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All Journal GANEC SWARA Jurnal SUTASOMA JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
Pratiwi, I Gusti Ayu Made Agung Mas Andriani
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Peran Latar Belakang Keluarga Terhadap Keberlangsungan Usaha dan Kesejahteraan Pengrajin Perak di Kabupaten Gianyar Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Kusmawan, I Made Hary
Jurnal SUTASOMA (Science Teknologi Sosial Humaniora) Vol 1 No 1 (2022): Desember 2022
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/sutasoma.v1i1.173

Abstract

The silver industry in Gianyar Regency is a business that has been carried out for generations, so it is not surprising that Gianyar Regency is known as a center for silver crafts. However, currently the condition of silver handicraft SMEs is in a stagnant condition and even tends to decline, especially with the Covid-19 pandemic so that it can have an impact on business continuity and the welfare of craftsmen. The purpose of this study was to examine the effect of family background on business continuity and the welfare of silver craftsmen in Gianyar Regency. The population in this study is 235 silver handicraft IKM. The research sample was determined using a purposive sampling method resulting in a total sample of 95 silver handicraft IKM. This study uses descriptive analysis techniques and quantitative analysis techniques with structural equation models or Structural Equation Modeling (SEM), especially Partial Least Square (PLS) with an analytical tool, namely SmartPLS. The results showed that (1) family background had a significant positive direct effect on the sustainability of the silver craftsmen's business in Gianyar Regency; (2) Family background and business continuity have a significant positive direct effect on the welfare of silver craftsmen in Gianyar Regency; and (3) business continuity mediating the influence of family background on the welfare of silver craftsmen in Gianyar Regency.
ANALISIS PENGARUH INVESTASI TERHADAP PENDAPATAN ASLI DAERAH DAN PERTUMBUHAN EKONOMI DI PROVINSI BALI PRATIWI, I GUSTI AYU MADE AGUNG MAS ANDRIANI
GANEC SWARA Vol 17, No 4 (2023): Desember 2023
Publisher : Universitas Mahasaraswati K. Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35327/gara.v17i4.675

Abstract

Macroeconomic problems in the long term are often associated with economic growth problems. Economic growth is an indicator of development success. The higher economic growth, usually the higher the welfare of society. Bali Province is one of the provinces in Indonesia that has experienced turbulent economic growth over the last five years, one of the reasons being the Covid-19 pandemic. Moreover, Bali Province has made the tourism sector the main sector supporting the economy in the region. This research is focused on discussing the investment picture that is linked to local revenue and economic growth in Bali Province. The objectives of this research include: 1) to determine the effect of investment on local revenue and economic growth in Bali Province; 2) to determine the effect of local revenue on economic growth in Bali Province; and 3) to determine the role of local original income in mediating the influence of investment on economic growth in Bali Province. The approach used in this research is a quantitative approach. This research uses secondary data obtained from BPS Bali Province. The data used in this research is time series data for each Regency/City in Bali Province from 2013-2022. This research uses data processing tools, namely Microsoft Excel and SPSS. The research results show that: 1) investment has a positive and significant effect on local revenue in Bali Province; 2) investment and local revenue have a positive but not significant effect on economic growth in Bali Province; and 3) local original income mediates the effect of investment on economic growth in Bali Province.
PERAN LITERASI KEUANGAN DAN INKLUSI PERBANKAN DALAM MENDORONG AKSES PEMBIAYAAN UMKM Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Kusmawan, I Made Hary; Suarbawa, I Wayan; Utomo, Rochmad Bayu Utomo
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 2 (2025): JIS SIWIRABUDA September 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jurnalilmiahsainssosialkewirausahaandankebudayaan.v3i2.404

