Garuda - Garba Rujukan Digital

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

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

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

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.

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

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

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.

Rebranding of Tourist Destinations: A Case Study of Mount Kemukus Pandan Wibowo; Kurniawati Darmaningrum; Darsono
Journal of Social Knowledge Education (JSKE) Vol. 6 No. 2 (2025): May
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v6i2.1472

Purpose of the study: This research aims to analyze the impact of (1) rebranding, (2) facilities, and (3) promotion on tourist visits to Mount Kemukus. Methodology: The data sources in this research are primary and secondary data. Data collection techniques in this research are Interviews, Observations, and Documentation. Data analysis is conducted using Data Reduction, Data Display, and Conclusion Drawing. Main Findings: This research indicates that: 1.The initial negative stigma originated from a miscommunication between the key keeper of Pangeran Samudra's Tomb and tourists from outside Java. 2.The management of The New Kemukus requires expansion and addition of parking spaces for tourist comfort. In terms of communication, there are already directional signs and information services to prevent tourists from feeling confused. The available services are sufficient for tourist comfort, and the environment is supportive of family tourism. Novelty/Originality of this study: This research also concludes that rebranding efforts can be effective in changing the image of a tourist destination, but ongoing efforts are needed to maintain momentum and attract a steady flow of tourists.

The Influence of Tourist Attraction, Accessibility, and Facilities on Tourists' Revisit Intention at Kasap Beach, Pacitan Regency Novita Aryani; Rini Adiyani; Kurniawati Darmaningrum
Journal of Social Knowledge Education (JSKE) Vol. 6 No. 2 (2025): May
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v6i2.1490

Purpose of the study: This study aims to analyze the influence of (1) Tourist Attraction, (2) Accessibility, and (3) Facilities on the Intention of Tourists to Revisit Kasap Beach, Pacitan Regency, both partially and simultaneously. Methodology: This type of research is quantitative descriptive, where data is collected by dividing questionnaires of 100 respondents who have visited the Kasap Beach Tourism object, Pacitan Regency. Data analysis was carried out using multiple linear regression and using SPSS version 25 software. Main Findings: The results of this study show that Tourist Attraction partially has an impact on Intention to Revisit by 28%, Accessibility has an impact of 37.4%, and Facilities by 26.3%. Simultaneously, these three variables had a significant impact on the intention to revisit, with a significance value of 0.000 < 0.05. Novelty/Originality of this study: This research makes a new contribution by analyzing the influence of tourist attractions, accessibility, and facilities on the intention to revisit partially and simultaneously, which has not been widely studied in the context of Kasap Beach. These findings broaden our understanding of the determinants of tourist loyalty and provide a scientific basis for the development of data-driven tourism strategies in similar destinations.

Greenwashing and Promotion: Their Influence on Le Minerale Repurchase Intention Alviani Tri Wulandari; Kurniawati Darmaningrum; Darsono
Journal of Social Knowledge Education (JSKE) Vol. 6 No. 3 (2025): August
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v6i3.1918

Purpose of the study: The main object tive of this study is to examine the influence of greenwashing perception and promotion on repurchase intention packaged drinking water products of Le Minerale. Methodology: The methodology used is a quantitative approach. The study was conducted with 133 respondents who had purchased Le Minerale. Data analysis techniques used in this study include instrument testing, classical assumption testing, hypothesis testing using partial tests (t-test), simultaneous tests (f-test), coefficient of determination and multiple linear regression analysis using the SPSS Statistics version 27 application. Main Findings: The results of the tests carried out in this study show that the perception of greenwashing and promotions has a positive and significant influence on the decision to repurchase intention packaged drinking water products () of Le Minerale. Novelty/Originality of this study: This study breaks new ground by specifically examining the influence of greenwashing perception and promotion on repurchase intention packaged drinking water products () market, focusing exclusively on the Le Minerale brand. While previous studies have explored greenwashing and repurchase intention separately or in a broader context, this study uniquely synthesizes these elements within a specific market dynamic in Indonesia and for a leading brand and offers new insights for academic understanding and marketing strategies in this significant product category.

The Impact of Solo Safari’s Rebranding on Public Perception and the Sustainability of Conservation-Based Tourism Sri Wijiastuti; Kurniawati Darmaningrum; Novita Aryani; Sativa Isaach
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.v6i4.1962

Purpose of the study: This study aims to examine the impact of Solo Safari’s rebranding on public perception, marketing effectiveness, and local community involvement in sustainable conservation tourism. Methodology: A qualitative case study method was used. Data collection tools included semi-structured interviews, observation, and document review. Analysis was conducted using thematic analysis with support from NVivo 12 software. Data were sourced from visitors, community members, and management. Main Findings: The study found that 83% of visitors positively perceived the rebranding. Instagram followers increased by 72%, and community involvement rose to 60%. Public perception, marketing performance, and local economic benefits significantly improved post-rebranding. The rebranding enhanced brand equity, visitor satisfaction, and community pride. Novelty/Originality of this study: This study integrates brand equity theory with community-based tourism in a local conservation context to examine how destination rebranding affects both marketing performance and social sustainability. Using a mixed-methods approach that combines visitor surveys and stakeholder interviews, the research finds that Solo Safari’s rebranding has significantly improved its brand image, visitor engagement, and perceived conservation value. A key novelty of this study lies in its dual focus—demonstrating, for the first time in the local context, how rebranding can serve as a strategic bridge between market-oriented goals and inclusive community participation, thereby advancing both destination competitiveness and conservation-driven social sustainability.

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

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.

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