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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 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) KREATIF: Jurnal Pengabdian Masyarakat Nusantara 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
Fakultas Ekonomi Dan Bisnis Universitas Ngurah Rai, Bali, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education 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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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
Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Keputusan Investasi Pada Galeri Invesatasi Universitas Ngurah Rai Made Ayu Desy Geriadi; Putu Surya Septiani
Jurnal Ilmiah Satyagraha Vol. 8 No. 1 (2025): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

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Abstract

This research aims to examine the influence of financial literacy andfinancial behavior on stock investment decisions. This research was conducted atthe Investment Gallery of Ngurah Rai University. This research uses quantitativedata using primary and secondary data sources. The data collection method uses aquestionnaire which is measured using a Likert scale. The population in this studywere students who were registered as investors at the Ngurah Rai UniversityInvestment Gallery from 2019 to 2023, totaling 703 people. The sampling techniqueused purposive sampling technique, so the total sample was 56 people. Dataprocessing uses the SPSS version 25 for Windows program. The researchinstrument uses validity and reliability tests. Data analysis uses the classicassumption test, multiple linear regression analysis, determination analysis, F testand t test. The research results show that (1) financial literacy and financialbehavior have a positive and significant effect simultaneously on investmentdecisions, (2) financial literacy has a partial positive and significant effect on investment decisions and (3) financial behavior has a partial positive and significant effect. significant influence on decisions. investment.
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

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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.
Pengelolaan Usaha Kerajinan Bedeg Bali Ni Luh Putu Ening Permini; Made Ayu Desy Geriadi; I Gusti Made Sudika; Made Ratna Witari; Ni Ketut Sukanti
KREATIF: Jurnal Pengabdian Masyarakat Nusantara Vol. 3 No. 2 (2023): Juni : Jurnal Pengabdian Masyarakat Nusantara
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/kreatif.v3i2.2071

Abstract

Craft business is a business that is carried out by selling various handicraft products that have functions and economic value. Many Indonesian people have been involved in the craft industry, one of which is the bedeg craft industry, in Bali. However, during the implementation process, bedeg entrepreneurs experienced many obstacles such as a lack of ability to prepare financial report books, lack of marketing outreach, and a bedeg design that seemed to be monotonous. The purpose of implementing this trial is to help partners, namely Bedeg Sudiana Craftsmen, to overcome the problems they face. The process of implementing the program is carried out by carrying out 3 service activity programs including providing assistance and assisting in making bookkeeping and financial reports, making social media and providing assistance and assisting in product design development. The results of the implementation of this activity show that the partners are very enthusiastic in participating in the training and that there is an increase in the ability of partners to manage finances. In addition, with the training activities, the reach of partner businesses has become wider, resulting in an increase in the number of product orders. Partners hope that this service activity can be carried out in a sustainable manner because it can have a positive influence on business progress.
ANALISIS RASIO KEUANGAN UNTUK MENGUKUR KINERJAKEUANGAN PADA YAYASAN BALI SARASWATI DI GIANYAR Made Ayu Desy Geriadi; Bagus Arya Wijaya; Ni Putu Ade Augustyana Barintha Dewi
Jurnal Ilmiah Satyagraha Vol. 7 No. 2 (2024): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

