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All Journal Jurnal Ekonomi Jurnal Ekonomi dan Bisnis Jagaditha Ekuitas: Jurnal Pendidikan Ekonomi Jurnal Ilmiah Manajemen dan Bisnis (JIMB) Jurnal Bakti Saraswati Jurnal Studi Manajemen dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) WIDYA MANAJEMEN JURNAL MANAJEMEN DAN BISNIS EQUILIBRIUM jurnal syntax admiration BUDGETING : Journal of Business, Management and Accounting Jurnal Ilmiah Satyagraha Jurnal Pengabdian UNDIKMA Jurnal Arastirma International Journal of Social Service and Research Jurnal Minfo Polgan (JMP) Journal of Sustainable Business and Management Jurnal Abdi Masyarakat Journal of Sustainable Community Service International Journal of Management Research and Economics Jurnal Penelitian Pendidikan Indonesia Ekuitas Jurnal Pnedidikan Ekonomi Countable (Contemporary Business and Sustainability Science) KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Geriadi, Made Ayu Desy
Faculty Of Economics And Business, University Of Ngurah Rai, Denpasar, Bali, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Keputusan Investasi Pada Galeri Invesatasi Universitas Ngurah Rai Geriadi, Made Ayu Desy; Septiani, Putu Surya
Jurnal Ilmiah Satyagraha Vol 8, No 1 (2025)
Publisher : Universitas Mahendradatta Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47532/jis.v8i1.1202

Abstract

Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan dan perilaku keuangan terhadap keputusan investasi saham. Penelitian ini dilakukan di Galeri Investasi Universitas Ngurah Rai. Penelitian ini menggunakan jenis data kuantitatif dengan menggunakan sumber data primer dan sekunder. Metode pengumpulan data menggunakan kuisioner yang diukur menggunakan skala likert. Populasi dalam penelitian ini adalah Mahasiswa yang terdaftar sebagai Investor di Galeri Investasi universitas Ngurah Rai dari tahun 2019 sampai 2023 yang berjumlah 703 orang. Teknik pengambilan sampel menggunakan teknik purposive sampling, sehingga jumlah sampel sebanyak 56 orang. Pengolahan data menggunakan bantuan program SPSS versi 25 for Windows. Instrumen penelitian menggunakan uji validitas dan realibilitas. Analisis data menggunakan uji asumsi klasik, analisis regresi linier berganda, analisis determinasi, uji F-test dan uji t-test. Hasil penelitian menunjukan bahwa (1) literasi keuangan dan perilaku keuangan berpengaruh positif dan signifikan secara simultan terhadap keputusan investasi, (2) literasi keuangan berpengaruh positif dan signifikan secara parsial terhadap keputusan investasi dan (3) perilaku keuangan berpengaruh positif dan signifikan secara parsial terhadap keputusan investasi. 
The Influence Of Collateral And Loan Term On Credit Decisions At The Swadharma Savings And Loans Cooperative Artha Gemilang In Blahbatuh District, Gianyar Regency Made Ayu Desy Geriadi; Ni Luh Widyantari
International Journal of Management Research and Economics Vol. 2 No. 3 (2024): August : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v2i3.1927

Abstract

There is attention and problems encountered related to collateral and loan terms in credit decisions at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. The aim of the research is to determine the effect of collateral and loan term simultaneously and partially on credit decisions at the Swadharma Artha Gemilang Du Savings and Loans Cooperative, Blahbatuh District, Gianyar Regency. The number of samples was determined using the Accidental Sampling method as many as 90 credit customers at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, determination analysis, statistical analysis of the t test (t-test) and statistical analysis of the F test (F-test). The results of the research show that there is a positive and significant influence, both partially and simultaneously, between collateral and loan term on credit decisions at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. Keywords: ,
The Effect of Work Climate Work Environment and Work Motivation on the Morale of Contract Employees at the Environmental Service of Gianyar Regency Wirawan, I Kadek Arya Yudi; Adiandari, Ade Maharini; Geriadi, Made Ayu Desy
Jurnal Ilmiah Manajemen dan Bisnis Vol 11, No 2 (2025): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v11i2.32424

