalikert. Jenis data yang dalam penelitian ini memakai data kuantitatif. Metode analisis data yang digunakan ialah analisis uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi berganda, Koefisien determinasi, uji signifikan parsial (uji t), dan uji simultan (uji f). Hasil penelitian membuktikan bahwa secara parsial politik memiliki pengaruh positif dan signifikan dalam meningkatkan pengembangan usaha Coffee Shop di kota Denpasar, ini dapat dilihat dari hasil uji t-test yaitu koefisien t diperoleh sebesar 3.465. Ekonomi memiliki pengaruh positif dan signifikan dalam meningkatkan pengembangan usaha Coffee Shop di kota Denpasar, ini dapat dilihat dari hasil uji t-test yaitu koefisien t diperoleh sebesar 3.588. Sosial memiliki pengaruh positif dan signifikan dalam meningkatkan pengembangan usaha Coffee Shop di kota Denpasar, ini dapat dilihat dari hasil uji t-test yaitu koefisien t diperoleh sebesar 2.958. Teknologi memiliki pengaruh positif dan signifikan dalam meningkatkan pengembangan usaha Coffee Shop di kota Denpasar, ini dapat dilihat dari hasil uji t-test yaitu koefisien t diperoleh sebesar 2.436. Secara simultan Politik, Ekonomi, Sosial dan teknologi memiliki pengaruh positif dan signifikan terhadap Pengembangan Usaha Coffee Shop di Kota Denpasar sebesar 55,10%, sedangkan sisanya sebesar 45,90% dipengaruhi oleh faktor lain yang tidak dibahas pada penelitian ini.Kata kunci : Politik, Ekonomi, Sosial, Teknologi, dan Pengembangan Usaha
STRATEGI BPR DALAM MENGHADAPI GEMPURAN FINTECH Nyoman Rajendra Kumara; I Gusti Ngurah Putra Suryanata
JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Vol. 12 No. 1 (2023): JMM Februari 2023
Publisher : Master of Management, Mataram University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jmm.v12i1.744

Abstract

Rural Banks (BPR) are banks that carry out business activities conventionally or based on syariah principles which in their activities do not provide services in payment traffic. The activities of BPRs are much narrower than those of commercial banks because BPRs are prohibited from accepting demand deposits, foreign exchange and insurance activities. The role of BPR has a significant contribution to the economy in Indonesia. Based on the Indonesian Banking Statistics released by the OJK, the number of rural banks in Indonesia continues to decline. On the other hand, the development and growth of Fintech (Financial Technology) is very fast. The rapid growth of fintech is because this service offers various advantages to make financial transactions more effective and efficient. Based on this, there is an imbalance between the growth of BPR compared to the growth of fintech in Indonesia. Both BPR management and shareholders must anticipate changes and challenges to the BPR business going forward. This study uses a qualitative method by conducting in-depth interviews with BPRs and fintech representatives. The results of the research can be used as a reference both by shareholders and BPR management so that they can continue to survive and grow Keywords: Fintech, BPR, Strategy
Strategi Pemasaran Pariwisata Berbasis Masyarakat Upaya Meningkatkan Volume Penjualan I Gusti Ngurah Putra Suryanata; Luh Kartika Ningsih; Anak Agung Ngurah Restu Gautama
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 4 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i5.2681

