Putu Rana Janendra
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Pengaruh Dana Pihak Ketiga, Efisiensi Operasional, Dan Risiko Pembiayaan Terhadap Profitabilitas Lembaga Perkreditan Desa (LPD) Di Desa Blangsinga Kabupaten Gianyar linawati, Ni Luh Kadek; Ni Made Widani; Putu Rana Janendra
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.11591

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga (DPK), Efisiensi Operasional (yang diukur melalui rasio BOPO), dan Risiko Pembiayaan (yang diukur melalui rasio NPL) terhadap Profitabilitas Lembaga Perkreditan Desa (LPD) Desa Adat Blangsinga yang diukur dengan Return on Assets (ROA). LPD sebagai lembaga keuangan mikro adat memiliki peranan penting dalam mendorong pertumbuhan ekonomi desa melalui fungsi intermediasi keuangan. Metode penelitian yang digunakan adalah pendekatan kuantitatif asosiatif dengan analisis regresi linier berganda. Data diperoleh dari laporan keuangan LPD selama periode 2021–2024 dan dianalisis menggunakan uji asumsi klasik, uji t, uji F, serta koefisien determinasi. Hasil penelitian menunjukkan bahwa secara parsial Dana Pihak Ketiga, Efisiensi Operasional, dan Risiko Pembiayaan masing-masing berpengaruh signifikan terhadap Profitabilitas. Secara simultan, ketiga variabel independen juga berpengaruh signifikan terhadap ROA LPD. Temuan ini menegaskan pentingnya pengelolaan dana, efisiensi biaya, dan mitigasi risiko dalam meningkatkan kinerja keuangan LPD. Penelitian ini diharapkan menjadi dasar strategis bagi manajemen LPD dan pihak terkait dalam mengoptimalkan keberlanjutan lembaga keuangan berbasis komunitas adat di Bali.
PENERAPAN BLUE ECONOMY PADA PENGEMBANGAN PARIWISATA BERKELANJUTAN DI KAWASAN PESISIR BALI UTARA, SINGARAJA: PENERAPAN BLUE ECONOMY PADA PENGEMBANGAN PARIWISATA BERKELANJUTAN DI KAWASAN PESISIR BALI UTARA, SINGARAJA Wishanesta, I Kadek Donny; I Gede Putra Perdana; Putu Rana Janendra
E-Jurnal Ekonomi Pembangunan Vol. 14 No. 3 (2025): Vol. 14, No. 3, MARET 2025 (pp.187-255)
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEP.2025.v14.i03.p01

Abstract

The research is titled “The Application of the Blue economy in the Development of Sustainable Tourism in the Northern Bali Coastal Area, Singaraja.” This is a qualitative study aimed at understanding the development of Blue economy-based economic activities in the Northern Bali Coastal Area, Singaraja, as well as identifying the developments that have been carried out by the government, particularly in the fields of tourism and fisheries, and assessing the economic, social, and environmental impacts. This study employs a descriptive qualitative method, with data collection techniques including open-ended and in-depth interviews, field observations, and documentation. Data analysis involves data reduction, data presentation, and drawing conclusions/verification. The results of the study on the development of Blue economy-based economic activities in the North Bali Coastal Area, Singaraja. The economic development carried out by the government, particularly in the tourism sector, has been implemented through various activities such as the construction of a toll road (shortcut) to Singaraja, hotels and accommodations as supporting infrastructure, and the empowerment of communities and business owners. In the process of implementing these government projects, there have been impacts on the surrounding community, particularly in reducing unemployment rates, increasing community income, expanding business and employment opportunities, and promoting growth and development in other sectors. However, in terms of environmental aspects, the construction of infrastructure and projects has caused the community to feel disadvantaged due to inadequate environmental anticipation and control measures.