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All Journal Jurnal Pendidikan Ekonomi Undiksha Ekuitas: Jurnal Pendidikan Ekonomi Edunomics Journal Journal of Accounting Research, Organization and Economics (JAROE) Ekuitas Jurnal Pnedidikan Ekonomi
Dharmayasa, I Putu Arya
Universitas Pendidikan Ganesha
Economics, Econometrics & Finance Education Social Sciences Other

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ANALISIS FAKTOR-FAKTOR YANG MENYEBABKAN KREDIT MACET PADA LEMBAGA PERKREDITAN DESA (LPD) DI KECAMATAN X M. Rudi Irwansyah; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 6 No. 1 (2018)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v6i1.14240

Abstract

Penelitian ini bertujuan untuk memperoleh temuan deskriptif mengenai kredit macet, faktor-faktor yang menyebabkan kredit macet, dan faktor yang paling dominan menyebabkan kredit macet pada LPD di Kecamatan X. Penelitian ini adalah penelitian yang menggunakan jenis atau bentuk penelitian verifikasi dengan metode survei. Pengumpulan data dalam penelitian ini dilakukan dengan metode dokumentasi, wawancara, dan kuesioner. Data dianalisis dengan analisis deskriptif dan faktor.Hasil penelitian ini menunjukkan bahwa (1) Kredit macet pada LPD di Kecamatan X mengalami kenaikan dari Tahun 2014 sampai tahun 2016 dengan rata-rata kenaikan 488,27% pada tahun 2008 dan 19,80% pada tahun 2016, (2) Faktor-faktor yang menyebabkan kredit macet pada LPD di Kecamatan X adalah faktor Intern yang terdiri dari kelemahan administrasi dan kelemahan kualitas sumber daya manusia serta faktor ekstern yaitu faktor debitur, (3) Faktor yang paling dominan menyebabkan kredit macet adalah kelemahan dalam dokumentasi kredit merupakan faktor intern yang paling dominan menyebabkan kredit macet dan kecerobohan debitur merupakan faktor ekstern yang paling dominan menyebabkan kredit macet pada LPD di Kecamatan X
Persepsi Mahasiswa Fakultas Ekonomi Universitas Pendidikan Ganesha Pada Penggunaan E-wallet Sebagai Alat Pembayaran E-commerce Josephine Tita Arquette; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 11 No. 1 (2023)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v11i1.64511

Abstract

This study aims to analyze in depth the perceptions of students of the Faculty of Economics, University of Education of Ganesha on the use of e-wallets as a means of payment for e-commerce. This type of research is descriptive quantitative with data collection methods in the form of questionnaires, but first tested for validity and reliability. The number of samples used is 348 respondents. The sampling technique used was a proportionate stratified random sampling technique and the sample decision was based on certain criteria, namely students of the Faculty of Economics, University of Education, Ganesha who used e-wallets and students who had made e-commerce payments using e-wallets. The data analysis technique used is descriptive analysis. The results of this study indicate: (1) The perception of students of the Faculty of Economics, University of Education in Ganesha on the use of e-wallets as a means of payment for e-commerce in terms of the dimensions of perceived usefulness has a score of 4,821 with the criteria of strongly agreeing (2) Perceptions of students of the Faculty of Economics, University of Education Ganesha on the use of wallets as a means of payment for e-commerce in terms of perceived ease of use dimensions has a score of 8,134 with criteria strongly agree (3) Perceptions of students of the Faculty of Economics, University of Education Ganesha on the use of wallets as a means of payment for e-commerce in terms of attitude toward dimensions using technology has a score of 2,307 with the criteria of strongly agreeing (4) Perceptions of students of the Faculty of Economics, University of Education of Ganesha on the use of wallets as a means of e-commerce payment in terms of the dimensions of behavioral intention to use has a score of 2,245 with criteria of strongly agreeing (5) Perceptions of students of the Faculty of Economics Ganesha University of Education on the use of wallets as a means of e-commerce payment in terms of the actual system usage dimension has a score of 2,231 with the criteria of agreeing.
Pengaruh Literasi Keuangan, Pergaulan Teman Sebaya, dan Life Style Terhadap Perilaku Konsumtif Siswa di SMAS Laboratorium Undiksha Singaraja A. A. Gede Putra Perbawa Dharma Yoga; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 11 No. 2 (2023)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v11i2.68801

