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All Journal PIRAMIDA Buletin Udayana Mengabdi Jurnal Ekonomika JEJAK Journal of Indonesian Economy and Business Jurnal Ilmu Ekonomi dan Pembangunan SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JMD: Jurnal Riset Manajemen & Bisnis Dewantara Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Ekonomi Pembangunan International Journal of Applied Business and International Management International Journal of Management Research and Economics Journal of Citizenship International Journal of Economics, Commerce, and Management International Journal of Economics, Management and Accounting Digital Innovation : International Journal Of Management Epaper Bisnis: International Journal Entrepreneurship and Management JURNAL AKADEMIK EKONOMI DAN MANAJEMEN International Journal of Social and Education (INJOSEDU)
SURYA DEWI RUSTARIYUNI
Fakultas Ekonomi Dan Bisnis, Universitas Udayana
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Consumer Behavior Of E-Commerce Users Of Udayana University Students Yolivia Della Desia Purba; Ida Ayu Nyoman Saskara; Surya Dewi Rustariyuni
International Journal of Economics, Management and Accounting Vol. 1 No. 4 (2024): December : International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v1i4.279

Abstract

Consumptive behavior is the behavior of buying goods that are less necessary to fulfill personal satisfaction so that someone no longer distinguishes between needs and wants. The offers presented by e-commerce can be a risk for Udayana University students because they see it as an opportunity to tend to buy goods that may not be essential. When viewed physically, women tend to have more needs than men. So consumptive behavior must be accompanied by an understanding of the knowledge of managing money well. Financial literacy is very useful for students to avoid consumptive behavior. This study aims to see the effect of the use of e-commerce and financial literacy on the consumptive behavior of Udayana University students. The number of samples used in this study was 400 samples. The analysis techniques used were descriptive analysis techniques and Partial Least Squares (PLS) analysis. The results of this study indicate that the use of e-commerce has a positive and significant effect on the consumptive behavior of Udayana University students. This means that there is a unidirectional relationship between the variable of e-commerce use and the variable of consumptive behavior. Meanwhile, financial literacy has a negative effect on the consumptive behavior of Udayana University students. This means that there is a non-unidirectional relationship between the literacy variable and the consumer behavior variable.
Analysis of The Determinants of Poverty in East Nusa Tenggara Province Frischa Elvira Jehadut; Surya Dewi Rustariyuni
International Journal of Economics, Management and Accounting Vol. 2 No. 1 (2025): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v2i1.454

Abstract

East Nusa Tenggara Province ranks third as the poorest province in Indonesia, making poverty in NTT one of the urgent issues that requires serious attention from the government.This study aims to determine (1) the simultaneous and partial effects of wage levels, education, and unemployment on poverty in the regencies/cities of NTT Province. The data used is secondary time series data from 2019 to 2023 across 22 regencies/cities in NTT Province. The data analysis technique employs panel data regression using the Eviews 12 analysis tool. The results of the study indicate that wages, education, and unemployment simultaneously influence poverty in the regencies/cities of NTT Province during 2019–2023. Wages and education have a negative and significant partial effect, while unemployment has a positive but not significant partial effect on poverty in NTT Province.
Analysis of Factors Affecting Gross Regional Domestic Product (GRDP) in Bali Province Ni Nyoman Widiani; Surya Dewi Rustariyuni
International Journal of Economics, Management and Accounting Vol. 2 No. 2 (2025): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v2i2.634

