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All Journal Jurnal Keuangan dan Perbankan Proceeding SENDI_U Daya Saing : Jurnal Ilmu Manajemen Jurnal Pendidikan Ekonomi (JURKAMI) International Journal of Social Science and Business Jurnal Akuntansi Kompetif Management Studies and Entrepreneurship Journal (MSEJ) ARSY : Jurnal Aplikasi Riset kepada Masyarakat Jurnal Artha Satya Dharma ACADEMIA: Jurnal Inovasi Riset Akademik Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan International Journal of Application on Economics and Business Journal of Media, Sciences and Education
Nuryani, Ni Nyoman Juli
SEKOLAH TINGGI ILMU EKONOMI SATYA DHARMA
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGARUH PENGGUNAAN FINANCIAL TECHNOLOGY LITERASI KEUANGAN DAN SIKAP KEUANGAN TERHADAP PENGELOLAAN KEUANGAN UMKM NI NYOMAN JULI NURYANI; NI PUTU SONIA MELLYA UTAMI; MERTYANI SARI DEWI
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 3 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i3.5032

Abstract

Small, medium, and micro businesses are among the most pursued businesses by some people because they have the potential to meet their living needs. Additionally, micro, small, and medium-sized businesses play a significant part increating jobs, helping to increase people's income through various economic activities ranging from trade to the creative industry. Behind the high interest in doing this business, there are still business actors who experience obstacles in managing their businesses where this is closely related to business financial management. The purpose of this study was to determine whether monetary technology, financial literacy and financial attitudes affect the financial management of Micro, Small and Medium Enterprises in Buleleng District. All of the participants in this study were micro, small, and medium-sized businesses in Buleleng District using 99 samples taken use the Slovin. The method a questionnaire was utilized to gather data for this investigation. Which was evaluated on a Likert scale from 1 to 5. This study use a SEM PLS data analysis technique version 4.0
Strategi peningkatan penghasilan petani lokal buah mangga brazilia di banjar dinas sanih kecamatan kubutambahan Ni Nyoman Juli Nuryani; Apriliani, Ni Komang Trisna
Jurnal Pengetahuan dan Pendidikan Vol 5 No 2 (2026)
Publisher : Yayasan Baru Haji Samsudin

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Abstract

Marketing strategy plays a crucial role in enhancing the competitiveness and added value of horticultural commodities, including Brazilia mangoes. Despite their superior product quality, local farmers in Banjar Dinas Sanih, Kubutambahan District, continue to face various marketing challenges that contribute to price fluctuations and unstable incomes. This study aims to analyze the marketing strategy of Brazilia mangoes based on the marketing mix framework, encompassing product, price, place, and promotion, as well as to identify the marketing constraints encountered by local farmers. A qualitative approach employing a case study design was adopted. Informants were selected using purposive sampling, while data were collected through in-depth interviews, direct observation, and documentation. Data were systematically analyzed through data selection and organization, descriptive presentation of the findings, and interpretation to derive meaningful conclusions. The credibility of the findings was enhanced through source triangulation to verify the consistency of information obtained from different informants. The results indicate that product quality constitutes the primary competitive advantage of Brazilia mangoes, as they are characterized by large fruit size, thick flesh, a sweet taste, a distinctive aroma, and relatively good shelf life, all of which contribute to strong consumer appeal. However, pricing strategies remain largely dependent on market mechanisms, distribution channels continue to rely predominantly on collectors and traditional markets, and promotional activities have not yet fully utilized digital media. In addition, farmers face several challenges, including price fluctuations, changing weather conditions, high production and maintenance costs, and limited marketing networks. The study concludes that the implementation of the marketing mix has supported the marketing of Brazilia mangoes; however, further improvements are needed through product innovation, expansion of distribution networks, and optimization of digital promotion strategies to enhance competitiveness and ensure the sustainability of local farming enterprises.
PENGARUH BUDAYA ORGANISASI, LINGKUNGAN KERJA, DAN INSENTIF TERHADAP KEPUASAN KERJA KARYAWAN PADA KOPERASI SIMPAN PINJAM Kadek Eva Fitriani; Ni Nyoman Juli Nuryani; I Ketut Sudarnaya
ACADEMIA: Jurnal Inovasi Riset Akademik Vol. 6 No. 4 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/academia.v6i4.12998