Abstract

The aim of this research is: To determine the influence of work climate, work environment and work motivation simultaneously and partially on work morale at the Gianyar Regency Environmental Service. Sampling was carried out using the census method or saturated sample, namely 48 contract employees. The data sources used are primary data and secondary data, the nature of the data is quantitative data and qualitative data. Data collection techniques include observation, interviews, questionnaires and documentation studies. The research results show that work climate, work environment and work motivation have a positive and significant effect simultaneously and partially on the work morale of contract employees at the Gianyar Regency Environmental Service.
Edukasi Investasi dan Pencegahan Jeratan Pinjaman Ilegal bagi Masyarakat Pesisir Desa Sanur Kauh Denpasar Bali I Gusti Agung Prabandari Tri Putri; Putu Gede Denny Herlambang; I Komang Sumerta; Octavianus Sumardana Pratama; Made Ayu Desy Geriadi; Sang Ayu Putu Nindia Antika
Jurnal Pengabdian UNDIKMA Vol. 3 No. 3 (2022): November
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v3i3.5653

Abstract

This service program aims to provide education about investment and the dangers of illegal loans for the coastal communities of Sanur Kauh Village, Denpasar Bali. The method of implementing the service activity is socialization. The participants of the service activity consists of the Family Welfare Empowerment (PKK) groups including mothers, fishermen groups, and farmer business groups. Assistance is also provided to the community in terms of family financial management by a team of FEB UNR Lecturers. Evaluation of activities is carried out by distributing questionnaires to all participants for socialization and assistance. The results of this community service showed that 90 percent of participants felt that information on the legality of investment and the selection of legal and logical working capital financing institutions were very useful. The enthusiasm can be seen in the activeness of the participants in asking and answering questions asked by the speakers. This socialization activity is expected to be able to become the basis for making investment decisions and solving problems for people who need working capital. In the future, it is also hoped that the community will be able to implement effective and efficient financial management practices in their daily lives.
Pengaruh Kredit Bermasalah, Kecukupan Modal dan Loan To Deposit Ratio terhadap Profitabilitas Pada Pt Bank Pembangunan Daerah Bali Di Bali Denny Herlambang, Putu Gede; Sukanti, Ni Ketut; Geriadi, Made Ayu Desy; Juliantar, I Dewa Ayu Alit
Jurnal MBE Manajemen Bisnis, Equilibrium Vol 8 No 1 (2022): Jurnal Manajemen Dan Bisnis Equilibrium
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Ngurah Rai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47329/jurnal_mbe.v8i1.840

Abstract

Abstrak: Penelitian ini bertujuan agar bisa mengamati Pengaruh kredit bermasalah, kecukupan modal dan loan to deposit ratio terhadap Profitabilitas di PT Bank Pembangunan Daerah Bali. Penelitian ini memakai pendekatan kuantitatif. Data yang dipakai ialah laporan keuangan PT Bank Pembangunan Daerah Bali periode triwulan dari tahun 2013-2020, teknik penentuan sampel dilakukan melalui metode sampling jenuh hingga diperoleh sampel sebanyak 32. Data yang diperoleh akan dianalisis melalui pengujian asumsi klasik, analisis determinasi, analisis linear berganda, pengujian parsial (t-test) serta pengujian simultan (F-test). Hasil dari penelitian ini membuktikan bahwa Non Performing Loan memberi pengaruh negatif yang signifikan pada Profitabilitas. Capital Adequancy Ratio memberi pengaruh positif yang signifikan pada profitabilitas, dan Loan to deposit ratio memberi pengaruh positif yang signifikan pada Profitabilitas. Secara simultan Non Performing Loan, Capital Adequancy Ratio dan Loan to Deposit Ratio memberi pengaruh yang signifikan pada Profitabilitas di PT Bank Pembangunan Daerah Bali.
PENGARUH NON-PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PERTUMBUHAN LABA PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK UNIT SUKAWATI CABANG GIANYAR Geriadi, Made Ayu Desy; Astawa, I Gede Wana
Jurnal MBE Manajemen Bisnis, Equilibrium Vol 8 No 2 (2022): Jurnal Manajemen dan Bisnis Equilibrium
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Ngurah Rai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47329/jurnal_mbe.v8i2.955

