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.
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Kepramareni, Putu, and Sagung Oka Pradnyawati. "The Effect of Accountability, Responsibility, Independence, and Fairness on the Performance of Klungkung LPDs." Asia Pacific Journal of Management and Education 4, no. 2 (July 21, 2021): 65–73. http://dx.doi.org/10.32535/apjme.v4i2.1143.
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The progress of a country can be seen from its economic growth level. One of the financial institutions that helps the economic sector at the traditional village level in Bali Province is the Village Credit Institution (LPD). LPD performance describes its goal achievement. This research aims to determine the LPD performance of Klungkung with several variables such as accountability, responsibility, independence, and fairness tested using multiple linear regression analysis. The findings show that accountability does not affect LPD performance while responsibility, independence, and fairness positively affect LPD performance.
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Sundarianingsih, Pera, Khusnul Ashar, and Putu Mahardika Adi Saputra. "Social Capital Existence in Bali’s Microfinance: Evidence from Village Credit Institution (LPD)." Journal of Innovation in Business and Economics 2, no. 01 (December 26, 2018): 19. http://dx.doi.org/10.22219/jibe.v2i01.5233.
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Bali has two village governance systems: administrative-village and customary-village. Administrative-village is the extension of government’s authority in administrative aspects. Meanwhile, customary-village (pakraman village) denotes traditional institution that has a function to organize krama (residents) based on the awig-awig (customary law). The role of customary-village is fundamental in carrying on the custom and culture of Bali as well as triggering the economical aspect from the society through Village Credit Institution (LPD). This study is intended to describe the existence of social capital over the LPD by employing inductive-qualitative approach. Social capital over the LPD can improve the societies’ harmony that have been established in advance. Furthermore, the social capital bonding, bridging and linking can be used continuously in social life.
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Suidarma, I. Made, I. Ketut Nurcita, and I. Dewa Nyoman Marsudiana. "Financial development and tourism at the traditional village in Gianyar, Bali: Tri Hita Karana Value." Jurnal Perspektif Pembiayaan dan Pembangunan Daerah 8, no. 6 (February 1, 2021): 561–68. http://dx.doi.org/10.22437/ppd.v8i6.10891.
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Tri Hita Karana (THK) is the foundation and guide of the general Hinduism society in living their life. This study aims to identify THK integration on the synergy Village Credit Institution (LPD) and traditional village and observe the LPD contribution in the financial and tourism development at the traditional village in Gianyar, Bali. An ethnography approach was used to identify the problem. The result found that THK has a substantial role in the existence of LPD, which contributes to the traditional village development, especially in Gianyar. The existence of LPD also contributes significantly to the village's financial development, and the existence of LPD could have a significant impact on society’s knowledge and access to financial and services and promoting the regional tourism potential. This effort is also a form of strengthening and maintaining the sustainable existence of traditional village tourism and improving LPD performance in terms of financing and financial management of traditional villages
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Bandem, I. Wayan, and I. Nyoman Suandika. "Tolak Ukur Pembebasan Pajak Bagi Lembaga Perkreditan Desa (LPD) Di Wilayah Provinsi Bali." Jurnal Ilmiah Raad Kertha 2, no. 2 (July 8, 2020): 58–72. http://dx.doi.org/10.47532/jirk.v2i2.162.
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As Article 1 paragraph (3) of the State Constitution of the Republic of Indonesia is the stateof Indonesia is a state of law. Understanding the rule of law is simply a country whose administrationof power is based on law. and Article 1 paragraph (1) of the 1945 Constitution that the Indonesian stateis a Republican unitary state with a government structure that is the Government, Provincial RegionalGovernment, Regency / City Regional Government and the lowest government is the VillageGovernment which has their respective leaders based on legislation applicable legislation. Inconnection with the establishment of the LPD in article 33 of the 1945 Constitution and in Article 18Bparagraph (2) of the 1945 Constitution of the Republic of Indonesia which reads "that the staterecognizes and respects customary law units and their traditional rights insofar as it is still alive andin accordance with the development of society and the principle of the unitary State of the Republic ofIndonesia, which is regulated in law. So the provincial government of Bali based on the Rural CreditSeminar dated February 21, 1984 in Semarang The Governor of Bali initiated the establishment ofVillage Heritage Institutions (LPD) in the province of Bali in the role of national development with theaim of: 1) Encouraging economic development in rural communities through targeted savings andeffective capital distribution; 2) Eradicating the practice of bondage, illegal pawns, and others in thecountryside; 3) Creating business opportunities for villagers and rural workers, and; 4) Increasingpurchasing power and facilitating traffic payments and circulation So that the authors are interested inexamining the Tax Exemption Benchmark for LPDs in Bali Province with the research method used isjuridical-normative research. Taking into account that the starting point of research on legislation andthe fact that it began from the founding of the LPD in 1984 until now has not been taxed. In the courseof its operation the LPD in Bali by the three Ministers in 2009 issued a Joint Decree of the Minister ofFinance, Minister of Home Affairs, Minister of State for Koprasi and Small and Medium Enterprisesand Governor of Bank Indonesia Number.351.1 / KMK.010 / 2009, Number 900-639A in 2009, Number01 / SKB / M.KUKM / IX / 2009, Number 11 / 43A / KRP.GBI / 2009 concerning the DevelopmentStrategy of Microfinance Institutions. Affirmed through a letter from the Minister of Home AffairsNumber 412.2 / 3883 / SJ dated November 4, 2009 to the managers of institutions microfinance thatdoes not yet have a clear institutional status based on the prevailing laws and regulations. So that theGovernor of Bali Made Mangku Pastika on behalf of the provincial government of Bali submits a Letterof Governor of Bali Number 900/8999 / PLP. Ekbang dated 15 December 2009 to Minister of InternalAffairs The Republic of Indonesia prihal; The Strategy for the Development of MicrofinanceInstitutions. Thus, with the issuance of Law Number 1 of 2013 concerning Microfinance Institutions(MFIs), it was stated that the Village Credit Institutions and Pitih Negari Granaries and institutionsthat existed before the Laws were in effect were declared to be based on adat and not subject to thisLaw. The real benefits of the existence of LPD can be proven by the distribution of net profits each yearas profit retribution by dividing the following: 60% for fertilizing LPD business capital, 10%production services for labor, contributions to Indigenous Villages 20% for development funds inPakraman Village, as well as 5% for social funds, and 5% for empowerment funds deposited by theLPD at the agency / agency that is given the authority to regulate and manage them based on the Perdaand Decree of the Governor of Bali.
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Agus Saputra, I. Nyoman, I. Nyoman Putu Budiartha, and Ni Gusti Ketut Sri Astiti. "Pembebanan Hak Tanggungan dalam Pemberian Kredit Pada Lembaga Perkreditan Desa (LPD)." Jurnal Konstruksi Hukum 2, no. 1 (March 1, 2021): 102–8. http://dx.doi.org/10.22225/jkh.2.1.2977.102-108.
