Can social innovation strengthen rural bank Indonesia’s organizational culture in improving financial sustainability?

Ketut Tanti Kustina, I Gusti Bagus Wiksuana, N L P Wiagustini, Henny Rahyuda · 2026 · Economic Research-Ekonomska Istraživanja

Summary. Rural banks in Indonesia face intense competition from commercial banks and fintech firms. This study examines 131 rural banks in Bali and finds that strong organizational culture directly improves financial sustainability. Social innovation—through collaboration and strategic partnerships—strengthens this relationship further. Rural banks can enhance long-term financial performance by combining internal cultural foundations with externally oriented social innovation practices.

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@article{kustina-2026-can-social-innovation-strengthen-rural,
  title   = {Can social innovation strengthen rural bank Indonesia’s organizational culture in improving financial sustainability?},
  author  = {Ketut Tanti Kustina and I Gusti Bagus Wiksuana and N L P Wiagustini and Henny Rahyuda},
  journal = {Economic Research-Ekonomska Istraživanja},
  year    = {2026},
  doi     = {10.32728/er-ei.38.4.2},
  url     = {https://doi.org/10.32728/er-ei.38.4.2}
}

TY  - JOUR
TI  - Can social innovation strengthen rural bank Indonesia’s organizational culture in improving financial sustainability?
AU  - Ketut Tanti Kustina
AU  - I Gusti Bagus Wiksuana
AU  - N L P Wiagustini
AU  - Henny Rahyuda
JO  - Economic Research-Ekonomska Istraživanja
PY  - 2026
DO  - 10.32728/er-ei.38.4.2
UR  - https://doi.org/10.32728/er-ei.38.4.2
ER  - 

Details

DOI

10.32728/er-ei.38.4.2

Countries

Indonesia

Regions

Asia

Categories

entrepreneurship, funding, regional-innovation-systems

Added

2026-04-28