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All Journal Jurnal SUTASOMA JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
Kusmawan, I Made Hary
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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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.
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.
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.
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 Pratiwi, I Gusti Ayu Made Agung Mas Andriani SUARBAWA, I WAYAN Utomo, Rochmad Bayu Utomo