Garuda - Garba Rujukan Digital

Perkembangan Ekonomi Digital Terhadap Pertumbuhan Ekonomi Daerah Bali Dewa Gde Yoga Permana; I Gede Bayu Wirayudha
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 4 (2023): November : Jurnal Riset dan Inovasi Manajemen
Publisher : Universitas Katolik Widya Karya Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i4.2328

The Digital Economy Era must be utilized for the economy, especially the regional economy, it appears that regional economic development is somewhat difficult to develop because it still uses a traditional economic system. However, not all regions are willing to utilize digital payment systems for various reasons, especially business actors in traditional markets. The aim of this research is to look at the development of the digital economy on regional economic growth in the province of Bali. The method used in this research uses descriptive analysis to determine the impact and influence of digital payments on economic growth in the Bali region. Starting from looking at economic growth in Bali before using digital-based payments, and finally looking at economic growth in Bali after the digital payment system, especially in traditional markets. The results of this research show that there is an influence of digital payment systems on economic growth in the regions, with the many conveniences provided in digital payments making business actors in the regions prefer digital payment systems in transactions. The conclusion of this research is that increasing the income of local business actors who use automatic digital payment systems also increases regional income in Bali.

Implementation of financial technology in local MSME on the economic development of Bali society Permana, Dewa Gde Yoga; Wirayudha, I Gede Bayu
JURNAL ILMU MANAJEMEN Vol. 21 No. 2 (2024): DECEMBER 2024
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v21i2.79282

Along with its development, the online offering business of one of Bali's local MSMEs has become an alternative in between busy work. With the obstacles faced by several business actors, especially in villages, the convenience provided by digitalization becomes a problem. Seeing the obstacles to payment from selling offerings online, a deep understanding of a transparent financial technology system is needed to make it easier and provide confidence to the Balinese Hindu community who carry out online banten ceremony transactions. This study aims to see the influence of Digital Financial Technology in increasing the development of local MSMEs and will automatically improve the community's economy. This research method uses descriptive analysis by looking at data on the growth of digital payment technology. The study results show evidence that local MSMEs are greatly helped by digital financial technology such as QRIS, virtual accounts, and e-wallets that can be accessed via smartphone. We cannot avoid digitalization, but we must be able to surf the fast wave of digitalization. With the many conveniences provided, it is hoped that the online offering business of one of Bali's local MSMEs can develop better and benefit the economy, especially the Hindu community in Bali.

Implementation of financial technology in local MSME on the economic development of Bali society Permana, Dewa Gde Yoga; Wirayudha, I Gede Bayu
JURNAL ILMU MANAJEMEN Vol. 21 No. 2 (2024): DECEMBER 2024
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v21i2.79282

Along with its development, the online offering business of one of Bali's local MSMEs has become an alternative in between busy work. With the obstacles faced by several business actors, especially in villages, the convenience provided by digitalization becomes a problem. Seeing the obstacles to payment from selling offerings online, a deep understanding of a transparent financial technology system is needed to make it easier and provide confidence to the Balinese Hindu community who carry out online banten ceremony transactions. This study aims to see the influence of Digital Financial Technology in increasing the development of local MSMEs and will automatically improve the community's economy. This research method uses descriptive analysis by looking at data on the growth of digital payment technology. The study results show evidence that local MSMEs are greatly helped by digital financial technology such as QRIS, virtual accounts, and e-wallets that can be accessed via smartphone. We cannot avoid digitalization, but we must be able to surf the fast wave of digitalization. With the many conveniences provided, it is hoped that the online offering business of one of Bali's local MSMEs can develop better and benefit the economy, especially the Hindu community in Bali.

Empowering MSMEs in Bali through Financial Technology and Digital Payment Innovation to Enhance Global Competitiveness Permana, Dewa Gde Yoga; Wirayudha, I Gede Bayu; Putra, I Putu Dharmawan Suryagita Susila
Telaah Bisnis Vol 26, No 1 (2025): July 2025
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v26i1.585

This study aims to analyze the impact of Financial Technology (FinTech) and Digital Payment Innovation on the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Bali. This research employs a quantitative approach with Ordinary Least Squares (OLS) regression analysis to examine the relationship between FinTech usage, digital payment innovation, and MSME competitiveness. Data were collected from 100 MSME owners across various sectors in Bali, using structured questionnaires and direct interviews. Classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation, were performed to ensure the robustness of the regression model. The research results show that FinTech usage and digital payment innovation significantly and positively affect MSME competitiveness, with an R-squared value of 0.605, indicating that the two independent variables can explain 60.5% of the competitiveness variance. This implies that adopting financial technology facilitates access to financial services and enhances transaction efficiency, leading to better market reach and competitive advantage for MSMEs. However, the study is limited to MSMEs in Bali, which may restrict the generalizability of the findings to other regions. Additionally, the analysis did not include external factors such as government regulations and infrastructure limitations. Future research should expand the geographical scope and incorporate these external variables to obtain a more comprehensive understanding of FinTech's impact on MSMEs. The study suggests that stakeholders, including government and financial institutions, should encourage the adoption of digital financial services to enhance MSME competitiveness in an increasingly digital economy.

Empowering MSMEs in Bali through Financial Technology and Digital Payment Innovation to Enhance Global Competitiveness Permana, Dewa Gde Yoga; Wirayudha, I Gede Bayu; Putra, I Putu Dharmawan Suryagita Susila
Telaah Bisnis Vol. 26 No. 1 (2025): July 2025
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v26i1.585

This study aims to analyze the impact of Financial Technology (FinTech) and Digital Payment Innovation on the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Bali. This research employs a quantitative approach with Ordinary Least Squares (OLS) regression analysis to examine the relationship between FinTech usage, digital payment innovation, and MSME competitiveness. Data were collected from 100 MSME owners across various sectors in Bali, using structured questionnaires and direct interviews. Classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation, were performed to ensure the robustness of the regression model. The research results show that FinTech usage and digital payment innovation significantly and positively affect MSME competitiveness, with an R-squared value of 0.605, indicating that the two independent variables can explain 60.5% of the competitiveness variance. This implies that adopting financial technology facilitates access to financial services and enhances transaction efficiency, leading to better market reach and competitive advantage for MSMEs. However, the study is limited to MSMEs in Bali, which may restrict the generalizability of the findings to other regions. Additionally, the analysis did not include external factors such as government regulations and infrastructure limitations. Future research should expand the geographical scope and incorporate these external variables to obtain a more comprehensive understanding of FinTech's impact on MSMEs. The study suggests that stakeholders, including government and financial institutions, should encourage the adoption of digital financial services to enhance MSME competitiveness in an increasingly digital economy.

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