GAME THEORY AND COMPETITIVE STRATEGY TRANSPORTASI ONLINE (GRAB AND
GOJEK) CONVENTIONAL AND SHARIA ECONOMIC PERSPECTIVE
Muhammad
Abdullah Amin Hasibuan
Afiliation: Student of Doctoral Program of Economics of Sharia,
State Islamic University of North Sumatra
Email: abdullahaminhasibuan33@gmail.com,
abdullahamin85@yahoo.com
ABSTRACK
In
this discussion the problem is about game theory and competitive strategies
from online transportation, namely Grab and Gojek to get customers amid the
progress of information, transportation and communication, so that there will
be an understanding of the second strategy of Transfortasi mode in the
development activities in Indonesia.
The
methodology in this discussion is descriptive, which is one type of research
whose purpose is to present a complete picture of social settings intended for
exploration and clarification of a phenomenon or social reality studied, namely
grab strategy and Gojek.
While
the purpose of this research is to find out the game theory and competitive
strategy from Grab and Gojek to reach customers in transfortasion services and
other services in addition to the exploration of forms of activity according to
conventional economics and Islamic economics.
After
the review, it was found that basically the two Transfortasi online modes
compete with each other but still prioritize excellent service in the form of
ease of ordering, convenience in vehicles, applying cash and non-cash payments,
and the most important is vehicle security. In terms of Islamic economic law
the activities carried out by the two modes of Transfortasi are not prohibited
because they do not violate the rules in the text and alhadist as long as the
people associated with them comply with the rules set by the two service
providers.
Keywords: Game Theory, Grab, Gojek, Islamic Ecomics, Convensional Economics.
A.
Introduction
Today's
modern era is marked by advances in information and technology as well as telecommunications
where humans, more specifically the Muslim ummah, have been spoiled with super
sophisticated telecommunication tools so that they have a positive impact on
the lifestyle of today's society, including the Islamic ummah, although it is possible
that it will still have a negative impact on society itself.
One
of the positive impacts of advances in information technology and
telecommunications is that it makes it easier for every community to travel
outside the house even though in Islam the provisions for leaving the house
have rules as written in the Koran and the Hadith of the Prophet Muhammad.
The
development of telecommunications in the form of android and iphone provides
opportunities for people and companies to develop online transportation where
ordering is made by using telecommunications technology that uses Android or
iPhone and the like without having to stop by the side of the road or use your
voice to order the tranfortasi.
Amazingly
this transportation mode is developed with certain features that have been
packaged in such a way as to track various types of services, both
transportation services such as cars, motorbikes between documents, buying food
and so on, making it easier for customers to make transactions without having to
get tired there. come here even the super busy people are very efficient to use
this tranfortasi mode, this is what is called online transportation.
Currently,
there are two large companies that provide online transportation in Indonesia,
namely PT Grab Indonesia and PT Gojek Indonesia, where each of these companies
has developed its business expansion efforts to make it easier for the public,
including Muslims, to enjoy various convenience features for making
transactions in every transportation activity. done by the community.
Various
game theory models and competitive strategies carried out by PT Grab Indonesia
and PT Gojek Indonesia will be discussed in this paper which will try to
elaborate according to conventional economics and Islamic economics.
B.
Theory Study
In
this discussion, we will define:
a. Game theory is a part of science that deals
with making decisions when two or more parties are in a state of competition or
conflict. The competing parties are assumed to be rational and intelligent,
meaning that each party will carry out a rational action strategy to win the
competition, and each party also knows the strategy of the other party.
Hereinafter this party is called a player.[1]
According to Ayu, game theory is a mathematical approach to formulate
situations of competition and conflict between various interests. Game theory
involves two or more decision makers or so-called players. Every player in game
theory has the desire to win.[2]
b. Competitive Strategy or competitive
advantage is the ability obtained through the characteristics and resources of
a company to have a higher performance than other companies in the same
industry or market. There are several explanations by experts about Competitive
Strategy, including: According to Kotler and Gary Armstrong competitive
advantage or competitive advantage is an advantage over competitors obtained by
offering lower value or by providing greater benefits because the price is
higher. The use of this theory must be able to consider what aspects will be offered
with low value but get greater benefits. For example, offering a low
registration fee, but the program implemented is still good, maybe even the
same as an expensive program. The role of competitive advantage is very
important in company performance. Competitive advantage comes from the many
activities of the company in designing, producing, marketing, delivering and
supporting the products or services produced. [3] Porter explained that competitive
advantages consist of: First, Low Cost (Low Cost), namely a strategy that
relies on relatively low cost advantages in producing goods and services. Second, differentiation, namely the
ability to produce goods and services that are unique and have more value in
the form of quality, special characteristics and other services. Third, Focus, namely a strategy that
seeks to excel in certain target segments.
