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INDONESIA
Jurnal Nirta: Studi Inovasi
Published by Nirta Learning Centre
ISSN : -     EISSN : 28076648     DOI : 10.61412
Core Subject : Economy, Science, Education,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education
artikel penelitian dan pengabdian kepada masyarakat yang berfokus pada bidang keilmuan yaitu Pendidikan, Manajemen dan Pariwisata
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 235 Documents
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PERANAN BAGIAN TELLER DAN CUSTOMER SERVICE DALAM MENINGKATKAN PELAYANAN DI LPD DESA ADAT KESIMAN Komang Tri Wahyuni; Sagung Oka Pradnyawati; Ida Ayu Made Sitha Soma Dwiyanti
Jurnal Nirta : Inovasi Multidisiplin Vol 2 No 2 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v2i2.26

Abstract

Lembaga Perkreditan Desa (LPD) Adat Kesiman adalah Lembaga Keuangan milik Desa Pakraman Kesiman yang bertempat diwilayah Desa Pakraman Kesiman yang meliputi 3 (tiga) Desa Dinas yaitu Kelurahan Kesiman, Desa Kesiman Petilan, dan Desa Kesiman Kertalangu, dan terdiri dari 32 Banjar Adat. Kehadiran LPD Desa Adat Kesiman membuat masyarakat memiliki akses untuk menyimpan dananya. Berdasarkan data profil pembukaan rekening rata – rata mata pencaharian masyarakat kesiman adalah pedagang atau pelaku UMKM. Kesulitan yang sering dihadapi oleh masyarakat kesiman adalah dalam mengelola keuangan (literasi keuangan). LPD Desa Adat Kesiman mengakomodasi permasalahan masyarakat dengan menawarkan Simpanan dan Deposito khususnya untuk pelaku UMKM. Kenaikan jumlah nasabah di LPD Desa Adat Kesiman yaitu rata-rata sebesar 8,5% di 2020. Kenaikan tertinggi ada di tahun 2021 yaitu sebesar 13%, ini tidak lepas dari peranan Bagian Teller dan Customer Service, yang membuat kepercayaan masyarakat terhadap LPD Desa Adat Kesiman semakin meningkat.
PENERAPAN KEGIATAN ACCOUNTING PADA BAGIAN ACCOUNT RECEIVABLE, ACCOUNT PAYABLE, DAN GENERAL CASHIER DI HOTEL HARRIS KUTA TUBAN Komang Tri Wahyuni; Sagung Oka Pradnyawati; Ni Luh Pramesta Ning Sri Utama Putri
Jurnal Nirta : Inovasi Multidisiplin Vol 2 No 2 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v2i2.27

Abstract

Pariwisata di Bali pasca pandemi meningkat pesat, ini dapat dilihat mulai  dibukanya objek wisata, seperti hotel, restoran, spa, dan lain lain.  Peningkatan jumlah wisatawan yang datang ke Bali, dimulai karena adanya kebijakan tanpa karantina di Bandara Internasional Ngurah Rai Bali. Ini sekaligus menjadi momentum pemulihan pariwisata Bali. Peningkatan kunjungan wisatawan dapat dilihat dari jumlah tingkat hunian kamar pada hotel di Bali. menggambarkan jumlah tingkat hunian kamar hotel (khususnya bintang 1-5) dari tahun 2020 hingga 2022. Rata-rata kenaikan kamar terjual di Hotel Harris Kuta Tuban sebesar 79% selama periode tahun 2020 hingga 2022, dimana kenaikan tingkat hunian tertinggi terjadi di tahun 2022 yaitu sebesar 139%. Ini merefleksikan keadaaan dimana pariwisata di Bali meningkat pesat. Berdasarkan fenomena di lapangan itu, maka menarik  untuk mengamati kegiatan akuntansi di industri hotel, khususnya di departemen accounting,  yaitu di bagian Account Receivable, Account Payable, dan General Cashier.
PENGARUH STRUKTUR KEPEMILIKAN TERHADAP NILAI PERUSAHAAN LQ45 DI BURSA EFEK INDONESIA Komang Tri Wahyuni
Jurnal Nirta : Inovasi Multidisiplin Vol 2 No 2 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v2i2.29

