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Jurnal Bisnis dan Kewirausahaan
Published by Politeknik Negeri Bali
ISSN : 02169843     EISSN : 25805614     DOI : 10.31940/jbk
Core Subject : Economy,
Economics, Econometrics & Finance
Topics covered include: Government policy on entrepreneurship Entrepreneurship in ethnic enclaves Self-employment among immigrants Entrepreneurship among minority groups Indigenous entrepreneurship Gender and entrepreneurship Entrepreneurship in developing and transitional countries Entrepreneurship and ethics Corporate intrapreneurship Entrepreneurial marketing, leadership and management Knowledge entrepreneurship, entrepreneurial learning organisations Social entrepreneurship, family entrepreneurship Sustainable entrepreneurship, parallel entrepreneurship e-Entrepreneurship, part-time entrepreneurship, home-based entrepreneurship Entrepreneurship education
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 110 Documents
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Pendekatan Kualitatif Pengendalian Risiko Operasional pada Sistem Pembayaran Digital Usaha Kecil dan Menengah di Kabupaten Badung Inggrid,T.M; Aryaningsih, Ni Nyoman; Bagiada, I Made
Jurnal Bisnis dan Kewirausahaan Vol. 20 No. 1 (2024): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Badung Bali: Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v20i1.48-57

Abstract

Ketergantungan masyarakat terhadap teknologi digital muncul seiring dengan berkembangnya teknologi digital. Teknologi digital kini telah berinovasi dan salah satu inovasinya adalah pada bidang pembayaran yaitu sistem pembayaran digital. Sistem Pembayaran digital ini tidak hanya memiliki banyak manfaat namun juga memiliki banyak risiko, salah satunya adalah risiko operasional. Risiko operasional ini sering terjadi pada UMKM yang mendapat dorongan digitalisasi oleh pemerintah tanpa adanya manajemen yang memadai untuk mengelola risiko operasional dari sistem pembayaran digital. Penelitian  ini bertujuan untuk menganalisis proses manajemen risiko dengan melakukan identifikasi risiko, menilai risiko, mengklasifikasikan respon risiko,  dan pengendalian risiko operasional sistem pembayaran digital. Metode yang digunakan dalam tulisan ini adalah kombinasi dari kualitatif dan kuantitatif. Pendekatan kualitatif digunakan untuk identifikasi risiko, dan pengendalian risiko operasional system pembayaran digital. Pendekatan kuantititatif digunakan untuk menilai risiko dan mengklasifikasikan risiko operasional system pembayaran digital. Penelitian ini akan sesuai dengan proses manajemen risiko yang datanya akan diperoleh dari informan dan responden. Hasil penelitian ini berupa pengendalian yang dapat dilakukan untuk mengantisipasi kerugian yang disebabkan oleh risiko operasional sistem pembayaran digital pada UMKM. Implikasi penelitian adalah adalah risiko operasional memiliki peran sangat penting bagi usaha umkm, sehingg risiko didesain antisipasi pada tahap awal, untuk keberlanjutan UMKM.
Analisis Hubungan Literasi Keuangan Investor, Pengetahuan Investor, Risk Tolerance Investor Dan Regret Aversion Bias Investor Dengan Keputusan Investasi Suciwati, Desak Putu; Marwa, Shaskia Roja; Susanti , Jeni
Jurnal Bisnis dan Kewirausahaan Vol. 20 No. 2 (2024): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Badung Bali: Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v20i2.114-122