Abstract

Bali Province is a world-renowned tourism destination that significantly contributes to the Gross Regional Domestic Product (GRDP) of the region. However, the COVID-19 pandemic led to a severe economic downturn, causing negative economic growth. This study aims to examine the simultaneous and partial effects of tourist visits, local revenue (PAD), and investment on the GRDP of Bali Province. The research utilizes secondary data from nine regencies/cities in Bali over a six-year period (2018–2023). Data analysis is conducted using panel data regression with the Eviews 12 software. The results indicate that tourist visits, PAD, and investment collectively influence the GRDP of Bali Province. Partially, tourist visits and PAD have a positive and significant impact on GRDP, while investment has a negative but insignificant effect. The findings suggest that optimizing tourism potential, improving infrastructure, maximizing the potential of each region to increase local revenue, and exploring investment opportunities beyond the tourism sector—while supporting both domestic and foreign investment are essential to boosting Bali’s GRDP.
The Influence of Capital Loans and E-Commerce Utilization on the Production and Income of MSME Actors: A Case Study of Kuta Mimba Cooperative Jyestha Bhanu Hataka; Surya Dewi Rustariyuni
International Journal of Management Research and Economics Vol. 3 No. 2 (2025): May : 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.v3i2.3452

Abstract

Cooperatives play a strategic role in driving the economic growth of their members, particularly through capital support and the utilization of digital technology. The Kuta Mimba Cooperative provides capital loans and has developed an e-commerce feature called My Merchant on the Kuta Mimba Mobile Application to support its members who are Micro, Small, and Medium Enterprises (MSME) actors. This study aims to: 1) examine the direct influence of capital loans and e-commerce utilization on MSME production; 2) examine the direct influence of capital loans and e-commerce utilization on MSME income; and 3) examine the indirect influence of capital loans and e-commerce utilization on MSME income through MSME production. This study employs a quantitative method using path analysis, direct effect testing, and the Sobel test (for indirect effects). The respondents consist of 66 cooperative members who use the My Merchant feature and have received capital loans. The results show that capital loans do not have a direct effect on MSME production, while e-commerce utilization has a positive and significant effect on MSME production. Capital loans have a positive and significant direct effect on MSME income, whereas e-commerce utilization does not have a direct effect on MSME income. Indirectly, capital loans do not influence MSME income through MSME production, while e-commerce utilization has a positive and significant indirect effect on MSME income through MSME production.
The Influence of Capital, Labor, Digital Payment, and E-Commerce on the Income of Food and Beverage SMEs in Denpasar City Kadek Yuni Ariningsih; Surya Dewi Rustariyuni
International Journal of Economics, Commerce, and Management Vol. 2 No. 3 (2025): July : International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v2i3.744

Abstract

Small and Medium Industries (SMEs) have become a crucial pillar of Indonesia's economy and have proven to be key drivers of economic resilience during times of crisis. According to data from the Department of Industry and Trade of Bali Province, the food and beverage SMEs in Denpasar City have the highest number of business units, totaling 1,002 units. However, the declining consumer interest in food and beverage SMEs has led to a decrease in their income. Capital, labor, the use of digital payment systems, and the adoption of e-commerce are expected to increase the income of food and beverage SMEs in Denpasar City. This study is a quantitative research involving a population of 1,002 food and beverage SME units. It aims to examine the effect of capital, labor, the use of digital payments, and e-commerce on the income of food and beverage SME actors in Denpasar City. The sample consists of 91 business units selected using a non-probability sampling method with a purposive sampling technique. The data were analyzed using multiple linear regression analysis. The findings indicate that capital, labor, the use of digital payment systems, and e-commerce have a simultaneous and significant effect on the income of food and beverage SME actors in Denpasar City. Furthermore, each variable capital, labor, digital payment usage, and e-commerce individually has a positive effect on income. The implication of this research is that increasing capital, adding labor, and promoting the use of digital payment systems and e-commerce can enhance the income of food and beverage SMEs in Denpasar City.
The Influence of Product Quality, Income, and Price on The Purchase Intention of Electric Vehicles in Denpasar City Putu Risma Yuliana; Surya Dewi Rustariyuni
International Journal of Economics, Management and Accounting Vol. 2 No. 4 (2025): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v2i4.826