[4] Based on the above understanding, competitive
advantage cannot be understood by looking at the company as a whole.
Competitive advantage comes from the many different activities that companies
carry out in designing, producing, marketing, delivering, supporting their
products. Each of these activities can support a firm's relative cost position
and create a basis for differentiation. For example, the cost advantage in a
company can come from a low cost-based marketing system, effective and
efficient operational activities, purchasing of high quality raw materials, and
superior product design.
c. Online
transportation is a transportation company that uses an application as a
liaison between the user and the driver which makes ordering very easy, besides
that the travel rates can be seen directly on the application. Another
definition was mentioned by Doni from Unair who said that online transportation
is a form of road traffic and transportation that runs by following and
utilizing the development of science (technology). Another thing was also
mentioned by Ellen from Unair who stated that online transportation is a form
of developing the potential and role of national transportation which
simultaneously supports economic development and regional development. From
various explanations regarding online transportation that has mushroomed in
this country, it can be concluded that the meaning of online transportation is
an implementation of Road Traffic and Transportation that runs by following and
utilizing the development of application-based and online science (technology)
both for ordering and payment.
[5]
d. Perspective
is a point of view or point of view of seeing the symptoms of a situation in
the midst of society. In line with the various opinions put forward by experts
such as Martono who state that perspective is a way of looking at a problem
that occurs, or a certain point of view used to see phenomena as well as Ardianto
and Q anes which interpret perspective as our point of view of seeing
something. [6]
e. Conventional
Economy is an economic system in the activities of human behavior in meeting
their unlimited needs using limited production factors. [7]
f.
Sharia economics is a system in
human activities related to production, distribution, exchange and acquisition
and consumption of goods and services inspired by Islamic values. [8]
C. Methodology
The research methodology is
carried out in a descriptive way, which is one type of research whose purpose
is to present a complete picture of the social setting or is intended for
exploration and clarification of a phenomenon or social reality, [9]
by describing a number of variables with respect to the problem and the unit
under study between the phenomena being tested. . In this study, the researcher
has a clear definition of the research subject and will use the who question to
dig up the information needed.
D. Findings
From the observations made, there are several findings that can be
written as follows:
a. That online
transportation is very loved by the community, this can be seen from the number
of orders made by customers to grabs totaling 2.5 million subscribers every
day. [10] Likewise
with motorbikes which receive orders of more than 100 million each month. [11]
b. That online
transportation is spreading, where this can be seen on the streets where a lot
of people use this transportation mode, as well as the number of drivers who
spill over in big cities in Indonesia and in Southeast Asia.
c. The number
of features in ordering in online transportation makes this transportation mode
an idol in the midst of society.
d. Competitive
and relatively affordable prices make online transportation very loved.
e. How to order
that is easy to do even if you don't have an application or Android, iPhone and
internet data packages, many customers who order through friends or relatives
and even people around us make this transportation mode easy to use.
f. Payment of
tariffs can be made in cash and non-cash if in cash it is made by payment with
a valid currency of exchange in the form of money while in non-cash, namely by
using grap pay or OVO or Gopay, which is a type of electronic money that is
easier to use without having to pay and ask for change when have arrived at the
destination or at the time of making a payment.
E. Discussion
a. Online
Tranfortasi Strategy
Who doesn't know this application service-based company? An online
transportation that has become a basic necessity in metropolitan cities and
several other big cities. That's right, online motorcycle taxis are a booming
transportation service right now.
Although in recent times, this online-based transportation has
received a big challenge in the form of pros and cons that occurred when the
local government revoked the service operating license. However, all these
obstacles actually make online transportation more successful, and it can even
become a basic necessity in big cities, like Indonesia.
There are two points to highlight here. First , the mistakes of public
transportation-based companies that ultimately make the market switch to online
transportation services. If you look deeper, the root of the problem lies in
the old Marketing Strategy which is being maintained. Whereas entrepreneurs
fail due to businessmen who insist on the old strategy that does not bring
results for the company. This is what has happened to several public transport
service providers or the taxi industry which has been displaced due to online
transportation. It must be admitted that we have entered the era of the global
economy like today, anyone can enter with various business models run by
everyone. Especially internet-based businesses and technology are starting to
arrive. Finally, this condition makes consumers increasingly accustomed to
brilliant business ideas carried out by several people and that is what they
are waiting for.