Abstract

Data of Otoritas Jasa Keuangan (OJK) result that the number of Single Investor Identification (SID) in Indonesia has increased from 2019 to May 2022. Most of these SID investors come from millennials who were born from 1980 to 2000. Investors in Bali SID also experienced an increase, especially in Denpasar City and Badung Regency. The aim of the research is to analyze the relationship between investor of financial literacy, investor knowledge, risk tolerance and regret aversion bias with stock investment decisions in Bali. The sampling technique uses the Slovin formula to obtain a minimum sample size. The data source was obtained from primary data by distributing a 5 Likert scale questionnaire to respondents via Google Form to BNI Securities and Mandiri Securities. Based on the research sample criteria, 129 research samples were obtained. Partial Least Square (PLS) - Structural Equation Modeling (SEM) is used for data analysis. The results are 1) investor financial literacy is significantly positively related to investment decisions, which means hypothesis 1 is accepted, 2) investor knowledge is significantly positively related to investment decisions, which means hypothesis 2 is accepted, 3) investor risk tolerance is significantly positively related to  investment decisions so that Hypothesis 3 is accepted, 4) investor regret aversion bias is significantly positively related to investment decisions, which means hypothesis 4 is accepted.  
Bagaimana Keadilan Organisasional Mempengaruhi Loyalitas Kerja dan Komitmen Organisasional? Survei terhadap Karyawan Usaha Mikro, Kecil, dan Menengah (UMKM) di Jawa dan Bali, Indonesia Putra, Pande Putu Yuda Raditya Gunasta; Sumarwan, Antonius; Margaaret, Tantia
Jurnal Bisnis dan Kewirausahaan Vol. 20 No. 2 (2024): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Badung Bali: Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v20i2.77-91

Abstract

Penelitian ini bertujuan untuk memahami bagaimana keadilan organisasi mempengaruhi loyalitas kerja dan komitmen organisasi pada UMKM. Karyawan yang loyal dan berkomitmen dengan organisasinya kemungkinan akan berkontribusi lebih terhadap keberlangsungan organisasinya. Menggunakan data 108 karyawan dari 23 UMKM yang dianalisis menggunakan regresi berganda hierarkis, penelitian ini menguji hipotesis bahwa praktik keadilan prosedural dan distributif berpengaruh terhadap loyalitas kerja dan komitmen organisasi pada UMKM. Temuan penelitian mengkonfirmasi hipotesis: praktik keadilan prosedural dan distributif secara positif dan signifikan mempengaruhi loyalitas dan komitmen karyawan UMKM terhadap organisasi mereka. Hal lain yang menarik adalah bahwa pengaruh praktik keadilan distributif terhadap loyalitas dan komitmen karyawan lebih tinggi dibanding pengaruh keadilan prosedural; pengaruh praktik dua jenis keadilan tersebut terhadap loyalitas lebih tinggi dibandingkan pengaruh mereka terhadap komitmen kepada organisasi. Penelitian ini memberikan bukti empiris tentang dampak positif praktik keadilan organisasi dalam konteks UMKM. Oleh karena itu, UMKM perlu mempraktikkan keadilan distributif dan prosedural karena praktik-praktik tersebut mengarah pada peningkatan loyalitas dan komitmen karyawan.
Penilaian Kualitas Layanan Bandara Internasional Ngurah Rai Menggunakan Metode Fuzzy Servqual dan Importance Performance Analysis Nurfakhrurozi, Rifqi; Andriani, Wahyu; Dewi, Nyoman Indah Kusuma; Saputra, Upayana Wiguna Eka; Adiningrat, Gede Pradiva
Jurnal Bisnis dan Kewirausahaan Vol. 20 No. 3 (2024): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Badung Bali: Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v20i3.163-173

Abstract

Ngurah Rai International Airport in Bali serves as a critical gateway for tourists, especially in the post-pandemic era. This study evaluates the service quality of the airport using the Fuzzy Servqual and Importance Performance Analysis (IPA) methods. A sample of 100 respondents was analyzed to assess five dimensions of service quality: tangibles, reliability, responsiveness, assurance, and empathy. The findings indicate that several attributes of the service require improvement, particularly in terms of adequacy of infrastructure, service clarity, and responsiveness to passenger feedback. The IPA analysis identified two attributes as high-priority areas for improvement. Recommendations for enhancing service quality are proposed to better align with passenger expectation and satisfaction.
Kepuasan Kerja Dipengaruhi Oleh Motivasi Kerja, Disiplin Kerja, Dan Lingkungan Kerja Pada Pegawai Dinas Kependudukan Dan Pencatatan Sipil (Disdukcapil) Kota Balikpapan Pebriana, Wiwin; Hadiyatno, Didik; Cipto, Rahajeng Cahyaning Putri
Jurnal Bisnis dan Kewirausahaan Vol. 20 No. 3 (2024): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Badung Bali: Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v20i3.174-181

