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All Journal JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
I Gusti Made Surya Baskara Bagiana
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Humanities Computer Science & IT Economics, Econometrics & Finance Library & Information Science Social Sciences

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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

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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.
PENGARUH DIGITAL BANKING DAN LITERASI KEUANGAN TERHADAP KEPUTUSAN MENABUNG MASYARAKAT USIA PRODUKTIF Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Bagiana, I Gusti Made Surya Baskara; I Gusti Bagus Yogi Sutanegara Bagiana
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 4 No. 1 (2026): JIS SIWIRABUDA Maret 2026
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v4i1.435

Abstract

This research sought to examine the evolution of financial behavior in the digital age, focusing on the impact of digital banking and financial literacy on the saving choices of working-age populations. The study challenge centered on the decreased propensity to save despite the rapid advancement of digital financial services. The research used a conceptual framework bolstered by an examination of pertinent empirical evidence to elucidate the correlation between factors. The findings demonstrated that digital banking facilitated accessibility, transaction efficiency, and service adaptability, which motivated consumers to improve their saving choices. Financial literacy significantly influenced the acquisition of information, awareness, and the capacity to handle personal funds judiciously and methodically. The integration of digital banking and financial literacy significantly enhanced saving choices among persons of productive age. The use of digital financial technology, along with sufficient financial awareness, facilitated more efficient and sustainable financial practices. This research provided actionable insights for financial institutions and policymakers in developing measures to improve saving behavior within the community.
Co-Authors I Gusti Bagus Yogi Sutanegara Bagiana I Komang Gde Bendesa Pratiwi, I Gusti Ayu Made Agung Mas Andriani Putra, I Komang Trisna Eka