Abstract

Pertumbuhan laba yang stabil dan terus mengalami peningkatan adalah tujuan suatu perusahaan khususnya perusahaan perbankan, sehingga sangat penting bagi perusahaan untuk mengetahui faktor-faktor yang mempengaruhinya. Tujuan penelitian ini adalah untuk memperoleh gambaran sejauh mana kontribusi Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap pertumbuhan laba. Penelitian ini dilakukan pada PT. Bank Rakyat Indonesia Unit Sukawati Cabang Gianyar. Pengumpulan data yang diterapkan dalam penelitian ini adalah dengan teknik studi dokumentasi. Dari hasil penelitian analisis data menunjukkan bahwa secara simultan Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) mempunyai pengaruh secara signifikan terhadap pertumbuhan laba yang dibuktikan dengan nilai F hitung 16,792 > dari nilai F tabel 3,25. Non-Performing Loan (NPL) mempunyai pengaruh secara negatif dan signifikan terhadap pertumbuhan laba yang ditunjukkan dengan nilai t1-hitung variabel Non-Performing Loan (NPL) (X1) adalah -2,703 dan nilai t-tabel adalah - 1,68709 (t1-hitung < t-tabel). Loan to Deposit Ratio (LDR) mempunyai pengaruh secara positif dan signifikan terhadap pertumbuhan laba yang ditunjukkan dengan nilai t2-hitung variabel Loan to Deposit Ratio (LDR) (X2) adalah 2,057 dan nilai t-tabel adalah 1,68709 (t2-hitung > t-tabel).
Understanding Financial Behavior Among Students: A Literature Review on the Risks of Falling into Online Loan Debt Geriadi, Made Ayu Desy; Dwijayanthi, A.A.Istri Agung Ovy
JUSTBEST Journal of Sustainable Business and Management Vol. 4 No. 2 (2024): Journal of Sustainable Business and Management
Publisher : Global Researcher Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52432/justbest.4.2.53-63

Abstract

The rapid expansion of online loan services has led to increased financial risks for students, particularly in Indonesia, where access to digital financial services has become ubiquitous. This literature review explores the financial behavior of students, focusing on their engagement with online loan platforms and the associated risks of falling into debt. Financial literacy, peer influence, family background, and psychological factors such as impulsivity and risk-taking behavior are identified as key determinants of students' borrowing decisions. While financial literacy plays a crucial role in helping students make informed decisions, low financial literacy levels increase their susceptibility to predatory lending practices. Additionally, peer influence, social norms, and the allure of instant gratification contribute to the normalization of online loans among students. The review highlights the importance of digital financial literacy programs and interventions aimed at improving students' ability to navigate online financial services responsibly. Finally, the study identifies several gaps in the literature, including the need for longitudinal studies, an exploration of the psychological drivers of online loan usage, and research into the impact of online loan marketing strategies. This review provides valuable insights for policymakers, educators, and financial institutions seeking to mitigate the risks of online loan debt among students.
Kebijakan pengembangan ecowisata berbasis komunitas di Indonesia: sebuah pendekatan quadruple helix Wirata, Gede; Handayani, Made Mulia; Desy Geriadi, Made Ayu
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 9 No. 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232239