The second aspect is that the
advantages that we can learn from online transportation services such as Gojek
and Grab or other online businesses are how the business model that is run can
be accepted by the community and adapt to the times. In this case, the service
provider company, everything is completely connected to the internet.
Then the strategies they use so that the online business they run can
be successful at least 5 accurate strategies in running a business. namely:
1.
Prioritizing Customers, Today's business people
have succeeded in guessing the market's willingness and want to understand that
customers are not only limited to buyers. In the past, only business people. Behave
both the buyer and if they do not buy impress indifferent and unfriendly. Well,
now everything has changed. Business people, especially online transportation,
mean that the customer is a colleague, team or even king. Because of this,
business people must really focus on customers and the general public who use
services. They also have to realize that the market wants them to be the
priority and scale of the company's needs. At least, this is what online
transportation service providers such as Gojek, Grab and Uber are doing in
seeing the current market conditions. So far, maybe a lot of customers spend
their time waiting for transportation to arrive, or they take public
transportation with drivers who are not friendly, inconsiderate and customers
do not feel comfortable at all. True, many customers have been disappointed.
2.
Definite price, if you look at the progress of
cyber business people, it is more due to the success of providing clear,
definite information and customers already know the price from the start. So,
they no longer feel nervous about the price given because it is clear. Of
course, from this we already know that people in the digital era have made
observations before making a transaction. So the main thing that is needed is
the validity of the price of a product and of course without any defects as
they ask for.
3.
Focus on Improvement, The success of online
transportation in capturing the market is something that we should appreciate.
Although in several cities, online-based services are opposed, online
transportation has spread to all sectors. Even some companies like Gojek do not
only provide delivery services. However, it has provided solutions for citizens
of Indonesia and several other cities. Imagine, as many as 10 million people
have downloaded and enjoyed the services they provide. It can be said that the
startup entrepreneur founded by Nadiem Makarim is the largest startup in
Indonesia. Even in the repair process, Gojek has provided 15 services, from Go-Ride,
Go-Car, Go-Food, Go-Send, Go-Mart, Go-Box, Go-Massage, Go-Clean, Go-Glam,
Go-Tix, Go-Busway, Go-Pay, Go-Med, Go-Auto and most recently Go-Pulsa. Well,
the result of this continuous improvement. Online-based companies have
succeeded in increasing their competitiveness and leaving conventional business
patterns that are obsolete.
4.
Sensitive to Market Needs, Sensitive to market
needs and the current situation are indispensable things in building a
business. In this case, the business owner has an important role in determining
the direction of the company. So he must prove that he is able to bring the
company to move in a more significant direction. You can also see that
application businesses such as Gojek, Grab and Uber are businesses that have
been tested to create jobs, absorb new workers and become smart solutions to
current conditions.
5. The pursuit
of perfection , that a company should not be too rigid with a business
approach, "once independent remains independent." It can't be like
that. Because in the current era, the market continues to change and
online-based businesses have been very aggressively developing. Now, if we are
slow in pursuing perfection, then we will be left behind. Updating and
perfecting a business must be done every time, so that you can create a new
trend and pattern in people's consumption. Online transportation can be said to
be successful in introducing new business models by combining technology and
innovative business models. For customers who use online application-based transportation
services, it means that they have considered convenience compared to using
public transportation or base motorcycle taxis, which sometimes make customers
wait and even get disappointed with the service. Meanwhile, for some
industries, entering the global era with increasingly sophisticated technology
and easy internet services, they must be able to change their old mindset and
marketing strategy. This is the right choice compared to sticking with the old
patterns or ways.
b. Grab strategy to get customers
After Grab acquired Uber, the online
transportation service provider only had to compete with Go-Jek in Indonesia.
The intense competition between companies forces both parties to create new
innovations in order to attract many customers.
At the age of six, the CEO of Grab launched GrabPlatform as the new
face of this Southeast Asia-based application. Later, Grab will provide
services between large quantities of groceries, presenting the latest news, to
game features.
This competition will give birth to new innovations so that they will
appear better. Want to know what innovations and strategies are used by Grab to
compete with other competitors, including:
a) Launched
GrabPlatform, an all-featured application , Carrying the spirit of Everday Superapp,
GrabPlatform is committed to being an application that helps daily activities.
