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All Journal JURNAL RELASI STIE MANDALA JEMBER Vidyottama Sanatana: International Journal of Hindu Science and Religious Studies GANEC SWARA Eksis: Jurnal Riset Ekonomi dan Bisnis Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Satyagraha Relasi : Jurnal Ekonomi Kriez Academy KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan) Ganec Swara
Ngurah Made Novianha Pynatih
Fakultas Ekonomi Dan Bisnis Universitas Tabanan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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HOW BANK SERVICE INNOVATION AFFECTS THE VALUE OF CUSTOMER EXPERIENCE AND DECISION TO BE LOYAL Aripin, Zaenal Aripin; Ngurah Made Novianha Pynatih; Ni Rai Artini
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 1 No. 2 (2023): JIS SIWIRABUDA September 2023
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v1i2.238

Abstract

In light of technological advancements and heightened competition in banking, institutions are adopting service innovations to retain clientele. Yet, the impact of such innovations on customer experience value and loyalty remains underexplored. This study aims to scrutinize the relationship between bank service innovation, customer experience value, and loyalty decisions. Additionally, it seeks to identify pivotal factors within service innovation that shape customer experience value and loyalty choices. Employing a literature study encompassing previous research, articles, and books on bank service innovation, customer experience, and loyalty, the research sourced reliable data to comprehensively comprehend the subject. Findings highlight the positive influence of bank service innovation on customer experience value. Greater innovation levels correlate with elevated experiential value for customers. Moreover, customer experience value significantly impacts decisions to remain loyal. Key determinants such as service reliability, user-friendliness, and interaction quality sway both customer experience value and loyalty decisions. This research adds vital insights into how bank service innovations mold customer experience value and loyalty determinations. The outcomes provide guidance for banks to implement effective service innovations, thereby enriching customer experiences and fortifying loyalty.
Collaboration Of Consumer Resources For Service Innovation In Social E-Commerce: The Effects Of Social Media Influencer Mediation Aripin, Zaenal Aripin; Pynatih, Ngurah Made Novianha; Ni Rai Artini
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 2 No. 1 (2024): JIS SIWIRABUDA Maret 2024
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v2i1.273

Abstract

The rapid growth of social e-commerce has transformed the online commerce landscape, driving significant changes in consumer behavior. Consumer resource collaboration is becoming increasingly important in this context, enabling brands to expand reach and accelerate service innovation. On the other hand, the influence of social media influencers is increasingly strengthening the role of consumers in influencing purchasing decisions and creating trends. This research aims to investigate the role of consumer resource collaboration in driving service innovation in social e-commerce, by considering the mediating effect of social media influencers. The research approach used is qualitative by analyzing data from related journals, articles and books. The research involved a survey of respondents involved in social e-commerce, as well as in-depth interviews with social media influencers involved in collaborations with brands. The research results show that consumer resource collaboration has a significant impact in expanding brand reach, increasing consumer engagement, and accelerating the adoption of innovations in social e-commerce. Social media influencer mediation has also been proven to strengthen consumer influence in influencing purchasing decisions and creating greater brand awareness.
THE EFFECT OF ASTA BRATA LEADERSHIP ON JOB SATISFACTION IN VILLAGE CREDIT INSTITUTIONS (LPD) IN TABANAN REGENCY Ngurah Made Novianha Pynatih; I Putu Gelgel; I Nengah Lestawi
Vidyottama Sanatana: International Journal of Hindu Science and Religious Studies Vol 6 No 2 (2022)
Publisher : UHN I Gusti Bagus Sugriwa Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25078/vidyottama.v6i2.1682

Abstract

Village credit institutions or known as LPDs are microfinance institutions that have a very important position in traditional villages. Village credit institutions have the authority to implement their management based on the respective traditional village pararem. Given the important position of village credit institutions in improving the welfare of local communities, village credit institutions must be improved as a financial institution. Given the number of problematic village credit institutions in Tabanan Regency caused by many mismanagement of the leadership, this study was conducted to see the influence of Asta Brata's leadership on employee satisfaction at village credit institutions (LPD) in Tabanan Regency. This study used a sample of 93 people from a total population of 1190 people. Sampling using the Proportionate Stratified Random Sampling method. The data analysis technique uses path analysis. Collecting information from respondents using a questionnaire with a Likert scale. Data from respondents is still in ordinal scale units and the data processing requirements used are path analysis, so the data must be increased to intervals using the interval successive method.The results of this study are to answer the proposed hypothesis. The results showed that the leadership of Asta Brata with subvariables Indra Brata, Yama Brata, Surya Brata, Candra Brata, Bayu Brata, Kuwera Brata, Baruna Brata and Agni Brata had a positive and significant effect on employee job satisfaction at village credit institutions in Tabanan Regency. Asta Brata with the greatest influence on job satisfaction at village credit institutions (LPD) in Tabanan Regency is Indra Brata. If you want to increase job satisfaction in village credit institutions (LPD) in Tabanan Regency, you need to improve Indra Brata's leadership first and then the others.
WILL DOING A LOT OF PROMOTIONS HELP INCREASE IMAGE AND CONSUMER APPEAL? Zaenal Aripin; Eko Aristanto; Ngurah Made Novianha Pynatih
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 1 (2023): Kisa Institute - December 2023
Publisher : PT. Kreatif Indonesia Satu

