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All Journal Jurnal Ilmu Manajemen Bali Medika Jurnal Ilomata International Journal of Management Abdimasku : Jurnal Pengabdian Masyarakat Ilomata International Journal of Management Telaah Bisnis Jurnal Ilmu Manajemen Aktual : Jurnal Pengabdian Kepada Masyarakat UNBI Mengabdi JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
Permana, Dewa Gde Yoga
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Implementation of QRIS Digital Payments to Encourage The Development of Local MSMEs in Bali Permana, Dewa Gde Yoga; Aryowiloto, Julang
Ilomata International Journal of Management Vol. 5 No. 2 (2024): April 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i2.1149

Abstract

The presence of QRIS can be applied at various business scales, including MSMEs which are an important pillar of the Indonesian economy. The problem in this research is to determine the implementation of using QRIS as a payment method in the growth of MSMEs in Bali? This research aims to see the level of development of local MSMEs in Bali with QRIS as their digital payment. This research is quantitative descriptive. By using this method, the data collected only follows the criteria and objectives of this research for MSMEs that use the QRIS digital payment system. The results of this research analysis show that the growth of MSME data for each district in Bali has increased, as proven from the beginning of 2020 to August 2023. Seeing the increase in the number of QRIS merchants every year in the Bali Province region illustrates the positive impact it has had on the use of QRIS as a digital payment system. By using a digital-based payment system (QRIS), their merchandise turnover has increased rapidly, thereby improving the economic development of local Balinese MSMEs. Many customers are switching from cash payments to transactions using the QRIS digital payment medium, because of its convenience and security. So more and more local Balinese MSMEs are using QRIS, indicating that QRIS is improving the economy of MSMEs in Bali.
Implementation of QRIS Digital Payments to Encourage The Development of Local MSMEs in Bali Permana, Dewa Gde Yoga; Aryowiloto, Julang
Ilomata International Journal of Management Vol. 5 No. 2 (2024): April 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i2.1149

Abstract

The presence of QRIS can be applied at various business scales, including MSMEs which are an important pillar of the Indonesian economy. The problem in this research is to determine the implementation of using QRIS as a payment method in the growth of MSMEs in Bali? This research aims to see the level of development of local MSMEs in Bali with QRIS as their digital payment. This research is quantitative descriptive. By using this method, the data collected only follows the criteria and objectives of this research for MSMEs that use the QRIS digital payment system. The results of this research analysis show that the growth of MSME data for each district in Bali has increased, as proven from the beginning of 2020 to August 2023. Seeing the increase in the number of QRIS merchants every year in the Bali Province region illustrates the positive impact it has had on the use of QRIS as a digital payment system. By using a digital-based payment system (QRIS), their merchandise turnover has increased rapidly, thereby improving the economic development of local Balinese MSMEs. Many customers are switching from cash payments to transactions using the QRIS digital payment medium, because of its convenience and security. So more and more local Balinese MSMEs are using QRIS, indicating that QRIS is improving the economy of MSMEs in Bali.
Edukasi Literasi Keuangan Bagi Siswa-Siswi SMK Bali Dewata Dewi, Gita Apsari; Wulandari, Anak Agung Ayu Intan; Permana, Dewa Gde Yoga
ABDIMASKU : JURNAL PENGABDIAN MASYARAKAT Vol 7, No 2 (2024): MEI 2024
Publisher : LPPM UNIVERSITAS DIAN NUSWANTORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62411/ja.v7i2.2097

Abstract

Generasi Z cenderung lebih rentan atas pengaruh gaya hidup hedonisme yang membeli barang-barang yang bukanlah prioritas bagi mereka. Teknologi berperan penting atas penyebaran suatu informasi di berbagai sosial media dan situs internet mempengaruhi pola pikir generasi Z. Langkah untuk membentuk perilaku keuangan yang positif pada setiap individu yaitu memperoleh edukasi mengenai cara mengelola keuangan yang baik. Kegiatan pengabdian kepada masyarakat mengangkat topik mengenai kesadaran membangun literasi keuangan bagi para siswa dan siswi di SMK Bali Dewata yang dilatar belakangi masih lemahnya pemahaman tentang pengambilan keputusan keuangan, dimana literasi keuangan oleh lulusan SMA/SMK menunjukkan persentase 52,88% berdasarkan data OJK pada tahun 2022. Bentuk edukasi yang digunakan yaitu penyampaian materi mengenai literasi keuangan dan tayangan video atas pengenalan literasi keuangan, kemudian dilanjutkan dengan dibukanya sesi diskusi bagi para siswa dan siswi yang ingin mengajukan pertanyaan berkaitan dengan topik yang diberikan. Para siswa-siswi SMK Bali Dewata sebagian besar masih belum paham mengenai literasi keuangan dan belum mengaplikasikan literasi keuangan dalam kehidupan sehari-hari. Tidak banyak siswa-siswi yang aktif dalam memberikan pertanyaan dan tanggapan atas edukasi mengenai literasi keuangan ini.
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

Abstract

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

Abstract

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.
Penggunaan Aplikasi Kesehatan Halodoc di Dinas Kependudukan dan Pencatatan Sipil Kota Denpasar: Healthy application halodoc usage in department of population and civil registration denpasar city Perwira, A.A. Gde Agung Nanda; Permana, Dewa Gde Yoga; Werthi, Komang Tri
Bali Medika Jurnal Vol 9 No 3 (2022): Bali Medika Jurnal Vol 9 No 3 Desember 2022
Publisher : Stikes Wira Medika Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36376/bmj.v9i3.301