Abstract

This research aims to determine the influence of financial literacy, peer interactions and life style on student consumptive behavior at SMAS Laboratory Undiksha Singaraja. This research has a quantitative approach, causal research type. The population of this research was students in classes X, XI and the research sample used the Proportional Random Sampling technique, namely 131 respondents. Data was collected through observations, tests and questionnaires which were analyzed through descriptive analysis and multiple linear regression using IBM SPSS Statistics version 21. The results of the research stated that: (1) Financial literacy has a negative effect on students' consumptive behavior at SMAS Laboratory Undiksha Singaraja with Tcount -0.648 < Ttable 1.9882 and Sig. 0.518 > 0.05 therefore H1 is rejected. (2) Peer interactions have a positive and significant effect on students' consumptive behavior at the Undiksha Singaraja Laboratory High School with Tcount 110.343 > Ttable 1.9882 and Sig. 0.000 < 0.05 therefore H2 is accepted. (3) Life style has a positive and significant effect on students' consumptive behavior at SMAS Laboratory Undiksha Singaraja with Tcount 2.040 > Ttable 1.9882 and Sig. 0.043 < 0.05 therefore H3 is accepted. (4) Financial literacy, peer interactions, and life style together have a significant influence on students' consumptive behavior at the Undiksha Singaraja Laboratory High School with Fcount 38.313 > Ftable 2.68 and Sig. 0.000 < 0.05 therefore H4 is accepted. The magnitude of the contribution of financial literacy, peer interactions and life style in influencing student consumptive behavior at the Undiksha Singaraja Laboratory High School is 47.5%.  
Pengaruh Bakat dan Dukungan Keluarga terhadap Motivasi Belajar Mahasiswa Penerima KIP-K Universitas Pendidikan Ganesha I Gede Agus Setiawan; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 14 No. 1 (2026)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v14i1.118738

Abstract

This study aims to determine (1) the influence of talent on the learning motivation of KIP-K recipient students at Universitas Pendidikan Ganesha, (2) the influence of family support on the learning motivation of KIP-K recipient students at Universitas Pendidikan Ganesha, and (3) the simultaneous influence of talent and family support on the learning motivation of KIP-K recipient students at Universitas Pendidikan Ganesha. The research sample consisted of 355 students selected using stratified random sampling. Data collection was conducted through the distribution of questionnaires. The data were analyzed using multiple linear regression analysis assisted by statistical data processing software. The results showed that: (1) Talent partially has a positive and significant influence on the learning motivation of KIP-K recipient students, as indicated by a t-value of 18.944 and a significance value of 0.000; (2) Family support partially has a positive and significant influence on the learning motivation of KIP-K recipient students, as indicated by a t-value of 17.591 and a significance value of 0.000; (3) Simultaneously, the variables of talent and family support have a significant influence on students' learning motivation with a significance value of 0.000. The coefficient of determination (R2) value of 0.756 indicates that the combined contribution of talent and family support variables is 75.6% toward the variation in learning motivation among KIP-K recipient students at Universitas Pendidikan Ganesha.
Pengaruh Bakat dan Dukungan Keluarga terhadap Motivasi Belajar Mahasiswa Penerima KIP-K Universitas Pendidikan Ganesha I Gede Agus Setiawan; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 14 No. 1 (2026)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v14i1.118738

