Academic literature on the topic 'Village Credit Institutions of Bali'

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Journal articles on the topic "Village Credit Institutions of Bali"

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GEDE SADIARTHA, Anak Agung Ngurah. "Create Sustainable Competitive Advantage through Environmentally Friendly Culture of Village Credit Institutions." Journal of Environmental Management and Tourism 9, no. 7 (March 5, 2019): 1606. http://dx.doi.org/10.14505//jemt.v9.7(31).23.

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The purpose of this research is to obtain empirical The Village Credit Institutions "Lembaga Perkreditan Desa" (herein after abbreviated to as Village Credit Institution)‟ in Bali has a unique organizational culture. It owned by traditional villages in Bali are able to compete with other modern banking. This scientific work discusses sustainable competitive advantage management and the values of the organizational culture that strengthens of Village Credit Institution get the trust of the people of Bali, able to compete with modern banking institutions. The result of the research shows that a sustainable competitive advantage management strategy coupled with the awig-awig strength in the Village Credit Institution as a medium for the role of community discipline, pade ngelahang's attitude is able to build the confidence of local villagers and the strength of the human resource role in menyame braye as an effort to build shared values.
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Ibrahim, Johannes, and Hassanain Haykal. "Religious Communal of Indigenous Peoples in Improving Economy Through Local Wisdom (A Juridical Study on Rural Credit Institution in Bali)." Hasanuddin Law Review 1, no. 1 (April 16, 2016): 89. http://dx.doi.org/10.20956/halrev.v1i1.216.

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Rural Credit Institution is a financial institution that is specifically located in Pakraman (customary villages) in Bali. The presence of Rural Credit Institution in Bali adjoined to other bank financial institutions such as Commercial Banks and Rural Banks are widespread throughout the province of Bali. Rural Credit Institutions as a financial institution acquire legality under Article 58 of Act No. 7 of 1992 in conjunction with Act No. 10 of 1998 which provides status as Rural Banks. Local wisdom that owned by Rural Credit Institutions, has the scope of business activities, the types of activities and financial transactions are limited in Pakraman as the target area. Customers who save funds or require a loan to be registered as local residents aimed at empowering communities. It is a characteristic of religious communal of Bali’s people for business activities in the village. The uniqueness in the Rural Credit Institutions is the local wisdom of Bali’s people that can be maintained and not be crushed by globalization.
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Ibrahim, Johannes, and Hassanain Haykal. "Religious Communal of Indigenous Peoples in Improving Economy Through Local Wisdom (A Juridical Study on Rural Credit Institution in Bali)." Hasanuddin Law Review 1, no. 1 (April 16, 2016): 89. http://dx.doi.org/10.20956/halrev.v1n1.216.

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Rural Credit Institution is a financial institution that is specifically located in Pakraman (customary villages) in Bali. The presence of Rural Credit Institution in Bali adjoined to other bank financial institutions such as Commercial Banks and Rural Banks are widespread throughout the province of Bali. Rural Credit Institutions as a financial institution acquire legality under Article 58 of Act No. 7 of 1992 in conjunction with Act No. 10 of 1998 which provides status as Rural Banks. Local wisdom that owned by Rural Credit Institutions, has the scope of business activities, the types of activities and financial transactions are limited in Pakraman as the target area. Customers who save funds or require a loan to be registered as local residents aimed at empowering communities. It is a characteristic of religious communal of Bali’s people for business activities in the village. The uniqueness in the Rural Credit Institutions is the local wisdom of Bali’s people that can be maintained and not be crushed by globalization.
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Putra, I. Gede Cahyadi, Desy Wedasari, and Gusti Ayu Putu Wulan Rahmasari. "The Effect of Intellectual Capital and Corporate Governance on The Performance of Village Credit Institutions." International Journal of Applied Business and International Management 5, no. 3 (December 21, 2020): 35–40. http://dx.doi.org/10.32535/ijabim.v5i3.979.

