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MENGOPTIMALKAN KAPABILITAS INOVASI, KOMPETENSI DAN BUDAYA CATUR PURUSA ARTHA DALAM ERA DIGITAL: PERAN KINERJA UMKM Sari , Ni Komang Santi Yulia; Utami , Ni Made Satya; Verawati, Yenny; Irwandika, Gede; Vindiyastara, Shella Putri
Jurnal Nusa Manajemen Vol. 1 No. 3 (2024): Jurnal Nusa Manajemen Volume 1 Nomor 3 November Tahun 2024
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v1i3.187

Abstract

This study aims to determine the effect of innovation capability variables, competence, and catur purusa artha on the performance of MSMEs in Bali Province. The respondent data sampled in this study were MSMEs in Bali Province using a questionnaire method using 100 MSME samples calculated using the Slovin formula. In contrast, the data processing and analysis techniques used SPSS software. The findings of this study indicate that: 1) Innovation capability does not have a significant effect on the performance of MSMEs, 2) Competence has a positive and significant effect on the performance of MSMEs, 3) Catur Purusa Artha has a positive and significant effect on the performance of MSMEs.
Unraveling the Determinants of Budgetary Slack: A Study of Participation, Information Asymmetry, and Organizational Factors Yenny Verawati; Ni Wayan Rustiarini
Journal of Advanced Research in Social Sciences and Humanities Vol. 10 No. 2 (2025): JARSSH
Publisher : Journal of Advanced Research in Social Sciences and Humanities

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26500/JARSSH-10-2025-0201

Abstract

Aim: Budgeting is not just a financial plan to monitor expenses and revenues over time within an organization; it also serves as an essential management tool for executing the company’s strategic goals. In the context of achieving budget targets, a "changan budget" often entails forecasting higher expenses and lower revenues within a specified range. This study seeks to examine how factors such as budget participation, information asymmetry, self-interest, role ambiguity, and organizational commitment affect budgetary slack at Village Credit Institutions (LPD) in Denpasar City.Methodology: Using purposive sampling, responses were collected from 136 participants, and data analysis was conducted using multiple linear regression.Findings: The findings indicate that budget participation, information asymmetry, self-interest, role ambiguity, and organizational commitment all positively influence budgetary slack in LPDs in Denpasar City.Implications/Novel Contribution: To improve the prediction of factors affecting budgetary slack, future studies should consider including additional variables, such as leadership style and internal control systems.
Absorption Capacity, Innovative Culture, and Organizational Innovation: Role of Catur Purusa Artha Culture as Moderating Utami, Ni Made Satya; Verawati, Yenny; Irwandika, Gede
Jurnal Manajemen Bisnis Vol. 16 No. 1: March 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v16i1.23355

Abstract

Research aims: This research aimed to investigate the relationship between absorptive capacity (ACap) and innovative culture (ICul) in an organization. Additionally, the impact of ICul on innovation and the mediating function of the variable were analyzed. In this context, Catur Purusa Artha (CPA) culture served as a moderating varaible in assimilating organizational innovation (OIn).Design/Methodology/Approach: A quantitative design was applied, and data were collected using a questionnaire distributed to 350 Small and medium enterprises (SMEs) units. Subsequently, the collected data were investigated using the Smart PLS3 application.Research findings: The results showed that ACap did not affect OIn. ACap had a positive and substantial impact on ICul, which was influenced by OIn. Therefore, ICul functioned as a mediating variable in the relationship between ACap and OIn. CPA was reported to moderate the relationship between ACap and OIn.Theoretical Contribution/Originality: The literacy could be used as a management practice developed in the business actors of Bali Province. In this context, the role of local culture was important in running a business.Practitioners/Policy Implications: This research could be used in an organization for social, economic, cultural, and business development. The observation data and the conclusion were used as a reference.Research Limitations/Implications: SMEs managers in Bali Province were used as samples since some organizations did not implement the local CPA culture. Furthermore, a national organizational culture could be applied to various sectors.
Evaluation of the Impact of Credit Policy on Financial Performance Tahu, Gregorius Paulus; Susilo, Dominicus Djoko Budi; Verawati, Yenny
Journal La Sociale Vol. 6 No. 6 (2025): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v6i6.2587

Abstract

This study aims to analyze the impact of credit policy on the financial performance of national banking companies in Indonesia, focusing on how credit policies influence factors such as profitability, financial stability, and liquidity. A quantitative approach is used in this research, with secondary data obtained from published financial reports of national banks, as well as data from the Financial Services Authority (OJK) and Bank Indonesia (BI). The data analysis technique employed is linear regression to examine the relationship between credit policy and financial ratios, including Non-Performing Loans (NPL), Return on Assets (ROA), Return on Equity (ROE), and the Operating Expenses to Operating Income ratio (BOPO) over the period 2015–2022. The results show that the credit policies implemented by banks have a significant impact on profitability, with an average ROA of 2.4% and ROE reaching 12.5%. Moreover, poor credit risk management was found to increase the NPL ratio to 3.2% and lower the banks’ financial performance. Meanwhile, a positive relationship between sound credit risk management and bank liquidity can be observed through the BOPO ratio, which stands at around 75%, indicating operational efficiency. Based on these findings, it is recommended that banks improve their credit risk policies to enhance their performance and financial stability.
Bank Business Sustainability: Bibliometric Analysis Yenny Verawati; Made Kembar Sri Budhi; Ni Putu Wiwin Setyari; I Made Endra Kartika Yudha
Journal of Corporate Finance Management and Banking System Vol. 4 No. 04 (2024): June-July 2024
Publisher : HM Journals