With just one application, Grab users can do whatever they want. With
GrabPlatform, people can people can book transfortasi cars, motorcycles, also
can order food, read the news, play games , and even that could be a wallet
because it is filled with electronic money that can be used to shop at the
outlets outlets have been using OVO . Everything is just one application .
b) Embracing
start-ups to grow rapidly. Currently, Grab has recorded two billion drivers
with 100 million downloads and has spread across eight countries. With its
network, Grab is open to start-ups who want to work together. This step is one
of Grab's strategies to compete with other competitors, including Go-Jek.
c) Fast and
easy disbursement of money for drivers. Not only is the feature enhanced by
Grab, their attention to drivers is also increased. Such as the process of fast
instant disbursement of funds for those who are paid non-cash. As Ceo Grab
stated, “We understand that many driver-partners are still reluctant to accept
cashless payments due to the longer processing times for credit and debit card
transactions. We believe this instant disbursement feature will make them more
comfortable with non-cash payments, "explained Mediko Azwar as Marketing
Director of Grab Indonesia. In other words, it doesn't take drivers days to
cash out payments via GrabPay or OVO.
d) SOS
button for emergency situations for passengers . Regarding the rampant crime
committed by unscrupulous Grab drivers, the management has added an SOS button
to improve passenger safety. With just two touches, the passenger's last
location will automatically be spread to friends or family members. Then, Grab
also implemented a Know Your Driver-Partners (KYP) policy as a condition for
registering as a driver. With KYP, drivers are required to submit their KTP,
SIM, STNK, and Police Record Certificate (SKCK). [12]
G. Gojek Strategy to Get Costumers
Go-Jek Indonesia is a transportation service in Indonesia that has
been operating since 2011. Go-Jek is the pioneer in providing professional
motorcycle taxi services. Trying to offer the factors of speed, safety and
convenience for its customers, Go-Jek is growing as a promising startup in the
capital. To reduce the problem of providing cash, Go-Jek offers Go-Jek Credit
e-wallet solutions. You could say Go-Jek is like a motorcycle taxi version of
Uber which is suitable for delivering goods, means of transportation, and even
helping with shopping activities in the Indonesian wilderness .
In terms of attracting consumers,
Go-Jek implements a variety of marketing strategies including:
a) One of
them is in determining the tariff. Pricing activities play an important role in
the marketing mix process. Pricing decisions are very important in determining
how far a service is valued by consumers and the image building process.
Pricing also provides certain perceptions in terms of quality. In this case
Go-Jek sets a fairly cheap rate for its service users so that consumers who
used to use regular motorbikes then switch to Go-Jek.
b) Strategy
in the promotion of services. Such as the establishment of advertising media
using internet, social media, brochures, radio, direct selling , events, media
partners, and also through traditional marketing such as word of mouth
publications. Go-Jek itself is also very familiar among artists, so in this
case Go-jek also uses artists as brand ambassadors to attract consumers.
c) Making
various kinds of feedback received, Go-Jek provides many benefits for consumers
seen from the various service features offered by Go-Jek such as GO-SEND,
GO-RIDE, GO-FOOD, GO-MART, GO-BUSWAY, GO-BOX, GO-CLEAN, GO-GLAM, GO-MESSAGE,
can be said to spoil consumers.
F. Perspective of Conventional Economics and
Islamic Economics
a)
Conventional Economic Perspective
Conventional Economy is a model of economic activity used in Indonesia
today, seeing the business strategy carried out by Grab and Gojek as two online
transportation modes in Indonesia, so the strategy used is an effort to attract
consumers to use their services.
In terms of the effort made, of course it has a minius plus for
service users if convenience is a priority scale, it depends on the service provider
itself. In Indonesia, an online transportation driver is free and can use 2
applications at the same time with the same transportation mode even though in
terms of permits it is not played by companies, either Grab or Gojek. So in
terms of relative convenience, vehicles provide convenience for customers.
That the conventional economy has the concept of getting the greatest
possible profit as an economic motive even though it is without limits, it must
see competition and competitive opponents so that it is necessary to take
measurements by looking at the platforms made by their opponents.
Conventional economic ethics allows and approves all strategic
platforms created by online transportation, both grab and Gojek, as long as the
platform can provide benefits or provide cash, conventional allows it. In
principle, if the service is sold in accordance with the terms of the price
offered, conventionally guarantees it.
b) Islamic Economic Perspective
Sharia economics is an economic principle based on the Koran and the
hadith of the prophet Muhammad SAW, in fact every transaction or economic
activity in any form should not deviate from the rules of Allah SWT as written
in the text of the Koran and al hadith.
