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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.
Social Loyalty Behavior in Digital Banking Usage: The Role of E-Service Quality, E-System Quality, and Social Trust Noviana Indriastuti; Kurniawati Darmaningrum; Atik Lusia
Journal of Social Knowledge Education (JSKE) Vol. 7 No. 2 (2026): March
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v7i2.2716

Abstract

Purpose of the study: The purpose of this study is to examine the effect of e-service quality, e-system quality, and e-trust on e-loyalty among users of the Wondr By BNI digital banking application in Surakarta, using a quantitative approach and multiple linear regression analysis. Methodology: This study employed a quantitative survey method using a structured questionnaire based on a five-point Likert scale. Data were collected from 160 Wondr By BNI application users in Surakarta. Multiple linear regression analysis was conducted using IBM SPSS Statistics version 23 to examine the relationships among variables. Main Findings: The results indicate that e-service quality, e-system quality, and e-trust have positive and significant effects on e-loyalty among Wondr By BNI application users. E-trust shows the strongest influence on e-loyalty. Simultaneously, the three variables significantly affect e-loyalty, with an adjusted R² value of 0.710, indicating substantial explanatory power of the model. Within the digital social context, these results emphasize the crucial role of public trust in strengthening long-term user relationships with digital banking platforms. Furthermore, enhanced e-loyalty has broader socio-economic implications, as it supports sustainable digital banking adoption, promotes financial inclusion, and reinforces public confidence in the digital financial ecosystem. Novelty/Originality of this study: This study offers early empirical evidence on user e-loyalty toward the newly launched Wondr By BNI application, released in July 2024, by specifically examining e-system quality, e-service quality, and e-trust in the Surakarta region. It contributes new regional insights by integrating system quality, service quality, and trust to explain user loyalty in emerging digital banking adoption contexts.
The Effect of Service Quality and Atmosphere on Revisit Intention to Klewer Market a Social Economic Muhammad Ilham Masyary; Darsono; Kurniawati Darmaningrum
Journal of Social Knowledge Education (JSKE) Vol. 7 No. 2 (2026): March
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v7i2.2730

Abstract

Purpose of the study: This study aims to determine the effect of service quality and atmosphere on the intention to revisit Klewer Market in Surakarta City amidst digital competition with the ease of online fahion purchases that have changed consumer behavior and decreased visits to physical markets. Methodology: This study used quantitative methods with 100 respondents who had visited in the last six months. Data collection techniques were conducted through surveys, while data analysis techniques used descriptive or inferential statistical analysis. All data were processed using SPSS version 25 software to ensure the accuracy of the test results. Main Findings: The results show that service quality and atmosphere have a significant partial and simultaneous effect on the intention to revisit. As a social space, traditional markets facilitate community interaction activities. Service quality and atmosphere that support these activities are crucial for the sustainability of this social institution. Novelty/Originality of this study: This study offers a new perspective by repositioning traditional markets not only as economic entities, but also as dynamic social spaces. Its novelty lies in the integration of service quality and atmosphere as stimulants for community social activities, which are key to the sustainability of social institutions amid modernisation.
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.