Tujuan studi ini adalah untuk menyelidiki bagaimana cara menentukan harga penjualan pada warung makan Mba Citra yang  sebagai pemilik sekaligus pegelolanya, Mba Citra dan Suaminya Mas Djarwo yang menerapkan kearifan budayanya sebagai orang Jawa dalam kehidupan sehari-harinya terutama dalam kegiatan usaha warung makannya yang didirikan sejak tahun 90-an. Studi ini menggunakan pendekatan etnomethodology. Studi menunjukkan bahwa dalam penetapan harga atau price setting pada warung makan ini, tidak seperti warung makan lainnya yang menginginkan keutungan yang sebesar-besarnya, tetapi pengelolanya lebih mengutamakan niat untuk menolong memenuhi kebutuhan pokok pelanggannya  yang didominasi oleh anak-anak kos.Kata kunci: Kultur Jawa, Price Setting, Warung Makan, Etnometodology

Abstrak: Analisis Dampak Covid 19 Pada UMKM Provinsi Gorontalo. Penelitian ini memiliki tujuan untuk mengetahui sejauh mana dampak covid 19 pada Usaha Mikro Kecil Menengah yang ada di wilayah Provinsi Gorontalo. Sejak diberlakukannya kebijakan Pembatasan Sosial Berskala Besar oleh Pemerintah Indonesia dan Pemerintah Provinsi Gorontalo khususnya, banyak pelaku-pelaku usaha mengalami kesulitan dalam krisis pandemic ini. Dengan menggunakan metode penelitian statistik deskriptif, hasil temuan menyatakan bahwa pandemic covid 19 ini sangat berdampak signifikan terhadap pertumbuhan ekonomi UMKM di Provinsi Gorontalo terutama pada aspek hutang usaha yang meningkat selama masa pandemic, aspek perolehan omzet yang berdampak pada penurunan laba usaha serta dari aspek jangkauan pemasaran yang juga ikut menurun.Kata Kunci: Hutang Usaha; Penurunan Laba; Jangkauan Pemasaran; Covid 19; UMKMAbstract: Analysis of The Impact of Covid 19 On MSMES In Gorontalo Province. This study aims to determine the extent of the impact of Covid 19 on Micro, Small and Medium Enterprises in Gorontalo Province. Since the implementation of the Large-Scale Social Restrictions policy by the Government of Indonesia and the Provincial Government of Gorontalo in particular, many business actors have experienced difficulties in this pandemic crisis. By using the descriptive statistical research method, the findings state that the Covid 19 pandemic has a very significant impact on the economic growth of MSMEs in Gorontalo Province, especially in the aspect of business debt which increased during the pandemic, the aspect of turnover which has an impact on decreasing operating profits as well as from the aspect of marketing outreach. which also declined. Keywords: Business Debt; Reducing Profits; Marketing Range; Covid 19; MSMEs

Penelitian ini bertujuan untuk mengetahui pengaruh NPF (Non Performing Financing), FDR (Financing to Deposit Ratio), Margin Keuntungan, serta inflasi terhadap pembiayaan Murabahah, dengan menggunakan data time series selama 10 tahun terakhir yaitu Januari 2010 sampai Desember 2019 pada Bank Pembiayaan Rakyat Syariah (BPRs) yang diterbitkan oleh Otoritas Jasa Keuangan (OJK). Metode Analisis yang dipilih untuk kepentingan analisis data menggunakan metode estimasi OLS (ordinary least square) dngan menggunakan koreksi kesalahan (error correction model/ECM). Hasil penelitian menunjukkan bahwa secara jangka pendek NPF berpengaruh positif, sedangkan FDR, Margin Murabahah dan Inflasi berpengaruh negatif terhadap besaran pembiayaan murabahah BPR syariah di Indonesia selama sepuluh tahun terakhir. Secara jangka panjang NPF dan inflasi berpengaruh positif, sedangkan FDR dan Margin Murabahah berpengaruh negatif terhadap besaran pembiayaan murabahah BPR syariah di Indonesia.

The COVID-19 pandemic that has hit since the beginning of 2020 has forced the government to issue a social distancing policy . This policy dampens the economic activity of the community, including buying and selling transactions, to the use of online payment systems to make it easier for people to meet their needs from home.  This study aims to analyze the determinant factors that influence Behavior Intention on the use of online delivery systems using the UTAUT 2 method. The object of this research is dominated by the millennial generation who have more user experience. The independent variables studied in this study were Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Facilitating Conditions (FC), Price Value (PV), Hedonic Motivation (HM), and Habit (H) towards Behavior Intention (BI) using PLS-SEM analysis technique. The results of this study indicate that the variables of Performance Expectancy, Price Value, and Habit have a positive effect on Behavior Intention while other factors have no effect on Behavior Intention.

This research was conducted to determine the extent to which education is able to motivate young people to become investors in the Islamic capital market. Education is needed as a driving factor in a person to make decisions. IAIN Sultan Amai Gorontalo Islamic Investment Gallery is a forum used for potential investors and investors who are still operating until now. This study uses a descriptive qualitative approach, which is the method used to analyze data based on facts found in the field as evidence to answer what impact education has on investment motivation. Data collection techniques are interviews, and customer documentation of the Islamic Investment Gallery of Gorontalo State Islamic Institute. The results of the study revealed that with the education and motivation of GIS IAIN Sultan Amai Gorontalo, the number of customers was able to increase, in the March 2020 period the number of investors increased by 171, from 2019 which only reached 150 investors. And the factors that motivate students to invest in the Capital Market are because of the benefits, needs and long-term savings.