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In 1984, the Provincial Government of Bali issued an idea to help the pakraman village in carrying out its cultural function. With Governor's Letter Number 972 of
1984, November 1, 1984 concerning Village Credit Institutions. This type of research is normative research, the source of legal material consists of primary and secondary legal materials. Analysis of legal materials with interpretation analysis. The results of the study show that the granting of credit to rural Credit Institutions with guaranteed mortgage rights, is set forth in a credit agreement between the LPD and the customer who is also required to get approval from adat Bendesa, in this case to apply adat sanctions when bad credit occurs. The position of adat "sanctions" is as a last resort after other efforts have not been successful with the aim that credit arrears can be repaid. In the application of strict and objective adat "sanctions", it is very necessary, because the adoption of adat "sanctions" based on the existence of nepotism elements can cause a crisis of the banjar / adat community members' trust in the existence of prajuru and awig-awig who have been highly respected and obeyed. Bali Provincial Governor Regulation No. 44 of 2017 binds to the imposition of mortgage rights in the granting of loans to the LPD that only applies to the local traditional village, in this case the LPD is a savings and loan business entity owned by the customary village. Therefore, from the very beginning in the credit agreement an effort was made to form a binding agreement according to the awig-awig of the traditional village and which appeared in the recommendations of the management. If a bad credit occurs, it can be resolved in a village paruman by imposing customary "sanctions" which are part of the power in resolving any violations or disputes that are there because of original autonomy, namely in an effort to provide legal protection for one of its assets. And bad credit customers who do not carry out the obligations as set forth in the credit agreement are imposed with confiscation of collateral that is bound by the imposition of mortgage rights for immovable property.
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Widyati, I. Wayan Sastrawan, Ida Ayu Putu, Ida Ayu Putu Widyati, and Ni Made Puspasutari Ujianti. "Peranan Lembaga Pemberdayaan Lembaga Perkreditan Desa (LPLPD) dalam Penyelesaian Kredit Macet." Jurnal Preferensi Hukum 1, no. 2 (September 15, 2020): 169–74. http://dx.doi.org/10.22225/jph.1.2.2355.169-174.
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The community in Bali is greatly aided by the credit facilities with the existence of the Village Credit Institution (LPD). The institution is the lifeblood of the village’s economy. Looking through the importance of the LPD’s function, it is necessary to have a special institution having the power of empowering the LPD, so the Village Credit Institution Empowering Agency (LPLPD) is established. This study examines the role of the LPLPD in settling bad credit as well as the procedures for settling the bad credit at the LPD. This issue is examined by the normative legal research method. In empowering the LPD, the LPLPD performs its duties through technical strengthening related to administration and bookkeeping, checking, upgrading, LPD security budget management, LPD supply guarantee budget management, LPD liquidity support budget management, and control of LPD problems. LPLPD also seeks to prevent the risk of bad credit arising in the LPD through coaching that has been planned and scheduled in each district. LPLPD takes preventive or initial preventive action with technical guidance such as administrative guidance, bookkeeping including credit guidance. LPLPD does not participate in direct credit problem solving. On the other hand, these institutions provide solutions to LPD administrators to analyse the problem whether the credit process is due to the fault of the process or because the customer is not able to make payment. If the technical or the credit process that is wrong, it is the responsibility of the manager; however, if the process is correct but the customer causes a problem, the process must go through billing in accordance with the credit agreement. If there is already bad credit, the steps that must be taken are billing, restoration and if these are unhelpful then ultimately an credit guarantee auction is carried out.
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Sadiartha, Anak Agung Ngurah Gede. "Lembaga Perkreditan Desa as the economic and socio-cultural capital." International Journal of Research in Business and Social Science (2147- 4478) 9, no. 2 (March 22, 2020): 164–70. http://dx.doi.org/10.20525/ijrbs.v9i2.612.
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Amid the increasingly competitive competition among banking institutions today, the Village Credit Institution ‘Lembaga Perkreditan Desa’ (LPD) belonging to the Pakraman village in Bali is getting stronger. This scientific work discusses LPD as the economic and socio-cultural capital of Balinese society. As a result of qualitative research, the data obtained through literature review, observation and in-depth interviews with nine informants, namely the administrators of the Empowering Institute of LPD of Bali Province and managers LPD Kesiman, Denpasar; LPD Seminyak, Kuta-Badung; and LPD Beraban Kediri. The data analysis was done by a descriptive interpretation by using management theory and Bourdeau social practice theory. The results of the research indicate that as economic capital, LPD proved able to build entrepreneurship and empower local villagers of pakraman. As a social capital, LPD has its own value structure, has a social network and gained the trust of its customers. Furthermore, as a cultural capital, LPD is able to strengthen the tradition of local pakraman villagers and become part of the cultural pillars of Balinese society. It is expected that LPD strengthening will continue to be done according to the needs and development of Balinese people
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Arsyad, Lincolin. "AN ASSESSMENT OF MICROFINANCE INSTITUTION PERFORMANCE: The Importance of Institutional Environment." Gadjah Mada International Journal of Business 7, no. 3 (September 12, 2005): 391. http://dx.doi.org/10.22146/gamaijb.5579.
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This paper aims to assess the performance of Village Credit Institutions (Lembaga Perkreditan Desa or LPD) in Gianyar district, Bali province, Indonesia and its affecting factors –particularly its institutional environment. The performance indicators assessed include financial indicators (such as portfolio quality, leverage, capital adequacy ratio, productivity, efficiency, profitability, and financial viability) and outreach of the LPDs. Institutions here refer to the rules or procedures that shape how agents (people) interact and the organizations that implement the rules and codes of conduct to achieve desired outcomes. Based on data from financial reports of 174 LPDs of Gianyar district in 1999 and 2001, interviews with some stakeholders (clients, chairmen, and member of commissioner board) of the LPDs, and using descriptive analysis approach, this paper reveals that the LPDs have achieved a good performance indicators and been sustainable, and the good performance and sustainability have been very much influenced by institutional environment which includes both formal and informal institutions.
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Sri Ayuni, Ni Made, and Ni Wayan Novi Budiasni. "The Strategy of Bad Loans “Pang Pade Payu” in Village Credit Institution in Buleleng District." International Journal of Social Science and Business 3, no. 4 (November 30, 2019): 542. http://dx.doi.org/10.23887/ijssb.v3i4.21887.
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This research was motivated by a phenomenon in the district of Buleleng related to the number of LPD with conditions that are less healthy to jammed has increased. In addition, the number of LPD that are stuck in Buleleng regency is the highest in Bali. The purpose of this study is to determine the implications of the internal control system and credit policy on the credit settlement strategy, the settlement of bad loans is settled by the principle of “Pang Pada Payu”. The number of samples in this study were 60 LPD selected based on the stratified random sampling method. The data analysis technique used in this study was a structural equation model (seminal structural modeling) based on variance or component based sem with smartpls 3.0 analysis tools. Based on the results of testing the internal control system has a significant positive effect on the strategy of settlement bad loans “Pang Pade Payu” Bad Loans Strategy in LPD in Buleleng Regency. Both credit policies have a significant positive effect on the strategy of settlement bad loans “Pang Pade Payu” Bad Loans Strategy in Village Credit Institutions in Buleleng Regency.
