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Jurnal Ekonomi dan Bisnis Jagaditha
Published by Universitas Warmadewa
ISSN : 23554150     EISSN : 25798162     DOI : 10.22225/jj
Core Subject : Economy,
Economics, Econometrics & Finance
JAGADITHA: Jurnal Ekonomi & Bisnis P-ISSN: 2355-4150, E-ISSN: 2579-8162 is a journal of economic and bussiness published by Management Deparment, Postgraduated Program, Warmadewa University, provides a forum for publishing research articles or review articles. This journal has been distributed by WARMADEWA PRESS started from Volume 1 Number 1 Year 2014 to present. The scope of journal is restricted to the fields of economic and business study. The journal is published twice a year every march and september.
Arjuna Subject : -
Articles 225 Documents
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Empowering Marginalized Unbanked Communities Through Financial Inclusion in Indonesia I Gusti Ngurah Agung Kepakisan Mandala; Nyoman Sri Subawa; Ida Bagus Raka Suardana
Jurnal Ekonomi dan Bisnis Jagaditha 208-221
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.208-221

Abstract

Financial inclusion has emerged as a strategic solution for empowering marginalized communities in Indonesia, who often face significant barriers in accessing formal financial services. Challenges such as low financial literacy, limited infrastructure, and unstable income hinder their ability to utilize financial products effectively. Financial Self-Efficacy (FSE), defined as an individual’s belief in their capacity to manage financial matters, plays a crucial role in enhancing their engagement with financial services. A financial inclusion approach that integrates financial literacy, digital technology, and institutional support has proven effective in improving both access to and the usability of financial services for these populations. This study synthesizes various strands of literature to identify best practices in promoting financial inclusion among marginalized groups in Indonesia. The findings highlight that technology-driven financial education programs, inclusive financial products, and collaborative efforts between the government and private sector yield significant positive outcomes. Furthermore, improvements in financial literacy and FSE are associated with healthier financial behaviors, such as consistent saving habits and responsible debt management. An integrated strategy for financial inclusion can reduce socio-economic disparities, enhance individual well-being, and contribute to inclusive economic growth. The study recommends a holistic approach that encompasses education, innovation, and cross-sector collaboration as key strategies to advance financial inclusion in Indonesia.
PETA Method for Improving Financial Performance of MSMEs in Denpasar Luh Nik Oktarini; Putu Atim Purwaningrat; Rai Dwi Andayani. W
Jurnal Ekonomi dan Bisnis Jagaditha 125-134
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.125-134

Abstract

This study aims to analyze the effectiveness of the PETA (Periksa/Check, Edukasi/Educate, Implementasi/Implement, Amati/Supervise) method in improving the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Denpasar City. MSMEs play an important role in regional economies but still face various challenges, especially in financial management. The PETA method integrates four stages: checking the initial financial condition of MSMEs, providing Education through financial literacy and business management training, implementing relevant financial management strategies, and observing the implementation results for evaluation and continuous improvement. This study uses a quantitative, quasi-experimental design with a sample of 100 MSME actors. This study collected data through observation, questionnaires, and documentation, then analyzed them using multiple linear regression techniques in SPSS (Statistical Package for the Social Sciences, Windows version 21.0). The study found that the PETA (Check, Educate, Implement, Supervise) method has a positive and significant effect on the financial performance of MSMEs in Denpasar City, both partially and simultaneously. Future studies should employ a more diverse set of variables to examine their influence on MSME financial performance.
The Occupational Transformation of Coastal Fishers in Advancing Coastal Economic Sustainability: A Case Study in Sanur, Bali Made Ika Prastyadewi; Putu Yusi Pramandari; I Gusti Lanang Putu Tantra; Agung Budi Leksono Prastyadewi
Jurnal Ekonomi dan Bisnis Jagaditha 147-157
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.147-157

Abstract

The increase of economic and environmental pressures in coastal areas have caused many fishermen to switch from traditional livelihoods to the tourism sector. This study aims to analyze the factors that influence the transformation of traditional fishermen's jobs in the coastal area of Sanur, Bali, in the context of sustainable tourism development. A quantitative approach using logistic regression was used to analyze the relationship among socio-demographic, economic, and tourism factors and the decision to change occupations. The results imply that higher levels of education, ownership of tourism-related assets, and more intense interaction with the tourism environment increase the likelihood of fishermen transforming their occupations. Conversely, older fishermen tend to be more resistant to changing their traditional livelihoods. These findings emphasize the importance of social and economic readiness in supporting sustainable transitions in the coastal economy. This research contributes to the transformation of economic structures and economic development, which in turn has policy implications on the formulation of community-based tourism policies.
Corporate Tax Aggressiveness from Perspective: Capital Structure and Earning Management on Foreign Exchange Bank in Pandemic Era Annisa Fitri Anggraeni; Winna Roswinna; Maria Lusiana Yulianti
Jurnal Ekonomi dan Bisnis Jagaditha 174-189
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.174-189

Abstract

Tax aggression is an illegal or legal tax planning activity with the aim of obtaining taxable profits through tax evasion or tax avoidance. This Research remains to measure Capital Structure and earning management are considered to be factors that influence the corporate tax aggressiveness. The research method used in this study is quantitative method. The unit of analysis is financial statements from 54 foreign exchange bank on pandemic era (2020-2023), with 216 samples, using panel data regression for hypotheses analysis. Capital structure has a positive influence but unsignificant on corporate tax aggressiveness because the data studied was in the pandemic period, when many banks suffered a significant decline in profits due to credit relief policies. Then, earning management also has a positive influence but unsignificant on the corporate tax aggressiveness, because Banking has become one of the most affected sectors of the pandemic, so banking companies feel no need to do earning management for tax evasion because they are losing condition. The results of the research, capital structure and profit management didn’t have a significant impact on corporate tax aggressiveness, as the government issued a tax harmonization law at the end of 2021 by lowering the corporate tax rate from 25% to 22%, so companies including banks felt no need to do tax planning because they had received special treatment from the government.
AI Advertising Personalization, Content Quality, Trust, and Gen Z Impulsive Buying Behavior Rhoma Iskandar
Jurnal Ekonomi dan Bisnis Jagaditha 158-173
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.158-173

Abstract

The development of Artificial Intelligence (AI) has transformed the way companies deliver advertisements through algorithm-based personalization systems. This study aims to analyze the effect of AI-based advertising personalization and content quality on Generation Z’s impulsive buying behavior in Bekasi City, with consumer trust serving both as a moderating variable and an independent variable. The research employs a quantitative approach using a survey method involving 234 Generation Z respondents who actively engage in online shopping. The data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The findings indicate that AI-based advertising personalization has a positive and significant effect on impulsive buying behavior. In contrast, advertising content quality does not have a significant impact on impulsive behavior. Consumer trust does not function as a moderating variable; however, it has a direct and positive influence on impulsive buying. The research model explains 35% of the variance in impulsive buying behavior. These findings highlight that in the context of urban Generation Z consumers with high social media usage intensity, algorithm-driven personal relevance plays a more decisive role in spontaneous purchase decisions than the quality of advertising messages. This study provides theoretical implications for the development of digital consumer behavior models and practical implications for designing more effective and contextual AI-based marketing strategies.

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