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All Journal Krisna: Kumpulan Riset Akuntansi Journal Research of Management Oikonomia : Journal of Management Economics and Accounting Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Ekonomi dan Keuangan Economics and Business Management Journal
Adisti Maharani Krisna
Akademi Keuangan dan Perbankan Denpasar
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health Social Sciences

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Analisis Kualitas Layanan Berbasis Servqual Dan Pengaruhnya Terhadap Kepercayaan Serta Kepuasan Nasabah: Studi Pada Ksp. Pondok Arta Sejahtera Ni Putu Kusuma Widanti; Adisti Maharani Krisna; Ni Kadek Pajar Kusumawati; Ida Ayu Agung Paramitaswari; Ni Wayan Septiawini
Journal Research of Management Vol. 7 No. 1 (2025): Desember
Publisher : Universitas Triatma Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51713/jarma.2025.7175

Abstract

This study aims to analyze the influence of service quality and trust on customer satisfaction at Koperasi Simpan Pinjam (KSP) Pondok Arta Sejahtera, a member-based financial institution that plays an important role in promoting financial inclusion. Despite the social closeness among its members, KSP faces several challenges, including inconsistent service performance, suboptimal communication, and limited digitalization. This research is grounded in the SERVQUAL theory, which consists of five key dimensions of service quality: tangibles, reliability, responsiveness, assurance, and empathy. In addition, trust is understood as a fundamental factor for establishing long-term relationships between financial institutions and their customers. This study employs a descriptive quantitative method with a population of 575 customers. A sample of 86 respondents was obtained using a simple random sampling technique. Data were analyzed using multiple linear regression. The findings show that both service quality and trust have a positive and significant effect on customer satisfaction. The adjusted R² value of 0.620 indicates that the two variables explain 62% of the variation in customer satisfaction. However, the beta coefficients of the two variables suggest that their influence remains relatively weak. This implies that service quality and trust are already perceived as basic expectations by customers, so improvements in these areas do not substantially increase satisfaction levels. This study provides empirical contributions that have been relatively underexplored compared to the banking sector. Practically, KSP management needs to strengthen service innovation, improve communication quality, and consider additional variables such as customer value and service experience to enhance customer satisfaction.
E-Commerce and Digital Economy: An Analysis of Changing Consumption Patterns and Their Impact on Economic Growth Adisti Maharani Krisna
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 3 (2025): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i3.359

Abstract

This research aims to comprehensively examine the influence of e-commerce development on Indonesia's economic growth through a literature study method that explores various relevant and up-to-date primary and secondary sources. This study aims to comprehensively examine the influence of e-commerce development on Indonesia's economic growth through a literature study method that explores various primary and secondary sources that are relevant and up-to-date. The development of information and communication technology (ICT) and increased internet penetration are fundamental factors driving the acceleration of digitization and overall economic growth. A number of significant obstacles remain a major challenge, such as the digital divide that still exists between urban and rural areas, the low level of digital literacy of the community, regulations that are not fully adaptive to the dynamics of technological development and digital business. Optimizing the potential of e-commerce in a sustainable manner and making a significant contribution to national economic growth, as well as encouraging equitable distribution of public welfare in the era of the digital economy. The results show that increased digital consumption and e-commerce transactions have a positive relationship with economic growth. This change in consumption patterns not only increases the efficiency of the distribution of goods and services, but also encourages the growth of the information technology sector, the creative economy, and the creation of new jobsThis research contributes to the development of an inclusive and sustainable digital economy strategy.
Pelatihan Penyusunan Laporan Keuangan SAK EP bagi UMKM Kusuma Bali Mandiri Karangasem Adisti Maharani Krisna; Ni Putu Kusuma Widanti; Ni Wayan Septia Wini; Ida Ayu Agung Paramitaswari; Ni Kadek Pajar Kusumawati
Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 2 (2026): Edisi: Februari-April
Publisher : Pustaka Bangsa Indonesia

