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INDONESIA
CURVE: Journal of Economic, Business and Accounting
Published by PT. Habe Cendekia Utama
ISSN : -     EISSN : 31108814     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
CURVE: Journal of Economic, Business and Accounting is a peer-reviewed academic journal that publishes high-quality theoretical and applied research in the fields of Economics, Business, and Accounting. The journal is published six times a year, in February, April, june, August, October, and December. Focus and Scope CURVE aims to advance scientific knowledge in the disciplines of economics, business, and accounting. Priority is given to original research articles that provide academic contributions and have potential impact in their respective fields, particularly those relevant to Indonesia. Economics Public Economics, International Economics, Development Economics, Monetary Economics, Financial Economics, Game Theory, Business Administration, Finance, Marketing, Human Resource Management, Strategic Management Operations, Entrepreneurship, Business Ethics, Accounting, Public Sector, Accounting Taxation, Financial Accounting, Management Accounting, Auditing, Accounting Information Systems Note: The listed fields are indicative. The Editorial Board welcomes high-quality scholarly articles covering a broad range of economics and business topics.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 15 Documents
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ANALISIS PERAN UMKM DALAM MENINGKATKAN PEREKONOMIAN LOKAL DI ERA DIGITAL Intan Lasaiva
Journal of Economic, Business and Accounting Vol 1 No 1 (2025): Agustus
Publisher : PT. Habe Cendekia Utama

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Micro, Small, and Medium Enterprises (MSMEs) are a vital part of the Indonesian economy, contributing significantly to GDP and employment. This study aims to analyze the role of MSMEs in improving the local economy in the digital era, focusing on their contributions and the role of digital technology. The benefits include academic and practical implications for MSMEs, the government, and the community. This study uses qualitative methods that focus on the role of Micro, Small, and Medium Enterprises (MSMEs) in the local economy and the impact of digitalization on these businesses in specific regions. This study shows that MSMEs play a vital role in the local economy by significantly absorbing labor and increasing community incomes. The contribution of MSMEs to Indonesia's Gross Domestic Product (GDP) reaches more than 60%, confirming their position as the backbone of the national economy.
DINAMIKA EKONOMI INFORMAL: STUDI KASUS PEDAGANG PASAR TRADISIONAL DI KOTA X M. Udayan
Journal of Economic, Business and Accounting Vol 1 No 1 (2025): Agustus
Publisher : PT. Habe Cendekia Utama

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The informal economy in Indonesia is a significant sector, where workers lack formal legal protection and work independently or with the assistance of casual laborers. This study aims to understand the dynamics of the informal economy of traditional market traders in City X, providing academic, practical, and public policy implications. This study uses a descriptive-qualitative approach to understand the dynamics, patterns, social networks, and factors in traditional markets. The sample size was 100-200 respondents, with 15-30 key informants including senior traders, market managers, supplier representatives, and regular customers. The research shows that the informal economy in Indonesia, dominated by micro and small enterprises, plays a significant role in absorbing more than 59% of the workforce by 2025. Informal enterprises rely on equity, social loans, and trust networks as their primary social capital. The informal economy and traditional markets are crucial to the local and national economy. The informal economy is characterized by flexible micro and small enterprises, relying on limited capital and social networks, and contributing significantly to employment.
STRATEGI PEMASARAN PENJUALAN ONLINE DAN OFFLINE PADA PASAR TRADISIONAL DALAM PERSPEKTIF EKONOMI ISLAM Nila Artika Dewi
Journal of Economic, Business and Accounting Vol 1 No 1 (2025): Agustus
Publisher : PT. Habe Cendekia Utama

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This study aims to analyze online and offline sales marketing strategies applied in traditional markets, as well as evaluate the effectiveness of online marketing strategies in improving competitiveness amid the development of digital technology. Using a qualitative approach, this study was conducted in Pasar Umbul Kluwih, Pesawaran Regency, through the method of case studies, surveys, in-depth interviews, and Focus Group Discussions (FGD). The data collected is analyzed in a descriptive, comparative and qualitative way to provide a comprehensive overview of the marketing practices carried out by merchants. In addition, this study also examines the application of Islamic economic principles in marketing strategies, such as justice, honesty, and social welfare. The results showed that the combination of online and offline marketing strategies can increase the interaction between merchants and consumers, as well as make a positive contribution to sales. This study is expected to provide practical recommendations for traditional market traders in optimizing their marketing strategies, while maintaining values that are in accordance with Islamic economic principles.
DAMPAK EKONOMI KREATIF TERHADAP PEMBERDAYAAN MASYARAKAT Nur Dika Dewi
Journal of Economic, Business and Accounting Vol 1 No 1 (2025): Agustus
Publisher : PT. Habe Cendekia Utama