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Astawa, I. Putu. "Credit Risk and Harmonious Values Practice (Study at Village Credit Institution (Lembaga Perkreditan Desa) Of Bali Province)." IOSR Journal of Business and Management 6, no. 4 (2012): 16–20. http://dx.doi.org/10.9790/487x-0641620.
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SUGIANINGRAT, IDA AYU WIDANI, PUTU KRISNA ADWITYA SANJAYA, and PUTU NURATAMA. "PEMBERDAYAAN PENGELOLA LEMBAGA EKONOMI KOMUNITAS ADAT MELALUI PENGUASAAN TEKNOLOGI INFORMASI DI DESA JUNGUT KABUPATEN KLUNGKUNG, BALI." JURNAL SEWAKA BHAKTI 2, no. 1 (April 25, 2019): 21–34. http://dx.doi.org/10.32795/jsb.v2i1.288.
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Village Credit Institutions are quite capable of accelerating the economy of traditional village manners to advance and make a significant contribution to village development. But in the midst of the frenzy of the era of digitalitation revolution 4.0 characterized by automation demanding a movement for renewal in the LPD in order to be able to compete with similar institutions. The fundamental problems of LPD that are most prominent are the capacity of Human Resources in terms of management, use of information technology, especially in the preparation of financial statements. In the digitalization era, every business actor must prepare himself to enter the 4.0 industrial revolution. For this reason, business actors are expected to maximize the use of information technology, one of which is in the preparation of financial statements. However, currently there are not many microfinance institutions that use information technology to carry out the recording of their financial statements. LPD still records finance conventionally. Of course this if it is not immediately followed up will pose a risk of loss in the future. Solution to problem solving is done by conducting socialization, mentoring the preparation of financial statements. The implementation method is carried out in several stages, beginning to provide an understanding of the importance of the use of information technology, conducting training in information technology-based financial report training, lastly assisted to solve problems related to the preparation of financial statements. The hope after this activity ends is that LPD is able to carry out its business activities independently to prepare financial reports and carry out evaluations of business activities and in the long run the LPD will develop and be able to torch accelerate the economy of the local village.
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Saputra, Komang Adi Kurniawan. "INTEGRATION OF ACCOUNTING INFORMATION SYSTEMS AND GOOD CORPORATE GOVERNANCE IN VILLAGE CREDIT INSTITUTION IN BALI." Research in Management and Accounting 1, no. 2 (December 2018): 61–72. http://dx.doi.org/10.33508/rima.v1i2.2592.
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Ruspendi Junaedi, I. Wayan, I. Wayan Damayana, Dermawan Waruwu, and I. Gusti Bagus Rai Utama. "Peran Lembaga Perkreditan Desa dalam Pengembangan Kewirausahaan Sosial Masyarakat Bali." Jurnal Kajian Bali (Journal of Bali Studies) 11, no. 1 (April 2, 2021): 201. http://dx.doi.org/10.24843/jkb.2021.v11.i01.p12.
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This study aims to determine the role of the Village Credit Institution (LPD) in increasing social entrepreneurship by conducting interpretive ethnographic research through in-depth interviews with village traditional managers and residents as informants to obtain detailed descriptions of behavior, values ??, and attitudes related to the development of LPD in Bali. The results showed that the LPD has played a role in the development of social entrepreneurship in Balinese in the form of (1) initiating the development of social entrepreneurship; (2) playing a role in the development of social entrepreneurship extracted from the existing social capital in Balinese; (3) increasing a social entrepreneurial spirit in the form of the desire to social values creativity, the existence of economic activities; community empowerment, and resource mobilization; (4) increasing business embryos and social-based business development to increase income and improve family and community welfare. So that suggestions for the community are to maintain the LPD to build social entrepreneurship.
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Widhianthini, Widhianthini, and A. A. A. Wulandira Sawitri Djelantik. "Model Perencanaan Kawasan Pertanian di Kabupaten Karangasem, Provinsi Bali Pasca Erupsi Gunung Agung." Journal of Regional and Rural Development Planning 3, no. 1 (April 22, 2019): 11. http://dx.doi.org/10.29244/jp2wd.2019.3.1.11-22.
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<p class="ISI-Paragraf">Karangasem is one of the regencies in Bali Province that has potential in the agricultural sector, in addition to Tabanan Regency. Contribution of the agricultural sector of Karangasem Regency amounted to 14.74% of the GDP of Bali Province. Large potential of the agricultural sector can also be seen from the livelihoods of the population, where majority (50.61%) work as farmers (Statistics of Bali Province, 2017). In November 2017, Mount Agung erupted, impacted the development of sectors in Karangasem Regency, including the agricultural sector. This research is intended to determine the competitiveness of the agricultural sector (especially the food crop subsector) and the planning model of agricultural areas in the regency. Location selection is done purposively with the consideration that it has the lowest economic growth rate after Jembrana Regency and has experienced Mount Agung eruption in 2017. Research method used are Shift Share Analysis and Dynamic Modeling. Especially for Dynamic Modeling, an analysis of economic aspects was carried out. Results shows that agricultural sector in Karangasem Regency can still compete with other regions in Bali Province. The agricultural sector, especially paddy fields in the last five years (in 2012-2017), was still able to contribute to the increase of the regency's Gross Regional Domestic Product (GRDP) and community income if the agricultural area management model is implemented in an integrated manner between farmers, Village Credit Institutions, and local customary villages.</p>
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Suadi, Suadi, Ratih Ineke Wati, and Nakagawa Mitsuhiro. "Innovation in Financing Coastal Village Development through Community-Owned Microfinance Institution: A Case Study of Village Credit Institution (LPD) Kedonganan Bali [Inovasi Pembiayaan Pembangunan Desa Pesisir Melalui Lembaga Keuangan Mikro Berbasis Masyarakat: Studi Kasus di Lembaga Pekreditan Desa (LPD) Kedonganan Bali]." Jurnal Ilmiah Perikanan dan Kelautan 11, no. 2 (October 25, 2019): 1. http://dx.doi.org/10.20473/jipk.v11i2.15733.
