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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Munir Azhari
Faculty Of Management & Business, Mitra Bangsa University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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Why Are Micromerchants Still Reluctant To Use Digital Payments? Case Study: South Jakarta Msmes Munir Azhari; Wiwit Damayanti; Feriandy Feriandy; Haspul Naser
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 2 (2025): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i2.7190

Abstract

The adoption of digital payments by micromerchants in South Jakarta remains low. This study aims to investigate the reasons behind this reluctance, identify the factors that contribute to it, and suggest potential solutions. Qualitative research method was used. The research sample consisted of microentrepreneurs in the culinary, food and beverage, grocery, and home laundry sectors. Data were collected through interviews and observations in order to gain a more detailed understanding. The findings indicate that a significant proportion of small entrepreneurs remain reluctant to utilize digital payments because of a lack of comprehension regarding its utilization. This underscores the necessity for the provision of education and training to micro-merchants regarding the advantages and operational aspects of digital payments. This could potentially enhance the adoption of digital payments among micromerchants and facilitate more efficient business operations.
The Paradox Of Illegal Parking Management: Dual Roles Of OMS In Rule Enforcement And Economic Exploitation And Their Implications For Urban Governance In Jakarta Feriandy Feriandy; Munir Azhari; Wiwit Damayanti; Nurwulan Kusuma Devi; Haspul Naser
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 1 (2026): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i1.9027

Abstract

This study aims to examine the dual role of community organizations (OMS) in managing illegal parking in Jakarta. The focus is to understand how OMS are not only involved in economic exploitation but also contribute to law enforcement in public spaces. A mixed-method approach is used to gain a comprehensive understanding of this phenomenon. Quantitative data was collected through surveys administered to users of illegal parking services and members of civil society organizations (CSOs). Qualitative data were collected through focused group discussions involving Pemuda Pancasila, FBR, Forkabi, and other informal actors. Findings show that CSOs have a dual function: they act as parking enforcement officers while also engaging in the collection of illegal fees. Although operating outside the formal legal framework, their presence reflects a hybrid governance model that fills institutional gaps in the provision of public services. More inclusive and participatory urban governance policies are needed to address the complexity of informal regulation in city management. This study contributes to the understanding of informal governance and hybrid authority in urban environments. The novelty lies in the dual role of OMS in addressing illegal parking and informal parking governance.
Co-Authors Feriandy Feriandy Haspul Naser Nurwulan Kusuma Devi Wiwit Damayanti