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All Journal JOURNAL OF ECONOMICS EDUCATION AND ENTREPRENEURSHIP Journal of Social Knowledge Education (JSKE) SUBSERVE: Community Service and Empowerment Journal Journal of Innovative and Creativity
Istinganah Eni Maryanti
Universitas Tunas Pembangunan Surakarta (UTP)
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Persepsi Pelaku UMKM terhadap Dampak Digitalisasi pada Struktur Pasar dan Harga: Studi Kualitatif pada Platform Marketplace di Kota Surakarta Darsono Darsono; Istinganah Eni Maryanti; Kurniawati Darmaningrum
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1493

Abstract

Transformasi digital telah membawa perubahan signifikan dalam perilaku ekonomi mikro, khususnya dalam strategi penetapan harga pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di platform marketplace digital. Penelitian ini bertujuan untuk mengeksplorasi bagaimana pelaku UMKM di Surakarta memaknai dan menerapkan strategi harga dalam menghadapi kompetisi algoritmik dan dinamika pasar digital. Pendekatan yang digunakan adalah kualitatif deskriptif-interpretatif dengan strategi studi kasus kolektif. Data diperoleh melalui wawancara mendalam dengan 12 pelaku UMKM dari sektor fashion, makanan/minuman, kesenian dan kecantikan yang aktif di marketplace minimal selama 12 bulan. Hasil penelitian menunjukkan bahwa sebagian besar UMKM menetapkan harga berdasarkan mekanisme pasar dan algoritma platform, bukan berdasarkan biaya pokok produksi. Pelaku usaha cenderung menerapkan strategi psikologis harga dan responsif terhadap perubahan algoritmik untuk menjaga visibilitas produk dan daya saing. UMKM skala mikro menghadapi hambatan signifikan dalam memahami fitur digital canggih karena keterbatasan sumber daya dan literasi digital. Di sisi lain, sebagian UMKM mulai memanfaatkan marketplace sebagai kanal branding, bukan sekadar tempat bertransaksi, melalui penguatan visual, storytelling, dan live shopping. Temuan ini mengindikasikan bahwa marketplace digital berperan ganda sebagai saluran distribusi dan arena strategi kompetisi berbasis algoritma, sehingga membutuhkan intervensi kebijakan dan pendampingan untuk memastikan keberlanjutan UMKM dalam ekosistem digital.
CERDAS KELOLA UANG, CERMAT HADAPI PENIPUAN DIGITAL: UPAYA PENINGKATAN LITERASI KEUANGAN DAN LITERASI DIGITAL MASYARAKAT KELURAHAN PASAR KLIWON KOTA SURAKARTA Kurniawati Darmaningrum; Supartini Supartini; Istinganah Eni Maryanti; Syahriar Abdullah; Rini Adiyani; Retnoning Ambarwati; Muhammad Sultan; Darsono Darsono
SUBSERVE: Community Service and Empowerment Journal Vol. 4 No. 2 (2026): Juli 2026
Publisher : Prime Identity Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67766/scsej.v4i2.238

Abstract

Perkembangan teknologi digital telah meningkatkan kemudahan masyarakat dalam melakukan transaksi keuangan, namun di sisi lain juga memicu meningkatnya kasus penipuan berbasis digital. Rendahnya tingkat literasi keuangan dan literasi digital menjadi faktor yang menyebabkan masyarakat rentan terhadap berbagai modus penipuan, seperti phishing, investasi ilegal, penyalahgunaan data pribadi, dan rekayasa sosial (social engineering). Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman masyarakat mengenai pengelolaan keuangan yang bijaksana serta meningkatkan kemampuan dalam mengenali dan mencegah penipuan digital. Kegiatan dilaksanakan pada bulan Februari 2026 di Kelurahan Pasar Kliwon, Kota Surakarta, dengan melibatkan 50 peserta yang terdiri atas ibu rumah tangga, pelaku usaha mikro, kecil, dan menengah (UMKM), kader PKK, Karang Taruna, tokoh masyarakat, dan perangkat kelurahan. Metode yang digunakan adalah Participatory Learning and Action (PLA) melalui tahapan identifikasi kebutuhan, penyuluhan, diskusi partisipatif, simulasi kasus penipuan digital, praktik penyusunan anggaran keuangan rumah tangga, serta evaluasi menggunakan pre-test dan post-test. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai prinsip pengelolaan keuangan, pentingnya perencanaan keuangan keluarga, karakteristik investasi yang legal, serta kemampuan mengenali berbagai modus penipuan digital. Peserta juga menunjukkan peningkatan kesadaran dalam menjaga keamanan data pribadi, memverifikasi informasi sebelum melakukan transaksi, dan menerapkan perilaku keuangan yang lebih bertanggung jawab. Kegiatan ini membuktikan bahwa integrasi edukasi literasi keuangan dan literasi digital melalui pendekatan partisipatif mampu meningkatkan kapasitas masyarakat dalam membangun ketahanan finansial sekaligus memperkuat kewaspadaan terhadap ancaman penipuan di era digital.    
The Nexus of Governance, Branding, and Tourist Behavior in Shaping Solo City's Halal Tourism Kurniawati Darmaningrum; Rini Adiyani; Sri Wijiastuti; Supartini Supartini; Istinganah Eni Maryanti; Syahriar Abdullah; Retnoning Ambarwati; Dhea Sashinta Ashari
Journal of Economics Education and Entrepreneurship Vol 7, No 1 (2026): JEE, APRIL 2026
Publisher : Program Studi Pendidikan Ekonomi FKIP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jee.v7i1.18264