Abstract

Employee job satisfaction is crucial for the sustainability of microfinance institutions in facing competition, which is highly dependent on the effectiveness of human resource management. Based on this consideration, this study was conducted to analyze the influence of organizational culture, work environment, and incentives on employee job satisfaction levels at the Manik Sedana Artha Savings and Loan Cooperative (KSP), Singaraja. This study was designed using a quantitative approach involving all 65 active cooperative staff as the population. Given the limited number, a census technique or saturated sampling was applied to ensure that all members of the population could be respondents. Primary data were collected through the distribution of structured questionnaires, then tested using multiple linear regression analysis with the help of SPSS software. Based on the partial test results, it was found that organizational culture had a positive and significant contribution of 7.91% to job satisfaction. The work environment was also proven to have a positive and significant impact with a contribution of 12.63%. Among all variables, financial incentives were the most dominant factor with a significant positive influence reaching 18.99%. When viewed together (simultaneously), these three independent variables have a significant influence with a coefficient of determination (R2) of 39.5%, while the remaining 60.5% is influenced by other factors outside this research model. This study concludes that strategic efforts to improve cooperative employee job satisfaction are highly dependent on fair incentive policies and the creation of a supportive work environment. ABSTRAK Kepuasan kerja karyawan menjadi kunci krusial bagi keberlangsungan institusi keuangan mikro dalam menghadapi persaingan, yang mana hal ini sangat bergantung pada efektivitas pengelolaan sumber daya manusianya. Berangkat dari pemikiran tersebut, penelitian ini dilakukan untuk menganalisis bagaimana pengaruh budaya organisasi, lingkungan kerja, dan pemberian insentif terhadap tingkat kepuasan kerja karyawan di Koperasi Simpan Pinjam (KSP) Manik Sedana Artha, Singaraja. Studi ini dirancang menggunakan pendekatan kuantitatif dengan melibatkan seluruh staf aktif koperasi yang berjumlah 65 orang sebagai populasi. Mengingat jumlahnya yang terbatas, teknik sensus atau sampel jenuh diterapkan agar seluruh anggota populasi dapat dijadikan responden. Data primer dihimpun melalui penyebaran kuesioner terstruktur, kemudian diuji menggunakan metode analisis regresi linear berganda dengan bantuan software SPSS. Berdasarkan hasil pengujian secara parsial, ditemukan bahwa budaya organisasi memberikan kontribusi positif dan signifikan sebesar 7,91% terhadap kepuasan kerja. Kondisi lingkungan kerja juga terbukti membawa dampak positif dan signifikan dengan sumbangsih pengaruh sebesar 12,63%. Di antara semua variabel, insentif finansial menjadi faktor yang paling dominan dengan pengaruh positif signifikan mencapai 18,99%. Jika dilihat secara bersama-sama (simultan), ketiga variabel independen ini memiliki pengaruh yang signifikan dengan nilai koefisien determinasi (R2) sebesar 39,5%, sementara 60,5% sisanya dipengaruhi oleh faktor-faktor lain di luar model penelitian ini. Penelitian ini menyimpulkan bahwa upaya strategis untuk meningkatkan kepuasan kerja karyawan koperasi sangat bergantung pada kebijakan insentif yang adil serta penciptaan suasana kerja yang mendukung.
Co-Authors Anak Agung Ngurah Oka Suryadinatha Gorda Apriliani, Ni Komang Trisna Dewa Putu Rida Satrawan Erik Trisnawati, Ni Luh De Ery Sulistyorini Gorda, A. A. N. Oka Suryadinatha Gorda, A. A.N. Oka Suryadinatha Gusti Ayu Melyasani I Ketut Sudarnaya I Putu Agus Adnyana Kadek Eva Fitriani Kadek Wina Nariani Ketut Sepsi Kastiani Komang Evita Pusparini Dewi Kusuma, I Komang Budi Luh Kadek Budi Martini Luh Putu Triana Dewi Mertyani Sari Dewi ., Mertyani Sari Dewi NI PUTU SONIA MELLYA UTAMI Satrawan, Dewa Putu Rida Septiari, Ketut Fransiska Trisna Ayu Absari, Ni Kadek Wandira, Ketut Ayu Widia Wati, Kadek Diah Yanti, Komang Fryday