Nurjannah Nurjannah, Ika Wisudawaty

Penguatan Literasi Keuangan Pedagang Kelontong Akibat Dampak Kehadiran Minimarket (Studi Kasus di Kecamatan Tamalate Kota Makassar)

Introduction

Penguatan literasi keuangan pedagang kelontong akibat dampak kehadiran minimarket (studi kasus di kecamatan tamalate kota makassar). Penguatan literasi keuangan pedagang kelontong di Makassar hadapi dampak minimarket. Temukan strategi usaha kecil bertahan di tengah persaingan ritel modern, jaga omzet.

Abstract

Perkembangan keberadaan minimarket ritel modern semakin pesat pada era sekarang. Selain daerah perkotaan, ritel modern juga telah menjangkau daerah pedesaan. Mempertahankan bisnis lokal, tradisional, dan usaha kecil, terutama yang menawarkan produk dan layanan yang sama merupakan tantangan umum. Tujuan penelitian adalah untuk menganalisis bagaimana implikasi kehadiran minimarket terhadap keberadaan usaha pedagang kelontong dan bagaimana literasi keuangan dapat memperkuat ketahanan usaha kelontong di Kecamatan Tamalate Kota Makassar. Penelitian ini merupakan penelitian kualitatif. Adapun tahapan pengumpulan data yaitu: Metode wawancara,, observasi, dan metode dokumentasi. Digunakan tiga tahap yaitu reduksi data, penyajian data, dan penarikan kesimpulan dalam menginterpretasikan data. Hasil penelitian menunjukkan bahwa kehadiran minimarket memberikan implikasi baik secara positif maupun negatif terhadap keberadaan toko kelontong. Dampak positifnya bahwa pelaku usaha toko kelontong bisa membeli perlengkapan yang tidak tersedia di toko milik mereka di minimarket, serta produk yang sedang diskon di minimarket dapat mereka beli lalu menjual kembali dengan harga normal. Dampak negatifnya yaitu banyak konsumen yang beralih ke minimarket mengakibatkan penurunan omzet penjualan yang cukup berdampak bagi operasional usaha.

Review

The study, "Penguatan Literasi Keuangan Pedagang Kelontong Akibat Dampak Kehadiran Minimarket (Studi Kasus di Kecamatan Tamalate Kota Makassar)," addresses a timely and significant issue concerning the viability of traditional small businesses amidst the rapid expansion of modern retail outlets. The research aptly identifies a common challenge faced by local, traditional, and small enterprises, particularly those offering similar products and services. By focusing on *pedagang kelontong* (small traditional grocery store owners) in a specific Makassar sub-district, the study promises valuable localized insights into global economic shifts, setting clear objectives to analyze both the implications of minimarket presence and the potential role of financial literacy in bolstering business resilience. Methodologically, the qualitative approach, utilizing interviews, observation, and documentation, is well-suited for an in-depth exploration of this socio-economic phenomenon. The abstract effectively outlines the dual impact of minimarkets on *toko kelontong*, presenting both unexpected positive consequences (e.g., sourcing discounted products, purchasing items not stocked) and the more anticipated negative effects (e.g., customer diversion, significant decline in sales turnover). However, a noticeable omission in the presented findings is the detailed elucidation of *how* financial literacy *strengthens* business resilience. While the problem of minimarket competition is well-articulated, the abstract doesn't yet clearly connect this impact to the "strengthening of financial literacy," which is a central theme indicated by the title and one of the core research questions. To maximize its impact and fulfill its stated objectives, the full manuscript must significantly elaborate on the "Penguatan Literasi Keuangan" (Strengthening Financial Literacy) aspect. The abstract currently highlights the challenges but does not delve into the strategies or existing practices related to financial literacy that either mitigate these challenges or are necessary for resilience. The reviewer anticipates that the paper will provide specific examples of financial literacy interventions, knowledge, or practices observed among the *pedagang kelontong* that contribute to their ability to adapt and sustain their businesses. Developing this crucial link will not only deepen the study's analytical rigor but also offer actionable insights for supporting traditional small businesses in competitive retail environments.

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