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AbstractMicrofinance institutions (MFIs) is a worldwide movement. This study aims to describe the key conditions in the rapid development of community-owned MFIs, namely LPD (Lembaga Perkreditan Desa/Village Credit Institution), through case study in LPD Kedonganan Village, Badung Regency of Bali. This village was selected for few reasons i.e. the shifting of people livelihood from fishery-based to tourism-related livelihood, the well-manage of coastal commons for fishery, tourism spot, and religious-related activities. Data collection was conducted through several visits during 2007 to 2018. This research adopted qualitative approach through observation and depth-interview with local leaders, MFI managers and users to discover their perspective about the MFI. Secondary data was also collected from various reports of LPD Kedonganan. The study showed that LPD was established, owned, and managed by the community through a custom village. LPD distributed credits to various components of the society and business including tourism and fisheries-related business, in and out of village territory, and to male and female customers, with various types, scales, and sectors. The healthy financial performance of the institution was clearly depicted by its rapidly growing profit and equity, and its low percentage of a non-performing loan for more than three decades. The better growing LPD has attracted various socio-economic investments in the grass root, for example a collective-owned and managed seafood restaurant. Overall, the study identified that the community had made such successful and sustainable collective-owned resource arrangement. The arrangement had been evolved and built by sharing rules linked to community values, customs and faith. As a result, the emerging institutions had contributed remarkable roles to rural socio-cultural and economic development and showed the opportunity to enhance some cooperative behaviors for sustainable governance of resources and rural livelihood. AbstrakLembaga keuangan mikro (LKM) telah menjadi gerakan yang mendunia. Penelitian ini bertujuan untuk menggambarkan faktor-faktor keberhasilan pengelolaan LKM berbasis masyarakat, yaitu LPD (Lembaga Perkreditan Desa), melalui studi kasus di LPD Desa Kedonganan, Kabupaten Badung Bali. Desa ini dipilih karena beberapa alasan antara lain terjadi pergeseran cepat sumber penghidupan masyarakat dari berbasis perikanan (sektor primer) ke pariwisata (sektor tersier), desa mampu mengelola sumberdaya milik bersama di pesisir secara baik untuk kegiatan perikanan, tempat wisata, dan kegiatan terkait keagamaan/budaya. Pengumpulan data dilakukan melalui beberapa kunjungan selama tahun 2007 hingga 2018. Penelitian ini mengadopsi pendekatan kualitatif melalui observasi dan wawancara mendalam dengan para pemimpin lokal, manajemen LPD, dan pengguna untuk memahami perspektif mereka tentang LKM. Data sekunder juga dikumpulkan dari berbagai laporan LPD Kedonganan. Penelitian ini menunjukkan bahwa LPD didirikan, dimiliki, dan dikelola oleh masyarakat melalui desa adat. LPD mendistribusikan kredit ke berbagai komponen masyarakat dan bisnis termasuk pariwisata dan bisnis terkait perikanan, melingkupi pengguna dalam dan luar wilayah desa, dan kelompok laki-laki dan wanita, dengan berbagai jenis, skala, dan sektor ekonomi. Kinerja keuangan lembaga yang sehat secara jelas ditunjukkan dengan laba dan ekuitasnya yang berkembang pesat, dan rendahnya pinjaman bermasalah selama lebih dari tiga dekade. LPD yang tumbuh lebih baik telah menarik berbagai investasi sosial-ekonomi di masyarakat, misalnya restoran makanan laut yang dimiliki dan dikelola secara kolektif. Secara keseluruhan, penelitian mengidentifikasi bahwa masyarakat mampu mengelola sumber daya yang dimiliki secara kolektif secara menguntungkan dan berkelanjutan. Model pengelolaan tersebut telah dikembangkan dan dibangun dengan berbagi aturan yang terkait dengan nilai-nilai masyarakat, adat istiadat, dan kepercayaan. Model kelembagaan ini telah berperan peran penting bagi pembangunan sosial-budaya dan ekonomi pedesaan dan menunjukkan peluang untuk meningkatkan perilaku kerja sama untuk tata kelola sumber daya dan mata pencaharian pedesaan yang berkelanjutan.
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Prena, Gine Das, and Luh Gede Putri Kusuma Pekerti. "Aktivitas Sosial, Aktivitas Budaya Dan Agama Terhadap Dana Pihak Ketiga Lembaga Perkreditan Desa (LPD) (Case Kabupaten Tabanan Bali)." Jurnal Ilmiah Satyagraha 2, no. 2 (June 8, 2020): 75–90. http://dx.doi.org/10.47532/jis.v2i2.65.
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This study aimed to determine the existence of social activities, cultural activities, religious activities on third party funds LPD Tabanan Regency in 2017. The study was conducted in all LPD in Tabanan Regency. The method of determining the sample used in this study is the saturated sampling method and obtained 243 LPD that meet the criteria for sampling. The type of data used is in the form of quantitative data, namely LPD financial reports registered throughout Tabanan Regency. The analytical method used is the classic assumption test, multiple regression analysis, analysis of determination, F-Test and t-test. The results of this study indicate that social activities, cultural activities and religious activities have a significant positive effect on LPD third party funds. The implications of this research for rural credit institutions, strived to continue to improve the empowerment of third party funds for social, cultural and religious activities carried out in the village.
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Mashudi, I. W. Sudirman, I. G. W. Murjana Yasa, and I. A. N. Saskara. "EFFECT OF GOVERNMENT ROLE, SOCIAL CAPITAL AND ORIENTATION OF SOCIAL ENTREPRENEURSHIP ON PERFORMANCE OF VILLAGE CREDIT INSTITUTION IN BALI PROVINCE, INDONESIA." Russian Journal of Agricultural and Socio-Economic Sciences 83, no. 11 (November 30, 2018): 84–102. http://dx.doi.org/10.18551/rjoas.2018-11.10.
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Irvan, I. Putu, and Ni Nyoman Yuliarmi. "Analysis of impact factors on farmers income." International research journal of management, IT and social sciences 6, no. 5 (September 4, 2019): 218–25. http://dx.doi.org/10.21744/irjmis.v6n5.731.
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The role of the Agriculture Sector is very important in the economy of most developing countries. Increasing agricultural productivity is a priority for achieving sustainable yield improvements and improving agricultural technology and management, improving groundwater and post-harvest management. Bali Province is a province that has potential in the agricultural sector. Various policies have been made by the government in increasing agricultural production such as irrigation development, production input subsidies, farm credit, and institutional development. The large role of agriculture in the GRDP should indicate the level of welfare of farmers. The research objectives are 1) analyzing the effect of labor, land area, production costs, and cultivation techniques on production, 2) analyzing the effect of labor, land area, production costs, cultivation techniques, and the amount of production on income, 3) analyzing technology as a variable moderating between labor towards production, 4) analyzing technology moderating between labor variables on income. The study was conducted in Jatiluwih Village, Penebel District, Tabanan Regency with a sample of 135 people from 400 rice farmers in Jatiluwih Village.
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Junaedi, I. Wayan Ruspendi, Donald Samuel Slamet Santosa, and Dermawan Waruwu. "Peran lembaga perkreditan desa bagi anggota pada masa pandemi Covid-19." Jurnal Manajemen Maranatha 20, no. 2 (May 12, 2021): 91–98. http://dx.doi.org/10.28932/jmm.v20i2.2888.
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This study analyzes the role of village credit institutions (in Indonesian is abberviated LPD) for members during the Covid-19 pandemic. This research is a qualitative phenomenological research. The research was conducted during the Covid-19 pandemic due to observance of health protocols. Research data were collected from primary sources (research informants) with interview techniques, observation, and focus group discussion. The data collected was validated by triangulation of sources and methods. The data were then analyzed using the Spradly domain model analysis technique. The results of the study found three LPD roles for members during the Covid-19 pandemic as follows: (1) productive roles: financial solutions for members based on kinship principles; (2) the role of macro social responsibility: resources for the collective collective of members; (3) the role of micro social responsibility: resources for the needs of individual members.
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Junaedi, I. Wayan Ruspendi, I. Wayan Damayana, Dermawan Waruwu, and I. Gusti Bagus Rai Utama. "Indigenous Peoples' Economic Empowerment Model as a Strategy in Accelerating National Economic Development." Technium Social Sciences Journal 13 (October 14, 2020): 168–83. http://dx.doi.org/10.47577/tssj.v13i1.1838.