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The main purpose of this paper is to examine and analyze the effect of intellectual capital and corporate governance on the performance of village credit institutions in Tampaksiring District, Gianyar, Bali. The study population were 32 village credit institutions with 96 respondents. The findings show that there is a positive influence of intellectual capital and corporate governance on the performance of village credit institutions. This indicates that intellectual capital and good corporate governance of village credit institutions, such as human capital, capital structure and relational capital highly will improve the performance of village credit institutions.
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Wiguna S, I. Gusti Agung Satrya, Desak Gde Dwi Arini, and Luh Putu Suryani. "Akibat Hukum Kredit Macet di Lembaga Perkreditan Desa yang Debiturnya Non Krama." Jurnal Analogi Hukum 2, no. 1 (March 4, 2020): 37–41. http://dx.doi.org/10.22225/ah.2.1.1607.37-41.

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Abstract-In the governance of the Adat Village in Bali, it has a credit institution, namely the Village Credit Institution, which is a movement of the community of Pakraman Village to improve the economic standard of Pakraman Village. However, if it is not properly mobilized, it will cause new problems and the problems that are most often expressed, one of which is bad credit. If bad credit is carried out by village officials, this can be solved by a rerem or regulations made jointly by the indigenous villagers. But if this bad credit is carried out by non-village officials, according to Bali Provincial Regulation Number 3 of 2017 concerning Village Credit Institutions (LPD), explain; (LPD) may not give credit to non-village officials. However, in some traditional villages, there are also those in the perarem which are allowed by non-village officials to conduct credit in (LPD) but there must be representatives from the traditional village krama. For this reason, there is no legal certainty for non-village officials who commit bad credit. The problems in this research are: 1. How legitimate is the credit agreement at the LPD that the debtor is non-Village Village ?. 2. What are the legal consequences if there is a bad credit, the debtor is a non-village official? The research method used is the Empirical research method and data collection techniques through interviews and observations. The results of this study are in the implementation if the LPD allows non-village manners to do credit in their LPD, then there must be a village regulation that regulates the credit process carried out by non-manners of the village. In addition, the settlement of bad loans must also be regulated by regulations in the customary village. Keywords: Bad Credit, Non-Villagers Courtesy, Village Credit Institution. Abstrak-Dalam pemerintahan Desa Adat di Bali, memiliki suatu lembaga perkreditan yaitu Lembaga Perkreditan Desa yang mana merupakan gerakan masyarakat Desa Pakraman guna meningkatkan taraf hidup ekonomi Desa pakraman. Namun, jika tidak di mobilitasi dengan baik, justru akan menimbulkan masalah baru dan masalah yang paling sering diungkapkan salah satunya Kredit Macet. Jika kredit macet yang dilakukan oleh krama desa, hal ini bisa diselesaikan dengan perarem atau peraturan yang dibuat bersama - sama oleh warga Desa adat. Tetapi jika kredit macet ini dilakukan oleh non krama desa, sesuai dalam Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 Tentang Lembaga Perkreditan Desa (LPD) menerangkan; (LPD) tidak boleh memberikan kredit kepada non krama desa. Namun didalam beberapa desa adat, ada pula yang dalam peraremnya dibolehkan non krama desa untuk melakukan kredit di (LPD) namun harus ada perwakilan dari krama desa adat setempat. Atas dari hal ini, belumlah adanya kepastian hukum bagi non krama desa yang melakukan kredit macet. Permasalahan dalam penelitian ini adalah: 1. Bagaimana sahnya perjanjian kredit di LPD yang debiturnya non krama Desa?. 2. Bagaimana akibat hukum jika terjadi kredit macet yang debiturnya non krama Desa?. Metode penelitian yang digunakan adalah metode penelitian Empiris serta teknik pengumpulam data melalui wawancara dan observasi. Adapun hasil dari penelitian ini adalah dalam pelaksanaanya apabila LPD mengijinkan orang non krama desa untuk melakukan kredit pada LPDnya maka harus ada perarem desa yang mengatur mengenai proses perkreditan yang dilakukan oleh non krama desa. Selain itu penyelesaian kredit macet pun juga harus diatur dengan perarem pada desa adat. Kata Kunci: Kredit Macet, Non Krama Desa, Lembaga Perkreditan Desa.
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I Ketut Merta, I. Wayan Gede Supartha, I. Made Artha Wibawa, and Ida Bagus Ketut Surya. "Does intrapreneurship increase work spirit and performance of village credit institutions?" Problems and Perspectives in Management 19, no. 3 (August 6, 2021): 107–17. http://dx.doi.org/10.21511/ppm.19(3).2021.10.

