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All Journal Tasharruf: Journal Economics and Business of Islam Bisnis Net : Jurnal Ekonomi dan Bisnis PERSPEKTIF: Journal of Social and Library Science
Berutu, Irsyadiah Dermaini
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Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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ANALYSIS OF MONZA TRADERS' SURVIVAL STRATEGIES IN FACING THE DIGITAL MARKET Rizqiya, Annisa; Berutu, Irsyadiah Dermaini; Maulana, Rifki; Aisyah , Siti
PERSPEKTIF: Journal of Social and Library Science Vol. 2 No. 3 (2024): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/perspektif.v2i3.405

Abstract

This study aims to examine the survival strategies of Monza traders in Pajak Melati, Medan, in facing the challenges of digitalization that change traditional trading patterns to technology-based ones. Digitalization provides opportunities to expand the market, but also presents challenges in the form of tight competition with e-commerce platforms and low adoption of technology by traditional traders. This study uses a descriptive qualitative method with data collection through in-depth interviews, participant observation, and documentation studies. The research subjects consisted of five Monza traders who were selected purposively to ensure data diversity. The data obtained were analyzed using a thematic approach to identify survival strategies as well as obstacles and opportunities in adopting digital technology. The results of the study show that Monza traders implement survival strategies such as improving personal customer service, product diversification, implementing a hybrid system that combines physical and digital transactions, and competitive pricing strategies. The main obstacles found were low digital literacy of traders, limited capital to invest in technology, and tight competition with digital platforms that offer lower prices and wider market reach. On the other hand, there are great opportunities such as access to a wider market through digital media, operational efficiency with technology, changes in consumer shopping patterns that are more online, and support from government programs in the form of training and subsidies. This study concludes that Monza traders in Pajak Melati are able to adopt various creative strategies to survive in the digital era, although they still face obstacles that require systematic solutions such as increasing digital literacy and access to capital. This study contributes to providing insight into the adaptation of traditional traders to digitalization, especially in the traditional market sector with specific local characteristics.
Dompet Dhuafa Waspada Strategy in Empowering the Mustahik Economy for Sustainable Economic Development Berutu, Irsyadiah Dermaini; Marliyah, Marliyah; Harahap, Rahmat Daim
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3897

Abstract

Productive zakat is a strategic instrument for reducing poverty and enhancing community welfare, yet its implementation often encounters managerial and contextual challenges. This study aims to analyze the strategy of Dompet Dhuafa Waspada in Medan’s in empowering mustahik through productive zakat programs, specifically those involving business capital grants, skills training, and continuous mentoring within the Menjahit Harapan Dhuafa programme, Livestock Center, and Rumah Tempe initiatives. Using a qualitative case study approach supported by the SOAR (Strengths, Opportunities, Aspirations, Results) framework, data were obtained through in-depth interviews, observations, questionnaires, and documentation. The findings show that Dompet Dhuafa Waspada in Medan possesses strong internal capacities (score 19.6) and clear strategic aspirations (score 19.4), positioning the institution in the SA quadrant, which emphasizes maximizing strengths to achieve long-term goals. The study reveals that the implementation of productive zakat includes structured business assistance, capital distribution, skills development, and marketplace facilitation; however, the program also faces several challenges. These include limited capital scalability, variability in mustahik entrepreneurial readiness, dependence on external market dynamics, and constraints in long-term monitoring. Despite these obstacles, the program successfully increases mustahik income, improves business independence, and generates measurable socio-economic benefits when integrated with consistent mentoring and cross-sector collaboration. This research provides a balanced evaluation of both the achievements and limitations of productive zakat implementation in Medan and offers an empirical foundation for strengthening institutional strategies and public policies that support sustainable poverty alleviation aligned with the Sustainable Development Goals.
ANALISIS PENGENDALIAN INFLASI DALAM MENATA PEMBANGUNAN PEREKONOMIAN (STUDI KASUS KOTA MEDAN) Rizqiya, Annisa; Khairiah, Dian; Berutu, Irsyadiah Dermaini; Aisyah, Siti; Maulida, Tasya; Wulandari, Sari
Bisnis-Net Vol 8, No 2: DESEMBER 2025
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v8i2.5972

Abstract

 Penelitian ini bertujuan untuk menganalisis strategi pengendalian inflasi dalam mendukung pembangunan berkelanjutan di Kota Medan. Dengan pendekatan kualitatif dan data sekunder dari Badan Pusat Statistik (BPS), Bank Indonesia, serta Pemerintah Kota Medan, penelitian ini menggambarkan dampak kebijakan pengendalian inflasi terhadap sektor ekonomi, sosial, dan lingkungan. Hasilnya menunjukkan bahwa inflasi dipengaruhi oleh fluktuasi harga bahan pangan dan komoditas strategis, serta peran penting Tim Pengendalian Inflasi Daerah (TPID) dalam menekan inflasi. Kebijakan seperti peningkatan konektivitas logistik dan ketahanan pangan lokal terbukti mendukung kestabilan harga dan pemerataan pembangunan. Penelitian ini merekomendasikan kebijakan yang memperkuat ketahanan pangan dan pemerataan pembangunan antarwilayah di Kota Medan. 
Co-Authors Aisyah , Siti Harahap, Rahmat Daim Khairiah, Dian Marliyah, Marliyah Maulana, Rifki Maulida, Tasya Rizqiya, Annisa Sari Wulandari Siti Aisyah