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Abstract

 Analisis rasio keuangan merupakan upaya dalam mencari gambaranrelasi dan membandingkan jumlah akun ketika menjabarkan laporan keuangan.Dengan memakai rasio keuangan, pihak internal dan eksternal entitas denganmudah bisa mendapatkan informasi tentang kekuatan serta kelemahan entitas darisudut pandang keuangan. Kinerja keuangan Yayasan Bali Saraswati belum dapatdikatakan baik dikarenakan laba yang dihasilkan masih mengalami penurunan danpeningkatan tiap tahunnya sehingga dibutuhkan perhitungan analisis rasiokeuangan yang merupakan salah satu cara untuk dapat menilai keadaan kinerjakeuangan Yayasan Bali Saraswati. Dengan cara menghitung rasio keuangan yangada maka akan dapat diketahui kondisi kinerja keuangan yang sedang dialamiYayasan Bali Saraswati. Perumusan masalah dalam penelitian ini adalahbagaimana kinerja keuangan pada Yayasan Bali Saraswati di Gianyar periode2018 2022 yang diukur dengan rasio keuangan. Tujuan penelitian adalah untukmengetahui kinerja keuangan pada Yayasan Bali Saraswati di Gianyar periode2018 2022 yang diukur dengan rasio keuangan. Data dianalisis denganmenggunakan 4 rasio keuangan yaitu rasio likuiditas, rasio solvabilitas, rasioaktivitas dan rasio profitabilitas Hasil penelitian menunjukkan bahwa kinerjakeuangan Yayasan Bali Saraswati dilihat dari rasio likuiditas, rasio solvabilitas,dan rasio profitabilitas sudah baik, sedangkan dilihat dari rasio aktivitas padaindikator Working Capital Turn Over dan Total Assets Turn Over berada dalamkondisi kurang baik. 
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.
Integrasi Innovation dan Customer Relationship Dalam Meningkatkan Marketing Performance Melalui Competitive Advantage Pratama, Octavianus Sumardana; Handayani, Made Mulia; Geriadi, Made Ayu Desy; Nindia Putri , Cokorda Istri Agung Vera
Widya Manajemen Vol. 8 No. 1 (2026): Widya Manajemen
Publisher : UNHI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32795/538nk906

Abstract

Craft products are export commodities that contribute to Bali's economic growth, but have experienced a decline in export value. The increasingly complex dynamics of the craft industry present various strategic challenges for craft businesses in Bali. Considering that craft products not only serve as a source of regional and national income but also constitute a cultural heritage, this requires attention. This study has theoretical innovations regarding the integration of innovation and relationship marketing as intangible resources from the RBV perspective. Furthermore, competitive advantage as a mediating variable in this relationship has rarely been studied specifically in the context of traditional craft products facing the global export market. In this context, Balinese craft businesses are required to increase their competitiveness through the implementation of sustainable innovation and strengthening relationships with customers as an effort to encourage improved marketing performance. This study involved all craft businesses in Bali as the population. The sample size was 96. Data were analyzed using PLS-SEM. The results of the study proved that innovation influences competitive advantage and marketing performance, but the effect was not significant on marketing performance, while customer relationships influenced competitive advantage and marketing performance. In this study, the competitive advantage achieved by Balinese craft businesses.
The Effect of Return on Assets (ROA) and Debt to Equity Ratio (DER) on Stock Prices of Technology Sector Companies Listed on the Indonesia Stock Exchange (IDX) for the Period 2021–2023 Jayate, I Wayan Hara; Geriadi, Made Ayu Desy; Sukanti, Ni Ketut
Countable (Contemporary Business and Sustainability Science) Vol. 2 No. 1 (2025)
Publisher : Inisiatif Masyarakat Jurnal Indonesia (IMAJI)

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Abstract

This study examines the effect of Return on Assets (ROA) and Debt to Equity Ratio (DER) on stock prices of technology sector companies listed on the Indonesia Stock Exchange (IDX) during 2021–2023. The research uses a quantitative explanatory method, analyzing 87 firm-year observations obtained from 29 technology companies listed continuously on the IDX. Multiple linear regression was employed to test both partial and simultaneous effects, preceded by classical assumption tests to ensure data reliability. The results demonstrate that ROA and DER have a positive and statistically significant effect on stock prices both individually and jointly. Firms with higher profitability and optimal leverage tend to achieve stronger stock performance and higher investor confidence. The findings underline the importance of efficient asset utilization, balanced capital structures, and transparent communication with investors in stabilizing stock prices and enhancing corporate value.
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 Dwijayanthi, A.A.Istri Agung Ovy 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