Abstract

This study aims to determine (1) the influence of talent on the learning motivation of KIP-K recipient students at Universitas Pendidikan Ganesha, (2) the influence of family support on the learning motivation of KIP-K recipient students at Universitas Pendidikan Ganesha, and (3) the simultaneous influence of talent and family support on the learning motivation of KIP-K recipient students at Universitas Pendidikan Ganesha. The research sample consisted of 355 students selected using stratified random sampling. Data collection was conducted through the distribution of questionnaires. The data were analyzed using multiple linear regression analysis assisted by statistical data processing software. The results showed that: (1) Talent partially has a positive and significant influence on the learning motivation of KIP-K recipient students, as indicated by a t-value of 18.944 and a significance value of 0.000; (2) Family support partially has a positive and significant influence on the learning motivation of KIP-K recipient students, as indicated by a t-value of 17.591 and a significance value of 0.000; (3) Simultaneously, the variables of talent and family support have a significant influence on students' learning motivation with a significance value of 0.000. The coefficient of determination (R2) value of 0.756 indicates that the combined contribution of talent and family support variables is 75.6% toward the variation in learning motivation among KIP-K recipient students at Universitas Pendidikan Ganesha.
Strategi Keberlanjutan Subak di Desa Jatiluwih Kabupaten Tabanan I Gde Agus Adnya Widagda; I Putu Arya Dharmayasa
Jurnal Pendidikan Ekonomi Undiksha Vol. 17 No. 3 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v17i3.99421

Abstract

This study aims to identify (1) the factors influencing the sustainability of the Subak system in Jatiluwih Village, Tabanan Regency, and (2) the strategies that can be implemented to maintain its sustainability amidst modern challenges such as land conversion and the declining interest of younger generations in agriculture. This research employed a quantitative approach using data collection techniques including questionnaires, interviews, and documentation. The population consisted of 395 Subak Tempek members in Jatiluwih Village, with a sample of 135 respondents selected through proportional sampling. Data were analyzed using the MICMAC and SMIC-Prob Expert methods to identify key variables and formulate sustainability strategies. The results indicate that the sustainability of Subak is influenced by interconnected economic, social, and environmental factors, such as strengthening Subak institutions, policy support, utilization of environmentally friendly technology, and farmer empowerment through local product development. Effective Subak sustainability strategies involve collaboration among communities, the government, and other stakeholders to preserve this traditional irrigation system as a world cultural heritage that supports ecological balance and enhances the local economy.
Pengelolaan Dana Desa dan Kebijakan Desa Terhadap Kesejahteraan Masyarakat (Studi Pada Desa Padangbulia Kecamatan Sukasada) Luh Putu Kharisma Dewi; I Putu Arya Dharmayasa
Jurnal Pendidikan Ekonomi Undiksha Vol. 17 No. 3 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v17i3.101359

Abstract

This study aims to determine (1) the effect of village fund management on community welfare, (2) the effect of village policies on community welfare, and (3) the combined effect of village fund management and village policies on community welfare. The study population consisted of 1,258 households in Padangbulia Village. A Purposive Sampling technique was used, resulting in a sample size of 93 respondents. Data collection was conducted using a questionnaire, and the data were analysed using multiple linear regression. The hypothesis testing involved partial hypothesis testing (t-test) and simultaneous hypothesis testing (F-test), which were processed using SPSS version 25. The results of the study indicate that (1) village fund management has a positive impact on community welfare, (2) village policies have a positive impact on community welfare, and (3) both village fund management and village policies have a simultaneous impact on community welfare.
Pengaruh Tingkat Suku Bunga Kredit, Jangka Waktu Pinjaman dan Keadaan Ekonomi Terhadap Kredit Bermasalah Pada BUMDES Giri Amertha Sadhu Desa Bontihing Made Widi Adnyana; I Putu Arya Dharmayasa
Jurnal Pendidikan Ekonomi Undiksha Vol. 17 No. 3 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v17i2.102303

