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All Journal Ekonomi Bisnis Jurnal Minds: Manajemen Ide dan Inspirasi JIA (Jurnal Ilmiah Akuntansi) Interdisciplinary Social Studies Indonesian Journal of Multidisciplinary Science Jurnal Manajemen Stratejik dan Simulasi Bisnis Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Enrichment: Journal of Multidisciplinary Research and Development Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan E-Jurnal Manajemen
Ica Rika Candraningrat
Fakultas Ekonomi Dan Bisnis, Universitas Udayana, Bali, Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences

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Pengaruh Fintech Terhadap Kinerja Keuangan Umkm Dengan Literasi Keuangan Sebagai Variabel Moderasi Ni Putu Rika Puspa Astari; Ica Rika Candraningrat
Jurnal Manajemen Stratejik dan Simulasi Bisnis Vol 3 No 1 (2022): Jurnal Manajemen Stratejik dan Simulasi Bisnis
Publisher : Fakultas Ekonomi Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/mssb.3.1.68-81.2022

Abstract

This study aims to examine the role of financial literacy in moderating the effect of fintech to financial performance. Quantitaive approach and primary data are used in this research. The primary data is obtained from questionare. The sampling method is quota sampling. Sample consist of 60 Balinese Culinary SMEs in Sarbagita area which then divided into 15 samples for each area such as Denpasar, Badung, Gianyar and Tabanan. Furthermore, data is analyzed using multivariate analysis named SEM PLS. The result shows that fintech has a positif and significant effect to financial performace. Another result shows that financial literacy can moderate (strengthen) the positif effect of fintech to financial performance. These results support the planned behavior and financial innovation theory. SMEs owners with high financial literacy rate can optimaly use the effectiveness of fintech in order to increase their financial performance
The Micro, Small and Medium Enterprises Financing Based on Financial Technology Ica Rika Candraningrat; Vera Intanie Dewi; Nyoman Abundanti; Ni Wayan Mujiati; Badaruz Zaman
Jurnal Ilmiah Akuntansi Vol 7 No 2: December 2022
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jia.v7i2.52715

Abstract

Financial technology innovations that are currently developing have provided convenience for the user community in the fields of financial systems, asset management to micro and small business (MSME) financing. The long objective of this research is to optimize the Peer-To-Peer Lending financing model based on the analysis of the preferences of potential lenders in determining MSME financing decisions. This type of research is descriptive quantitative research. Sampling used purposive sampling of MSME actors throughout Bali. The data analysis technique used is logistic regression analysis. The results showed that the estimation model can determine the decision to provide financing to Peer-to-Peer Lending. The variable amount of credit and the term of financing proved to be able to predict financing decisions significantly. While the financing objective variable is not proven to be able to predict financing decisions significantly in Peer-to-Peer Lending financial institutions.
Revisiting Investor Behaviour in Risky Investment Decision Making Ni Putu Ayu Darmayanti; Ni Luh Putu Wiagustini; Luh Gede Sri Artini; Ica Rika Candraningrat
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 9 No 1 (2022): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v9i1.26690

Abstract

The number of studies into behavioral finance has increased during the last two decades. However, literature about how behavioral factors determine risky investment decisions still needs to be reviewed from the behavioral finance theory point of view. This paper deals with behavioral research in finance and some aspects of investor behavior when making investment decisions about risky assets. Library research was conducted and then presented using a descriptive form of theoretical exposure. Based on the perspectives of the prospect theory, the literature reviewed in this paper provides results about individuals' financial literation, risk tolerance, and personality in determining motivation to choose risky investments. The conclusions show that behavioral finance exists, and people may be irrational when making investment decisions about risky assets.
UNDERSTANDING ANTECEDENTS WHICH SHAPE TOURISTS’ WILLINGNESS TO VISIT FROM THE TPB VIEWPOINT Keni, Keni; Wilson, Nicholas; Candraningrat, Ica Rika; Puspitowati, Ida
Jurnal Ilmiah Ekonomi Bisnis Vol 29, No 3 (2024)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2024.v29i3.11455

Abstract

Theory of planned behavior (TPB) had been used repeatedly by various researchers to analyze human’s behavior. Utilizing this framework, this research attempts to fully investigate various variables which could affect tourists’ willingness to visit Bintan Island in Riau Island, Indonesia. Questionnaires were used to gather data from the qualified respondents who’ve visited Bintan Island at least once in the past 1 year. Next, a non-probability sampling in the form of purposive sampling was implemented in order to ensure that all respondents who filled in the questionnaires had satisfied the criteria. After distributing the questionnaires to the respondents for around 4 months, a total of 198 data had been successfully gathered from the respondents. However, after further assessment, 24 data need to be omitted since these data were filled in by respondents who failed to fulfill the respondents’ criteria set in this study, thus confirming that a total 174 data will be further assessed in this research using PLS-SEM method using SmartPLS 4 software. After analyzing these data, authors concluded that all three main variables within the TPB theory, namely attitude, perceived behavioral control and subjective norms, together with destination attachment, significantly and positively affect tourists’ willingness to visit Bintan Island.
The Influence of Financial Literacy and Overconfidence on Investment Decisions With Risk Tolerance as A Mediating Variable (A Study on Stock Investors in Bali Province) Sawitri, Kadek Dewi; Candraningrat, Ica Rika
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 2 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i2.355