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Customary-based economic institutions aim to maintain the local wisdom of the community and accelerate national economic development. The economic life of the community has increased welfare through the empowerment of their customs. In the first year (2019) conducted research on indigenous peoples in 3 provinces: Bali which succeeded in developing the Village Credit Institution (LPD), the Batak indigenous people in North Sumatra succeeded in developing CU Ate Keleng, and the indigenous Dayak people in Central Kalimantan succeeded in developing CU Betang Asi. In the 2nd year (2020) conducted research on the indigenous peoples of 3 provinces: Betawi in DKI Jakarta which succeeded in developing the service cooperative "Jakarta Tentram Sejahtera", the Sundanese indigenous people in West Java succeeded in developing the North Bandung Cattle Breeders Cooperative (KPSBU) Lembang and Social Entrepreneurship The Big Price Cut Group, and the Acehnese indigenous people in Aceh have succeeded in developing the economy with the Baitulmal concept. With this business sector, it can empower indigenous peoples and at the same time improve the economy and welfare of their people. The empowerment of indigenous peoples is based on the concept that every member of the community has an obligation to support their respective customary activities. The customary institutions or types of businesses that exist in each location of this research aim to make it easy for the community to get capital in developing their respective businesses and in selling their products. With the existence of this financial institution, indigenous people experience an increase in their economy and welfare. To achieve this goal maximally and to find a model of economic empowerment for indigenous peoples that can be used as a model for the economy throughout Indonesia, in the 3rd year (2021) research will be continued in the Provinces of Maluku, West Sumatra, and South Sulawesi. In general, this research aims to produce an economic model for indigenous peoples as a strategy to accelerate national economic development. Specific objectives: To find out how indigenous peoples develop their economic systems; to identify forms of economic institutions for indigenous peoples in Indonesia, and to formulate a model for the economic empowerment of indigenous peoples as a strategy for accelerating national economic development. Researchers used qualitative and quantitative descriptive methods (mixed method) with a comparative case study type. Thus, this research is expected to obtain a model in order to accelerate national economic development. Data were collected and analyzed by means of observations, interviews, and documents. The mandatory output of this research is the economic model of indigenous peoples.
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Sundarianingsih, Pera. "DALAM MENGGERAKKAN SOSIAL EKONOMI MASYARAKAT PEDESAAN (Studi Pada Lembaga Perkreditan Desa (LPD) Desa Adat Pekutatan)." Jurnal Ekonomi Pembangunan 12, no. 1 (July 1, 2014): 69. http://dx.doi.org/10.22219/jep.v12i1.3656.
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This study aimed to evaluate the success of Village Credit Institutions in moving the social economy of rural communities. The indicator that shows the success Village Credit Institutions observed from three (3) aspects, namely Management, Financial Performance, and the role of socio-economic Village Credit Institutions in mobilizing rural communities. The results of this study can be concluded that Village Credit Institutions Management Pekutatan Village People is good enough. Financial performance Village Credit Institutions Village People Pekutatan terms of aspects Capital, Assets, Earnings, and Liquidity obtained by total final value respectively by 100, it is given a healthy predicate. Traditional Village Pekutatan Village Credit Institutions role in moving the social economy of rural communities is not a financial institution that is solely for the benefit / pure business concept but as a socially minded funding institutions regilius.
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Putra, I. Gede Cahyadi, I. Ketut Sunarwijaya, and I. Gusti Ngurah Bagus Gunadi. "The Role of Good Corporate Governance in Enhancing the Performance of Village Credit Institutions." International Journal of Accounting & Finance in Asia Pasific 4, no. 1 (February 27, 2021): 96–103. http://dx.doi.org/10.32535/ijafap.v4i1.1036.
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Good corporate governance is corporate governance that explains the relationship between all interested parties in a regulated and organized business. The principles of good corporate governance should be also applied by village credit institutions to improve their performance. This research aims to examine and obtain empirical evidence of the influence of good corporate governance principles, including transparency, accountability, responsibility, independence, and fairness, on the performance of village credit institutions in Blahbatuh District. This study involved 36 samples of village credit institutions with 108 respondents, determined by saturated sample techniques. The data were analyzed by multiple linear regression after instruments and classical assumption testings. The results showed that the principles of good corporate governance have a positive effect on the performance of village credit institutions in Blahbatuh District.
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Dewi, Ni Putu Ayu Anistya, and I. Putu Anom. "Peranan Desa Adat Intaran Dalam Pengelolaan Pantai Mertasari Kecamatan Denpasar Selatan." JURNAL DESTINASI PARIWISATA 5, no. 1 (October 31, 2018): 56. http://dx.doi.org/10.24843/jdepar.2017.v05.i01.p11.
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Bali is one of the tourist destinations that is growing rapidly in Indonesia. Most people when they hear about bali island are synonymous with exotics beach. Bali is famous with the beautiful beach panorama. One of tourist attraction in the Bali Island is Mertasari Beach. Mertasari beach is an indigenous Intaran village. In tourism management is done one way to approach community institutions, namely the indigenous village institutions.
Intaran village is one of the indigenous villages that located in South Denpasar District. In terms of management in Mertasari Beach, Intaran village started to build a management in December 2014 by forming BUMDES (Owned Indigenous Village). However, management Mertasari Coast has not fully given to the village. In conducting the study authors used data collecting observation, interviews, documentation studies and literature studies with similar previous studies. These results indicate that the role of Indigenous Village in Beach Intaran in the management of Mertasari terms of existing management stage such as: Planning (Planning) covers, community empowerment programs, increase sustain ability in Mertasari Beach, improve hygiene in Mertasari Beach and financial planning. Organizing (Organizing) includes, forming management organizational structure is accompanied by a clear task. Mobilization of people (Actuating) include, mobilize communities in managing Mertasari Beach, and Supervision (Controlling) include, supervision in the field of employment, supervision in the field of security and supervision of the trader.
Keywords: Management, Role, Indigenous Village
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Adyatma, I. Wayan Chandra, and Made Dwi Harmana. "Efektivitas Penggunaan Kredit Usaha Terhadap Produktivitas UKM dan Pendapatan UKM Anggota Koperasi di Kelurahan Padangsambian, Kecamatan Denpasar Barat, Provinsi Bali." WICAKSANA: Jurnal Lingkungan dan Pembangunan 4, no. 2 (November 23, 2020): 52–63. http://dx.doi.org/10.22225/wicaksana.4.2.2679.52-63.
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The purpose of this research is to determine the effectiveness of credits on the SMEs productivity and the income of cooperative members' SMEs in Padangsambian Village. The analytical tool that used on this research is the SEM analysis of Partial Least Square (PLS). This study uses primary data conducted by distributing questionnaires to SMEs that borrow business loans on the Padangsambian Village as many as 100 respondents. The results of the research analysis test show (i) The effectiveness of the use of business credit has a positive and significant effect on the productivity of SMEs in Padangsambian Village. (ii) Productivity of SMEs has a positive and significant effect on the income of SMEs in Padangsambian Village. (iii) The effectiveness of the use of SME business credit in Padangsambian Village has a positive and significant effect on the income of SMEs in Padangsambian Village through the productivity of the UKM.