Abstract

The purpose of this study was to examine the effect of credit interest rates, loan terms, and economic conditions on non-performing loans at Giri Amertha Sadhu Village-Owned Enterprises (BUMDES) in Bontihing Village. The study was conducted in Bontihing Village, Kubutambahan District, involving 45 customers as respondents. The sampling technique used was simple saturated. The method used in the data collection process was a questionnaire and analyzed using multiple linear regression. The hypothesis testing process used t and F tests using SPSS 16.0 for windows. The results of the study showed that credit interest rates, loan terms, and economic conditions had a significant influence on non performing loans at Giri Amertha Sadhu Village-Owned Enterprises (BUMDES) in Bontihing Village, each contributing 30% of the credit interest rate, 22.9% of the loan term, and 45% of the economic conditions. And simultaneously influencing 31.4%.  
Pengaruh Motivasi dan Dukungan Sosial terhadap Hasil Belajar Mata Pelajaran IPS pada Peserta Didik Kelas VIII di SMP Negeri 2 Sawan Mesry Angelia Butarbutar; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 13 No. 1 (2025)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v13i1.86032

Abstract

This study aims to determine the effect of motivation and social support on learning outcomes of social studies subjects in class VIII students at SMP Negeri 2 Sawan. This type of research is causal quantitative. The sampling technique used a Likert scale instrument, the sempel in this study were VIII grade students of SMP Negeri 2 Sawan with a total sempel of 299 students. Data obtained from interviews, questionnaires, and documentation regarding learning motivation and social support as well as from document data on social studies learning outcomes of VIII grade students of SMP Negeri 2 Sawan. Data collection methods used are the results of interviews, questionnaires or questionnaires in the form of scale scores, and documentation. Based on the results of data analysis concluded that: (1) learning motivation of students in the good and very good category as much as 47.057 (2) social support of students in the good and very good category as much as 0.312% (3) Together and separately learning motivation and social support affect learning outcomes. So it can be concluded that the motivation variable (X1) has an influence on learning outcomes (Y). The positive T value indicates that the Motivation variable (X) has a significant positive effect on learning outcomes (Y), so the hypothesis in the study is accepted.
Pengaruh Motivasi dan Dukungan Sosial terhadap Hasil Belajar Mata Pelajaran IPS pada Peserta Didik Kelas VIII di SMP Negeri 2 Sawan Mesry Angelia Butarbutar; I Putu Arya Dharmayasa
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 13 No. 1 (2025)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v13i1.86032

Abstract

This study aims to determine the effect of motivation and social support on learning outcomes of social studies subjects in class VIII students at SMP Negeri 2 Sawan. This type of research is causal quantitative. The sampling technique used a Likert scale instrument, the sempel in this study were VIII grade students of SMP Negeri 2 Sawan with a total sempel of 299 students. Data obtained from interviews, questionnaires, and documentation regarding learning motivation and social support as well as from document data on social studies learning outcomes of VIII grade students of SMP Negeri 2 Sawan. Data collection methods used are the results of interviews, questionnaires or questionnaires in the form of scale scores, and documentation. Based on the results of data analysis concluded that: (1) learning motivation of students in the good and very good category as much as 47.057 (2) social support of students in the good and very good category as much as 0.312% (3) Together and separately learning motivation and social support affect learning outcomes. So it can be concluded that the motivation variable (X1) has an influence on learning outcomes (Y). The positive T value indicates that the Motivation variable (X) has a significant positive effect on learning outcomes (Y), so the hypothesis in the study is accepted.
Co-Authors A. A. Gede Putra Perbawa Dharma Yoga I Gde Agus Adnya Widagda I Gede Agus Setiawan I Kadek Rai Suwena Josephine Tita Arquette Komang Krisna Heryanda Luh Putu Kharisma Dewi Lulup Endah Tripalupi M. Rudi Irwansyah Made Widi Adnyana Mesry Angelia Butarbutar Putu Krisna Adwitya Sanjaya