Abstract

Dalam realitanya pembangunan kepariwisataan di Indonesia pada umumnya masih belum mampu mewujudkan pariwisata yang ekowisata (ecotourist). Dalam pengembangan ekowisata, terdapat beberapa instansi yang memiliki wewenang dalam pengelolaan dan membuat kebijakan dan perundang-undangan tentang ekowisata termasuk didalamnya yaitu universitas, publik, industri, dan pemerintah. Tujuan penelitian ini adalah untuk mendeskripsikan dan menganalisis implementasi quadruple helix dalam kebijakan pengembangan ecowisata berbasis komunitas di Indonesia. Penelitian ini menggunakan metode penelitian kualitatif deskriptif teknik analisis data yang digunakan adalah teknik analisis data model interaktif. Hasil penelitian menunjukkan bahwa tidak hanya sebatas keterlibatan masyarakat dalam suatu kegiatan tetapi lebih lanjut peran serta juga mengandung pengertian bahwa masyarakat terlibat dalam setiap tahap dari suatu kegiatan sampai dengan menilai apakah pembangunan sudah sesuai dengan rencana dan dapat meningkatkan ekonominya. Universitas sebagai institusi pendidikan telah berkontribusi dalam kepariwisataan melalui kajian ilmiah terkait desa wisata dan program wisata, melalui pendampingan pembentukan desa wisata di beberapa obyek wisata. Peran industri dalam ekowisata yaitu berperan dalam peningkatan roda perekonomian daerah malalui pemanfaatan objek wisata untuk memperoleh benefit yang maksimal serta peran pemerintah dan masyarakat dalam objek wisata agar tetap berkelanjutan.
PENGARUH LITERASI KEUANGAN DAN KEMAJUAN TEKNOLOGI TERHADAP MINAT INVESTASI DI PASAR MODAL Monika Willys Saraswati, Ida Idewa Ayu; Ovy Dwijayanthi, Anak Agung Istri Agung; Desy Geriadi, Made Ayu
Jurnal Ilmiah Satyagraha Vol. 8 No. 2 (2025): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47532/mmy2ae55

Abstract

Abstrak – Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan dna kemajuan teknologi terhadap minat investasi di pasar modal. Metode penelitian yang digunakan adalah metode penelitian kuantitatif dengan pendekatan deskriptif. popilasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Ngurah Rai angkatan 2021 dan 2022 yang berjumlah 243 orang. Sampel dalam penelitian ini adalah 70 orang diambil menggunakan metode non probability sampling dengan teknik purposive sampling dan menerapkan perhitungan rumus Slovin. Teknik analisis data menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) Literasi keuangan dan kemajuan teknologi berpengaruh positif dan signifikan secara simultan terhadap minat investasi di pasar modal, (2) Literasi keuangan berpengaruh positif dan signifikan secara parsial terhadap minat investasi di pasar modal, (3) Kemajuan teknologi berpengaruh positif dan signifikan secara parsial terhadap minat investasi di pasar modal.   Kata kunci: Literasi Keuangan, Kemajuan Teknologi, Minat Investasi.   Abstract – This study aims to examine the effect of financial literacy and technological advances on investment interest in the capital market. The research method used is quantitative research method with descriptive approach. The population in this study were students of the Faculty of Economics and Business, Ngurah Rai University class of 2021 and 2022, totaling 243 people. The sample in this study was 70 people taken using non probability sampling method with purposive sampling technique and applying the Slovin formula calculation. The data analysis technique uses multiple linear regression analysis. The results showed that (1) Financial literacy and technological advances simultaneously have a positive and significant effect on investment interest in the capital market, (2) Financial literacy has a positive and significant effect partially on investment interest in the capital market, (3) Technological progress has a positive and significant effect partially on investment interest in the capital market.   Keywords: Financial Literacy, Technological Progress, Investment Interest
PERAN MEDIASI MENTAL ACCOUNTING DALAM HUBUNGAN ANTARA FINANCIAL KNOWLEDGE DAN FINANCIAL SELF-EFFICACY TERHADAP FINANCIAL BEHAVIOR Desy Geriadi, Made Ayu; Marini, Putu Lidia; Makatita, Reyner Frengky
Jurnal Ilmiah Satyagraha Vol. 8 No. 2 (2025): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47532/xmjymm58

