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All Journal Merdeka Indonesia Jurnal International Journal Economic Business Innovation
Qurrota A’yun, Annisa
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Medicine & Pharmacology Social Sciences

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Mobile AI Applications to Support QRIS Literacy and Financial Growth of Traditional Market SMEs Dwianto, Agus; Qurrota A’yun, Annisa; Sabila, Isnayni
Journal Economic Business Innovation Vol. 2 No. 1 (2025): April
Publisher : Inovasi Analisis Data

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69725/jebi.v2i1.234

Abstract

Objective: The purpose of this research is to analyse how perceptions of mobile banking, the use of artificial intelligence (AI), literacy towards QRIS, and the level of trust in digital payment systems affect the adoption of QRIS by MSME players, with ease of use as a mediating variable.Methods: The survey 654 was analysed using a quantitative explanatory approach involving the further use of regression and mediation (Sobel) tests based on TAM and UTAUT model.Results: Results indicate that mobile banking familiarity, AI use, QRIS knowledge, and trust have significant relationships with digital payment adoption as influential factors directly, and indirectly through the mediator of perceived ease of use. Ease of use serves as a salient link between the behaviour and the technology. The use of AI is a new actually a new prime mover for establishing trust in digital interfaces. QRIS literacy is validated as a key facilitator and trust defuses accepted mistrust in low-tech settings.Novelty: This research’s contribution is the discussion of Artificial Intelligence (AI) which is utilized as behavioural facilitating in fintech adoption such as QRIS. Through the incorporation of AI usages into the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), this study enriches conventional models for intelligent financial ecosystems. This line of reasoning offers us new perspectives of how AI powered trust, personalization and automation affect user behaviour especially for MSMEs in semi-formal economic sectors.Practical Implications: The practical contribution of this research is to provide implications for policy maker, fintech developers, and MSME enablers by encouraging the need to improve the AI-based features, user trust, and easy to use of digital payment system such as QRIS. Enhancing digital literacy and incorporating user friendly mobile interface have potential to increase usage amongst MSMEs. In addition, promoting ethical use of AI can build user trust, helping to further broaden financial inclusion and sustainable digital transformation in Indonesia shaping semi formal economy.
Leveraging Dynamic Capabilities and Digital Culture for Sustainable Business Model Innovation Hibban Al Asyim Kusuma, Fairuz; Qurrota A’yun, Annisa
Journal Economic Business Innovation Vol. 2 No. 3 (2025): October
Publisher : Inovasi Analisis Data

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69725/jebi.v2i3.279

Abstract

Purpose: This study examines how green dynamic capabilities mediate the relationship between organizational capabilities and sustainable business model innovation in emerging economies.Method: This research adopts a quantitative approach that is based on the cross-sectional survey data of 167 Indonesian medium to large firms. A validated structured questionnaire for data collection, involving regression analysis and bootstrapping techniques to test for direct and mediating effects.Findings: The findings reveal that Green dynamic capabilities completely mediate the links between five organizational capacities: data analytics, digital leadership, strategic agility, platform orchestration, and employee digital readiness and sustainable business model innovation. All the hypothesized paths are validated, showing that organizational capabilities underpin sustainable innovation mainly by nurturing distinctive environmental sensing, seizing, and transforming capabilities.Novelty: The present study is the first to propose green dynamic capabilities as a unique mediating construct and empirically demonstrate its significant role in linking digital transformation and sustainability goals. The study provides a new integrated model identifying how the general capabilities of organizations are transformed into sustainability outcomes in process and product through three core drivers within an emerging economy environment.Implications: This research implies that organizations need to focus on developing specialized green dynamic capabilities in addition to their digital transformation efforts. Policy makers can establish more efficient supportive programs targeted at environmental capability creation, not general digital uptake. The broad use in all kinds of industries shows that reason-based principles are widely applicable regardless of industry context.
STRATEGI GURU PENDIDIKAN AGAMA ISLAM (PAI) DALAM MENUMBUHKAN KESADARAN SOSIAL SISWA KELAS X DI SMA N 1 BUKATEJA Qurrota A’yun, Annisa; Khoirul Azis, Donny
Merdeka Indonesia Jurnal International Vol 5 No 2 (2025): MIJI : Merdeka Indonesia Journal International
Publisher : Merdeka Indonesia Jurnal International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69796/miji.v5i2.454

Abstract

Penelitian ini mengkaji peran strategis guru Pendidikan Agama Islam (PAI) dalam menumbuhkan kesadaran sosial siswa kelas X di SMA Negeri 1 Bukateja, Purbalingga, Indonesia. Di tengah kemajuan teknologi dan tantangan emosional remaja, kesadaran sosial menjadi faktor krusial bagi stabilitas afektif, empati antarmanusia, dan harmoni masyarakat. PAI, sebagai komponen wajib kurikulum berdasarkan Sistem Pendidikan Nasional, mengintegrasikan nilai-nilai Islam seperti solidaritas, keadilan, dan kasih saying untuk membentuk perilaku prososial melebihi pengetahuan doktrinal. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan menerapkan observasi non-partisipan, wawancara semi-terstruktur dengan guru PAI, siswa, konselor, dan kepala sekolah, serta analisis dokumen. Triangulasi data menjamin validitas, dengan analisis tematik mengungkap peran guru yang multifaset: pendidik penyampai ajaran kontekstual, teladan akhlak mulia, motivator naratif inspiratif, dan fasilitator pembelajaran partisipatif. Strategi utama mencakup pembiasaan (misalnya infaq Jumat, dana taziah, bantuan bencana), diskusi interaktif menghubungkan prinsip Al-Qur'an dengan isu kontemporer, inspirasi video, serta rutinitas keagamaan tutor sebaya seperti pembacaan Asmaul Husna dan khatam Quran. Pendekatan ini berhasil meningkatkan empati, toleransi, dan partisipasi komunitas siswa, dibuktikan perbaikan perilaku moral dan keterlibatan sekolah. Faktor pendukung meliputi budaya sekolah kondusif dan kolaborasi dengan guru PAI serta BK, sementara penghambat mencakup motivasi intrinsik rendah dan pengaruh keluarga. Temuan ini memperkuat potensi transformasional PAI dalam pendidikan karakter, dengan rekomendasi pedagogi inovatif, kemitraan sekolah-keluarga, dan pengembangan profesional guru. Penelitian ini berkontribusi secara teoritis pada kerangka pembelajaran sosial-emosional dan praktis dalam optimalisasi PAI untuk pengembangan siswa holistik, dengan implikasi bagi pendidikan inklusif bernilai di masyarakat beragam.
Co-Authors Dwianto, Agus Hibban Al Asyim Kusuma, Fairuz Khoirul Azis, Donny Sabila, Isnayni