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Abstract

The rapid development in the world of marketing shows that promotion is not only a tool to increase sales, but also has a significant impact on the company's image and consumer appeal. The fundamental question arises: whether by doing a lot of promotion, companies can effectively improve their image and strengthen the appeal to consumers. This study aims to investigate whether the intensity of promotion contributes to the improvement of company image and consumer appeal. By focusing on the relationship between promotion frequency and consumer perception, this study aims to provide a deeper understanding of the effects of promotion on company image and the extent to which it affects consumer appeal. This study uses a Systematic Literature Review (SLR) approach to collect and analyze related research findings from various literature sources. Taking into account empirical research, consumer theory, and corporate case studies, the study details the impact of promotion on corporate image and consumer appeal. Analysis of the literature reveals that promotions done wisely can make a positive contribution to improving a company's image and consumer appeal. The right frequency of promotions, consistent messaging, and timeliness are key factors in shaping consumers' positive perception of the brand. However, keep in mind that excessive or irrelevant promotions can result in negative impacts, such as consumer fatigue and decreased trust.
NURTURING MARKETING RELATIONSHIPS: THE ROLE OF LOYALTY TENDENCIES BEYOND RELATIONSHIP DYNAMICS Zaenal Aripin; Ngurah Made Novianha Pynatih; Eko Aristanto
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 2 (2024): Kisa Institute - January 2024
Publisher : PT. Kreatif Indonesia Satu

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Abstract

Maintaining strong marketing relationships with customers is crucial to a company's long-term success. In an era full of intense competition, customer loyalty tendencies have an important role in influencing the dynamics of the relationship between companies and customers. However, customer loyalty tendencies are not only influenced by internal factors, but also by external factors that complicate the dynamics of marketing relationships. This research aims to investigate the role of customer loyalty tendencies beyond the dynamics of marketing relationships. We want to understand how external factors, such as changing market trends and social environmental influences, influence customer loyalty trends, as well as their impact on sustainable marketing relationships. The research method used in this research is qualitative. We conducted an in-depth review of relevant literature, including related journals, articles and books. We also analyzed case studies and previous research to gain comprehensive insight into this topic. The research results show that customer loyalty tendencies play a key role in maintaining sustainable marketing relationships. External factors such as changes in market trends, social environmental influences, and competitors' actions can influence customer loyalty tendencies. It is important for companies to adopt a responsive approach to environmental changes and continuously monitor changes in customer needs and preferences.
THE EFFECT OF INTERRUPTIONS IN CONSUMPTION ON THE PROCESS OF EMOTIONAL AND COGNITIVE ADAPTATION TO HEDONIC EXPERIENCES: A STUDY OF CONSUMER DYNAMICS Zaenal Aripin; Arif Budi Raharja; Ngurah Made Novianha Pynatih
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 4 (2024): Kisa Institute - March 2024
Publisher : PT. Kreatif Indonesia Satu

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Abstract

This research explores the influence of interruptions in consumption on the emotional and cognitive adaptation process and consumers' hedonic experiences. By involving 1300 respondents, this research analyzes various types of interruptions that may occur during the consumption experience, explores the emotional responses that arise, and identifies the level of emotional adaptation that occurs. Next, product or service characteristics, consumption situation, and timing of consumption experience are explored as contextual factors that moderate consumers' cognitive adaptation to interruptions. Results suggest that technological interruptions tend to decrease levels of emotional adaptation, while social interactions may increase them. In addition, product complexity requires a higher level of cognitive adaptation, especially in formal consumption situations. These factors were also found to moderate consumers' hedonic experiences, with matching product expectations and intuitiveness enhancing positive experiences. The conclusion states that marketing strategies and business management need to consider not only the types of interruptions that may occur but also contextual factors involving product or service characteristics and consumption situations to increase consumer satisfaction.
PENGARUH BUDAYA ORGANISASI TERHADAP KINERJA KARYAWAN DENGAN KEPUASAN SEBAGAI VARIABEL MEDIASI PADA LEMBAGA PERKREDITAN DESA DI KABUPATEN BADUNG Ni Rai Artini; Ngurah Made Novianha Pynatih; Ni Made Taman Ayuk
Jurnal Ilmiah Satyagraha Vol. 6 No. 1 (2023): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