Abstract

The Balikpapan City Population and Civil Registration Office must certainly serve the community well. The provision of good service is certainly inseparable from skilled and reliable human resources. This quantitative research aims to analyze the influence of work motivation, work discipline, and work environment on job satisfaction of employees of the Population and Civil Registration Office of Balikpapan City, using a purposive sampling technique totaling 40 employees of the Population and Civil Registration Office of Balikpapan City. Data collection in this study was done by distributing questionnaires and using SmartPLS in processing the data. The results of the study show that work motivation and work environment have a positive and significant influence on the job satisfaction of employees of the Balikpapan City Population and Civil Registration Office, while work discipline has a negative and insignificant effect on the job satisfaction of employees of the Balikpapan City Population and Civil Registration Office.
Kolaborasi antara Peneliti dan Praktisi: Penelitian Interaktif pada Transformasi Digital di Credit Union Kridha Rahardja Putra, Pande Putu Yuda Raditya Gunasta; Antonius Sumarwan; Titus Odong Kusumajati
Jurnal Bisnis dan Kewirausahaan Vol. 21 No. 3 (2025): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v21i3.199-218

Abstract

Research findings of business management academics are often not applicable in solving concrete problems faced by business practitioners. This is due to the academic orientation that prioritize research with strict objectivity, while practitioners require research that address real-world issues. This syudy aims to bridge both interests by offering an interactive research approach. The research was conducted in collaboration with practitioners from Credit Union Kridha Rahardja, focusing on the case of digital transformation, specifically the achievements of the EsCeTe mobile banking application. The research succesfully increased the activation rates of EsCeTe, the frequency of EsCeTe transactions, and the transaction fees of EsCeTe, while also generating knowledge about actors and their capabilities in implementing digital transformation. Additionally, this study outlines the steps involved in condufting interactive research, along with the chalenges and solution to overcome them
Peran Inklusi Keuangan dalam Memediasi Pengaruh Ekonomi Kreatif dan Blue Economy terhadap Kesejahteraan Ekonomi Nelayan Pesisir Lubis, Nurliza; Ainul Yusna Harahap; Najihatul Faridy; Muh Rifai Arrasyid
Jurnal Bisnis dan Kewirausahaan Vol. 21 No. 3 (2025): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v21i3.185-198

Abstract

This study aims to analyze the influence of Creative Economy and Blue Economy on the Economic Welfare of Coastal Fishermen, with Financial Inclusion as a mediating variable. Langsa City, Aceh, was chosen as the research site due to its significant marine potential, yet facing a decline in the number of fishermen from 3,194 in 2023 to 2,359 in 2024, despite the increasing contribution of the fisheries sector to regional GDP. This phenomenon highlights the need for an inclusive and sustainable coastal economic development strategy. A quantitative approach was employed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. A total of 150 fishermen were selected using Slovin’s formula and purposive sampling. The analysis covered outer model evaluation (validity and reliability) and inner model testing (direct effects, moderation, and mediation). The results reveal that the Blue Economy has a positive and significant effect on fishermen’s welfare, while the Creative Economy shows no significant effect. Financial Inclusion positively and significantly influences welfare, but its interaction with the Blue Economy is negative, indicating potential overcapitalization risks if financing is not environmentally sustainable. Mediation by Financial Inclusion is also significantly negative for the Blue Economy pathway, but not significant for the Creative Economy pathway. This study emphasizes the importance of strengthening the Blue Economy, providing supportive ecosystems for the creative economy, and implementing sustainability-based financial inclusion (green finance) to improve fishermen’s welfare without compromising marine ecosystems.
Inovasi Pangan Fungsional Lokal : Strategi Pasar dan Bisnis Berkelanjutan (Studi Kasus Universitas Sultan Ageng Tirtayasa) Widia; Amaliah , Lili; Masrikhiyah, Rifatul; Putri Salsabila, Aisya; Candra Mustikaningrum, Ardian; Nafilah, Nafilah; Elvina Rachma, Devi; Putri Wahyuningtyas, Aulia
Jurnal Bisnis dan Kewirausahaan Vol. 21 No. 3 (2025): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v21i3.165-175