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This study aims to analyze the influence of intrapreneurship on improving village credit institution (VCI) performance with the work spirit as a mediation variable. The study was conducted at 108 village credit institutions in Karangasem Regency, Bali Province, Indonesia. Respondents were representatives of the management of village credit institutions (heads, treasurers, and secretaries). Sampling was done by proportional random sampling. A quantitative approach was used. Data were analyzed by the partial least square with SmartPLS 2.0 M3 program. The results found that intrapreneurship had a significant positive effect on the VCI performance. In addition, intrapreneurship had a significant positive effect on the work spirit, work spirit had a significant positive effect on the VCI performance, and work spirit significantly mediated the effect of intrapreneurship on VCI performance. Findings described the relationships among intrapreneurship, work spirit, and VCI performance in Karangasem Regency. VCI performance is more influenced by the work spirit than intrapreneurship with a coefficient of 0.645; VCI performance is partially influenced by intrapreneurship with a coefficient of 0.383; work spirit is also partially influenced by intrapreneurship with a coefficient of 0.353. Work spirit with a coefficient of 0.227 can act as partial mediation of the VCI performance in Karangasem Regency, Bali Province, Indonesia.
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Anggreni, Putri, Putu Ari Mulyani, and Ni Luh Sri Parwati. "ANALISIS TINGKAT KESEHATAN LEMBAGA PERKREDITAN DESA (LPD) DESA PAKRAMAN GEGELANG KECAMATAN MANGGIS KABUPATEN KARANGASEM." Jurnal Ilmiah Satyagraha 3, no. 2 (August 20, 2020): 119–26. http://dx.doi.org/10.47532/jis.v3i2.184.

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The Village Credit Institutions (LPD) is one of the financial institutions that are included in the category of non-bank financial institutions in every Pakraman village in the province of Bali. The purpose of this Researcher is to find out whether the Village Institute of Pakraman Gegelang, Manggis District, Karangasem Regency can achieve a healthy predicate or not by using guidelines or references in the Provincial Regulation of Bali Province No.4 of 2012 concerning the second amendment to the Provincial Regulation of Bali Province No.8 years 2002. This study uses descriptive methods because it tries to solve existing problems, data collection techniques used are observation, documentation, and interviews. The documentation method used in this study uses books, regulations, and other documents such as: Financial Reports and the Work Plan of the Pakraman Gegelang Village Credit Institution. The data analysis technique used is the analysis of financial ratios according to1n the Bali Provincial Regulation No.4 Year 2012. Based on the results of the analysis, the results of the study can be concluded that referring to the Bali Provincial Regulation No.4 of 2012. Regarding the Health Assessment Guidelines for Village Credit Institutions (LPD), the level of health at the Credit Institute in the Pakraman Gegelang Village can be rated "Healthy" with a score of 98, 6. Based on the results of the study, the advice can be given to the administrators of the Village Credit Institutions (LPD) Desa Pakraman Gegelang, is the LPD optimally manage productive assets and allocate productive assets to activities or businesses that can increase profits or SHU, for example at banks and other LPDs . LPDs must also be able to see the market opportunities that exist in lending, not only in one sector. In addition, it is necessary to schedule debt payments to other parties accompanied by available funds. In this way it is expected to prevent liquidity.
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Sadiartha, Anak Agung Ngurah Gede. "Lembaga perkreditan desa sebagai penopang keajegan budaya ekonomi masyarakat Bali." Jurnal Kajian Bali (Journal of Bali Studies) 7, no. 2 (October 31, 2017): 1. http://dx.doi.org/10.24843/jkb.2017.v07.i02.p01.