Abstract

Penelitian ini mengkaji Strategi pemasaran pariwisata berbasis masyarakat upaya meningkatkan volume penjualan. United Nation World Tourism Organizations (UNWTO) mengakui bahwa sektor pariwisata adalah sektor unggulan dan merupakan salah satu kunci penting dalam pembangunan wilayah di suatu negara maupun peningkatan kesejahteraan bagi masyarakat. Meningkatnya jumlah destinasi dan investasi pariwisata menjadikan sektor pariwisata sebagai faktor kunci dalam peningkatan devisa, penciptaan lapangan kerja, pengembangan usaha dan infrastruktur. Indonesia yang dikenal sebagai negara dengan berbagai macam potensinya mampu memikat banyak orang untuk datang dan menjelajahi keunikannya. Tak heran, pariwisata dijadikan sebagai program pembangunan prioritas yang selalu diberi target pencapaian oleh pemerintah. Dalam lima tahun terakhir, jumlah kunjungan wisatawan mancanagera ke Indonesia terus mengalami peningkatan. Angka kunjungan ini tentunya berpengaruh terhadap pertumbuhan devisa di Indonesia. Pada tahun 2017, pariwisata Indonesia menempati urutan kedua sebagai penyumbang devisa negara setelah sektor kelapa sawit dengan nilai USD 16,8 miliar. Namun, sekali pun devisa dan kunjungan wisatawan mengalami kenaikan, ternyata tidak semua masyarakat di Indonesia menikmati ‘kue manis’ atau dampak ekonomi dari pariwisata. Pengembangan kepariwisataan yang terkonsentrasi pada destinasi wisata prioritas, ditambah dengan adanya istilah 10 Bali Baru menyebabkan banyak ketimpangan yang terjadi di daerah yang bukan menjadi prioritas. Dari fenomena di atas dapat disimpulkan bahwa produk wisata yang paling menguntungkan bagi produsen  sector pariwisata di Ubud Kabupaten Gianyar untuk mendapatkan keuntungan maksimal tentu upaya yang dilakukan menaikan harga secara bertahap dengan memperhatikan pesaing lainnya agar tetap mendapatkan wisatawan tetap. Kombinasi dari faktor produksi yang harus dipilih oleh produsen untuk mendapatkan keuntungan yang maksimal, keuntungan per unit produksi bisa maksimal harus memprioritaskan kwalitas produksi dan harga bersaing dengan produk lainnya. Strategi pariwisata  di Ubud Kabupaten Gianyar pasca  Pandemic Covid19. berhasil mengubah paradigma baru, yakni mendorong kepercayaan masyarakat untuk terus bekerja keras dan selalu membuat terobosan diversifikasi sector pariwista  agar para wisatawan merasa puas dan selalu mencintai industry pariwisata dalam negeri upaya membuka kesempatan kerja seluas-luasnya dan untuk mensejahtrakan masyarakat dan menambah devisa Negra sehingga incvestor asinng berlomba-lomab berinvestasi di dalam negeri.
Strategi Pemasaran Pariwisata Berbasis Masyarakat Upaya Meningkatkan Volume Penjualan Anak Agung Ngurah Restu Gautama; Luh Kartika Ningsih; I Gusti Ngurah Putra Suryanata
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.2116