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Abstract

The Village Credit Institution is a financial institution belonging toPakraman Village which has developed, providing social, economic and culturalbenefits to its members so that its existence needs to be fostered, improved andpreserved. The purpose of this study was to determine the direct or indirect effectof organizational culture on employee performance on job satisfaction. The location of this research was carried out at Village Credit Institutions inBadungRegency, totaling 122 LPDs. Data were collected in cross-section through a questionnaire with a Likert scale. Respondents were the employee of LPD asmany as 94 respondents. The sampling technique uses Proportionate StratifiedRandom Sampling. The data analysis method used to test the hypothesis is pathanalysis. Based on the results of the analysis it is known that: 1) organizationalculture has a direct positive and significant effect on employee performance at theLPD in Badung Regency, 2) organizational culture has a direct positive andsignificant effect on job satisfaction at the LPD in Badung Regency, 3)organizational culture has an indirect effect and significantly to the performanceof employees at LPD in Badung Regency through job satisfaction and 4) jobsatisfaction has a direct positive and significant effect on employee performanceat LPD in Badung Regency.
PENGARUH IMPLEMENTASI KONSEP TRI KAYA PARISUDHA TERHADAP KINERJA KEUANGAN LEMBAGA PERKREDITAN DESA (LPD) DI KABUPATEN BADUNG: The Influence Of The Implementation Of The Tri Kaya Parisudha Concept On The Financial Performance Of Village Credit Institutions (LPD) In Badung Regency Rai Artini; Ngurah Made Novianha Pynatih
Ganec Swara Vol. 19 No. 2 (2025): Juni 2025
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/gara.v19i2.261

Abstract

This study aims to determine the effect of Tri Kaya Parisudha (manacika, wacika, and kayika) on the financial performance of LPDs in Badung Regency. The research was conducted on LPDs in Badung Regency. The objects of this study are manacika, wacika, kayika, and the financial performance of LPDs in Badung Regency. The total sample in this study consisted of 55 respondents, selected using proportional random sampling. The data analysis technique used is Multiple Linear Regression Analysis. The results of this study indicate that all independent variables (manacika, wacika, and kayika) have a partial, positive, and significant effect on the financial performance of LPDs in Badung Regency. The simultaneous implementation of Tri Kaya Parisudha (manacika, wacika, and kayika) also has a significant effect on the financial performance of LPDs in Badung Regency
FAKTOR-FAKTOR YANG MEMPENGARUHI JUMLAH KREDIT YANG DIBERIKAN OLEH PT BPR CAHAYA ARTHABALI DI KECAMATAN MENGWI KABUPATEN BADUNG: Factors Affecting The Amount Of Credit Provided By PT BPR Cahaya ArthaBali In Mengwi District, Badung Regency Ngurah Made Novianha Pynatih; Ni Rai Artini; I Nyoman Gede Marta
Ganec Swara Vol. 19 No. 4 (2025): Desember 2025
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/gara.v19i4.475

Abstract

The purpose of this study is to determine the effect of the amount of savings, the amount of deposits, and the interest rate on the amount of credit at PT. BPR Cahaya ArthaBali in Mengwi District, Badung Regency. The type of data used in this study is quantitative data, and the data source is secondary data. The population in this study consists of reports on the amount of savings, the amount of deposits, interest rates, and the amount of credit at PT. BPR Cahaya ArthaBali. The sampling technique used is purposive sampling with criteria based on the total amount of savings, deposits, credit, and the average monthly interest rate for the period from January 2020 to December 2024. The analytical technique used is multiple linear regression. The results of the hypothesis testing show that the amount of savings and the amount of deposits partially have a positive and significant effect on the amount of credit. Meanwhile, the interest rate variable partially has a negative and significant effect on the amount of credit. Based on the F-test, the amount of savings, the amount of deposits, and the interest rate simultaneously have a significant effect on the amount of credit provided by PT. BPR Cahaya ArthaBali
ANALISIS PENGARUH DANA PIHAK KETIGA SERTA KREDIT TERHADAP KINERJA LABA PT. BPR RESTU DEWATA DI KECAMATAN KEDIRI, KABUPATEN TABANAN: An Analysis Of The Impact Of Third-Party Funds And Lending On The Profitability Of PT. BPR Restu Dewata In Kediri District, Tabanan Regency I Gusti Ayu Meta Purmina Dewi; Ngurah Made Novianha Pynatih; Ni Rai Artini
Ganec Swara Vol. 20 No. 2 (2026): Juni 2026
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/gara.v20i2.650

Abstract

This study aims to analyze the effect of savings, deposits, and credit on the profit of PT. BPR Restu Dewata in Kediri District, Tabanan Regency, both partially and simultaneously. This research is associative in nature and uses secondary quantitative data in the form of monthly reports from January 2021 to December 2025. The sample was determined using purposive sampling, and data were collected through document study. The analysis was conducted using multiple linear regression. The results show that partially, savings, deposits, and credit have a positive and significant effect on profit, and simultaneously they also have a significant effect. The R² value of 0.974 indicates that savings, deposits, and credit collectively explain 97.4% of the variation in profit, while the remaining 2.6% is influenced by other factors outside the model
Co-Authors Agus Putra Mardika Arif Budi Raharja Aripin, Zaenal Aripin Aristanto, Eko Dwika Ayu Amrita, Nyoman I Gusti Ayu Lia Yasmita I GUSTI AYU META PURMINA DEWI I Nengah Lestawi I Nyoman Gede Marta, I Nyoman Gede I Putu Dharmawan Suryagita Susila Putra I Putu Gelgel made taman ayuk Ni Luh Laksmi Rahmantari Ni Rai Artini Raharja, Arif Budi Zaenal Aripin