The concept of Game theory and
Competitive strategy carried out by the online transportation mode is currently
part of muamalah, if it is seen from the perspective of Islamic economic law
that the legal basis of muamalah is permissible unless there are arguments
against it.
As long as this form of transaction does not violate the concept of
Maghrib (Maisir, Gharar, Riba) and
other matters that have been regulated in Nash, so long as this form of
competition from the second mode of online translation is allowed in the review
of Islamic economic law.
There are several forms of strategy carried out by these two modes of
transportation which we can explain the laws according to the findings we find
in online transportation activities as follows :
1. That online
transportation is very loved by the public, this can be seen from the number of
orders made by customers to grabs totaling 2.5 million subscribers every day. [13] Likewise
with motorbikes, which receive orders of more than 100 million each month. The
explanation of this from a legal point of view is that it is permissible for
every milk as long as there is no argument against it.
2. That online
transportation is spreading, where this can be seen on the streets where a lot
of people use this transportation mode, as well as the number of drivers who
spill over in big cities in Indonesia and in Southeast Asia,
3. The number
of features in ordering in online transportation makes this transportation mode
an idol in the midst of society. As long as this feature does not contain
immorality, it is possible that at this time there are features that may need
to be legally emphasized, namely the Go massage feature or ordering for massage
or poke. In Islam, it does not regulate the thread or sequence, but in Islam
what is allowed is cupping where cupping is part of the treatment of the
Prophet Muhammad.
4. Competitive
and relatively affordable prices make online transportation very loved.
Understanding the wishes of customers is part of creativity, Islam respects
creativity because in the Koran it is stated as follows:
وَقُلِ اعْمَلُوا
فَسَيَرَى اللَّهُ عَمَلَكُمْ وَرَسُولُهُ وَالْمُؤْمِنُونَ ۖ وَسَتُرَدُّونَ إِلَىٰ عَالِمِ الْغَيْبِ وَالشَّهَادَةِ
فَيُنَبِّئُكُمْ بِمَا كُنْتُمْ تَعْمَلُونَ
And Say:
"Work you, then Allah and His Messenger and the believers will see your
work, and you will be returned to (Allah) Who Knows the unseen and the real,
and He will tell you what you have done. do it. [14]
How to order that is easy to do even if you don't have an application or
Android, iPhone and internet data packages, many customers who order through
friends or relatives and even people around us make this transportation mode
easy to use. In Islam the concept of help as a Muslim identity is recommended
as Allah says:
وَتَعَاوَنُوا
عَلَى الْبِرِّ وَالتَّقْوَىٰ ۖ وَلَا تَعَاوَنُوا
عَلَى الْإِثْمِ وَالْعُدْوَانِ ۚ وَاتَّقُوا
اللَّهَ ۖ إِنَّ اللَّهَ شَدِيدُ الْعِقَابِ
And help you
in (doing) goodness and piety, and don't help in committing sins and
transgressions. And fear Allah, indeed Allah is very heavy in punishment. [15]
Payment of tariffs can be made in cash and non-cash if in cash it is
made by payment with a valid currency of exchange in the form of money while
non-cash is by using GRAB PAY or OVO or GOPAY, which is a type of electronic
money that is easier to use without having to pay and ask for change when have
arrived at the destination or at the time of making a payment. The Islamic
economic perspective allows this transportation model both in terms of
transportation mode and buying and selling transaction model. Many people doubt
the use of non-cash payments which are cheaper than cash, but in Islam this is
permitted by means of buying and selling greetings. A salam card is a
transaction using cash paid for in cash, goods will follow. However, the object
of the Salam contract transaction is goods. Consumers buy goods, the money is
paid in cash up front, but the goods arrive a month or two later.
Our people do a lot of these transactions, such as e-Toll or e-money for
payment of some services provided by application organizers. The contract is a
sale and purchase, with money being paid up front, while the benefits /
services will only be obtained after a few days or a few days later. Ibnul
Mundzir said, 'The scholars I know agree that the legal greeting is
acceptable.' Because goods are one of the objects of the transaction, they may
be deferred as payment. As this applies to goods, this also applies to
services. So it is okay for consumers who have credit to Gopay on motorbikes
and Ovo on Grab to get a discount.[16]
F. Conclusion
That the Theory game which is
carried out by Grab and Gojek as an Online Transportation Mode currently tends
to be the same, namely prioritizing convenience for customers, providing
security for passengers and excellent service for customers in accordance with
the operational standards of their respective companies.
