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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review JURNAL EDUCATION AND DEVELOPMENT ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES JAIM (Jurnal Abdi Masyarakat) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Akubis: Jurnal Akuntansi dan Bisnis INSPIRASI (JURNAL ILMU-ILMU SOSIAL) Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Jurnal Pengabdian kepada Masyarakat Berajah Journal Akuntansi Bisnis & Manajemen (ABM) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceeding International Seminar of Islamic Studies Jurnal Ekonomi Syariah dan Bisnis Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Pengabdian Masyarakat Bangsa Journal of Business Management and Economic Development Jurnal Pengabdian Sosial Jurnal Pengabdian Masyarakat dan Riset Pendidikan Moneter : Jurnal Ekonomi dan Keuangan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Intelek Dan Cendikiawan Nusantara Journal of Scientific Insights
Imama Zuchroh
STIE Malangkucecwara Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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PRINSIP KEADILAN EKONOMI DALAM PRESPEKTIF ISLAM DAN IMPLEMENTASINYA Imama Zuchroh
JURNAL EDUCATION AND DEVELOPMENT Vol 12 No 2 (2024): Vol 12 No 2 Mei 2024
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37081/ed.v12i2.5737

Abstract

Islam social Finance telah memainkan peran penting dalam membantu mengurangi tingkat kemiskinan dan ketimpangan melalui bantuan kepada masyarakat atau umat. Dan kurun waktu dua tahun ini begitu banyak riset-riset mengenai peran ISF pada dunia. Jika melacak kebelakang lebih dari 1400 tahun yang lalu mengenai kejayaan ISF pada masa Kekhalifan (Al Qardawi, 1999). Banyak literatur menunjukkan bahwa pengelolaan Baitul Maal pada masa Khalifah Abu Bakar awalnya hanya bertugas untuk mendistribusikan harta saja, namun pada tahun kedua kepemimpinannya juga berfungsi sebagai tempat menyimpan berbagai kekayaan yang dimiliki negara. Baitul maal digunakan untuk membiayai kepentingan negara dan kesejahteraan rakyatnya. Mengingat kesadaran masyarakat akan kewajibannya yang semakin baik, fakta pendukungnya adalah saat ini Indonesia merupakan negara terbesar ke-4 dan penduduk muslim terbesar di dunia, mayoritas umat Islam kaya akan sumber daya alam dan wakaf, beberapa potensi Islam untuk memberdayakan umat Islam, bangsa dan negara. Dan fakta ini didukung oleh indikasi bahwa jumlah dana yang dikumpulkan dan dikelola oleh lembaga negara (BAZNAZ) semakin meningkat. Maka sebuah peran besar dari ISF saat ini adalah sebuah keniscayaan. konvensional keuangan sosial sebenarnya tidak jauh berbeda, namun dalam keuangan sosial Islam tunduk pada prinsip syariah. Diharapkan dampak positif bagi masyarakat dari Islamic Social Finance lebih besar. Sedangkan sektor keuangan sosial Islam secara luas terdiri dari lembaga-lembaga Islam tradisional yang berbasis filantropi misalnya zakat, shadaqah dan wakaf. Filantropi Islam memiliki potensi besar untuk dikembangkan menjadi aset produktif, yang pada akhirnya tidak hanya mampu mendukung bakti sosial keagamaan, tetapi juga diarahkan untuk mendukung berbagai inisiatif dan tujuan keadilan sosial. Selain itu, tentunya ISF merupakan potensi ekonomi yang sangat besar. Dan agar dampak positif yang lebih besar dari ISF dapat dimainkan, distribusi ke ummat melalui Lembaga Keuangan Mikro Islam akan lebih tepat sasaran. Metodologi yang digunakan dalam penelitian ini adalah penelitian kepustakaan, berbagai bahan mengenai ISF dikumpulkan dan dianalisa. Sehingga menghasilkan kesimpulan bahwa ISF dapat menjadi “problem solving” dalam mengatasi berbagai persoalan dari ketimpangan, kemiskinan hingga kemakmuran seluruh mayarakat Indonesia.
Transformasi Digital Moneter: Analisis Komprehensif Implementasi Central Bank Digital Currency (CBDC) dan Implikasinya Terhadap Stabilitas Sistem Keuangan Imama Zuchroh; Regina Septi Wanti Bere; Kristina Gemma Galgani; Grace Imanuela Lay Rihi; Budi Cahyono
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 1 (2025): Januari : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i1.1055

