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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Abdimas Indonesian Journal
Dwi Afrianti
Universitas Qomaruddin
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Strategi Adaptasi Pedagang Pasar Tradisional di Era Digital Perspektif Etika Bisnis Islam Syakila Fitrotun Nisa'; Nur Fadhillah; Dwi Afrianti
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 10 No 1 (2026): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/nj1fzh26

Abstract

Perkembangan teknologi digital telah mengubah perilaku konsumsi masyarakat yang ditandai dengan meningkatnya preferensi penggunaan platform digital dalam aktivitas pembelian. Fenomena tersebut berdampak pada penurunan jumlah konsumen yang bertransaksi secara langsung di pasar tradisional, sehingga pedagang perlu melakukan berbagai upaya adaptasi untuk mempertahankan keberlangsungan usahanya. Penelitian ini bertujuan untuk menganalisis perubahan pola konsumsi masyarakat, mengidentifikasi strategi adaptasi pedagang pasar tradisional dalam menghadapi perkembangan perdagangan digital, serta mengkaji implementasi etika bisnis Islam dalam proses adaptasi tersebut. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus yang dilakukan di Pasar Legi Bungah, Kabupaten Gresik. Data penelitian diperoleh melalui observasi, wawancara, dan dokumentasi terhadap pedagang dan konsumen yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa masyarakat cenderung memilih platform digital karena menawarkan kemudahan akses, efisiensi waktu, serta kemudahan dalam bertransaksi. Perubahan tersebut berimplikasi pada menurunnya intensitas kunjungan konsumen ke pasar tradisional. Sebagai bentuk adaptasi, pedagang memanfaatkan media digital, khususnya WhatsApp, meningkatkan kualitas pelayanan, serta memperkuat hubungan dengan pelanggan. Selain itu, strategi adaptasi yang diterapkan tetap berpedoman pada prinsip-prinsip etika bisnis Islam, yaitu shiddiq, amanah, fathonah, dan tabligh, yang berkontribusi dalam membangun kepercayaan dan mempertahankan loyalitas konsumen. Temuan penelitian menunjukkan bahwa kemampuan beradaptasi terhadap perkembangan teknologi yang didukung oleh penerapan etika bisnis Islam menjadi faktor penting dalam menjaga keberlanjutan usaha pedagang pasar tradisional di era digital.
Pengenalan Literasi Keuangan Digital Pada Generasi Z di SMK Assa’adah Bungah Gresik M. Nasyah Agus Saputra; KH. Muhammad Alauddin; Dwi Afrianti; Niswatun Hasanah; Fri Haendid Alfiyan; Martha Hermina Zaytun
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1545

Abstract

The rapid development of financial technology has intensified the use of digital financial services among Generation Z. However, this trend is not fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Assa’adah Bungah Gresik in order to foster rational, adaptive, and long-term financial behavior. The study employs an educational and participatory approach through the delivery of instructional materials, interactive discussions, and experience-sharing activities involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning and the control of consumptive behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educational and participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience-based digital financial literacy programs.
Meningkatkan Kesadaran Finansial Digital pada Generasi Z melalui Kegiatan Sosialisasi di SMK Sunan Drajat 3 Babak Bawo Dukun M. Nasyah Agus Saputra; Dwi Afrianti; Lailatul Fitriyah; Fatihatus Sahliyah; Narissa Febrianty; Nata Zahroh
Abdimas Indonesian Journal Vol. 5 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1546

Abstract

Continuous developments in digital technology have led to an increasing use of application-based financial services among Generation Z. However, this trend has not been fully accompanied by adequate financial management capabilities, resulting in a gap between technological access and financial literacy. This community service activity aims to enhance digital financial literacy among twelfth-grade students at SMK Sunan Drajat 3 Babak Bawo Dukun in order to foster rational, adaptive, and long-term financial behavior. The study employs an educative-participatory approach through the delivery of instructional materials, interactive discussions, quizzes, and experience sharing, involving university students as facilitators of contextual learning. The findings indicate that although students demonstrate a high level of familiarity with digital financial services, their understanding remains largely limited to technical aspects and has not fully encompassed conceptual dimensions such as financial planning, consumption control, and saving behavior. Post-activity evaluation reveals an improvement in students’ financial understanding and awareness. These results confirm that the educative-participatory approach is effective in bridging the gap between the use of financial technology and financial management capabilities. Overall, this activity contributes to strengthening the financial readiness of vocational high school students as part of Generation Z in facing the challenges of the digital economy and highlights the importance of developing sustainable, contextual, and experience based digital financial literacy programs.
Co-Authors Fatihatus Sahliyah Fri Haendid Alfiyan KH. Muhammad Alauddin Lailatul Fitriyah M. Nasyah Agus Saputra Martha Hermina Zaytun Narissa Febrianty Nata Zahroh Niswatun Hasanah Nur Fadhillah Syakila Fitrotun Nisa'