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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pendidikan dan Sosial Humaniora
Mochammad Nafis
Universitas Nahdlatul Ulama Sidoarjo
Humanities Economics, Econometrics & Finance Education

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Keunggulan Kompetitif Berkelanjutan UMKM Di Era Vuca Mochammad Nafis
Khatulistiwa: Jurnal Pendidikan dan Sosial Humaniora Vol. 3 No. 3 (2023): September : Jurnal Pendidikan dan Sosial Humaniora
Publisher : AMIK Veteran Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/khatulistiwa.v3i3.1859

Abstract

MSMEs in developing countries, especially in Indonesia, are often associated with conditions of economic problems and also social status, both poverties, the effects of unemployment, income that is not evenly distributed and does not meet daily needs and even development in urban and rural areas as well as urbanization problems. It is hoped that developing MSMEs will present an effective contribution. The purpose of this study is to analyze one of the MSME businesses, namely Korean Street Food in Sidoarjo, East Java. The author wants to analyze the role of MSMEs in the area and also their role in helping the economy. The business offered is in the form of selling Korean-style soup and also Takoyaki which are sold per portion worth ten thousand rupiahs and through these sales can generate a monthly sales turnover of around 9-10 million rupiahs. This is very helpful for the regional economy. The SWOT analysis that has been carried out is good, but the concept of product sales and promotion must be actively improved in digitization to support the VUCA generation.
QRIS Impactfull: How to Develop Traditional Market Financial? Mochammad Nafis; Wahyu Eko Pujianto; Nafia Ilhama Qurratu’aini; Afifatus Sholikhah
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 3 (2025): Dinasti International Journal of Economics, Finance & Accounting (July-August 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i3.4624

Abstract

Traditional markets face various environmental challenges that ultimately affect their performance practices; this study aims to analyse digital literature on digital transactions with local knowledge as moderation. Sampling technique: This research was conducted in traditional markets in the Sidoarjo district and involved 263 respondents, including shop owners. Data analysis using quantitative methods, such as SmartPLS 4.0 software, was used to test the research hypothesis. Digital literacy significantly influences the adoption of digital transactions in traditional markets, such as QRIS. Good digital literacy and skills increase the likelihood of merchants adopting the technology significantly when moderated by local knowledge that reinforces the application of technology according to local culture and economic practices. Financial education also encourages digital transactions; merchants who understand financial management are more likely to switch to digital payment systems. Local knowledge strengthens the influence of financial education by tailoring technology to market needs. This study highlights the importance of digital literacy, financial education and the local socio-cultural context in modernising traditional markets in Sidoarjo.
Co-Authors Afifatus Sholikhah Nafia Ilhama Qurratu’aini Wahyu Eko Pujianto