Abstract

Penelitian ini mengkaji Strategi pemasaran pariwisata berbasis masyarakat upaya meningkatkan volume penjualan. United Nation World Tourism Organizations (UNWTO) mengakui bahwa sektor pariwisata adalah sektor unggulan dan merupakan salah satu kunci penting dalam pembangunan wilayah di suatu negara maupun peningkatan kesejahteraan bagi masyarakat. Meningkatnya jumlah destinasi dan investasi pariwisata menjadikan sektor pariwisata sebagai faktor kunci dalam peningkatan devisa, penciptaan lapangan kerja, pengembangan usaha dan infrastruktur. Indonesia yang dikenal sebagai negara dengan berbagai macam potensinya mampu memikat banyak orang untuk datang dan menjelajahi keunikannya. Tak heran, pariwisata dijadikan sebagai program pembangunan prioritas yang selalu diberi target pencapaian oleh pemerintah. Dalam lima tahun terakhir, jumlah kunjungan wisatawan mancanagera ke Indonesia terus mengalami peningkatan. Angka kunjungan ini tentunya berpengaruh terhadap pertumbuhan devisa di Indonesia. Pada tahun 2017, pariwisata Indonesia menempati urutan kedua sebagai penyumbang devisa negara setelah sektor kelapa sawit dengan nilai USD 16,8 miliar. Namun, sekali pun devisa dan kunjungan wisatawan mengalami kenaikan, ternyata tidak semua masyarakat di Indonesia menikmati ‘kue manis’ atau dampak ekonomi dari pariwisata. Pengembangan kepariwisataan yang terkonsentrasi pada destinasi wisata prioritas, ditambah dengan adanya istilah 10 Bali Baru menyebabkan banyak ketimpangan yang terjadi di daerah yang bukan menjadi prioritas. Dari fenomena di atas dapat disimpulkan bahwa produk wisata yang paling menguntungkan bagi produsen  sector pariwisata di Ubud Kabupaten Gianyar untuk mendapatkan keuntungan maksimal tentu upaya yang dilakukan menaikan harga secara bertahap dengan memperhatikan pesaing lainnya agar tetap mendapatkan wisatawan tetap. Kombinasi dari faktor produksi yang harus dipilih oleh produsen untuk mendapatkan keuntungan yang maksimal, keuntungan per unit produksi bisa maksimal harus memprioritaskan kwalitas produksi dan harga bersaing dengan produk lainnya. Strategi pariwisata  di Ubud Kabupaten Gianyar pasca  Pandemic Covid19. berhasil mengubah paradigma baru, yakni mendorong kepercayaan masyarakat untuk terus bekerja keras dan selalu membuat terobosan diversifikasi sector pariwista  agar para wisatawan merasa puas dan selalu mencintai industry pariwisata dalam negeri upaya membuka kesempatan kerja seluas-luasnya dan untuk mensejahtrakan masyarakat dan menambah devisa Negra sehingga incvestor asinng berlomba-lomab berinvestasi di dalam negeri.
Mengurai Talent Management Pada Lembaga Perkreditan Desa (LPD) Di Kabupaten Buleleng Anak Agung Ngurah Restu Gautama; I Gusti Ngurah Putra Suryanata; Anak Agung Ngurah Eddy Supriyadinata Gorda
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 2 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i2.1737

Abstract

Peneltian ini dilakukan bertujuan untuk mengetahui tentang implementasi manajemen talenta pada Lembaga Perkreditan Desa (LPD). Desain penelitian ini adalah deskriptif kualitatif dengan teknik purposive sampling, pada penelitian ini menggunakan 9 informan yang menjabat sebagai ketua pada LPD yang berbeda. Penelitian dilakukan di Kabupaten Buleleng dengan mengambil 9 sampel LPD yang dikategorikan sehat menurut data triwulan I tahun 2021. Pada manajemen talenta terdiri 4 proses utama yaitu inclusion, engagement, competencies, dan retention serta sub prosesnya yaitu sourcing, aligning, learn and develop, dan reward. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dokumentasi, dan triangulasi. Analisis data yang digunakan diantaranya data reduction, data display, conclusion drawing/ verification.  Hasil dari penelitian ini bahwa secara umum LPD memiliki acuan dasar dalam melakukan tata kelola yaitu diatur dalam local regulation no 3 tahun 2017 tentang Lembaga Perkreditan Desa dan local regulation no 44 tahun 2017 tentang Peraturan Pelaksanaan Peraturan Daerah Provinsi Bali no 3 tahun 2017 tentang Lembaga Perkreditan Desa. Secara khusus untuk memperoleh dan mempertahankan sumber daya manusia yang berkompeten di organisasi, masing-masing LPD sudah memiliki caranya tersendiri, mulai dari tata kelola LPD, sistem perekrutan yang juga melibatkan pihak eksternal seperti LPLPD, BKS-LPD, dan Mitra dari Bank BPD Bali, pengembangan karyawan dilakukan melalui pelatihan baik internal maupun eksternal LPD, dan juga pemberian reward kepada karyawannya melalui penilaian dari kehadiran, masa kerja, jabatan, pendidikan, dan kinerja atau prestasi.
Analysis Of The Effect Of Capital Structure And Profitability On The Value Of Risk And Company Value (Case Study on Real Estate and Property Companies Listed on the Indonesia Stock Exchange in 2020-2022) Suryanata, I Gusti Ngurah Putra
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i2.5523

