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All Journal HARAMAIN : Jurnal Manajemen Bisnis
Sa’adah, Haqiqotus
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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LOW LITERACY AND PUBLIC PARTICIPATION IN SHARIA FINANCIAL INSTITUTIONS: A QUALITATIVE STUDY IN JAMBESARI DARUSSHOLAH VILLAGE Islami, Delalatul; Sa’adah, Haqiqotus
HARAMAIN : Jurnal Manajemen Bisnis Vol. 6 No. 01 (2026): HARAMAIN : JURNAL MANAJEMEN BISNIS
Publisher : HARAMAIN : Jurnal Manajemen Bisnis

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Abstract

Jambesari Village is classified as a village with a relatively low level of literacy and community participation. Although some members of the community are aware of the existence of Islamic financial institutions, many do not yet have an in-depth understanding of these institutions, including their basic principles and operational systems. This study aims to analyze the level of Islamic financial literacy, the factors contributing to low community participation, and strategies to enhance both literacy and participation. This research employs a descriptive qualitative method, with data collected through interviews, observations, and documentation. Data analysis is conducted using the Miles and Huberman model, which includes data reduction, data display, and conclusion drawing. The results of this study indicate that the low level of community literacy and participation in Islamic financial institutions is caused by a lack of socialization and limited access to Islamic financial institutions in the village. Therefore, strategies or efforts are needed to improve community literacy and participation, which can be implemented through long-term socialization programs and the expansion of access to Islamic financial services in the village, so that the level of community literacy and participation can increase.
TRANSFORMATION OF SHOPPING CULTURE AND NEGOTIATION OF CONSUMER DECISIONS IN TAMANAN DISTRICT Hasanah, Deviyatul; Sa’adah, Haqiqotus
HARAMAIN : Jurnal Manajemen Bisnis Vol. 6 No. 01 (2026): HARAMAIN : JURNAL MANAJEMEN BISNIS
Publisher : HARAMAIN : Jurnal Manajemen Bisnis

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Abstract

This study aims to analyze the impact of the presence of modern markets on the marketing performance of traditional markets from the perspectives of traders and consumers in Tamanan Regency. This research employs a descriptive qualitative approach, with data collected through interviews. The sampling technique used is non-probability sampling (purposive sampling), and data analysis is conducted by organizing data into categories, describing them into units, synthesizing, arranging them into patterns, selecting important aspects to be studied, and drawing conclusions. The results indicate that the presence of modern markets in Tamanan Regency has both positive and negative impacts. Traditional market traders experience a decline in profits and market share due to market segmentation; however, traders also recognize that changes over time and regional development necessitate adaptation and renewal of business systems to minimize competition and enhance partnerships as well as competitiveness within the industry. The Tamanan Regency Government is expected to acknowledge this condition and formulate policies to regulate the operational systems of both traditional and modern markets, enabling them to operate more dynamically and coexist without engaging in price wars that could negatively affect the market ecosystem or price stability
Co-Authors Hasanah, Deviyatul Islami, Delalatul