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Village Credit Union “Lembaga Perkreditan Desa” (LPD) continues to develop into an autonomous and tough intermediary institution. This paper discusses LPD as a model of superior traditional financial institutions, and its role in supporting the economic culture of the people of Bali. This paper is the result of qualitative research with data obtained from observation, documentation study and interview with 10 informants: LPD credit recipients, practitioners and observers of LPD. The data were descriptively, qualitatively, and interpretatively analyzed using economic management theory and the theory of social practice (Bourdieu). The results show: Firstly, LPD develops into a formidable traditional financial institution because: (a) LPD was autonomous, not subject to central policy, but refer to local regulations and awig-awig; (b) Implementation of modern global banking management, ie management functions, 5C principles, and innovation of LPD products and implementastion of cultural values ??of local organizations including Hindu philosophy on prosperity Tri Hita Karana, Catur Asrama and human relations manyamebraya. Secondly, the existence of LPD was able to improve socio-economic welfare and sustain the cultural traditions of indigenous villagers in Bali.
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Arsyad, Lincolin. "ASSESSING FACTORS AFFECTING the REPAYMENT RATE OF MICROFINANCE INSTITUTIONS: A Case Study of Village Credit Institutions of Gianyar, Bali." Gadjah Mada International Journal of Business 8, no. 2 (June 20, 2013): 247. http://dx.doi.org/10.22146/gamaijb.5618.

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This paper attempts to assess the influence of several factors on the repayment rate of the Village Credit Institutions (Lembaga Perkreditan Desa or simply LPDs) in Gianyar district in Bali. Using a quantitative approach (logistic model) the findings of this study indicate that the Balinese social custom, including social values, norms, and sanctions (informal institutions) have an influence on sustaining the high repayment rate of the LPDs. This finding conforms to the some previous studies using institutional approach that reveal the high repayment rate of the LPDs in Gianyar district is influenced by their institutional arrangement that based on custom regulation which includes social norms, sanctions, and involvement of custom village leader in screening process and contractual enforcement of loan (informal institutions), by regulations set up by the Central Bank (formal institutions), and by the mechanism of collecting loan repayments applied by the LPDs management.
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Gine Das Prena and Ketut Tanti Kustina. "Relationship Of Intellectual Capital To Dynamic Capabilities In Village Credit Institutions." GIS Business 15, no. 1 (January 11, 2020): 95–108. http://dx.doi.org/10.26643/gis.v15i1.17894.

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The focus and point of view on this study was the ability of organizational resources (research Base Value/RBV). It was related how the dynamic capability of an organization, especially the village credit institution from the intellectual capital perspective. This research was conducted to get a new update on how the unique configuration of intellectual capital can enhance the ability of companies to empower their dynamic capabilities in order to win the market for the micro finance sector in Bali. In order to identify and formulate the relationship between human capital, social capital, and organizational capital to dynamic capabilities. 109-
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Dissertations / Theses on the topic "Village Credit Institutions of Bali"

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Arsyad, Lincolin, and arsy0002@flinders edu au. "AN ASSESSMENT OF PERFORMANCE AND SUSTAINABILITY OF MICROFINANCE INSTITUTIONS: A Case Study of Village Credit Institutions in Gianyar, Bali, Indonesia." Flinders University. Development Studies, 2006. http://catalogue.flinders.edu.au./local/adt/public/adt-SFU20060621.142512.