Abstract

This study examines the phenomenon of Central Bank Digital Currency (CBDC) as a technological innovation that changes the landscape of the global monetary system. In the midst of the rapid development of digital technology and cryptocurrencies, central banks in various countries are starting to consider and develop their own digital currencies. This study aims to comprehensively analyze the aspects of CBDC implementation, including its potential benefits, challenges, and impact on financial system stability and monetary policy. Through a descriptive qualitative approach with a literature study method, this study explores various dimensions of CBDC, including technological architecture, implementation models, and its socio-economic implications. The results of the study show that CBDCs have significant potential in improving the efficiency of the payment system, encouraging financial inclusion, and strengthening the transmission of monetary policy. However, its implementation also presents serious challenges related to data privacy, cybersecurity, and the stability of the banking system. This study makes an important contribution to a comprehensive understanding of CBDCs and their implications for the future of the global financial system.
Pelatihan Table Setting untuk Meningkatkan Relasi Bisnis UMKM Kampoeng Kajoetangan Heritage Malang Jawa Timur Bunyamin, Bunyamin; Munfaqiroh, Siti; Setyawan, Setyawan; Utami, Nunung Nurastuti; Zuchroh, Imama; Murtiningtyas, Triana; Kadarusman, Kadarusman
Jurnal Pengabdian Sosial Vol. 2 No. 2 (2024): Desember
Publisher : PT. Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/gqe7r396

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk memberikan Pelatihan tentang table setting kepada pengusaha UMKM di Kampoeng Kajoetangan Heritage Kota Malang – Jawa timu. Perserta yang mengikuti kegiatan ini sebanyak diberikan 35 pemilik UMKM di Kampoeng Kajoetangan Malang. Dari pelatihan tersebut maka peserta meningkatkan kemampuannya dalam table setting untuk jamuan makan para tamu wisatawan. Sehingga wisatawan semakin terkesan dalam jamuan dan harapannya banyak yang berkunjung sehingga  usaha UMKM Kampoeng Kajoetangan Heritage menjadi lebih dikenal masyarakat luas dan usahanya menjadi berkembang.
ANALISIS KUALITAS PRODUK, KUALITAS PELAYANAN DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN STARBUCKS DI KOTA MALANG Zuchroh, Imama; Irfan Afandi, Moh; Priyo Sugiharto, Didik
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 6 No. 3 (2024): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32938/ie.v6i3.7912

Abstract

Penelitian ini bertujuan untuk mengevaluasi pengaruh produk, pelayanan, dan promosi terhadap keputusan pembelian Starbucks di Kota Malang dengan pendekatan kuantitatif. Dalam penelitian ini, 100 responden dipilih sebagai sampel menggunakan metode accidental sampling, di mana responden dipilih berdasarkan kriteria tertentu secara kebetulan. Analisis yang digunakan adalah regresi linier berganda untuk mengidentifikasi hubungan antara variabel independen (produk, pelayanan, dan promosi) dan variabel dependen (keputusan pembelian). Hasil penelitian menunjukkan bahwa kualitas produk Starbucks secara signifikan mempengaruhi keputusan pembelian, ditunjukkan oleh nilai signifikansi 0,020 dan t hitung 2,372, yang menegaskan pentingnya kualitas produk dalam menarik konsumen. Pelayanan juga memberikan pengaruh signifikan dengan nilai signifikansi 0,000 dan t hitung 3,655, menunjukkan bahwa pelayanan yang baik sangat berpengaruh dalam keputusan pembelian. Selain itu, promosi terbukti efektif dalam mendorong pembelian dengan nilai signifikansi 0,002 dan t hitung 3,224, menyoroti peran penting promosi dalam strategi pemasaran Starbucks. Secara keseluruhan, hasil penelitian ini mengungkapkan bahwa produk, pelayanan, dan promosi memiliki pengaruh positif dan signifikan terhadap keputusan pembelian konsumen di Starbucks Kota Malang. Temuan ini memberikan panduan penting bagi manajemen Starbucks untuk lebih mengoptimalkan strategi mereka, guna meningkatkan kepuasan dan loyalitas pelanggan dalam menghadapi persaingan yang ketat dengan kafe-kafe lokal di Kota Malang.
Prespektif Islam Social Finance In Poverty Alleviation Efforts In Indonesia imama zuchroh
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 4 No. 2 (2021)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v4i2.1348