Abstract

Investment decisions are influenced not only by rational calculations but also by psychological biases that affect investor behavior. Grounded in behavioral finance and prospect theory, this study aims to analyze the influence of financial literacy and overconfidence on investment decisions, with risk tolerance as a mediating variable. The research involved 250 stock investors in Bali Province, selected through purposive sampling. Data were collected via structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that financial literacy and overconfidence each have a significant and positive effect on investment decisions. Furthermore, both variables also positively influence risk tolerance, which itself significantly impacts investment decision-making. Risk tolerance mediates the effects of financial literacy and overconfidence on investment decisions, indicating that knowledgeable and confident investors are more willing to take calculated risks aligned with their long-term financial goals. The study contributes theoretically to the development of behavioral finance by confirming the mediating role of risk tolerance in investment behavior. Practically, the findings suggest that financial education and awareness of overconfidence biases are essential in enhancing rational investment behavior. Policymakers and financial institutions are encouraged to develop targeted financial literacy programs and investor profiling tools based on risk tolerance to support more strategic and resilient investment decisions.
Peran Penyaluran Kredit Perbankan kepada Sektor Prioritas dalam Mendorong Pemulihan Ekonomi di Pulau Sumatera Utami, Ni Putu Meiling; Ni Nyoman Dian Sudewi; Ni Ketut Ping Purnama Sari; Ica Rika Candraningrat
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 4 No. 2 (2025): Oktober: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v4i2.5996

Abstract

The financial sector plays an important role in promoting Indonesia's economic recovery. This study was conducted to determine the effect of credit to priority sectors on economic growth on the island of Sumatera. The data analysis technique used is dynamic panel data regression analysis with the system-GMM approach. The results of this study indicate that credit for the agricultural, forestry, and fishery sectors; manufacturing sector; the accommodation and food and drink provision sector can increase economic growth on the island of Sumatera, while the construction sector credit; wholesale and retail trade sector; and the transportation and warehousing sectors have a negative influence on economic growth. This shows that the credit of the banking sector has a positive and negative influence on economic growth on the island of Sumatera. Therefore, banks and the government are expected to increase financial literacy to the community and improve internet facilities, especially in rural areas.
The influence of entrepreneurial orientation and financial performance on sustainable business in MSMEs Satria, Gde Agung; Wiagustini, Ni Luh Putu; Rahyuda, Henny; Candraningrat, Ica Rika
Indonesian Journal of Multidisciplinary Science Vol. 3 No. 3 (2023): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v3i3.757

Abstract

The research examines the influence of Enterpreneuship orientation and financial perfrmance on sustainable businesses in micro, small and medium enterprises that are challenges in influencing the economy. This qualitative research study utilized a systematic literature review on scientific journals from 2015-2023, focusing on entrepreneurial orientation, financial performance, and sustainable business, and analyzed through data reduction, presentation, and conclusions. The results of this study show that the Entrepreneurship orientation has an influence on the financial performance of new product development. This, to improve tha performance of new product development, current and future customer needs should be seen as a guideline for new product development efforts. Where, the Entrepreneurship orientation that affects the influence on the performance of micro small and medium enterprises is only an autonomous dimension. While other dimensions of enterpreneurship orientation such as innovation, proactive and risk odo not have a significant effect on the performance of micro, small and medium enterprises. Therefore, it is recommended to provide autonomy to employees to be able to motivate them by giving freedom to act in an entrepreneurship manner so that they can improve the performance of micro, small and medium enterprises.
Analysis of inventory management at Widi Putra Motor Dewa Nyoman Wahyu Ariana; Ica Rika Candraningrat
Interdisciplinary Social Studies Vol. 4 No. 2 (2025): Regular Issue: January-March 2025
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v4i2.807

Abstract

The aim of this study is to analyze and compare the total cost of inventory by implementing a better inventory management system compared to the traditional methods currently used. This study was a descriptive research with a quantitative approach that focused on the analysis of inventory management at Widi Putra Motor, especially related to the effectiveness of controlling spare parts inventory using the Economic Order Quantity (EOQ) method. The object of the research consisted of inventories in 2023 and 2024. The results show that the use of the EOQ method provides efficiency in inventory management, which in turn minimizes costs incurred and supports the increase in profits. The total inventory cost is compared between the method applied by the workshop that is currently used and the method used by the shop. This research is expected to provide benefits both theoretically, as well as an empirical contribution and reference for future research related to inventory management. The application of the economic order quantity method is recommended to determine the optimal order quantity in order to minimize total inventory costs.
Impact of Fintech on Financial Performance of MSMES in Bali with Financial Literacy as Moderator Ica Rika Candraningrat; Vera Intanie Dewi; Putu Ayu Kezia Dewi
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 19 No. 1 (2025)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2025.v19.i01.p01