Abstract

Access to financing remains a significant barrier for Micro, Small, and Medium Enterprises (MSMEs) in developing their businesses in Indonesia. Two crucial factors in overcoming this barrier are financial literacy and banking inclusion. This study examines the relationship between bank financing, financial literacy, and banking inclusion through a literature review approach. The findings indicate that high financial literacy enables MSME actors to understand and manage financial information more effectively, thereby increasing their confidence in applying for loans. Banking inclusion, on the other hand, provides broader access for MSME actors to utilize various formal financial services, supporting the growth and sustainability of their businesses. The synergy between financial literacy and banking inclusion creates a more inclusive ecosystem, although challenges such as stringent collateral requirements and complex loan application processes still need to be addressed. Effective collaboration among financial institutions, government, and community organizations is essential to strengthen financial literacy and banking inclusion. Financial education programs tailored to the needs of MSMEs are expected to enhance their financial knowledge and skills, making them better prepared to seize financing opportunities. Sustainable collaborative efforts among various stakeholders are key to improving access to financing for MSMEs, thereby supporting inclusive and sustainable national economic growth.
PENGARUH AKSES KREDIT PERBANKAN DAN PENGGUNAAN TEKNOLOGI FINANSIAL TERHADAP PEMBERDAYAAN EKONOMI LOKAL DI PROVINSI BALI I Gusti Made Surya Baskara Bagiana; Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Putra, I Komang Trisna Eka
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 2 (2025): JIS SIWIRABUDA September 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Local economic empowerment in Bali faces significant challenges, particularly concerning banking credit access and the utilization of financial technology (fintech). This study aims to explore the impact of these two factors on the development of Micro, Small, and Medium Enterprises (MSMEs). The methodology employed is a literature review, encompassing insights from various relevant sources such as articles, books, and online information. The findings indicate that although the distribution of People’s Business Credit (KUR) continues to rise, the dominance of the consumptive sector in credit distribution highlights the need for diversification for more sustainable growth. Fintech serves as a crucial tool in enhancing financial access for MSMEs, enabling them to apply for loans more easily and quickly. Case studies demonstrate how fintech, particularly online lending platforms, can boost the production and marketing of MSMEs. However, challenges such as gaps in digital financial literacy and consumer protection issues must be addressed. This research recommends the need for more focused policies to enhance financial literacy, simplify credit access, and strengthen regulations related to fintech. With these measures, it is anticipated that local economic empowerment in Bali can be effectively achieved, creating a more prosperous and competitive society in the digital era.
Peran Faktor Sosiodemografi Terhadap Kemiskinan Di Provinsi Bali Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Kusmawan, I Made Hary
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.v2i1.276

Abstract

The problem of poverty is still a problem faced by countries/regions in various parts of the world. Bali Province is one of them, especially since the Covid-19 pandemic hit and had a tremendous effect on the economy. As a province that relies on the tourism sector, the Covid-19 pandemic has hit the foundations of the economy so that statistical data shows that poverty in Bali Province tends to fluctuate and increase over the last three years. This research is focused on discussing the description of sociodemographic factors regarding poverty in Bali Province. The objectives of this research include knowing the total population, literacy rate, and per capita expenditure partially and simultaneously on poverty in Bali Province. The approach used in this research is a quantitative approach. This research uses secondary data obtained from BPS Bali Province. The data used in this research is time series data for each Regency/City in Bali Province from 2018-2022. This research uses data processing tools, namely Microsoft Excel and SPSS. The research results show that: 1) population size has a partial positive and significant effect on poverty in Bali Province; 2) literacy rates have a negative and partially insignificant effect on poverty in Bali Province; 3) per capita expenditure has a partially negative and significant effect on poverty in Bali Province; and 4) population, literacy rate, and per capita expenditure simultaneously have a positive and significant effect on poverty in Bali Province.
Pengaruh Suku Bunga Terhadap Inflasi dan Pertumbuhan Ekonomi Di Indonesia Pratiwi, I Gusti Ayu Made Agung Mas Andriani
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 2 No. 2 (2024): JIS SIWIRABUDA September 2024
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v2i2.327

Abstract

The Covid-19 outbreak dealt a severe blow to Indonesia's economy. The global economic conditions were similarly affected, and Indonesia was no exception. Data shows that over the past five years, inflation and Indonesia's economic development have experienced fluctuations. Monetary policy, particularly interest rates, and inflation are two elements that influence economic growth. This research combines time series data from 2019 to 2023 using secondary data from Indonesia's Central Bureau of Statistics (BPS). The study employs quantitative and descriptive analytical methods using the structural equation modeling (SEM) approach, specifically Partial Least Square (PLS). The research findings indicate that: (1) interest rates have a positive and significant effect on inflation; (2) interest rates have a positive but insignificant effect on economic growth; and (3) inflation acts as a mediator between interest rates and economic growth in Indonesia.
Peran Literasi Keuangan Bagi Ibu Rumah Tangga Dalam Meningkatkan Kesejahteraan Keluarga Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Suarbawa, I Wayan; Kusmawan, I Made Hary
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 1 (2025): JIS SIWIRABUDA Maret 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v3i1.378

Abstract

Abstract tells the basic content of writing clearly and briefly, so it can be used as guidance for the readers in determining the level of relevance towards their need in a short time. Abstract should be informative and give clear statement about the problem, approach or suggested solution, and the result that shows the solution of the problem. The abstract should 90 until 200 words longer. Abstract should be written in past tense and use nomenclature standard. It is suggested to use keywords that shows the knowledge field related to the research.
Co-Authors I Gusti Made Surya Baskara Bagiana Kusmawan, I Made Hary Putra, I Komang Trisna Eka SUARBAWA, I WAYAN Utomo, Rochmad Bayu Utomo