Abstract

Global warming triggers various environmental issues such as rising sea levels and extreme weather pattern changes. Fuel-powered vehicles are considered the main contributors to global warming and air pollution. The government’s commitment to sustainable development is evident through the promotion of electric vehicles and the development of charging station infrastructure as regulated by Presidential Regulation (Perpres) Number 55 of 2019. This study aims to examine the simultaneous and partial effects of product quality, income, and price variables on the purchase intention of electric vehicles in Denpasar City. The sample determination used a non-probability sampling technique with purposive sampling method involving 100 respondents. Data collected were analyzed using multiple linear regression analysis. The results indicate that product quality has a positive and significant effect on purchase intention, income has a positive and significant effect on purchase intention, and price has a negative and significant effect on purchase intention.
Factors Affecting Traditional Culinary MSMEs in Denpasar City: A Case Study Of Ayam Betutu Ni Kadek Gita Mahardani; Surya Dewi Rustariyuni
International Journal of Economics, Management and Accounting Vol. 2 No. 4 (2025): International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v2i4.862

Abstract

MSMEs (Micro, Small, and Medium Enterprises) are one of the main drivers of Indonesia’s economy. However, many MSMEs still face limited access to financing. One traditional Balinese culinary product that attracts tourists is ayam betutu, which represents the MSME sector. This study aims to analyze the influence of own capital, business duration, working hours, and e-commerce on the income of ayam betutu culinary MSMEs in Denpasar City, both simultaneously and partially. This research employs a quantitative method using multiple linear regression analysis. The sample was determined using purposive sampling, with criteria including MSMEs engaged in traditional culinary businesses with ayam betutu as their main product and those that utilize e-commerce in their business operations. A total of 70 ayam betutu culinary MSME actors in Denpasar City were included. The findings reveal that, simultaneously, own capital, business duration, working hours, and e-commerce have a significant effect on MSME income. Partially, own capital, business duration, and e-commerce have a positive and significant effect on income, whereas working hours do not have a significant partial effect. The implication of this study is that MSME actors need to improve their capacity in capital management, maintain business continuity, and optimize e-commerce utilization to increase income. The government is expected to support MSMEs through financial and digital literacy training, institutional strengthening, and the facilitation of mentoring programs and sustainable access to financing.
Analysis of The Effect of Qris Usage, E-Commerce, and Capital on MSMEs Income in Tabanan Regency Gusti Ayu Leela Laksmi Devana; Surya Dewi Rustariyuni
ePaper Bisnis : International Journal of Entrepreneurship and Management Vol. 2 No. 1 (2025): ePaper Bisnis : International Journal of Entrepreneurship and Management
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/epaperbisnis.v2i1.445

Abstract

The rapid growth of Micro, Small, and Medium Enterprises (MSMEs) in Tabanan Regency has been driven by economic development, digitalization, and changes in consumer behavior following the COVID-19 pandemic. Despite the continuous increase in the number of MSMEs each year, business owners face significant challenges, such as limited adoption of digital technologies, increasing market competition, and restricted access to working capital. This study aims to analyze the effect of QRIS usage, e-commerce, and capital on MSME income both simultaneously and partially in Tabanan Regency. A quantitative method was employed using multiple linear regression analysis. The sample was determined using a non-probability sampling method with an accidental sampling approach. The results show that QRIS, e-commerce, and capital simultaneously have a significant effect on MSME income in Tabanan Regency. Partially, QRIS usage and capital have a positive and significant effect on income, while e-commerce does not have a significant partial effect. This indicates that although e-commerce can expand market reach, intense competition and limited technological literacy among the local population hinder its impact on MSME income in the region.
The Influence of Labor, Market Orientation, and Financial Literacy on the Performance of MSMEs Ni Kadek Sintia Wati; Surya Dewi Rustariyuni
ePaper Bisnis : International Journal of Entrepreneurship and Management Vol. 2 No. 1 (2025): ePaper Bisnis : International Journal of Entrepreneurship and Management
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/epaperbisnis.v2i1.461

