Doctoral Promotion Session I GUSTI NGURAH ALIT ASMARA JAYA, S.E., M.Sc. DOCTORAL ECONOMICS STUDY PROGRAM FACULTY OF ECONOMICS AND BUSINESS UDAYANA UNIVERSITY

Based on the results of the 2019 OJK survey, Bali's financial inclusion index reached 92.91 percent, exceeding the national achievement of 76.19 percent. On the one hand, Bali's high financial inclusion rate, but on the other hand, there are still disparities in financial inclusion between districts and cities. The BPR industry in Bali, with its limitations, has a strategy, applying local wisdom technology and services in dealing with the internal and external environment to encourage performance that has an impact on financial inclusion.

 

 

On this occasion, January 9, 2023 at the BH Building Floor III.4 promovendus I Gusti Ngurah Alit Asmara Jaya, S.E., M.Sc. raised a dissertation topic: Analysis of the Influence of Internal and External Factors on the Financial Inclusion of Rural Banks in the Province of Bali.

The research objectives of promovendus are: to analyze the influence of internal factors, external factors, financial inclusion strategies, technology and local wisdom services on financial performance. The results of this study include internal factors, strategy and technology influencing performance, while external factors and local wisdom services have no effect on performance. External factors, strategy and performance have an effect on financial inclusion, but internal factors have no effect on financial inclusion. 

 

 

 

This Doctoral session was held offline, where the promoter of Promovendus was Prof. Dr. Nyoman Djinar Setiawina, S.E., M.S., and Co-promoter Dr. Ida Bagus Putu Purbadharmaja, S.E., M.E. and Co-promoter II is Prof.Dr. dr. A. A. I. N. Marhaeni, M.S. This exam was led by the Head of the Session who on this occasion was led by the Coordinating Study Program, Prof. Dr. Ni Nyoman Yuliarmi, S.E., M.P. Promovendus is a Lecturer at the Faculty of Economics and Business at Mahendradatta University, as well as a management consultant at PT. Saguna Management Solusindo Denpasar. Promovendus successfully passed the exam with the title of Very Satisfactory.