Abstract

This study aims to analyze the impact of capital structure and profitability on company value, as well as explore the relationship with the level of risk. Research is also to find out whether better management in capital structure and profitability can reduce company risk. The location of research was conducted in the real estate and property industry on the Indonesia Stock Exchange. The research sample was 44 companies within a period of 3 years of the annual publication of financial statements (time series). The analysis tool used is the Partial Least Square (PLS)-based SEM method requires 2 stages to assess the Fit Model of a research model. The results show that for the company's performance and future projections, an effective and transparent communication strategy with shareholders and investors is needed, involving risk disclosure, comprehensive risk analysis, technology utilization, and active involvement in corporate decision-making. Companies need diversification, regular communication with investors, mature risk management strategies, product innovation, transparent financial statements, and consideration of external cooperation to achieve a balance between profit and investment that is attractive to investors who care about risk and future projections. To overcome bankruptcy risk and achieve a balanced capital structure, companies need to implement a comprehensive approach by conducting risk analysis, business diversification, careful cash management, avoiding overleverage, and focusing on sustainable growth. Evaluate appropriate capital requirements for sustainable growth, combine multiple funding sources, have a phased growth plan, sound debt management, careful debt repayment planning, consider the impact of financial decisions on profitability, and maintain long-term stability.
PENGARUH PERSEPSI KEMUDAHAN, PERSEPSI RISIKO DAN FITUR LAYANAN TERHADAP MINAT MENGGUNAKAN E-WALLET DANA PADA GENERASI Z DI KOTA DENPASAR Putri, Ida Ayu Kade Setia; Prawitasari, Putu Putri; Suryanata, I Gusti Ngurah Putra; Kustina, Ketut Tanti
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.750

Abstract

This study aims to evaluate the influence of perceived ease of use, perceived risk, and service features on the interest in using the DANA e-wallet among Generation Z in Denpasar. The advancement of technology in the 4.0 industrial era has encouraged the use of e-wallets as a primary payment method, especially among young people who prefer cashless transactions due to the convenience and flexibility offered. Using a quantitative approach with a sample of 100 respondents selected through purposive sampling, this research employed an online questionnaire to measure perceived ease of use, perceived risk, and service features as they relate to usage interest. Data analysis was conducted through multiple linear regression using SPSS. The findings show that all three independent variables have a positive and significant influence on the interest in using the DANA e-wallet. Perceived ease of use and service features have a substantial impact on influencing Generation Z’s interest, while perceived risk, although significant, has a lesser effect. This study's conclusions provide insights for developing e-wallet services that better align with Generation Z's preferences and suggest further research to include additional relevant variables and expand the geographical scope of study
STRATEGI E-COMMERCE ERA MODERN: USER EXPERIENCE DAN AI CHATBOT SEBAGAI FAKTOR LOYALITAS PELANGGAN GEN Z Saputra, I Gede Ega; Prawitasari, Putu Putri; Lestari, Ni Putu Eka; Suryanata, I Gusti Ngurah Putra
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.813

Abstract

This study aims to determine the influence of User Experience, Artificial Intelligence Chatbot on Customer Satisfaction with Customer Loyalty as a mediating variable. The sample in this study is 112 consumers aged 15-29 years, domiciled in Denpasar and Shopee Application users. Using a quantitative approach, data was obtained through the distribution of questionnaires to respondents, using the Likert scale as a measuring tool. The results showed that independent variables, such as User Experience and Artificial Intelligence Chatbot, positively and significantly influenced the dependent variable, namely Customer Loyalty, directly. In addition, in the context of the influence of mediation, it was found that Customer Satisfaction plays a role as a mediating variable in the relationship between User Experience and Customer Loyalty. And also Customer Satisfaction plays a mediating variable in the relationship between Artificial Intelligence Chatbot and Customer Loyalty, with positive and significant results. This research can make a positive contribution to marketing literature and practically for Shopee companies need to consider the features in the application and web so that there are no bugs in the features, this affects the user experience so that users on the Shopee application and website feel the benefits of these features, so that increasing user satisfaction and customer loyalty will increase