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital and fundamental role in driving Indonesia’s economy. Despite their importance, MSMEs continue to face various obstacles and challenges that negatively impact their performance. This study aims to examine the simultaneous and partial effects of labor, market orientation, and financial literacy on the performance of MSMEs. The sampling technique used was purposive sampling, and the data were analyzed using multiple linear regression. The sample consisted of 125 MSME actors. The results indicate that labor, market orientation, and financial literacy simultaneously influence the performance of MSMEs in Denpasar City. Furthermore, labor, market orientation, and financial literacy each have a positive and significant partial effect on MSME performance. The implication of this research is that improvements in labor quality, market orientation, and financial literacy can enhance the performance of MSMEs in Denpasar City.
Pengaruh Literasi Keuangan dan Financial Technology Terhadap Inklusi Keuangan Masyarakat Desa Beraban, Kecamatan Kediri. Ni Putu Shita Dewi Maharani; Surya Dewi Rustariyuni
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 3 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i3.5909

Abstract

The national financial literacy index in 2025 is recorded at 66.64 percent, while the financial inclusion index reaches 92.74 percent, indicating a gap between the public’s level of understanding and the use of financial products. This study aims to analyze the influence of financial literacy and financial technology on the financial inclusion of the Beraban Village community. This research employs a quantitative method with an associative approach. Data were collected through questionnaires distributed to 100 respondents and analyzed using descriptive statistical analysis and multiple linear regression analysis. The results show that financial literacy and financial technology have a significant effect on financial inclusion, both simultaneously and partially. These findings are expected to serve as a basis for the development of the digital village concept in other areas so that the utilization of financial technology and improvements in financial literacy can support the enhancement of financial inclusion in local communities.
Co-Authors Agustika I Gede Anak Agung Bagus Surya Okto Pinandra Putra, Anak Agung Bagus Surya Okto Anak Agung Istri Ngurah Marhaeni Anak Agung Ketut Ayuningsasi Christina Hani Putri Damayanti, Elfira Nur Dayuh Rimbawan I Nyoman Dewa Ayu Cintya Nandiswari Dias Satria Frischa Elvira Jehadut Gek Ayu Nina Gek Ayu Nina Gusti Ayu Leela Laksmi Devana I Gede Oggy Pratama Putra, I Gede Oggy Pratama I Gusti Ayu Ika Permatasari, I Gusti Ayu I Gusti Wayan Murjana Yasa I Ketut Sudibia I Putu Adi Pariartha I Putu, Eka Arimbawa I.K. Sudibia Ida Ayu Nyoman Saskara Ida Ayu Sukma Dewi IGAP Wirathi Jayanthi, Ni Kadek Eka Jyestha Bhanu Hataka Kadek Nia Paramita Dewi Kadek Yuni Ariningsih Luh Dita Darmayanti Luh Putu Aswitari M Pudjiharjo M. Umar Burhan Made Ary Mayuni, Made Ary Made Gita Saraswati Made Kembar Sri Budhi Made Santana Putra Adiyadnya Nanda, P.G. Khrisna Nashahta Ardhiaty Nurfiat Ni Kadek Gita Mahardani Ni Kadek Sintia Wati Ni Nyoman Sri Budiantari Ni Nyoman Widiani Ni Nyoman Yuliarmi Ni Putu Dewi Utami Ni Putu Martini Dewi Ni Putu Shita Dewi Maharani Ni Putu Wiwin Setyari Nina, Gek Ayu Nopiani, Sang Ayu Kadek P.M. Dewi Pradnyadewi T, Diah Primajana, Dewa Jati Puspita, Ni Putu Priska Hendra Putu Andhika Mahendra Putu Ari Kusumadewi Putu Risma Yuliana Putu Widi Suryawan Ratha Rikho Zaeroni, Rikho Taranitha Putri Wilanda Wijaya, Gede Crisna Wila Delvia Yolivia Della Desia Purba