Akses: Jurnal Penelitian dan Pengabdian Kepada Masyarakat Universitas Ngurah Rai

Dinamika Inklusi Keuangan Digital dan Implikasinya terhadap Pemberdayaan UMKM di Kota Denpasar

Ida ayu made sasmita dewi — 2026-04-21

Digital transformation has accelerated financial inclusion, particularly for Micro, Small, and Medium Enterprises (MSMEs). However, the utilization of digital financial services does not always translate into effective business empowerment, especially in dynamic urban contexts. The main issue addressed in this study is the limited understanding of how digital financial inclusion is perceived and utilized by MSMEs as an empowerment mechanism rather than merely as financial access. This study aims to analyze the dynamics of digital financial inclusion and its implications for MSME empowerment in Denpasar City. A qualitative descriptive-exploratory approach was employed. Data were collected through in-depth interviews, limited observation, and document analysis involving MSME actors who use digital financial services. Data analysis was conducted using thematic analysis simultaneously with data collection. The findings indicate that digital financial inclusion is perceived as an important tool for improving transaction efficiency and financial management. However, the extent to which it contributes to MSME empowerment is strongly influenced by digital financial literacy, user experience, and the local social and business environment. This study concludes that digital financial inclusion is a dynamic and contextual process that depends not only on technological access but also on the cognitive capacity of entrepreneurs and the support of the surrounding ecosystem.

Keywords: digital financial inclusion; MSME empowerment; digital financial literacy; qualitative study; Denpasar City.

PENGARUH PENGALAMAN PELANGGAN FASILITAS DAN PERSEPSI HARGA TERHADAP KEPUASAN PELANGGAN PADA CANGGU SPIRIT GUEST HOUSE

I Wayan Meryawan — 2026-04-16

perception on customer satisfaction at Canggu Spirit Guest House. The research employs a quantitative approach using surveys distributed to guests who have stayed at the hotel. Data analysis was conducted using t-tests and F-tests to examine both partial and simultaneous effects among the variables. The results indicate that customer experience has a positive and significant impact on satisfaction, meaning that better experiences lead to higher satisfaction levels. Hotel facilities also show a positive and significant effect, indicating that adequate and complete facilities enhance guest comfort and satisfaction. Furthermore, price perception positively and significantly influences satisfaction, suggesting that prices aligned with the quality and services received improve customer satisfaction. Simultaneously, the three variables customer experience, facilities, and price perception—collectively have a significant effect on customer satisfaction, highlighting the importance of integrating these factors to enhance guest satisfaction. The study concludes that to improve customer satisfaction, hotel management should focus on enriching customer experience, providing optimal facilities, and setting prices according to consumer expectations. The research contributes theoretically through the application of the Expectancy Disconfirmation Theory and offers practical implications for hotel service management.

Anteseden Gaya Kepemimpinan Terhadap Produktivitas Promotor Oppo Wilayah Gianyar

I Kadek Sara Mandiyasa — 2026-04-16

Promoter productivity as the front line of sales is significantly influenced by leadership style and the implementation of reward and punishment systems. This study aims to examine the effect of leadership style on reward, punishment, and employee productivity at PT. World Innovative Telecommunication (OPPO) in the Gianyar region. The research uses a descriptive quantitative approach with a sample of 133 promoters. Data collection methods include observation, interviews, and questionnaires. The data were analyzed using Partial Least Square (PLS). The results indicate that leadership style has a positive and significant effect on both reward and punishment, but reward and punishment do not significantly affect promoter productivity. These findings suggest that leadership style is a key factor in enhancing productivity, while the reward and punishment systems require further evaluation in their implementation. This study offers strategic implications for management in developing effective leadership models to improve promoter performance.