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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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INTEGRASI SISTEM PEMBAYARAN NON-TUNAI DALAM KERANGKA EKONOMI SYARIAH: ANALISIS KOMPATIBILITAS DAN IMPLIKASI Zuchroh, Imama
Berajah Journal Vol. 4 No. 7 (2024): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v4i7.435

Abstract

This research examines the integration of cashless payment systems within the framework of Islamic economics, focusing on compatibility analysis and implications. Through a qualitative descriptive approach based on library research, this study investigates the alignment of digital payment technologies with Islamic financial principles. In-depth analysis of contemporary literature, Islamic scholarly opinions, and industry reports is conducted to identify potential synergies and challenges in the adoption of cashless payment systems by Islamic financial institutions. The findings reveal significant opportunities for innovation in Islamic fintech, while also highlighting the need for a comprehensive regulatory framework to ensure compliance with maqasid shariah. This research contributes to a deeper understanding of the dynamics between financial technological advancements and Islamic economic principles, providing a foundation for the development of innovative Islamic financial policies and products in the digital era.
Narasi Pemberdayaan UMKM oleh Lembaga Keuangan Syariah sebagai Pertaruhan Pembangunan Ekonomi Islam Zuchroh, Imama
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 7 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v7i1.4737

Abstract

In Islam the term economic development is the process of allaviating poverty and provision of ease, comfort and decency in life (A process that has the effect of reducing the level of poverty and creating peace, comfort and moral system in life). One approach is to reduce poverty with the existence of Islamic Financial Institutions where capital springs for micro, small and medium enterprises are flowed from there. Islamic microfinance institutions in their activities will offer products and services by applying Islamic values, which will provide benefits to the community. This research uses library research with efforts to search for literature references related to those related to the subject matter discussed descriptively. Then of course there is a big gamble if Islamic Financial Institutions do not carry out their main role or only profit-oriented, the Micro, Small, Medium Enterprises (MSMEs) sector, which is very important for the nation's economy, will be hampered and constrained, and Islamic economic development is only on the horizon of hope.
Geopolitik Digital dalam Sistem Pembayaran QRIS: Analisis Resistensi Indonesia terhadap Hegemoni Keuangan Global Imama Zuchroh; Setiyawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8215

Abstract

This study analyzes the dynamics of digital geopolitics in the Quick Response Code Indonesian Standard (QRIS) payment system as a form of Indonesia's resistance against the United States' global financial hegemony. Using descriptive qualitative research methods with a library research approach, this study examines the United States' criticism of QRIS in the National Trade Estimate 2025 report and Indonesia's response. The research findings indicate that QRIS represents Indonesia's digital sovereignty strategy that challenges the dominance of US-based global payment systems. US criticism of QRIS, which is considered to limit foreign companies' access, actually strengthens Indonesia's digital nationalism narrative. QRIS implementation has reached 56.3 million users with 38.1 million MSMEs in the first quarter of 2025, demonstrating the success of digital financial inclusion. The expansion of QRIS to Japan, China, and other Asian countries starting in August 2025 proves that Indonesia has successfully built an alternative payment system that does not depend on Western financial infrastructure. Indonesia's resistance to US pressure through QRIS marks a transformation from object to subject in the global financial architecture, while strengthening Indonesia's position as a regional digital power.
ZAKAT KNOWLEDGE, INSTITUTIONAL TRUST, AND PAYMENT INTENTION: THE MODERATING ROLE OF DIGITAL COMPETENCY Imama Zuchroh; Muh. Prasesa Widodo Amrullah; Oktavia Khoirotun Nisa
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 6 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.3269

Abstract

This study examines the influence of zakat literacy and trust on zakat payment intention, with digital literacy serving as a moderating variable. The research employs a quantitative approach using Structural Equation Modeling (SEM) with SmartPLS analysis. Data were collected from 35 respondents through a structured questionnaire using a 5-point Likert scale. The study variables include zakat literacy (LZ), trust (KP), zakat payment intention (MZ), and digital literacy (LD) as moderating variable. The measurement model evaluation shows satisfactory construct validity and reliability with all factor loadings exceeding 0.7, composite reliability values above 0.8, and AVE values above 0.5. The structural model reveals that zakat literacy significantly influences zakat payment intention (β = 0.342, p < 0.05), while trust demonstrates an even stronger effect (β = 0.458, p < 0.01). Digital literacy significantly moderates both relationships, strengthening the zakat literacy-intention relationship from 0.342 to 0.598 for high digital literacy individuals, and enhancing the trust-intention relationship from 0.458 to 0.647. The model explains 67.3% of variance in zakat payment intention. The findings contribute to understanding factors that enhance zakat collection effectiveness in the digital era, providing practical implications for zakat institutions to develop digital-based strategies for improving zakat collection and management. Keywords: zakat literacy, trust, payment intention, digital literacy, moderation effect, SmartPLS
Strategi Adopsi Insurtech pada Perusahaan Asuransi Konvensional untuk Menghadapi Perubahan Digital Zuchroh, Imama; Andiani, Lidia
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.740