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Budiasni, Novi, Sri Ayuni, and Wulan Sari Sanjaya. "Sustainability Performance of Village Credit Institutions (LPD) in Buleleng Regency." International Journal of Social Science and Business 2, no. 4 (December 19, 2018): 209. http://dx.doi.org/10.23887/ijssb.v2i4.16330.
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Measurement and Performance appraisal are the important component of the Village Credit Institution (LPD). The management can also use LPD performance measurement as a tool to evaluate its business performance. There is a weakness in performance measurement, namely performance measurement that only measures financial performance, but has not been able to fully describe the condition of LPD to non-financial performance. This research was explanatory with the form of causality between variables. The number of LPD to be sampled were 59 LPD. The data analysis technique used in this study was SEM-PLS. Based on the results of hypothesis testing showed that the performance of the non-financial perspective has a significant positive effect on the performance of the financial perspective of the LPD in Buleleng Regency. Second, the performance of non-financial perspectives has a significant positive effect on the performance of a social perspective based on Tri Hita Karana LPD in Buleleng Regency. The three financial perspective performance and non-financial perspective performance have a significant positive effect on the performance of a social perspective based on Tri Hita Karana LPD in Buleleng Regency.
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Gede Sadiartha, Anak Agung Ngurah. "Contra hegemony in village credit institutions (LPD) in Badung regency." International Journal of Advanced Multidisciplinary Research 4, no. 3 (March 30, 2017): 1–10. http://dx.doi.org/10.22192/ijamr.2017.04.03.001.
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Nyoman Widastra, Paskalis, Anak Agung Ngurah Anom Kumbara, Anak Agung Bagus Wirawan, and I. Gede Mudana. "The Customary Village Hegemony in Bali Towards Minority Groups." International Journal of Multicultural and Multireligious Understanding 7, no. 7 (August 8, 2020): 450. http://dx.doi.org/10.18415/ijmmu.v7i7.1866.
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For the Balinese, customary villages are social realities that are accepted as given. It exists as a social institution that competes with existing institutions, especially government agencies such as the service village. Its existence is only felt when it clashes with rights that intersect with heterogeneous community life in ethnicity and religion. In this study, the customary village is understood as an important institution that must be given space because of the history and also the role that has been played in maintaining the security and comfort of Bali. But in the perspective of minority groups, its presence becomes a hegemonic institution that threatens the diversity of Balinese society.Through a deconstruction approach, customary villages in Bali Province Regulation No. 4 of 2019, is expected to continue to provide benefits to build togetherness in plurality.
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Wiasta, I. Wayan, I. Wayan Eka Arta Jaya, and Luh Gede Lilis Widyasanthi. "Implikasi Penunjukan Desa Adat Sebagai Subyek Hak Atas Tanah Terhadap Eksistensi Tanah Adat (Study Pada Desa Pejeng Kelod Kabupaten Gianyar)." Jurnal Ilmiah Raad Kertha 3, no. 2 (August 31, 2020): 20–30. http://dx.doi.org/10.47532/jirk.v3i2.216.
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The customary land in Bali is known as the Druwe Desa land which is under the authority of the adat village. Traditional village is a term used to refer to religious social institutions that oversee the unity of indigenous and tribal peoples that exist in every village in Bali. Customary villages have the right to autonomy from traditional law to regulate their own households, known as awig-awig. With the promulgation of Bali Provincial Regulation Number 4 of 2019 concerning Customary Villages in Bali further strengthens the existence, functions and duties of traditional villages. So that customary villages are recognized as legal subjects to ownership of land rights. So that customary land in Bali can be registered as communal property rights based on the Decree of the Minister of Agrarian Affairs and Spatial Planning / Head of the National Land Agency Number 276/KEP-19.2/X/ 2017 through Complete Systematic Land Registration in order to guarantee legal certainty. But in fact, there is a concern about the transfer of rights so that it affects the existence of customary land. The specific purpose of this study is to analyze the implications and strategies in maintaining the existence of customary land in the village of Pejeng Kelod. The strategy of maintaining the existence of customary land itself is strengthened by awig-awig and forming a good governance system
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Pantiyasa, I. W. "Konstruksi Model Pengembangan Desa Wisata menuju Smart Eco-Tourism di Desa Paksebali, Klungkung, Bali." Jurnal Kajian Bali (Journal of Bali Studies) 9, no. 1 (April 27, 2019): 165. http://dx.doi.org/10.24843/jkb.2019.v09.i01.p08.
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This article was aimed to formulate the construction of tourism village development model towards smart eco-tourism in Paksebali village, Kungkung regency, Bali. The methods of collecting data included observation, interview, documentation, and Focused Group Discussion. The data were analysed using qualitative method and SWOT analysis. The findings showed that the political will of the government in Klungkung regency and Paksebali village, as well as the participation of the local community had a great contribution to the development of the tourism village. The analysis of internal and external factors were used to formulate alternative development strategies that included conservation and revitalization of arts and culture, nature and environment conservation. Village tourism product development was conducted in a gradual and sustainable manner. Improvement of facilities and infrastructure, included HR Quality Improvement, Strengthening tourism village institutions, marketing systems, and increasing community participation.
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Jayanthi, N. M. D., Suhariningsih, R. Safa’at, and S. Hamidah. "THE CONCEPT OF SEKALA NISKALA IN CREDIT AGREEMENTS AT LABDA PACINGKREMAN DESA BALI TRADITIONAL VILLAGE." Russian Journal of Agricultural and Socio-Economic Sciences 115, no. 7 (July 4, 2021): 28–35. http://dx.doi.org/10.18551/rjoas.2021-07.03.
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Mariet Ocasio, Vange. "Financing village enterprises in rural Bangladesh." International Journal of Development Issues 15, no. 1 (April 4, 2016): 76–94. http://dx.doi.org/10.1108/ijdi-09-2015-0057.
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Purpose The purpose of this paper is to explore the factors that determine non-farm enterprise revenue and to empirically test the association between access to credit, credit source and firm performance among poor entrepreneurs in rural Bangladesh. Design/methodology/approach Using a Bangladesh Institute of Development Studies and World Bank survey from over 1,700 households in rural Bangladesh, a panel data model is used to control for unobserved heterogeneity among households and explore the determinants of non-farm revenue. Findings The findings suggest that village infrastructure and household labor assets have a positive impact on enterprise development. The findings reveal that the use of rural credit as a production input is important in augmenting revenue for the non-farm enterprise, but there are differential effects by credit source. Research limitations/implications Because the study uses data from a quasi-experimental survey design, unobserved effects that can bias the results must be controlled for. Also, as credit program impacts can be location-specific, caution in generalizing the results of this study must be exercised. Practical implications This study provides evidence on the positive effects of microcredit, family assets and family social capital on economic outcomes and microenterprise growth for poor entrepreneurial households. If enterprise growth is important for development, greater understanding of the determinants of microenterprise performance and the role of credit in the success of microfirms is beneficial for policymakers and the institutions that finance small-scale production. Social implications If it is agreed that entrepreneurship is important in promoting development, self-sufficiency and positive economic outcomes (Yunus, 2007), then credit program design should focus on both the credit needs of the poor and the dynamics inherent in enterprise development for this group of entrepreneurs. Originality/value This paper expands the limited literature on the determinants of microenterprise growth and the role of credit in microenterprise development by tracing a positive link between village infrastructure, family demographics and access to credit. The identification of the factors that determine non-farm enterprise revenue is important for policymakers because enterprise growth is perceived as essential for economic development.