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The creative economy has become a dynamic and rapidly growing economic sector in the past two decades, driven by advances in digital technology, cultural globalization, and increasing awareness of the value of creativity and innovation. This study aims to understand the influence of the creative economy on community empowerment in specific sectors, to measure its contribution to increasing income, skills, or community independence. Furthermore, it provides theoretical and practical benefits for policymakers, business actors, and local communities. This study uses a quantitative approach with a survey method to investigate the relationship between creative economy variables and community empowerment. The study population included creative economy entrepreneurs and empowered communities in specific regions, using purposive sampling or stratified random sampling. The results of this study indicate that digital literacy has the most significant influence on community empowerment through the creative economy because digital literacy connects creative actors with global markets and marketing technology. Furthermore, entrepreneurial orientation and socio-cultural engagement are also key factors supporting the success of empowerment.
STRATEGI ADAPTASI PEDAGANG KAKI LIMA DALAM MENGHADAPI PERUBAHAN EKONOMI KOTA X Elisa Wulandari
Journal of Economic, Business and Accounting Vol 1 No 1 (2025): Agustus
Publisher : PT. Habe Cendekia Utama

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X City's economy is primarily dominated by the manufacturing, trade, hotels and restaurants, transportation, communications, and services sectors. The city plays a strategic role in the Ciayumajakuning region and is a center of trade and business due to its strategic location on the north coast of Java. This study aims to identify and analyze the adaptation strategies of street vendors, enrich studies of economic sociology and informal entrepreneurship, and provide valuable input for the city government and street vendor associations. This research method uses a qualitative descriptive approach to explore the social and economic issues faced by street vendors in X City. Street vendors (PKL) in X City are an important part of the local economy, despite facing challenges such as rising raw material prices, government regulations, illegal levies, and competition from modern businesses. They operate flexibly, focusing on specialty foods and beverages, and employ adaptive strategies such as price adjustments, product diversification, and social media marketing to maintain competitiveness.
PERAN PLATFORM E-COMMERCE DALAM MENDORONG PERTUMBUHAN EKONOMI UMKM DI INDONESIA Apriliyah Hidayat
Journal of Economic, Business and Accounting Vol 1 No 2 (2025): Oktober
Publisher : PT. Habe Cendekia Utama

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Abstract

UMKM di Indonesia mencapai 65,5 juta unit pada 2025, menyumbang 61,9% PDB dan 97% tenaga kerja, namun menghadapi tantangan akses pasar, permodalan, dan literasi digital yang diatasi melalui e-commerce seperti Shopee dan Tokopedia via program UMKM Go Digital. Penelitian ini bertujuan mendeskripsikan peran platform e-commerce dalam memperluas akses pasar UMKM serta menganalisis kontribusinya terhadap peningkatan produktivitas dan pendapatan. Menggunakan pendekatan deskriptif kualitatif dengan data sekunder dari laporan pemerintah, jurnal (JRIME, JDEP), dan survei (Ipsos), analisis isi serta triangulasi sumber diterapkan untuk mengklasifikasikan temuan ke dalam perkembangan e-commerce, peran platform, dampak ekonomi, dan tantangan. Hasil menunjukkan nilai transaksi e-commerce Rp471 triliun (pertumbuhan 26%), peningkatan omzet UMKM 25-40% via fitur live shopping dan analitik, pengurangan biaya operasional 20-30%, serta kontribusi PDB yang lebih tinggi, meski terkendala literasi digital (70% UMKM pedesaan) dan infrastruktur.​
DIGITALISASI UMKM SEBAGAI PENGGERAK EKONOMI KREATIF: PELUANG DAN TANTANGAN Cherin Putri Pratiwi
Journal of Economic, Business and Accounting Vol 1 No 2 (2025): Oktober
Publisher : PT. Habe Cendekia Utama

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Usaha Mikro, Kecil, dan Menengah (UMKM) menyumbang 60-61,9% terhadap PDB Indonesia dan menyerap 97% tenaga kerja nasional, sementara ekonomi kreatif tumbuh pesat hingga 7-8% PDB dengan subsektor seperti fesyen, kuliner, dan aplikasi teknologi. Digitalisasi menjadi krusial untuk mengatasi tantangan seperti literasi rendah dan infrastruktur tidak merata, sekaligus memanfaatkan peluang e-commerce dan social commerce. Penelitian ini bertujuan menganalisis peran digitalisasi UMKM sebagai penggerak ekonomi kreatif, mengidentifikasi peluang dan tantangan, serta merumuskan strategi penguatan transformasi digital.​ Metode penelitian menggunakan pendekatan deskriptif kualitatif melalui studi pustaka dari literatur akademik, laporan Bappenas, LIPI, BPS periode 2022-2025, dengan analisis isi dan triangulasi sumber untuk validitas.​ Hasil menunjukkan digitalisasi mendorong inovasi produk, efisiensi operasional via cloud accounting dan analytics, akses fintech seperti QRIS serta crowdfunding, serta ekspansi pasar global melalui marketplace seperti Shopee dan TikTok Shop. Peluang mencakup promosi viral Reels/Shorts dan inkubasi startup, sementara tantangan meliputi literasi digital rendah (hanya 30% UMKM optimal), kesenjangan infrastruktur rural, dan keamanan siber. Strategi solusi terintegrasi seperti Digital Talent Scholarship, Palapa Ring, dan KUR Digital Rp500 triliun dapat capai 40 juta UMKM online pada 2025.​
PERAN MEDIA SOSIAL TERHADAP PEMASARAN DAN PERLUASAN PASAR UMKM Lailatul Badriyah
Journal of Economic, Business and Accounting Vol 1 No 2 (2025): Oktober
Publisher : PT. Habe Cendekia Utama

