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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Ekonomi, Manajemen, Akuntansi
Suprianik Suprianik
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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ANALISIS MODAL SOSIAL DAN BIAYA TRANSAKSI UNTUK RELOKASI PEDAGANG KAKI LIMA, MUNGKINKAH? (STUDI KASUS DI JALAN JAWA-KABUPATEN JEMBER) Suprianik Suprianik; Zainuri Zainuri
Eqien - Jurnal Ekonomi dan Bisnis Vol 11 No 1 (2022): EQIEN- JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Dr Kh Ez Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (146.048 KB) | DOI: 10.34308/eqien.v11i1.855

Abstract

Activity street vendors nearby _ _campus University Jember who took place on the sidewalk and shoulder Street along Street Java . This thing because many buyer use part Street the place vehicle pass cross as the place parking for buyers _ street vendor _ that , as a result track for vehicle will reduce and. of course very disturbing Street so that cause congestion . Based on on background back above , then what becomes _ destination in writing this is for knowing how about social capital and cost transaction take effect to relocation street vendors in the Street Area Java districts Jember. by specific , result writing this state that social capital and cost transaction take effect in the process of relocation and transfer street vendor _ this proven no easy ask they for move from the place already there are those think already comfortable for they in trade. So that social capital is needed in the form of approach and strong trust for relocation trader this could done with good so that when the merchants will moved in place strategic new _ no occur existence clash in transfer that . Merchants _ also worrying about cost transaction to relocation in the form of cost a substitute for worried land _ rent increase expensive as well as the rules applied in _ the place new usually demand a number of Thing like setting appearance must - have cart interesting , standard cleanliness nor arrangement.
Tantangan Bank Muamalat Jember Dalam Pengembangan QRIS Untuk UMKM Ilona Naysilia Aida; Herlinda Tri Novia Ramadani; Revy Aulia Putri; Suprianik Suprianik; Adi Tri Wibowo
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.16906

Abstract

Perkembangan pesat teknologi keuangan digital melalui Quick Response Code Indonesian Standard (QRIS) memiliki potensi besar dalam mendorong inklusi keuangan bagi Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Studi ini mengkaji tantangan yang dihadapi Bank Muamalat Kantor Cabang Jember dalam pengembangan QRIS syariah untuk UMKM setempat. Metode kualitatif dengan studi kasus, wawancara mendalam, observasi partisipatif, dan analisis dokumen digunakan untuk menggali kendala utama yang meliputi keterbatasan infrastruktur teknologi, rendahnya literasi digital dan pemahaman syariah, serta strategi pemasaran yang belum optimal. Keberadaan smartphone yang tidak memadai dan ketidakpastian atas kepatuhan produk terhadap prinsip syariah menjadi hambatan signifikan dalam adopsi QRIS. Selain itu, persaingan ketat dengan bank konvensional dan fintech yang lebih agresif juga mengurangi pangsa pasar Bank Muamalat. Studi ini merekomendasikan pendekatan integratif berupa subsidi perangkat, pembentukan tim pemasaran berbasis komunitas, dan program literasi syariah digital berkelanjutan sebagai solusi strategis. Dengan demikian, diharapkan dapat meningkatkan inklusi keuangan digital syariah di Jember dan mendukung target nasional yang ditetapkan oleh OJK dan Bank Indonesia.
Co-Authors Adi Tri Wibowo Herlinda Tri Novia Ramadani Ilona Naysilia Aida Revy Aulia Putri Zainuri Zainuri