Abstract

The world's poverty rate continues to creep up. The vortex of waves continues to roll the countries impacted by the corona pandemic. Indonesia's efforts from year to year to reduce poverty are in vain and even its progress or achievements have instantly vanished. Indeed poverty and inequality are global phenomena but increasing these conditions are a major threat. Poverty shows a lack of income and needed ways to achieve a better standard of living. Islam social Finance has played an important role in helping reduce poverty and inequality through assistance to the community or people. Therefore, this research through the study literature method explores the role of Islamic social finance as an alternative way to reduce poverty and inequality. And this is expected to contribute to the country's economic development.
Potensi Dana Waqaf dalam Meminimalisasi Tingkat Kemiskinan di Indonesia Imama Zuchroh
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 2 (2022)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i2.3063

Abstract

Waqf money has a very large potential to improve the welfare of the community if it is utilized and managed properly. There is some evidence that waqf cash can finance MSMEs, finance education, finance health for those in need, and even establish institutional universities. Unfortunately, the potential for cash waqf is still not optimal. This happens because of the lack of cash waqf literacy, as well as the lack of managerial ability to manage waqf assets and cash waqf wealth. This paper aims to find out what is a role model for money waqf literacy to increase awareness of waqf money to the public. The results found that there are several aspects that can shape the waqf literacy model in increasing community participation for donor cash waqf. These aspects are education, a supportive environment, a good exemplary figure, and tangible results from benefits.
Analisis Penerapan Central Bank Digital Currency Dalam Ekonomi Syariah: Perspektif Hukum Dan Keuangan Islam Zuchroh, Imama
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 1 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i1.6080

Abstract

The development of digital financial technology has encouraged various central banks in the world to develop Central Bank Digital Currency (CBDC). This study examines the implementation of CBDC from the perspective of sharia economics with a focus on Islamic legal and financial aspects. An analysis was carried out on the conformity of CBDC characteristics with sharia principles, such as the prohibition of riba, gharar, and maysir, as well as their potential impact on the Islamic financial system. The methodology used is literature research with a qualitative descriptive approach, analyzing various literature and documents related to CBDC and sharia economic law. The results of the study show that the implementation of CBDC can be in line with sharia principles if it is designed by paying attention to several critical aspects: the use of transparent technology, a usury-free transaction mechanism, and governance that is in accordance with sharia maqashid. The study also identifies the potential of CBDCs in improving the efficiency of the Islamic financial system, expanding financial inclusion, and strengthening the supervision of financial transactions.
Optimizing Sharia Crowdfunding Platforms as an Instrument for Financing Free Healthcare Services: A Study on Implementation and Sustainability Zuchroh, Imama; Maulidina, Zaidah
Journal of Scientific Insights Vol. 2 No. 2 (2025): April
Publisher : Science Tech Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69930/jsi.v2i2.333

Abstract

This study examines the potential of Sharia-compliant crowdfunding platforms as innovative financial instruments to support free healthcare services in developing countries. Despite significant advancements in healthcare provision globally, millions remain without access to adequate care due to financial constraints, particularly in nations with large Muslim populations. This research employs a qualitative descriptive methodology with a library research approach to analyze the implementation, challenges, and sustainability factors of Sharia crowdfunding in the healthcare sector. Findings reveal that Sharia crowdfunding platforms offer promising avenues for healthcare financing through models such as donation-based (Sadaqah), reward-based, interest-free loans (Qard Hasan), and equity participation (Musharakah). The study identifies critical success factors including regulatory framework development, technological infrastructure, transparency mechanisms, stakeholder collaboration, and Sharia compliance governance. Key challenges encompass limited awareness, trust deficits, technological barriers, and sustainable funding models. The research contributes to the growing discourse on alternative healthcare financing mechanisms and provides practical recommendations for policymakers, healthcare providers, and Islamic financial institutions to optimize these platforms for expanding healthcare access while maintaining alignment with Islamic financial principles.
Urgensi Evolusi Bank di Era Digital Zuchroh, Imama; Rina Irawati
Akubis : Jurnal Akuntansi dan Bisnis Vol. 10 No. 1 (2025): Akubis : Akuntansi dan Bisnis
Publisher : Universitas Katolik Widya Karya Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37832/akubis.v10i1.73