Abstract

`This study is conducted to analyze the impact of ownership structure on value of the firm. Dimensions of ownership structure are represented by concentrated ownership and managerial ownership. The samples of this study are LQ45 companies listed on the Indonesian Stock Exchange (IDX) for the periode 2016-2020 . Total Observation of 125 was determined by purposive sampling method. Both market based value measure: PER and PBV are used to measure value of the firm. There is market capitalization as a control variables. This study uses Ordinary Least Square (OLS) for hypotheses testing The results show that Ownership concentration have a positive effect with statistical significance on value of the firm (market performance). Managerial ownership was found to have a negative effect with statistical significance on value of the firm (market performance), and also size of the firm effect have a positive effect with statistical significance on valuation PER and negative on valuation PER. The implication of this study showed that all companies should concentrated ownership which creates majority and minority shareholders creating a potential conflict that may effect the value of the firm.
PENERAPAN SEKSI ADMINISTRASI KREDIT PADA LPD DESA ADAT KESIMAN Komang Tri Wahyuni; Fransiska Isabela
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.30

Abstract

Permodalan merupakan salah satu kendala masyarakat desa Adat atau pakraman, dimana kendala utama dari masyarakat dalam mendapat fasilitas kredit adalah jaminan. Fenomena ini yang membuat masyarakat di pedesaan mencari pendanaan melalui rentenir atau pihak pemberi pinjaman secara illegal. Hadirnya lembaga keuangan di desa pakraman disambut baik oleh masyarakat setempat, karena mereka dapat mengakses pinjaman secara resmi atau legal, bahkan tanpa jaminan. Hadirnya LPD ini membuat masyarakat kesiman menyambut baik dan diharapkan masyarakat setempat memperoleh pendanaan. Berdasarkan data profil pembukaan rekening bahwa rata-rata masyarakat kesiman memiliki mata pencariannya pedagang atau melakukan kegiatan UMKM. Kesulitan yang sering hadapi oleh masyarakat setempat adalah mendapatkan pemodalan (likuiditas). LPD Kesiman mengakomodasi permasalahan masyarakat dengan memberikan kredit tanpa anggunan khususnya untuk UMKM. Kegiatan administrasi bagian kredit adalah menghitung bunga, mengecek pembayaran secara berkala.
Persepsi Nasabah Pada Fitur Layanan Top Up E-Wallet BSI Mobile di Bank Syariah Indonesia Kantor Cabang Pembantu Kuta Ika Aisyah; Raden Agrosamdhyo; Ely Mansur
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.31

Abstract

The Top Up E-Wallet service feature is one of the service features available on BSI Mobile provided by Bank Syariah Indonesia for customers who often use cashless payment systems so that customers can easily top up their digital wallet balances. The purpose of this research is to find out how to use the BSI Mobile E-Wallet Top Up service feature at BSI KCP Kuta, find out the advantages of the BSI Mobile E-Wallet Top Up service feature, find out customer perceptions of the BSI Mobile E-Wallet Top Up service feature in BSI KCP Kuta. The research method used in this research is a descriptive qualitative method. Informants in this study were selected using random sampling techniques. For data collection techniques using observation, interviews and documentation methods. Data analysis techniques include data reduction, data presentation, drawing conclusions. Meanwhile, the validity of the data uses triangulation which can help researchers to test the validity of information from various sources. The research results found: How to use the BSI Mobile E-Wallet Top Up service feature is quite easy for BSI KCP Kuta customers to understand and use. The advantage of the BSI Mobile E-Wallet Top Up Service Feature is that customers can easily get access to information related to the service feature, the transactions that can be carried out by this service feature are varied, the innovation of this service feature is that there is a reminder to donate or give alms after the customer makes a Top Up transaction . Customer perception of the BSI Mobile E-Wallet Top Up service feature is quite good. Perception is interested in using this service feature because it is considered to have cheap admin costs and is easy to use. The perception target is considered to have a complete digital balance according to customer needs. It was found that there were bad network problems and server downs which made Top Up transactions fail.
Penerapan Akad Murabahah Pada Pembiayaan Griya Takeover (Studi Kasus di Bank Syariah Indonesia KCP Kuta) Nur Halimah; Kurniawati Kurniawati; Ely Mansur
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.32

Abstract

The aims of this study are, to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta, to find out the murabaahah contract process for financing a takeover house at BSI KCP Kuta and, to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found, there are factors that cause a murabaha contract to occur, namely the presence of the object of the contract. The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha. The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.
Implementasi Budaya Organisasi dalam Meningkatkan Produktivitas Kerja di Bank Muamalat Kantor Cabang Denpasar Nur Azizah; Ely Mansur; Sahrial Sahrial
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.33

