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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 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.
From Stall to Screen: Increasing MSMEs Exposure and Sales in Pering Village Through Online Marketing Dewi, Sayu Ketut Sutrisna; Sukawati, Tjokorda Gde Raka; Seminar, Ni Ketut; Martins, Rosena Fatima De Oliveira; Adyatma, Prastha; Sumariani, Ni Putu Ayu; Geriadi, Made Ayu Desy; Artha, I Kadek Arifandi Werdhi; Putri, Putu Amanda Angelina
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 5 No. 4 (2025): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v5i4.1083

Abstract

Limited marketing access remains a major obstacle for Micro, Small, and Medium Enterprises (MSMEs) in Pering Village, Blahbatuh District, Gianyar Regency, Bali Province, leading to low sales volumes and profits. Although these enterprises have the potential to produce various superior products, their market reach is constrained, partly because digital technology is still used primarily for personal rather than business communication. To address this issue, a community service program was implemented that included digital marketing training, product photography assistance, the development of compelling promotional narratives, and support in creating business accounts on appropriate digital platforms. The program has enabled MSME actors to expand their marketing access and become more prepared to compete in the digital marketplace, thereby supporting increased sales performance and business growth. Participants improved their digital marketing skills, creating better product photos and promotions. They applied this knowledge by setting up Google Business profiles and social media accounts, expanding their online presence.
PENGARUH JAMINAN DAN JANGKA WAKTU PINJAMAN TERHADAP KEPUTUSAN PENGAMBILAN KREDIT DI KSP SARI SEDANA NADI KECAMATAN BLAHBATUH KABUPATEN GIANYAR Ni Made Yumita Sari; Ni Putu Yuliana Ria Sawitri; Made Ayu Desy Geriadi
Jurnal Bakti Saraswati (JBS) Vol. 14 No. 2 (2025): Jurnal Bakti Saraswati Vol. 14, No 2, Oktober 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM), Universitas Mahasaraswati Denpasar, Bali, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Several researchers have found several factors that influence customer decisions, including collateral and loan terms. Similarly, in KSP Sari Sedana Nadi, collateral and loan terms are also one of the factors that influence credit decisions. The purpose of this study is to determine the simultaneous and partial effects of collateral and loan terms on credit decisions of KSP Sari Sedana Nadi. The sampling was conducted by chance sampling, i.e., 85 credit customers. The data were analyzed using multiple linear regression using computer tools in the form of SPSS 25.0 for Windows program. The results of the study showed that collateral and loan terms have a positive and significant impact on credit decisions of KSP Sari Sedana Nadi, simultaneously and partially. The significance of this study is that collateral and terms as a reference for partner institutions in formulating customer credit decision strategies and policies. it can be adjusted according to its target market and market needs.
Co-Authors Ade Maharini Adiandari Amrita, Nyoman Dwika Ayu Anak Agung Istri Agung Ovy Dwijayanthi Anak Agung Istri Agung Ovy Dwijayanthi Artha, I Kadek Arifandi Werdhi Astawa, I Gede Wana Bagus Arya Wijaya Cokorda Istri Agung Vera Nindia Putri Cokorda Istri Agung Vera Nindia Putri 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 Ida Idewa Ayu Monika Willys Saraswati Juliantar, I Dewa Ayu Alit Juliantari, I Dewa Ayu Alit Kadek Ary Purnama Dewi Luh Erynayati Made Mulia Handayani Made Ratna Witari Makatita, Reyner F. Mariani, I Gusti Agung Ayu Martins, Rosena Fatima De Oliveira 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 Nyoman Dwika Ayu Amrita Prastha Adyatma Pratama, Octavianus Sumardana Putri, Putu Amanda Angelina Putu Doddy Heka Ardana Putu Gede Denny Herlambang Putu Lidia Marini Putu Lidia Marini Ria Sawitri, Ni Putu Yuliana Sang Ayu Putu Nindia Antika 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