Abstract

Loyalitas adalah situasi disaat konsumen berfikir positif tentang suatu produk atau jasa yang diikuti pembelian kembali dengan pola yang konsisten. Loyalitas memiliki peran sangat penting dalam sebuah perusahaan, mempertahankan loyalitas berarti meningkatkan kinerja dari keuangan serta mempertahankan kelangsungan hidup perusahaan. Loyalitas yang dimaksud dalam konteks penelitian ini adalah loyalitas penggunaan aplikasi kesehatan Halodoc. Peneliti melakukan penelitan dengan tujuan mengetahui loyalitas penggunaan aplikasi kesehatan Halodoc di Dinas Kependudukan dan Pencatatan Sipil Kota Denpasar dengan metode pengumpulan data melalui kuesinoer yang disebar ke pegawai Dinas Kependudukan dan Pencatatan Sipil Kota Denpasar. Aplikasi Kesehatan Halodoc sangat membantu masyarakat khususnya pegawai Dinas Kependudukan dan Pencatatan Sipil Kota Denpasar dalam melakukan pencegahan dan pengobatan untuk masalah kesehatan yang dialami. Loyalitas penggunaan aplikasi kesehatan Halodoc oleh pegawai Dinas Kependudukan dan Pencatatan Sipil Kota Denpasar ini dapat dibuktikan dengan hasil penelitian yang menyatakan bahwa penggunaan aplikasi kesehatan Halodoc di Dinas Kependudukan dan Pencatatan Sipil Kota Denpasar masuk dalam kategori sangat loyal dengan kata lain karyawan sadar dengan adanya aplikasi Halodoc dan memanfaatnya secara efektif pada masa pandemi Covid – 19.   Loyalty is a situation when consumers think positively about a product or service which is followed by repurchasing with a consistent pattern. Loyalty has a very important role in a company, maintaining loyalty means improving financial performance and maintaining the viability of the company. Loyalty referred to in the context of this study is loyalty to the use of the Halodoc health application. Researchers conducted research with the aim of knowing loyalty to the use of the Halodoc health application at the Denpasar City Population and Civil Registration Service using a data collection method through questionnaires distributed to Denpasar City Population and Civil Registration Office employees. The Halodoc Health Application really helps the community, especially employees of the Denpasar City Population and Civil Registry Office in carrying out prevention and treatment of health problems they are experiencing. Loyalty in the use of the Halodoc health application by employees of the Denpasar City Population and Civil Registration Service can be proven by the results of a study which stated that the use of the Halodoc health application in the Denpasar City Population and Civil Registration Service is in the very loyal category, in other words employees are aware of the Halodoc application and use it effectively during the Covid – 19.
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

Abstract

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.
Pengaruh Kualitas Pelayanan Terhadap Keinginan Belanja Konsumen Permana, Dewa Gde Yoga; Putra, I Putu Dharmawan Suryagita Susila; Danendra, Anak Agung Ngurah Bagus
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.v2i1.279

Abstract

One of the main cornerstones of the Indonesian economy is MSMEs and have an impact on the growth of the Indonesian economy. One of the gatherings of MSME entrepreneurs is on the traditional market. In Indonesia today, there are still a lot of traditional markets, and the traditional market competes with e-commerce and modern markets like malls. In order for traditional markets to remain competitive, there needs to be a desire to buy from consumers. In this study, we investigated the influence of the quality of service provided on consumer spending desire with a quantitative method and with a sample size of as many as 50 respondents. For data analysis, use simple regression. In this study, a questionnaire is used to compile, and the Likert scale is used as a measure. This research shows that the quality of service can affect the desire to buy.
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

Abstract

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.
How to Build an Entrepreneurial Spirit from an Early Age for Senior High School Students of Gurukula Bangli Permana, Dewa Gde Yoga; Dewi, Gita Apsari; Werthi, Komang Tri; Perwira, A. A. Gde Agung Nanda; Putra, I Made Luhur Adi
Aktual: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 1 (2025): Aktual: Jurnal Pengabdian Kepada Masyarakat January 2025
Publisher : CV Media Inti Teknologi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58723/aktual.v3i1.343

Abstract

The purpose of this activity is to provide a basic understanding of the concept of entrepreneurship and business development and to inspire students to start recognizing business opportunities around them. Amidst the development of technology and globalization, the world of work is undergoing major changes. The trend of digitalization has created great opportunities for the younger generation to start businesses based on creativity and technology. High school students are at an age where creativity is developing rapidly. They have great potential to recognize opportunities around them, especially in local contexts such as the food sector, crafts, and technology-based services.  The method used in this activity began with field observations by visiting students at Gurukula Bangli Senior High School. It continued with a presentation from the lecturer on the problems faced by the students, then a discussion related to the presentation material presented. There was an increase in scores from the pre-test to the post-test of 41.79% of all Gurukula Bangli high school students who participated in community service. The assessment results show that students can understand good business opportunities that have great potential for students and are brave enough to start small steps in the business world. The author appeals that there is still a need for real action from students to see these business opportunities as an opportunity that must be utilized to achieve success.
Co-Authors Anak Agung Ayu Intan Wulandari Danendra, Anak Agung Ngurah Bagus Dewi, Gita Apsari I Gede Bayu Wirayudha I Putu Dharmawan Suryagita Susila Putra Julang Aryowiloto Komang Tri Werthi Perwira, A. A. Gde Agung Nanda Perwira, A.A. Gde Agung Nanda Putra, I Made Luhur Adi Putra, I Putu Dharmawan Suryagita Susila Swari, Dewa Ayu Agung Patni Yogi Wati, Ni Luh Sintya