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UMKM di Indonesia menghadapi tantangan persaingan pasar yang ketat di tengah kontribusi signifikan terhadap PDB dan lapangan kerja, di mana pemanfaatan media sosial menjadi kunci adaptasi digital untuk pemasaran efektif dan perluasan pasar, meskipun terkendala literasi digital rendah. Penelitian ini bertujuan menganalisis peran media sosial dalam pemasaran UMKM, identifikasi tantangan seperti keterbatasan kompetensi dan persaingan konten, serta peluang pengembangan melalui AI, pelatihan, dan integrasi marketplace. Menggunakan pendekatan deskriptif kualitatif dengan data primer dari wawancara semi-terstruktur pada UMKM aktif di Instagram, TikTok, dan Facebook selama minimal satu tahun, serta data sekunder dari studi pustaka, analisis dilakukan melalui model interaktif Miles dan Huberman dengan triangulasi untuk validitas. Hasil menunjukkan media sosial meningkatkan promosi visual (foto, reels), interaksi dua arah, branding via UGC, efisiensi biaya hingga 70-80%, serta ekspansi pasar global melalui targeting dan komunitas; tantangan utama meliputi literasi digital dan konsistensi, sementara peluang terbuka via otomatisasi dan edukasi pemerintah. Secara keseluruhan, optimalisasi media sosial memperkuat daya saing UMKM di era digital.​
STRATEGI BRANDING DIGITAL UMKM UNTUK MENINGKATKAN DAYA SAING DI PASAR GLOBAL Ashif Syaifullah
Journal of Economic, Business and Accounting Vol 1 No 2 (2025): Oktober
Publisher : PT. Habe Cendekia Utama

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Era globalisasi dan ekonomi digital menuntut UMKM Indonesia untuk mengadopsi strategi branding digital guna memperkuat daya saing di pasar global, di mana kehadiran online yang kuat memengaruhi 70% keputusan pembelian konsumen melalui platform seperti Instagram dan TikTok. Tantangan seperti literasi digital rendah, keterbatasan modal, dan regulasi ekspor menghambat hanya 15% UMKM yang berhasil menembus pasar internasional. Penelitian ini bertujuan menganalisis strategi branding digital efektif bagi UMKM, mencakup identitas merek, konten, advertising, dan e-commerce global, serta faktor pendukung-penghambatnya untuk transformasi berkelanjutan.​ Penelitian menggunakan pendekatan deskriptif kualitatif melalui wawancara semi-terstruktur dengan 10 pelaku UMKM dari sektor fashion, kuliner, dan kerajinan, dilengkapi observasi media sosial, e-commerce, dan data sekunder dari literatur serta laporan pemerintah selama tiga bulan. Analisis tematik mengidentifikasi pola strategi, faktor, dan implikasi.​ Hasil menunjukkan strategi terintegrasi seperti USP unik, SEO multibahasa, konten UGC, micro-influencer, dan marketplace seperti Etsy meningkatkan omset hingga tiga kali lipat serta ekspansi ke 10 negara dalam 1-2 tahun, didukung akses teknologi dan pelatihan pemerintah. Faktor penghambat meliputi literasi digital minim (60% UMKM) dan birokrasi ekspor, dengan implikasi peningkatan visibilitas 70%, ROI 40%, dan target 30 juta UMKM digital pada 2029 melalui sinergi stakeholder.
KONTRIBUSI UMKM TERHADAP PENYERAPAN TENAGA KERJA DAN STABILITAS EKONOMI INDONESIA Dzikri Darmawan
Journal of Economic, Business and Accounting Vol 1 No 2 (2025): Oktober
Publisher : PT. Habe Cendekia Utama

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Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran yang sangat penting dalam perekonomian Indonesia sebagai tulang punggung yang menopang keberlangsungan ekonomi nasional. Penelitian ini bertujuan untuk mengidentifikasi kontribusi kuantitatif dan kualitatif UMKM terhadap pasar kerja, menganalisis statusnya sebagai pilar perekonomian nasional, dan merumuskan strategi untuk memperkuat kekuatannya, sehingga mendukung stabilitas ekonomi secara keseluruhan. Metode penelitian yang digunakan dalam kajian ini adalah metode deskriptif kualitatif dengan pendekatan analisis literatur (library research). Hasil penelitian menunjukkan bahwa Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki kontribusi yang sangat besar terhadap perekonomian nasional, baik dalam penyerapan tenaga kerja maupun dalam menjaga stabilitas ekonomi Indonesia. Berdasarkan analisis data, sektor UMKM mampu menyerap sekitar 97 persen dari total tenaga kerja nasional, atau lebih dari 119 juta orang pada tahun 2025. 

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