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Microfinance institutions have evolved as an economic development tool intended to benefit low-income people. The benefit, however, can only be achieved if the institutions have a good financial and outreach performance. This study has three objectives. The first objective is to assess the influences of informal and formal institutions and their interrelationships on the practical operational arrangement of Village Credit Institutions of Bali (Lembaga Perkreditan Desa or LPD). Second, to evaluate the financial performance and outreach indicators of the institutions and to assess the influence of informal and formal institution on the sustainability of the institutions, which has received little attention from previous studies. Finally, to outline some elements of a strategic business plan for two selected village credit institutions (LPDs) in Gianyar district, LPD Mas and LPD Kerta. By using a case study approach, this study finds that the informal institutions (such as social values, norms, and sanctions) have significant influences on the practical arrangements of the LPDs, including the organisation, recruitment procedure, delivery mechanism, and remuneration system. Along with the influence of informal institutions, the formal institutions have also had some direct influences on the practical operational arrangements of the LPDs that are reflected in the supervision and guidance system of LPDs, an obligation to apply prudential principles of banking, and the remuneration system. The findings also show that the local government regulations (formal institutions) concerning the LPDs have accommodated the informal institutions of the Balinese in the background of their establishment, status and ownership, and organisation of the LPDs. Based on the performance indicators - portfolio quality, leverage, capital adequacy ratio (CAR), productivity, efficiency, profitability, self-sufficiency, and outreach � the LPDs in Gianyar district could be considered as success microfinance institutions. The success is influenced by some important factors. First, the use of local people in managing the LPDs and the application of character-based lending system in screening the clients. This has resulted in a high clients� sense of belonging and moral obligation to support the development of the LPD Second, the use of social (custom) sanctions in the contractual enforcement has forced the borrowers to comply with their credit contract in a timely fashion. Third, the use of local community personnel whose remuneration is based on performance and low transaction costs has resulted in the high efficiency of LPDs. Fourth, a growing economy and supporting government policy at all levels through provision of a legal basis for the LPDs and the Central Bank regulation (formal institutions) have also contributed to the success of the LPDs. Thus, based on the necessary conditions of sustainable microfinance institution proposed by some scholars(Yaron 1994; Christen 1998), it can be concluded that the Gianyar district LPDs have been sustainable, and by that implication they have positive net social benefits for their clients. Any attempt, however, to replicate the achievements of the LPDs by imitating its mode of operations should be conducted with great caution. A mechanism that works well in one socioeconomic environment (in this instance, in Bali) will not necessarily work in another, where the social system including social norms and values are different. But, the experience of the LPDs is a valuable thing since it has highlighted some critical issues that should be considered when handling the complex issue providing financial services to rural people.
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Arsyad, Lincolin. "An assessment of performance and sustainability of microfinance institutions a case study of village credit institutions in Gianyar, Bali, Indonesia /." 2005. http://catalogue.flinders.edu.au/local/adt/public/adt-SFU20060621.142512/index.html.

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Conference papers on the topic "Village Credit Institutions of Bali"

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Sukandya, Nyoman, I. Wayan Rideng, and I. Nyoman Putu Budiartha. "Management of Village Credit Institutions in Buleleng District (Independent Sanction Perspective)." In Proceedings of the 1st Warmadewa Research and Development Seminar (WARDS),30 October 2018, Denpasar-Bali, Indonesia. EAI, 2019. http://dx.doi.org/10.4108/eai.30-10-2018.2281490.

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Wijana, I. Made, I. Ketut Suwintana, Anak Agung Putri Suardani, and I. Gusti Putu Fajar Pranadi Sudhana. "Design and Limited Trial of Financial Planning Web-Based Application Development for Indigenous Communities at Village Credit Institution in Badung Regency, Bali." In International Conference on Applied Science and Technology on Social Science (ICAST-SS 2020). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/assehr.k.210424.028.

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Sutiarso, M., and K. Arcana. "Local Institutions and Social Capital for Agrotourism Development: A Case Study in Sanda Village, Tabanan-Bali." In Proceedings of the 1st Universitas Kuningan International Conference on Social Science, Environment and Technology, UNiSET 2020, 12 December 2020, Kuningan, West Java, Indonesia. EAI, 2021. http://dx.doi.org/10.4108/eai.12-12-2020.2304966.

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Karma, I. Gede Made, and Ni Ketut Sukasih. "Designing Application for Determining the Health Level of Village Credit Institutions with the CAMEL Method." In Proceedings of the International Conference On Applied Science and Technology 2019 - Social Sciences Track (iCASTSS 2019). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/icastss-19.2019.4.

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Susanti, Jeni, I. Gede Made Karma, and Ni Wayan Kurnia Dewi. "Application Development for Assessing the Health Level of Village Credit Institutions Using the RGEC Method." In International Conference on Applied Science and Technology on Social Science (ICAST-SS 2020). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/assehr.k.210424.014.

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Atmadja, Anantawikrama Tungga, Desak Nyoman Sri Werastuti, and Tetra Pujawan. "Internal Control Structure on Distribution of Noncollateral Credit at the Village-Owned Enterprises (BUMDes) “Mandala Giri Amertha” at Tajun Village, Kubutambahan, Buleleng, Bali." In 5th International Conference on Tourism, Economics, Accounting, Management and Social Science (TEAMS 2020). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.201212.026.

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