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55529/jcfmbs.44.65.77

Abstract

Economic development that only focuses on growth often has negative impacts, encouraging the emergence of the concept of sustainable development that balances economic, environmental, and social aspects. This concept, supported by the United Nations and various parties, is the basis for sustainable development goals until 2030, covering human, social economic, and environmental development. Sustainability, introduced in 1987, integrates environmental, social, and economic aspects or the triple bottom line in business standards and practices. The development of sustainable banking is still in its infancy, with some banks starting to adopt environmental and social policies. This research examines risk policies to support sustainable development in commercial banking through an analysis of 50 articles. The results show that economic and social efficiency, stability, and environmental contribution are important in assessing bank sustainability. Internal factors such as risk management and financial health, as well as external factors such as regulations and macroeconomic conditions are very influential.
Pelatihan Sistem Pembagian Tugas Pencatatan Keluar dan Masuk Barang di Sakura GirlShop Utami, Ni Made Satya; Sapta, I Ketut Setia; Verawati, Yenny; Sukmayanti, Nyoman Ayu Purnami
Cahaya Pengabdian Vol. 1 No. 1 (2024): Juni 2024
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/cp.v1i1.49

Abstract

One of the regional economic forces that support the Indonesian economy is the presence of business actors, Micro, Small and medium enterprises (MSMEs). One of them is the Sakura Girl shop, although many consumers visit, they face the problem of human resources who have not fully understand the distribution of tasks and recording in and out of goods that have not been realized properly due to lack of assistance in the process of checking the stock of goods. Answering these challenges using the Participation Research Action (PRA) method is to discuss with the Owner and employees, by providing assistance and training to existing human resources aimed at improving employees' knowledge, skills, and performance so that there is no social gap between employees.
Co-Authors Agus Gde Ditha Mahendra Anak Agung Istri Ngurah Marhaeni Anik Yuesti Ardianus Sila Arista Dwi Kurniawan Astakoni, I Made Purba Daniel Manek Desak Ayu Sriary Bhegawati Desak Made Sukarnasih Dewa Ayu Agung Dian Hardi Yanti Gde Bagus Brahma Putra Gede Irwandika . Gregorius Paulus Tahu I Gusti Agung Diah Pradnya Putri I Gusti Ayu Diah Yuniti I Kadek Bagas Indra Pranata I Kadek Dedy Efriyadi I Ketut Setia Sapta I Komang Yogha Aditya Purwo I Made Endra Kartika Yudha I Made Purba Astakoni I Made Purba Astakoni I Made Suryana I Nengah Sudja I Nengah Sudja I Nyoman Agus Wahyu Anggara I Nyoman Tri Sutaguna I Putu Randy Sastrawan I Wayan Mendra I Wayan Sudirman Ida Ayu Made Laras Santika Dewi Ida Ayu Mega Suryantari Ida Bagus Swaputra Joko Utomo Kadek Ary Dwipayana Luh Kadek Budi Martini Luh Putri Mas Mirayani Made Benny Yuda Asrama Made Kembar Sri Budhi Neng Ayu Agustina Wandini Ni Kadek Budi Sri Pertiwi Ni Kadek Indah Pebrianti Ni Ketut Ledy Sriutami Ni Km. Lolita Sri Widiarni Ni Komang Tri Risnawati Ni Luh Gede Putu Purnawat Ni Made Satya Utami Ni Putu Ayu Mirta Mahayani Ni Putu Chintya Pradnyandari Ni Putu Eni Prabawati Ni Putu Inten Leoni Ni Putu Mitha Lestari Dewi Ni Putu Sukanteri Ni Putu Wiwin Setyari Ni Rai Aditya Putri Ni Wayan Rustiarini Nyoman Agus Chandra Sekharendra Pande Ketut Ribek Pande Komang Suparyana Putu Novia Hapsari Ardianti Putu Wulan Francisca Sumaryanti Richadinata, Kadek Riyan Putra Sapta Rini Widyawati Sari , Ni Komang Santi Yulia Sukmayanti, Nyoman Ayu Purnami Surya Firmansyah Susilo, Dominicus Djoko Budi Tjok Istri Sri Harwathy Utami , Ni Made Satya Vindiyastara, Shella Putri Widiarni, Ni Km. Lolita Sri Widyantari , Gusti Ayu Ratih Yulistiyono, Agus