Abstract

Abstrak – Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge dan financial self-efficacy terhadap financial behavior dengan mental accounting sebagai variabel mediasi pada mahasiswa di Kota Denpasar. Latar belakang penelitian ini didasarkan pada pentingnya pengelolaan keuangan yang baik di kalangan mahasiswa sebagai kelompok usia produktif yang mulai menghadapi tanggung jawab finansial secara mandiri. Pendekatan kuantitatif digunakan dalam penelitian ini, dengan teknik analisis data menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM).Pengumpulan data dilakukan melalui survei terhadap 160 mahasiswa aktif dari beberapa perguruan tinggi di Kota Denpasar yang memenuhi kriteria tertentu. Hasil penelitian menunjukkan bahwa financial knowledge dan financial self-efficacy berpengaruh positif dan signifikan terhadap financial behavior. Selain itu, mental accounting juga terbukti memiliki pengaruh langsung terhadap financial behavior dan memediasi hubungan antara variabel independen (financial knowledge dan financial self-efficacy) dengan financial behavior. Temuan ini menegaskan pentingnya aspek kognitif dan psikologis dalam membentuk perilaku keuangan mahasiswa. Implikasi dari penelitian ini menyarankan agar program edukasi keuangan di perguruan tinggi tidak hanya menekankan pada peningkatan pengetahuan, tetapi juga penguatan efikasi diri dan pengembangan keterampilan mental accounting guna menciptakan perilaku finansial yang sehat dan berkelanjutan. Kata kunci: financial knowledge, financial self-efficacy, mental accounting, financial behavior.   Abstract – This study aims to analyze the influence of financial knowledge and financial self-efficacy on financial behavior, with mental accounting as a mediating variable, among undergraduate students in Denpasar City. The background of this research lies in the importance of sound financial management among university students, who are transitioning into financial independence. This study employs a quantitative approach and uses Partial Least Squares Structural Equation Modeling (PLS-SEM) for data analysis. Data were collected through a survey of 160 active undergraduate students from several universities in Denpasar, selected using purposive sampling. The results indicate that both financial knowledge and financial self-efficacy have a significant positive effect on financial behavior. Mental accounting also shows a direct positive effect on financial behavior and mediates the relationship between the independent variables (financial knowledge and financial self-efficacy) and financial behavior. These findings highlight the crucial role of cognitive and psychological factors in shaping students’ financial behavior.The study suggests that financial education programs in universities should not only focus on increasing knowledge but also on strengthening financial self-efficacy and developing mental accounting strategies to foster healthy and sustainable financial behaviors.   Keywords: financial knowledge, financial self-efficacy, mental accounting, financial behavior, university students
Co-Authors Ade Maharini Adiandari Amrita, Nyoman Dwika Ayu Anak Agung Istri Agung Ovy Dwijayanthi Artha, I Kadek Arifandi Werdhi Astawa, I Gede Wana Bagus Arya Wijaya Bagus Arya Wijaya Cokorda Istri Agung Vera Nindia Putri Dewi, Kadek Ary Purnama Dewi, Sayu Ketut Sutrisna Gede Wirata Hadi Nasbey Handayani, Made Mulia I Dewa Ayu Alit Juliantar I Gede Wana Astawa I Gusti Agung Prabandari Tri Putri I Gusti Agung Prabandari Tri Putri I Gusti Agung Prabandari Tri Putri I Gusti Bagus Wiksuana I Gusti Made Sudika I Komang Sumerta I Made Kartika I Wayan Meryawan I Wayan Suastika Jayate, I Wayan Hara Juliantar, I Dewa Ayu Alit Juliantari, I Dewa Ayu Alit Luh Erynayati Made Ratna Witari Makatita, Reyner Frengky Mariani, I Gusti Agung Ayu Marini, Putu Lidia Martins, Rosena Fatima De Oliveira Monika Willys Saraswati, Ida Idewa Ayu Ni Kade Devi Sulistiana Ni Ketut Sukanti Ni Luh Ayu Karsini Ni Luh Putu Ening Permini Ni Luh Widyantari Ni Made Yumita Sari Ni Putu Ade Augustyana Barintha Dewi Ni Putu Ade Augustyana Barintha Dewi Ni Putu Yuliana Ria Sawitri Ni Putu Yuliana Ria Sawitri Ni Putu Yuliana Ria Sawitri Nindia Putri , Cokorda Istri Agung Vera Nyoman Dwika Ayu Amrita Prastha Adyatma Pratama, Octavianus Sumardana Putri, Putu Amanda Angelina Putu Doddy Heka Ardana Putu Gede Denny Herlambang Putu Surya Septiani Sang Ayu Putu Nindia Antika Sawitri, Ni Putu Yuliana Ria Seminar, Ni Ketut Septiani, Putu Surya Suastini, Ni Luh Putu Sudiyani, Ni Nyoman Sulistiana, Ni Kadek Devi Sumariani, Ni Putu Ayu Tjok Gde Raka Sukawati Tri Putri, I Gusti Agung Prabandari Wijaya, Bagus Arya Wirawan, I Kadek Arya Yudi