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All Journal Jumat Ekonomi: Jurnal Pengabdian Masyarakat Mejuajua Journal Research of Management Jurnal Pengabdian Kepada Masyarakat
Ida Ayu Agung Paramitaswari
Akademi Keuangan dan Perbankan Denpasar
Humanities Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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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.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.
Pelatihan Penyusunan Laporan Keuangan Berbasis SAK EP Bagi Pelaku UMKM UD. Kusuma Bali Mandiri Cabang Karangasem Adisti Krisna; Ni Putu Kusuma Widanti; Ni Wayan Septia Wini; Ida Ayu Agung Paramitaswari; Ni Kadek Pajar Kusumawati
Jumat Ekonomi: Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2025): Desember
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasekon.v6i3.6484

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in the national economy, including in Karangasem Regency, Bali. One active business player in this region is UD. Kusuma Bali Mandiri, Karangasem Branch, which is facing challenges in preparing financial reports in accordance with the Financial Accounting Standards for Entities Without Public Accountability (SAK EP). The manual recording of transactions results in low-quality financial information, hampering decision-making, access to financing, and business performance evaluation. In response, a team of lecturers from the Denpasar Academy of Finance and Banking (AKABA) conducted community service activities in the form of training on preparing financial reports based on SAK EP. This activity aims to improve the understanding and skills of MSMEs in preparing accurate, systematic financial reports in accordance with accounting standards. The implementation method included lectures, practical tutorials using spreadsheet software, and interactive discussion sessions oriented to partner needs. The results of the activity showed a significant increase in participants' ability to understand basic accounting concepts and the application of SAK EP in financial recording. Through this training, it is hoped that MSMEs will be able to implement more professional and transparent financial governance and support business sustainability. This program also serves as a tangible form of higher education's contribution to community empowerment and improving financial literacy in the region.
PERAN SERVANT LEADERSHIP  DAN  EMPLOYEE ENGAGEMENT DALAM MENINGKATKAN KINERJA INOVASI PADA UKM KRIYA DI PROVINSI BALI Ni Putu Kusuma Widanti; Ida Ayu Agung Paramitaswari; Ni Kadek Pajar Kusumawati; Adisti Maharani Krisna; Ni Wayan Septiawini
Journal Research of Management Vol. 7 No. 2 (2026): Juni
Publisher : Universitas Triatma Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51713/jarma.2026.7294

Abstract

Innovation performance is a critical factor in enhancing business competitiveness and long-term sustainability, particularly for craft Small and Medium Enterprises (SMEs) operating in an increasingly dynamic business environment. This study aimed to examine the effects of servant leadership and employee engagement on innovation performance among craft SMEs in Bali Province, Indonesia. A quantitative research design was employed using a survey of 86 craft SMEs selected through simple random sampling. The collected data were analyzed using multiple linear regression analysis. The findings revealed that servant leadership had a positive and significant effect on innovation performance. Likewise, employee engagement exerted a positive and significant influence on innovation performance. The model produced an Adjusted R² of 0.620, indicating that servant leadership and employee engagement explained 62% of the variance in innovation performance, while the remaining 38% was explained by other factors outside the proposed model. These findings support Social Exchange Theory, suggesting that leaders who prioritize serving, empowering, and supporting employees foster reciprocal relationships that strengthen employee engagement and ultimately enhance innovation performance. The study provides practical implications for craft SME owners by emphasizing the importance of implementing servant leadership practices and fostering employee engagement to improve innovation performance and sustain business competitiveness.
Transformasi Digital UMKM Souvenir Lokal Melalui Implementasi QRIS dan Efisiensi Operasional Adisti Maharani Krisna; Ni Putu Kusuma Widanti; Ni Wayan Septia Wini; Ida Ayu Agung Paramitaswari; Ni Kadek Pajar Kusumawati
Mejuajua: Jurnal Pengabdian pada Masyarakat Vol. 6 No. 1 (2026): Agustus 2026
Publisher : Yayasan Penelitian dan Inovasi Sumatera (YPIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52622/mejuajuaj.abdimas.v6i1.400

Abstract

Local micro, small, and medium enterprises often face limited digital payment use, manual transaction records, and uneven operational efficiency. This community service program aimed to improve the initial digital capacity of Pondok Bali Souvenir through a QRIS workshop and operational efficiency optimization. The program involved 10 participants consisting of the owner and employees who handled sales, customer service, and transaction recording. The method combined education, digital payment simulation, transaction-security discussion, action-plan development, and evaluation using a one-group pre-test and post-test design. The instruments measured six indicators related to digital transformation, Quick Response Code Indonesian Standard, mobile banking, payment gateway, operational efficiency, and action-plan preparation. The average score increased from 58.4 to 86.7, showing a 48.5% improvement. The workshop also produced practical implementation plans, indicating stronger readiness to adopt digital payment gradually.
Co-Authors Adisti Krisna Adisti Maharani Krisna Adisti Maharani Krisna Ni Kadek Pajar Kusumawati Ni Putu Kusuma Widanti Ni Wayan Septia Wini Ni Wayan Septiawini