Abstract

This research examines the fundamental transformation in Indonesia's banking industry triggered by Industry 4.0, specifically focusing on the evolution from traditional banking models to new-age banks. The study analyzes how disruptive technologies such as artificial intelligence, cloud computing, blockchain, and biometrics catalyze changes in banking digital capabilities and business models. Using a qualitative approach through comprehensive literature analysis and multiple case studies, this research identifies that digital transformation not only changes how banks operate but also fundamentally alters their value proposition to customers. The findings indicate that new-age banks are characterized by more agile organizational structures, advanced digital capabilities, and open platform-based business models that enable seamless integration with the broader digital ecosystem. This research contributes significantly to understanding the future of banking in the digital era and its implications for Indonesia's financial industry.
VALUATION STUDY OF BBCA, BMRI, AND BBNI SHARES BASED ON PRICE TO EARNINGS RATIO (PER) AND PRICE TO BOOK VALUE (PBV) APPROACHES FOR THE 2020-2024 PERIOD Muniroh, Muniroh; Zuchroh, Imama
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 7 No. 2 (2025): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the stock valuation of PT Bank Central Asia Tbk (BBCA), PT Bank Mandiri Tbk (BMRI), and PT Bank Negara Indonesia Tbk (BBNI) based on the Price to Earnings Ratio (PER) and Price to Book Value (PBV) methods in the 2020-2024 period. This study uses a quantitative descriptive method, which aims to provide an overview of stock valuation by comparing the PER and PBV of each company against the average banking sector. The analysis results show that BBCA shares tend to be overvalued based on PER in 2020, 2022, and 2023, while in 2021 and 2024 they are undervalued. BMRI shares show a more volatile pattern with a tendency to be undervalued in 2021, 2023, and 2024, and overvalued in 2020 and 2022. BBNI shares are more often in an overvalued condition, especially in 2020, 2022, 2023, and 2024, with the exception of 2021 which is classified as undervalued. Based on PBV, BBCA shares were consistently overvalued throughout the study period, reflecting investors' high expectations of the company's performance and prospects. In contrast, BMRI and BBNI stocks are more often undervalued, which indicates investment potential for investors with a value investing strategy. This research provides implications for investors in making investment decisions in the banking sector by considering stock valuation analysis. In addition, this research can be a reference for the development of stock valuation studies with broader methods, such as Discounted Cash Flow (DCF) or EV/EBITDA, to obtain more comprehensive results.
Co-Authors Adi, Wawan Amin, Aminul Andiani, Lidia Budi Cahyono Bunyamin Bunyamin Bunyamin Bunyamin Dwi Nita Aryani Fera Tj Grace Imanuela Lay Rihi Hariadi, Sugeng Irfan Afandi, Moh Kadarusman . Kristina Gemma Galgani Kurniawan, Ezra Tri Lating, Noval Ali Maulidina, Zaidah Muh. Prasesa Widodo Amrullah Muniroh, Muniroh Nunung Nurastuti Utami Nunung Nurastuti, Nunung Oktavia Khoirotun Nisa Priyo Sugiharto, Didik Regina Septi Wanti Bere Rina Irawati Setiawan Setiawan Setiawan Setiawan Setiawan Setiawan Setiyawan Setyawan Setyawan Setyawan, Setyawan Siti Munfaqiroh Siwi Dyah Ratnasari Sugeng Hariadi Tjahjani, Fera Triana Murtiningtyas Utami, Nunung Nurastuti Yupono Bagyo