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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 Scripta Economica: Journal of Economics, Management, and Accounting
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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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.
Transformasi Keuangan Syariah di Era Digital Zuchroh, Imama
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8167

Abstract

Perkembangan teknologi digitalisasi telah memainkan peran krusial, terutama sejak dimulainya pandemi pada awal tahun lalu. Pandemi ini telah membentuk pola konsumsi masyarakat yang semakin cenderung berbasis online, mendorong sektor keuangan untuk bersaing guna memenuhi kebutuhan tersebut. Dalam rangka mencapai hal tersebut, perumusan strategi bisnis yang tepat sasaran dan pembentukan kolaborasi yang kuat antara berbagai pemangku kepentingan, seperti regulator, tenaga ahli, dan pelaku industri berbasis Syariah, menjadi suatu keharusan. Kolaborasi ini diperlukan untuk menghadapi tantangan serta mengembangkan potensi pasar, sekaligus meningkatkan akseptasi masyarakat terhadap ekonomi dan keuangan berprinsip Syariah. Rumusan masalah dalam penelitian ini adalah bagaimana pertumbuhan keuangan Syariah di era globalisasi, dengan tujuan penelitian untuk memahami bagaimana pertumbuhan keuangan Syariah pada periode globalisasi saat ini. Metode yang diterapkan dalam penelitian ini adalah metode pendekatan deskriptif, di mana penulis menguraikan dan menganalisis data dari hasil temuan di lapangan. Hasil penelitian menunjukkan bahwa keuangan Syariah terus mengalami peningkatan setiap tahunnya, hal ini tidak terlepas dari kemajuan teknologi yang semakin pesat. Dalam era digitalisasi ini, segala proses berjalan lebih efisien, termasuk penyampaian informasi oleh pemangku kepentingan keuangan Syariah melalui media sosial. Masyarakat menjadi lebih sadar dan peduli mengenai cara yang halal dan memberkati dalam menginvestasikan uang mereka. Indonesia, sebagai negara dengan mayoritas penduduk Muslim, mengalami pertumbuhan signifikan dalam sektor keuangan Syariah, seiring dengan kesadaran masyarakat akan pentingnya transaksi yang sesuai prinsip Syariah dan berpotensi memberikan manfaat bagi mereka.
ANALISIS KONSEPTUAL DAN IMPLIKASI PRAKTIS PAJAK DALAM KONTEKS EKONOMI SYARIAH: SEBUAH KAJIAN INTERDISIPLINER Zuchroh, Imama
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 1 (2024): FEBRUARI - MARET 2024
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Pajak, dalam bahasa Arab disebut "Dharibah", merupakan pembayaran kepada pemerintah untuk membiayai pengeluaran umum. Definisi ini mencerminkan kewajiban tanpa mendapat prestasi kembali dari negara. Sistem perpajakan dalam Islam diterapkan sejak pemerintahan Rasulullah hingga khulafarussyidin dengan prinsip anggaran berimbang. Metode penelitian yang digunakan adalah kualitatif deskriptif untuk memahami konsep dan praktek perpajakan dalam perspektif ekonomi syariah.. Kata Kunci : , ,
The Corporate Mystic: Mengintegrasikan Nilai-Nilai Spiritual dalam Manajemen Modern untuk Meningkatkan Efektivitas Kepemimpinan dan Keberlanjutan Organisasi Imama Zuchroh; Muniroh
Journal of Economics, Management, and Accounting Vol 1 No 2 (2025): November: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/wetam788

Abstract

This study explores how spiritual values can be authentically integrated into modern management to enhance leadership effectiveness and organizational sustainability. Employing a qualitative multi-method approach that includes comparative case studies and document analysis of leading corporations such as Patagonia, Unilever, and Mindvalley, the research identifies key practices of spiritually grounded leadership. Findings reveal that value-driven organizations consistently report higher employee engagement, innovation, and well-being, as confirmed by data from the World Economic Forum (2023), Deloitte (2024), and the International Labour Organization (2023). Spiritual leadership anchored in integrity, compassion, and interconnectedness emerges as a measurable determinant of organizational performance, not a philosophical abstraction. The study concludes that authentic spiritual integration fosters ethical governance, trust, and sustainable productivity. It proposes a conceptual framework positioning the “corporate mystic” as a leader who aligns consciousness with strategy, enabling organizations to harmonize profitability with purpose. This integration of humanistic and managerial excellence signifies a transformative evolution in global leadership paradigms.
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, 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