Abstract

The economy can be stimulated by functional food entrepreneurship, which involves using local ingredients to create healthful and economically beneficial products through the combination of nutritional knowledge and resources available in the community. The primary objectives of this research are to investigate entrepreneurship prospects by analyzing the desires and opinions of consumers regarding locally produced functional foods, and also to devise sustainable strategies for small and medium-sized businesses. Purchasing decisions are influenced by the level of trust in health claims and the affordability of products. Based on these findings, the study suggests three business strategies: (a) using a local supply chain model to make sure there is a steady supply of raw materials, (b) offering different types of products with varying prices to reach more customers, and (c) helping small businesses improve their ability to research and develop products using scientific evidence.
The Influence of Environmental Awareness and Attitudes towards the Environment on Achieving SDGs Through Green Entrepreneurship Behavior as a Mediating Variable Ali, Mukti; Aziza, Nurul; Budi Hartanto, Nur Rahmat
Jurnal Bisnis dan Kewirausahaan Vol. 21 No. 3 (2025): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v21i3.176-184

Abstract

This study is motivated by the urgency of achieving the Sustainable Development Goals (SDGs), which require the active participation of the younger generation, especially students, as agents of sustainable change. Low environmental literacy and green entrepreneurship behavior pose challenges in encouraging student contributions to SDG implementation. Therefore, this study aims to analyze the influence of environmental knowledge and attitudes toward the environment on support for SDG achievement, with green entrepreneurship behavior as a mediating variable. This study uses a quantitative method with a Partial Least Square (PLS) approach through the SmartPLS 4.0 application. Data were obtained through an online questionnaire distributed to 274 students at Maarif Hasyim Latif University, after the research instrument was tested for validity and reliability using SPSS version 31 with highly reliable results (Cronbach Alpha 0.944). The R-square value for the green entrepreneurship behavior variable was 0.482 (moderate category) and for the support for SDGs variable was 0.673 (strong category). The results showed that environmental knowledge had a significant effect on green entrepreneurship behavior and support for achieving SDGs, while attitudes toward the environment did not have a significant effect on either variable. Furthermore, green entrepreneurship behavior proved to be a strong and significant mediating variable in increasing support for SDGs. These findings emphasize the importance of strengthening environmental literacy and fostering green entrepreneurship in higher education to encourage student’s role in realizing sustainable development.
Sistem Hambatan Berlapis Digitalisasi UMKM Kuliner: Studi Kualitatif Berbasis Kerangka TOE Dafitri, Rahma; Daryani, Dian
Jurnal Bisnis dan Kewirausahaan Vol. 21 No. 3 (2025): JBK-Jurnal Bisnis dan Kewirausahaan
Publisher : Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jbk.v21i3.153-164

Abstract

Digital transformation barriers in culinary micro, small, and medium enterprises (MSMEs) form a layered barrier system that mutually reinforces and hinders optimization. This qualitative exploratory study involving 10 culinary MSMEs in Bandung identifies five main dimensions of barriers with 42 sub-categories analyzed using NVIVO. Digital literacy emerges as the dominant barrier, followed by technical, financial, operational, and external barriers. The study reveals three new theoretical findings: digital financial literacy as an overlooked dimension, time constraints creating repetitive cycles, and optimization paradox showing the phenomenon of "digital presence without digital performance". Barrier distribution varies based on MSME characteristics. Education-digital capability paradox shows bachelor's degree owners face the highest barriers. Middle-income digital trap appears in MSMEs with monthly revenue of Rp 5-8 million experiencing maximum technical complexity. Early-stage digital struggle dominates new MSMEs, while maturity advantage provides adaptation benefits for established MSMEs. The findings validate the Technology-Organization-Environment framework and generate a layered barrier system theory requiring comprehensive intervention approaches to break the mutually reinforcing barrier cycle.

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