Abstract

This study examines the impact of fintech on the financial performance of micro, small, and medium enterprises(MSMEs) in Bali, with financial literacy as a moderating variable. A quantitative approach was employed,utilizing primary data collected through questionnaire distribution. The sampling method used was purposivesampling, with a total of 150 respondents. The findings indicate that fintech has a positive and significant effecton financial performance. Furthermore, financial literacy positively moderates this relationship, strengthening theimpact of fintech on financial performance. These results align with the Theory of Planned Behavior and theTheory of Financial Innovation. The higher the financial literacy of MSME owners, the more effectively theyutilize fintech to enhance financial performance.
EFISIENSI SUPPLY CHAIN MANAGEMENT PADA USAHA EKONOMI KREATIF TRI CYCLE Made Tarina Maha Lini; Ica Rika Candraningrat
E-Jurnal Manajemen Vol. 15 No. 1 (2026)
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJMUNUD.2026.v15.i1.p02

Abstract

Ekonomi kreatif merupakan salah satu cara Indonesia untuk dapat bersaing di pasar global. Efisiensi rantai pasok berperan penting dalam meningkatkan daya saing industri kreatif di tengah tantangan keterbatasan modal, kemitraan, dan model bisnis yang belum matang. Lokasi penelitian dilakukan di Tri Cycle, UMKM ekonomi kreatif di bidang fashion yang berlokasi di Bali. Penelitian menggunakan metode Data Envelopment Analysis (DEA) untuk mengukur efisiensi rantai pasok pada beberapa Decision Making Unit (DMU) di Tri Cycle dengan mempertimbangkan variabel input seperti lead time, fleksibilitas, dan biaya total pemesanan, serta variabel output seperti pemenuhan pesanan, kesesuaian standar mutu, dan kinerja pengiriman. Hasil penelitian menunjukkan terdapat variasi tingkat efisiensi antar DMU, di mana sebagian unit telah mencapai efisiensi optimal, sementara unit lain masih memerlukan perbaikan pada aspek tertentu, seperti pengurangan biaya atau peningkatan kecepatan layanan.  Implikasi dari penelitian ini memberikan rekomendasi model perbaikan supply chain yang dapat diterapkan oleh Tri Cycle untuk meningkatkan efisiensi operasional dan daya saing usaha di sektor ekonomi kreatif.   The creative economy is one of Indonesia's strategies to compete in the global market. Supply chain efficiency plays an important role in increasing the competitiveness of the creative industry amid challenges such as limited capital, partnerships, and underdeveloped business models. The research was conducted at Tri Cycle, a creative economy MSME in the fashion sector located in Bali. This study used the Data Envelopment Analysis (DEA) method to measure the supply chain efficiency of several Decision Making Units (DMUs) at Tri Cycle by considering input variables such as lead time, flexibility, and total ordering cost, as well as output variables such as order fulfillment, compliance with quality standards, and delivery performance. The results showed variations in efficiency levels among the DMUs, with some units achieving optimal efficiency, while others still require improvement in certain aspects, such as cost reduction or service speed enhancement. The implications of this study provide a recommended supply chain improvement model that can be implemented by Tri Cycle to improve operational efficiency and business competitiveness.
Co-Authors Badaruz Zaman Bahtiar, Nurfaidah Desak Putu Rahayu Lestari Dewa Nyoman Wahyu Ariana Henny Rahyuda I Gede Pawarista Susila Putra I Gede Suastawa I Gusti Agung Ayu Bintang Mahadewi I Gusti Ayu Agung Mas Jayanti I Kadek Redy Irawan I Putu Agus Ary Raditya Juliana Ida Puspitowati Keni Keni Luh Gede Sri Artini Made Tarina Maha Lini Maria Virginia Nggadas Ni Ketut Ping Purnama Sari Ni Luh Putu Wiagustini Ni Luh Putu Wiagustini Ni Made Anita Dewi Sudarsana Ni Nyoman Dian Sudewi Ni Putu Ayu Darmayanti Ni Putu Lisna Ardityawati Ni Putu Rika Puspa Astari Ni Wayan Mujiati Ni Wayan Yuliani Nicholas Wilson Nyoman Abundanti Patrio, Shine Pintor Siolemba Putu Adhy Sumantri Putu Ayu Ersa Tresna Dewi Putu Ayu Kezia Dewi Satria, Gde Agung Sawitri, Kadek Dewi UTAMI, NI PUTU MEILING Vera Intanie Dewi