Abstract

Halal tourism is a rapidly growing segment of the global travel industry, presenting both opportunities and challenges for destinations targeting Muslim travelers. Solo City holds strong potential to become one of Indonesia’s leading halal tourism destinations due to its rich Islamic heritage and multicultural environment. This study integrates collaborative governance, destination branding, and tourist behavior theories, considering the moderating role of sociocultural context and the facilitating effect of policy support. Using data from 463 respondents, including tourists, MSMEs, policymakers, and community leaders, analysis was conducted through Structural Equation Modeling (SEM) with AMOS. Findings reveal that visitor behavior, destination branding, and cooperative governance significantly influence the growth of halal tourism in Solo City, with visitor behavior emerging as the strongest predictor, emphasizing service experience, satisfaction, and loyalty. Sociocultural context negatively moderates the impact of branding but positively moderates governance effects, reflecting tensions between local identity and top-down branding. Policy support enhances the influence of both branding and governance through incentives, certification, and regulation. The study concludes that Solo City’s halal tourism development should emphasize stakeholder collaboration, authentic branding, tourist-centered services, culturally sensitive strategies, and supportive policies. Theoretically, this research integrates multiple perspectives in halal tourism studies and provides practical insights for policymakers and tourism stakeholders to strengthen Solo City’s competitiveness in the halal tourism market.
The Influence of Participation, Transparency, Accountability, and Utilization of Information Technology in the Management of Village Funds Supartini; Syahriar Abdullah; Susilaningtyas Budiana Kurniawati; Istinganah Eni Maryanti
Journal of Social Knowledge Education (JSKE) Vol. 6 No. 4 (2025): November
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v6i4.1964

Abstract

Purpose of the study: This study aims to determine the influence of (1) participation, (2) transparency, (3) accountability and utilization of information technology in the management of village funds in Bandardawung village, Tawangmangu Karanganyar sub-district. Methodology: This study uses primary data sourced from respondents' answers. The population in this study was 104 community leaders of Bandardawung village. The sample in this study was calculated using the Solvin formula of 83 people. The data collected in this research was 52. The analysis method used was multiple linear regression and was processed using SPPS software version 26. Main Findings: From the partial test, the variable with the greatest influence on village fund management is the variable of information technology utilization, amounting to 12.83. Adjusted R square value indicates that collectively participation, transparency, accountability and utilization of information technology contribute 94,2%. The remaining 5.8% is another factor outside this study. Novelty/Originality of this study: Previous research only discussed the influence of participation, transparency and accountability on village fund management. The author has not found any research that tests participation, transparency, accountability and the use of information technology in village fund management. This study adds the variable of information technology utilization to maintain budgetary order and discipline in village fund management.
Co-Authors Ambarwati, Retnoning Darsono Darsono Darsono Darsono Dhea Sashinta Ashari Kurniawati Darmaningrum Muhammad Sultan Retnoning Ambarwati RINI ADIYANI Sri Wijiastuti Supartini Supartini Supartini Susilaningtyas Budiana Kurniawati Syahriar Abdullah