Abstract

The objectives of this research are: 1). To find out the implementation of organizational culture in increasing work productivity at Bank Muamalat Denpasar Branch Office. 2). To find out how each employee increases work productivity at Bank Muamalat Denpasar Branch Office? The research methodology used is descriptive qualitative research using triangulation in testing credibility. The informants in this study were 6 employees who worked at Bank Muamalat Denpasar Branch Office. As well as data collection techniques in the form of: interviews, documentation and observation. Based on the results of the research, Bank Muamalat Denpasar Branch Office has implemented ideal corporate culture values properly and correctly. Where the organizational culture is applied as motivation for each employee to be more disciplined and have character in the application of organizational culture when carrying out their duties. The application of organizational culture can increase the work productivity of employees which can be seen from the achievements of the company. So that the organizational culture applied so far has been running well and in accordance with sharia principles.
Pengaruh Nilai Kerja Islami dan Budaya Kerja Islami Terhadap Produktivitas Kerja BSI Luh Ratih; Kurniawati Kurniawati; Sahrial Sahrial
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.34

Abstract

The purpose of the study was to determine the effect of Islamic work values on work productivity of BSI Denpasar Branch employees, to determine the effect of Islamic work values on work productivity of BSI Denpasar Branch employees, to determine the effect of Islamic work values and culture simultaneously on work productivity. This research uses quantitative research, with questionnaire data collection techniques. This study uses validity and reliability test analysis techniques, multiple regression testing using the SPSS 26 program. The results obtained that the coefficient value of the X1 variable Islamic work value is 0.428 with a significance value of 0.037 <0.05 while the coefficient value of the X2 variable Islamic work culture is 0.425. with a significance value of 0.034 <0.05. These results indicate that there is an influence between Islamic work values and Islamic work culture on employee work productivity either partially or simultaneously.
PENERAPAN SEKSI ADMINISTRASI KREDIT PADA LPD DESA ADAT KESIMAN Tri Wahyuni, Komang; Isabela, Fransiska
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.30

Abstract

Permodalan merupakan salah satu kendala masyarakat desa Adat atau pakraman, dimana kendala utama dari masyarakat dalam mendapat fasilitas kredit adalah jaminan. Fenomena ini yang membuat masyarakat di pedesaan mencari pendanaan melalui rentenir atau pihak pemberi pinjaman secara illegal. Hadirnya lembaga keuangan di desa pakraman disambut baik oleh masyarakat setempat, karena mereka dapat mengakses pinjaman secara resmi atau legal, bahkan tanpa jaminan. Hadirnya LPD ini membuat masyarakat kesiman menyambut baik dan diharapkan masyarakat setempat memperoleh pendanaan. Berdasarkan data profil pembukaan rekening bahwa rata-rata masyarakat kesiman memiliki mata pencariannya pedagang atau melakukan kegiatan UMKM. Kesulitan yang sering hadapi oleh masyarakat setempat adalah mendapatkan pemodalan (likuiditas). LPD Kesiman mengakomodasi permasalahan masyarakat dengan memberikan kredit tanpa anggunan khususnya untuk UMKM. Kegiatan administrasi bagian kredit adalah menghitung bunga, mengecek pembayaran secara berkala.
Persepsi Nasabah Pada Fitur Layanan Top Up E-Wallet BSI Mobile di Bank Syariah Indonesia Kantor Cabang Pembantu Kuta Ika Aisyah; Raden Agrosamdhyo; Ely Mansur
Jurnal Nirta : Inovasi Multidisiplin Vol 3 No 1 (2023): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v3i1.31

Abstract

The Top Up E-Wallet service feature is one of the service features available on BSI Mobile provided by Bank Syariah Indonesia for customers who often use cashless payment systems so that customers can easily top up their digital wallet balances. The purpose of this research is to find out how to use the BSI Mobile E-Wallet Top Up service feature at BSI KCP Kuta, find out the advantages of the BSI Mobile E-Wallet Top Up service feature, find out customer perceptions of the BSI Mobile E-Wallet Top Up service feature in BSI KCP Kuta. The research method used in this research is a descriptive qualitative method. Informants in this study were selected using random sampling techniques. For data collection techniques using observation, interviews and documentation methods. Data analysis techniques include data reduction, data presentation, drawing conclusions. Meanwhile, the validity of the data uses triangulation which can help researchers to test the validity of information from various sources. The research results found: How to use the BSI Mobile E-Wallet Top Up service feature is quite easy for BSI KCP Kuta customers to understand and use. The advantage of the BSI Mobile E-Wallet Top Up Service Feature is that customers can easily get access to information related to the service feature, the transactions that can be carried out by this service feature are varied, the innovation of this service feature is that there is a reminder to donate or give alms after the customer makes a Top Up transaction . Customer perception of the BSI Mobile E-Wallet Top Up service feature is quite good. Perception is interested in using this service feature because it is considered to have cheap admin costs and is easy to use. The perception target is considered to have a complete digital balance according to customer needs. It was found that there were bad network problems and server downs which made Top Up transactions fail.

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