Enhancing financial sustainability of rural banks in Bali through social capital, service innovation, and organizational culture
Summary. Rural banks in Bali achieve financial sustainability primarily through service innovation, which has the strongest positive effect. Organizational culture also directly supports sustainability and drives service innovation. Social capital plays a complex role: it strengthens the link between culture and innovation, but paradoxically reduces both innovation and sustainability when measured directly. The research emphasizes that rural banks must build strong internal culture and innovate services to overcome resource constraints.
Cite this article
Kustina, K. T., Wiksuana, I. G. B., Wiagustini, N. L. P., & Rahyuda, H.. (2025). Enhancing financial sustainability of rural banks in Bali through social capital, service innovation, and organizational culture. Banks and Bank Systems. https://doi.org/10.21511/bbs.20(1).2025.16
Kustina, Ketut Tanti, et al. “Enhancing financial sustainability of rural banks in Bali through social capital, service innovation, and organizational culture.” Banks and Bank Systems, 2025. https://doi.org/10.21511/bbs.20(1).2025.16.
Kustina, Ketut Tanti, I Gusti Bagus Wiksuana, Ni Luh Putu Wiagustini, and Henny Rahyuda. 2025. “Enhancing financial sustainability of rural banks in Bali through social capital, service innovation, and organizational culture.” Banks and Bank Systems. https://doi.org/10.21511/bbs.20(1).2025.16.
@article{kustina-2025-enhancing-financial-sustainability-rural-banks,
title = {Enhancing financial sustainability of rural banks in Bali through social capital, service innovation, and organizational culture},
author = {Ketut Tanti Kustina and I Gusti Bagus Wiksuana and Ni Luh Putu Wiagustini and Henny Rahyuda},
journal = {Banks and Bank Systems},
year = {2025},
doi = {10.21511/bbs.20(1).2025.16},
url = {https://doi.org/10.21511/bbs.20(1).2025.16}
}
TY - JOUR TI - Enhancing financial sustainability of rural banks in Bali through social capital, service innovation, and organizational culture AU - Ketut Tanti Kustina AU - I Gusti Bagus Wiksuana AU - Ni Luh Putu Wiagustini AU - Henny Rahyuda JO - Banks and Bank Systems PY - 2025 DO - 10.21511/bbs.20(1).2025.16 UR - https://doi.org/10.21511/bbs.20(1).2025.16 ER -
Details
- DOI
- 10.21511/bbs.20(1).2025.16
- Countries
- Indonesia
- Regions
- Asia
- Categories
- entrepreneurship, regional-innovation-systems, funding
- Added
- 2026-04-28