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Hardana, Andrean Eka, Destyana Ellingga Pratiwi, Dian Islami Prasetyaningrum, Sugeng Riyanto, and Mangku Purnomo. "Study of microfinance farmer to make decision for formal and informal credit." E3S Web of Conferences 306 (2021): 02050. http://dx.doi.org/10.1051/e3sconf/202130602050.
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The study aimed to identify the microfinance implementation by horticultural farmers and analyze the factors influencing the horticultural farmers’ decision to choose the financial institutions. The research location was carried out in two areas, namely (a) Wonomulyo Village, Poncokusumo Subdistrict, Malang Regency, dan (b) Pacet Village, Pacet Subdistrict, Mojokerto Regency. The sample determination was carried out using the Slovin formula using the proportional stratified sampling method. The total sample was 160 farmers. Descriptive and logistic regression analysis (logit) were used to answer the objective of the study. Formal institutions assigne1d to channel the funds include government banks and private banks. Informal institutions that carried out micro-credit funds were the private sector or institutions from the farmers themselves. The majority of farmers knew that the rate level of formal financing sources was lower, but the administrative procedures were considered problematic. The regression's results showed that the factors influenced the decisions of Horticulture farmers to take micro-finance access, including education, length of business, interest rate, and loan amount.
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Lestari, Ni Putu Nina Eka, I. Nyoman Rasmen Adi, Ni Nyoman Reni Suasih, and Alit Sumantri. "Mapping the Potential and the Development of Kendran as a Tourism Village Model in Bali." Jurnal Bali Membangun Bali 1, no. 3 (December 6, 2020): 193–220. http://dx.doi.org/10.51172/jbmb.v1i3.143.
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Purpose: (1) Compile a baseline study of the potential of tourist objects and attractions as well as the readiness of community participation in the Community Based Tourism development model and forms of collaboration with relevant stakeholders; (2) Strengthening institutional and community empowerment in developing Kendran Tourism Village, as a community-based tourism village; and (3) Establishment of cooperation models and policies that can be developed by local governments and related stakeholders.
Research methods: the method of documentation, questionnaires, interviews, and FGD. The collected data was then analyzed using existing condition analysis techniques, ADO-ODTWA assessment, participatory rural analysis (PRA), SWOT analysis, MACTOR analysis, and MULTIPOL analysis.
Findings: Kendran Village as a tourist village, as well as its readiness for development were quite potential. The main policies that need to be prioritized include increasing the capacity of rural communities, strengthening village tourism institutions, packaging attractions / attractions for creating branding, and expanding and maintaining markets.
Implications: the development of a single destination tourist village is the creation of branding, while the policy to increase the capacity of rural communities has the highest value in the multiple destination tourist village scenario. Tourism development policy in the Province of Bali refers to the concept of sustainable and quality tourism, through various multi-sector policies.
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Yarikipati, Jaya Priyadarshini, and Srinivasa Rao Pinamala. "Village Level Analysis of Credit and Livelihood Enhancement of Microfinance in Andhra Pradesh." Journal of Global Economy 10, no. 1 (March 27, 2014): 37–60. http://dx.doi.org/10.1956/jge.v10i1.328.
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Micro finance as an institution are seen to have characteristics that help to solve the problems of moral hazard and adverse selection, which are the existing problems of rural credit institutions which other institutions failed to do. Group lending, peer monitoring and joint liability systems solve the adverse selection and moral hazard issues associated with rural credit markets. This study also focused in finding out the impact of micro finance programme on poverty, money lenders, women empowerment and living standards of the rural poor based on the primary and secondary data collected from Kamavarapukota mandal in Andhra Pradesh in India. Using primary data collected from the filled survey through the constructive schedules and personal interview to estimates the linkages between microfinance and its impacts on rural credit facilities, dependency ratio of money lenders for their credit needs, reduction of rural poverty, and empowerment of women in socio-economic activities. The conclusion of this study, clearly states that the introducing microfinance inducing the overall improvements of their credit facilities as well as augmentations of their livelihood facilities in different sections of the society. Further positive effects of this programme is that to reinforcements of vulnerable groups or targeted population Particularly, SCs, STS, OBCs and other weaker section of the society directly to empower and to participate in social, economic,  and political activities
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Gede Sadiartha, Anak Agung Ngurah, and Gusti Ayu Mirah Apsari. "Role of Satisfaction in Mediating the Effect of Services Quality on the Customers’ Loyalty in the Village Credit Institutions of Pekraman, Indonesia." Journal of Business and Social Review in Emerging Economies 4, no. 2 (December 31, 2018): 147–62. http://dx.doi.org/10.26710/jbsee.v4i2.441.
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Loyalty is a deep commitment to repurchase a product or service that becomes a preference consistently in the future by repurchasing the same product. The problem formulation in this study is how are the direct and indirect effects of services quality through satisfaction on the consumers’ loyalty. This study aims to know the direct and indirect effect of services quality through satisfaction on the consumers’ loyalty. The study was conducted by the village credit institution of Pekraman, Tabanan located in Gajah Mada street 107, Tabanan. The number of samples is 94 customers with slovin’s formula and accidental sampling method. The techniques of data collection used were interviews, documentation, literature review and questionnaire. The research instruments used were validity test and reliability test. The technique of data analysis used was path analysis with sobel test. Based on the result of calculation, it showed that the services quality had a positive and significant effect on the customers’ satisfaction in the village credit institution of Pekraman, Tabanan as many as 0,000 < 0,05. Thus, H0 was rejected and H1 was accepted. The customers’ satisfaction had a positive and significant effect on the customers’ loyalty in the village credit institution of Pekraman, Tabanan as many as 0,000 < 0,05. The services quality had a positive and significant effect of the customers’ loyalty in the village credit institution of Pekraman, Tabanan as many as 0,000 < 0,05. Thus, H0 was rejected and H3 was accepted. Based on the result of calculation, it showed that Zcount (5,323)> Z table (1,96). Thus, the customers’ loyalty can mediate the relationship between customers’ services quality and loyalty on the village credit institution of Pekraman, Tabanan. For the services quality, it is needed to improve the services given to the customers. For instance, it is provided the more exciting interest adjusted to the type of savings chosen by the customers so they will feel more satisfied and can develop their loyalty
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Damayanti, Ni Putu Era Prasistya, I. Nyoman Gede Ustriyana, and AAA Wulandira Sawitri Djelantik. "THE ROLE OF LOCAL CREDIT INSTITUTIONS (LPD) IN DISTRIBUTING AGRICULTURAL CREDIT IN PENATIH VILLAGE, DISTRICT OF EAST DENPASAR, DENPASAR CITY." Agrisocionomics: Jurnal Sosial Ekonomi Pertanian 3, no. 2 (November 30, 2019): 87–97. http://dx.doi.org/10.14710/agrisocionomics.v3i2.4861.