Whereas the competitive strategy used is kneeling on adding features to
the convenience of ordering features, the number of menus in the application so
that companies not only benefit from transportation activities but also from
other features provided in the application.
Fare payments made by passengers
through electronic money transactions in the form of OVO or GOPAY make it easy
for passengers so that passengers and drivers do not have to look for change,
they must exchange money as is done when the transaction uses cash.
In Islamic law, the activities
carried out by these two modes of transformation are allowed as long as there
are no texts that prohibit it, in fact, no transactions are prohibited as long
as all parties obey the rules set by the application provider, namely the grab
party and the Gocar party.
G.
Reference
Alquran al
Karim, tafsirq.com .
Dimyati TT and
Dimyati A. Operation Research: Retrieval Models
Decision , Bandung: CV. Sinar Baru Bandung: 1992.
Media Ayu
Anugrah, Introduction to Research Operationa, Jakarta: Rineka
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Kotler, Philip
and Armstrong, Gary, Principles of Marketing . New Jersey:
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Thursday, February 28th, 2019.
http ://www.d
defineimenurutparaahli.com/pengentuk-perspektif-atau-sudut
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http://alihanafiah89.blogspot.com/2010/05/definisi-ekonomi
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,Thursday, February 28th, 2019
http://ilmuekonomis.blogspot.com/2015/02/pengentuk-ekonomi-konvensional-dan.html , Thursday,
February 28, 2019
Descriptive
Research . Accessed February 28, 2019.
https://www.grab.com/id/press/business/grab-rayakan-ulang-tahun-ke-5-dan-pencapai-signifikan-pengguna/ , Thursday
28th Fenruari 2019
https://tekno.kompas.com/read/2017/12/18/07092867/berapa-jotal-pengguna-dan-pengenger-go-jek ., Thursday
February 28, 2019
https://www.idntimes.com/news/indonesia/vanny-rahman/bersaing-ketat-dengan-go-jek-ini-4-jurus-ampuh-grab/full , Thursday,
February 28, 2019.
https://islampedia.id/apakah-riba-jika-mengusing-fitur-go-pay-dari-go-jek-acac1b7ce912 , Accessed
February 28, 2019.
[1] Dimyati TT and Dimyati A. Operation Research:
Models of Decision Making, (Bandung: CV. Sinar Baru Bandung: 1992), p. 75.
[2] Media Ayu Anugrah,.Pengantar Research Operational, (Jakarta: Rineka Cipta, 1996), p.
70
[3] Kotler,
Philip dan Armstrong, Gary, Principles of
Marketing. (New Jersey: Prentice Hall, 2012), p. 35.
[4] Ibid.
[5]https://belajarpsikologi.com/pengertian-transportasi-online/Accesed
Thursday, 28 Februari 2019.
[6]http://www.definisimenurutparaahli.com/pengertian-perspektif-atau-sudut-pandang/Accesed
Thursday, 28 Februari 2019
[7]http://alihanafiah89.blogspot.com/2010/05/definisi-ekonomi-konvensional.html, Accesed
Thursday,28 Februari 2019
[8]http://ilmuekonomis.blogspot.com/2015/02/pengertian-ekonomi-konvensional-dan.html,
Accesed Thursday, tanggal 28 Februari 2019.
[9]Penelitian Deskriptif. Accesed Thursday, 28 Februari 2019.
[10]https://www.grab.com/id/press/business/grab-rayakan-ulang-tahun-ke-5-dan-pencapaian-signifikan-pengguna/, Accesed
Thursday, 28 Februari 2019
[11]https://tekno.kompas.com/read/2017/12/18/07092867/berapa-jumlah-pengguna-dan-pengemudi-go-jek.,
Accesed Thursday, 28 Februari 2019
[12]https://www.idntimes.com/news/indonesia/vanny-rahman/bersaing-ketat-dengan-go-jek-ini-4-jurus-ampuh-grab/full,
Accesed Thusrday, 28 Februari 2019.
[13]https://www.grab.com/id/press/business/grab-rayakan-ulang-tahun-ke-5-dan-pencapaian-signifikan-pengguna/
Accesed Thursday, 18 Februari 2019.
[14]
Alquran surah 9 (Attaubah) ayat 105.
[15]
Alquran Surah 5 (al Maidah) ayat 2
[16]https://islampedia.id/apakah-riba-jika-menggunakan-fitur-go-pay-dari-go-jek-acac1b7ce912, accesed
Thursday, 28 Februari 2018.
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