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Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian daerah, termasuk di Kabupaten Karangasem, Bali. Namun, sebagian pelaku UMKM masih menghadapi kendala dalam penyusunan laporan keuangan yang sesuai dengan Standar Akuntansi Keuangan Entitas Tanpa Akuntabilitas Publik (SAK EP). UD. Kusuma Bali Mandiri Cabang Karangasem merupakan salah satu UMKM yang masih melakukan pencatatan transaksi secara manual, sehingga kualitas informasi keuangan belum optimal. Menanggapi permasalahan tersebut, tim dosen Akademi Keuangan dan Perbankan (AKABA) Denpasar melaksanakan kegiatan pengabdian kepada masyarakat melalui pelatihan penyusunan laporan keuangan berbasis SAK EP. Metode yang digunakan meliputi ceramah, tutorial praktik menggunakan spreadsheet, serta diskusi interaktif. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan keterampilan peserta dalam menyusun laporan keuangan yang sistematis dan sesuai standar. Kegiatan ini diharapkan mampu mendorong penerapan tata kelola keuangan yang lebih profesional dan berkelanjutan pada UMKM.
A Critical Review Of The Effectiveness Of Economic Policies During The Pandemic In Developing Countries Apriyasni Melati; Sri Umiatun Andayani; Adisti Maharani Krisna; Ni Wayan Septia Wini; Faty Rahmarisa
Economics And Business Management Journal ( EBMJ ) Vol. 2 No. 02 (2025): Economics And Business Management Journal (EBMJ)
Publisher : Rey Media Grafika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66084/ebmj.v2i02.469

Abstract

This study examines the effectiveness of economic policies in addressing global economic challenges and their impact on various sectors, including SMEs and the informal sector. The primary focus is on analyzing how fiscal and monetary policies can mitigate economic instability and enhance public welfare. The study also explores the role of digital technology in supporting transparency and efficiency in economic policymaking. The research employs both qualitative and quantitative approaches, utilizing secondary data analysis from reliable sources. The findings indicate that strong coordination between central and local governments, along with responsive and inclusive economic policies, can enhance the effectiveness of economic strategies. This research is expected to serve as a foundation for more adaptive economic policies in the future.
Price and Product Quality Effects on Purchases at UD. Kusuma Bali Mandiri Adisti Maharani Krisna; Ni Wayan Septia Wini
Jurnal Ilmiah Ekonomi dan Keuangan Vol. 1 No. 2 (2026): Edisi: Februari-April
Publisher : Pustaka Bangsa Indonesia

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Abstract

This study examines the influence of price and product quality on purchasing decisions for furniture products at UD. Kusuma Bali Mandiri, a growing local enterprise in Bali’s competitive furniture industry. It addresses declining purchasing decisions, varying perceptions of price fairness, and inconsistencies in perceived product quality. This quantitative associative study used primary data from structured questionnaires distributed to consumers who purchased furniture within the last year. Data were analyzed using multiple linear regression, supported by validity, reliability, classical assumption, and hypothesis tests through t-test and F-test. The findings reveal that price and product quality positively and significantly affect purchasing decisions, both partially and simultaneously. Product quality has a stronger influence because consumers emphasize durability, design, and finishing. The study implies businesses must maintain competitive pricing and consistent product quality to strengthen purchasing decisions and market competitiveness while supporting long-term customer satisfaction, loyalty, trust, and sustainable business growth in Bali overall.
The PENGARUH MEKANISME KOMITE AUDIT TERHADAP INCOME SMOOTHING Adisti Maharani Krisna
KRISNA: Kumpulan Riset Akuntansi Vol. 15 No. 1 (2023): KRISNA: Kumpulan Riset Akuntansi
Publisher : Faculty of Economics and Business, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/kr.15.1.2023.163-178

Abstract

This study aims to determine how the influence of the audit committee mechanism on income smoothing, where the audit committee mechanism is divided into four, namely the size of the audit committee, the independence of the audit committee, the expertise of the audit committee, and the number of audit committee meetings. Later this research is expected to provide input to companies to publish quality financial reports. The sample of this study uses LQ45 companies with a total of 114 observed companies. The results showed that the size and independence of the audit committee had a negative effect on income smoothing, while the expertise and number of audit committee meetings had not had a significant effect.
Co-Authors Apriyasni Melati FATY RAHMARISA Ida Ayu Agung Paramitaswari Ni Kadek Pajar Kusumawati Ni Putu Kusuma Widanti Ni Wayan Septia Wini Ni Wayan Septiawini Sri Umiatun Andayani