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Local credit institution (LPD) is financial enterprise that owned by the village to carry out business activities in that village and or the villagers. In its development, LPD has a imperative role that is not far from the goal of establishing LPD its sel, viz. Encouraging the development o rural economic throughraising the unds, distribute the loan for the community, create equal opportunities for business activities and employment opportunities for villagers.This study aims to determine characteristics of the agricultural debtor in LPD Desa Adat Penatih, the criteria for amount of agricultural credit distributed in LPD Desa Adat Penatih, the procedure for distributing agricultural credit in LPD Desa Adat Penatih and also the interference in repayment of credit in LPD Desa Adat Penatih. The location of this study were selected purposively. Data used in this study is qualitative data and quantitative data.The result of the study showed that the characteristics of the agricultural debtor in the LPD Desa Adat Penatih are seen from age and gender, the number of family dependents, the level of education, the criteria for amount loan and the business fields. The amount of agricultural credit distributed in LPD Desa Adat Penatih base of the collateral value for collateral provided by debtor. The procedure for distributing agricultural credit in LPD Desa Adat Penatih starts by of the loan application, analysis or assessment of credit, credit decision, disbursement and loan administration. There is no interference to LPD Desa Adat Penatih in repayment of agriculture credit. Both in terms of repayment period and credit collectibility.
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Ludji, Ferdinand, David Samiyono, and Izak Y. M. Lattu. "“Menyama Braya”: Pondasi Utama Relasi Dialog Agama-Agama di Desa Dalung, Bali." Anthropos: Jurnal Antropologi Sosial dan Budaya (Journal of Social and Cultural Anthropology) 5, no. 2 (January 6, 2020): 82. http://dx.doi.org/10.24114/antro.v5i2.14213.
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The purpose of this study is to describe and analyze the life values of the Balinese "Menyama Braya", as one of the values of "local wisdom" (local wisdom), which will be a common reference as social capital, and can sustainably become the main foundation or foundation in maintain harmony in inter-religious dialogue relations in the village of Dalung, Bali. Through the concept of life "braving", the social cohesion of the Dalung community so far has been maintained. This research uses a qualitative-descriptive approach. Primary data were obtained through in-depth interviews with: village government, religious leaders, and elements of community institutions as representatives of each religion. Finally, the results of the analysis of the data obtained show that "matching braya" can be used as the main foundation of inter-religious dialogue relations in the village of Dalung. By referring to the values of local wisdom which are the heritage of the ancestors as social capital, the Dalung people are able to offer patterns of inter-religious relations that promote relational dialogue and share humanist civilization values. This study aims to examine other social values, which are considered as supporting instruments of the concept of "equalizing braya", especially in building inter-religious dialogue relations to penetrate the boundaries of differences.
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Juliawan, I. Nengah. "Eksistensi Mutu Pendidikan Informal Bali Aga Era Revolusi Industri 4.0." Jurnal Penjaminan Mutu 6, no. 1 (March 10, 2020): 32. http://dx.doi.org/10.25078/jpm.v6i1.1052.
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<p><em>As the Balinese people of Bali Aga, the people of Tenganan Peringsingan custom village had a special characteristics and identities than Balinese people in common. One of them is having their own calendar system which is totally different with the Balinese people have in common. Beside calendar systems, another unique tradition they had was Matruna Nyoman. This tradition is initiation ceremony for adolescents who grow up to manhood. In the Matruna Nyoman process, the adolescents of Tenganan get their education of tradition with the hope to be able to control their self physically and mentally, so they can represent the characters of Hindu’s youth. In this writing, it was done the analysis based on the theory of religion stated by E. B. Tylor. According to him, the religiosity came from human being’s consciousness toward spiritual concepts. In the functional structural theory of Durhkeim, he stated that interpreting the whole societies in the function matter of the constituent elements, especially norms, customs, traditions, and institutions. The result of this research shows that each adolescent of Tenganan Pengringsingan is able to gather to a head their knowledge and skill, so they can do their social duties based on Awig-awig of Tenganan Peringsingan custom village.</em></p>
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Kristianto, Ign, and Paul Jepson. "Harvesting orange-headed thrush Zoothera citrina chicks in Bali, Indonesia: magnitude, practices and sustainability." Oryx 45, no. 4 (October 2011): 492–99. http://dx.doi.org/10.1017/s0030605310001481.
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AbstractMarket demand for the orange-headed thrush Zoothera citrina, a prestigious songbird competition species in Indonesia, is supplied by chicks harvested from Bali Island. Using ethnographic and interview surveys conducted during the 2008–2009 breeding season we established the structure and scale of this trade and investigated means to improve its sustainability in two districts of Bali. We found that well-organized agent networks supplied an estimated 116,000 chicks worth EUR 3.175 million from Bali during the 6-month harvest season. Chicks are harvested when 4–16 days old and exported from Bali when 16–18 days old. Of 50 nests followed 60% were harvested and just 6% fledged young. Farmers deploy techniques to improve thrush food supply but lack practices to ensure continued recruitment to the thrush population. The practice of thrush harvesting started in the mid 1990s and is not yet regulated by the traditional institutions (Subak) that govern collective farming practices. Three networks determine the sustainability of the practice: (1) the fraternity of Indonesian songbird keepers, (2) agricultural agent networks, and (3) traditional village institutions. We identify the potential for coordinated forms of self-regulation and thrush population management by Subak and key groups involved in songbird contests. Furthermore, we argue that this would more likely enhance sustainability than interventions by government conservation agencies.
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Widnyana, I. Ketut, IB Wisnu Mahendra, I. Ketut Sumantra, and Nyoman Utari Vipriyanti. "IDENTIFICATION OF POTENTIALS AND COMMUNITY PERCEPTIONS IN TOURISM VILLAGE PLANNING BASED ON POTENTIAL RESOURCES OF VILLAGE." International Journal of Research -GRANTHAALAYAH 8, no. 4 (April 29, 2020): 13–22. http://dx.doi.org/10.29121/granthaalayah.v8.i4.2020.3.
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Tabanan Regency in Bali has many villages that have tourism potential but have not developed yet, one of them is Munduk Temu village located in Pupuan District. This study aims to identify the tourism potential of the village and to determine people's perceptions in the development of rural tourism. This research is descriptive qualitative, with data collection methods through direct surveys, and the distribution of questionnaires. The results showed that there are many tourism potentials in the village including: waterfall, hot spring baths, clear river water, salak and coffee plantations. Leading potential of the village is coffee plantations managed by the community with about 60% of the total area of the village. Public perception shows that the community agrees that the village of Munduk Temu has the potential to become a tourism village, but tourism accessibility is inadequate, tourism facilities are still limited, institutions are not yet available, but community awareness has grown, the community hopes to manage the tourism village independently, and urgently needs promotion media. It can be concluded that the village of Munduk Temu has the potential to be developed into a tourist village, but needs to be improved in various fields and promotions.