Abstract

Industri asuransi konvensional menghadapi tekanan transformasi digital yang signifikan dalam era digitalisasi. Penelitian ini menganalisis strategi adopsi insurtech (teknologi asuransi) pada perusahaan asuransi konvensional sebagai respons terhadap perubahan lanskap digital. Menggunakan metodologi kualitatif deskriptif dengan pendekatan riset kepustakaan, penelitian ini mengeksplorasi tantangan, peluang, dan strategi implementasi insurtech dalam perusahaan asuransi tradisional. Hasil penelitian menunjukkan bahwa adopsi insurtech bukan lagi pilihan melainkan kebutuhan strategis untuk mempertahankan daya saing. Faktor kunci keberhasilan meliputi transformasi budaya organisasi, modernisasi sistem warisan, kemitraan strategis dengan startup insurtech, serta pengembangan kapabilitas digital. Perusahaan asuransi yang berhasil mengadopsi insurtech menunjukkan peningkatan signifikan dalam efisiensi operasional, pengalaman pelanggan, dan nilai pemegang saham.
Pelatihan Bahasa Inggris Menghadapi Turis Asing bagi Pelaku UMKM Kampoeng Kajoetangan Heritage Malang Bunyamin, Bunyamin; Munfaqiroh, Siti; Setyawan, Setyawan; Utami, Nunung Nurastuti; Zuchroh, Imama; Murtiningtyas, Triana; Kadarusman, Kadarusman
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 5 (2025): Juli
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i5.2609

Abstract

Tujuan Pelatihan " Bahasa Inggris Menghadapi Turis Asing " diselenggarakan untuk para pelaku UMKM Kampoeng Kajoetangan Heritage adalah: UMKM mampu berkomunikasi dalam bahasa inggris dalam menyambut dan menyapa wisatawan asing serta menawarkan produk mereka secara detail dan menjawab pertanyaan dengan lancar sehingga bisa membangun kepercayaan dan kenyamanan wisatawan asing saat berkunjung ke Kampoeng Kajoetangan Heritage.Disamping itu para pelaku UMKM juga dapat memasarkan produk mereka kepada target pasar yang lebih luas. Metode Pelatihan : 1)  Sharing pengetahuan tentang pentingnya kemampuan komunikasi dalam bahasa inggris dalam menyambut tamu asing yang berkunjung serta sharing pengetahuan tentang  bagaimana  berkomunikasi dengan turis asing mulai dari menyapa, memperkenalkan diri serta menawarkan produk mereka. 2) Peserta pelatihan berlatih dengan cara sederhana berkomunikasi dalam bahasa inggris bagaimana menyapa dengan ramah serta bagaimana menawarkan produk mereka sedemikian rupa sehingga turis asing tertarik dan pada akhitrnya membeli produk mereka. 3) Peserta juga mempelajari bagaimana bercerita tentang sejarah Kampoeng Kajoetangan Heritage sehingga membuat para wisatawan nyaman dan terkesan yang pada akhirnya akan berdampak pada citra positip bagi kampoeng kajoetangan heritage. Hasil dari Pelatihan: 1) Peningkatan  Keterampilan dalam berkomunikasi menggunakan bahasa inggris. 2) Peningkatan Kualitas Layanan pada Turis Asing.
From Banks to Apps: How Fintech Lending is Reshaping Financial Institutions zuchroh, imama; Muniroh, Muniroh
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3057

Abstract

The emergence of financial technology has fundamentally transformed the traditional lending landscape, challenging centuries-old banking paradigms and creating new competitive dynamics within the financial services sector. This qualitative descriptive study examines how fintech lending platforms are reshaping financial institutions across global markets, analyzing the multidimensional impact on traditional banks, credit unions, and other financial intermediaries. Through systematic analysis of industry developments, regulatory changes, and institutional responses from 2015 to 2025, this research explores the comprehensive transformation occurring within the financial services ecosystem. The study reveals that fintech lending has catalyzed significant changes in operational models, customer engagement strategies, risk assessment methodologies, and competitive positioning of traditional financial institutions. The research demonstrates that rather than merely displacing traditional banks, fintech lending has forced a fundamental reimagining of how financial services are conceived, delivered, and regulated. Key findings indicate that successful financial institutions are those that have embraced hybrid approaches, combining traditional banking strengths with fintech innovations to create enhanced value propositions for their customers. The study also reveals significant variations in adaptation strategies across different geographic regions and institutional sizes, with larger banks generally having more resources to invest in transformation initiatives while smaller institutions often pursue partnership strategies. The research concludes that the future of financial services will be characterized by ecosystem-based approaches where traditional boundaries between banks and technology companies become increasingly blurred, requiring new regulatory frameworks and business models to address emerging challenges and opportunities in the digital financial landscape.
Influence of Influencer Marketing, Fear of Missing Out (FOMO), and Trust on Crypto Asset Purchase Decisions among Generation Z in Discord Miracle Class Kurniawan, Ezra Tri; Zuchroh, Imama
Journal of Business Management and Economic Development Том 3 № 03 (2025): September 2025
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v3i03.1932

Abstract

This study aimed to determine the effect of Influencer Marketing, Fear of Missing Out (FOMO), and Trust on crypto asset purchase decisions among Generation Z participants in the Discord Miracle Class community. The research employed quantitative methodology and applied Partial Least Squares (PLS) analysis using SmartPLS software version 4.1.0.9. Data were collected from 94 respondents who are active members of the Discord Miracle Class community through online questionnaires. The results demonstrated that Influencer Marketing had a positive and significant effect on crypto asset purchase decisions among Generation Z (path coefficient = 0.421, p < 0.05). FOMO also exhibited a positive and significant effect on crypto asset purchase decisions (path coefficient = 0.312, p < 0.05). Similarly, Trust showed a positive and significant influence on crypto asset purchase decisions in the same demographic (path coefficient = 0.389, p < 0.05). The combined effect of these three variables explained 72% of the variance in purchase decisions (R² = 0.720). This study contributes to the development of literature in digital consumer behavior and financial technology adoption, particularly in the context of crypto asset investment among Generation Z. The findings provide valuable insights for marketers, financial institutions, and policymakers in understanding the psychological and social factors that drive cryptocurrency investment decisions among young digital natives.
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