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All Journal International Conference on Islamic Economic
Nadzifa Ahya Nurdiana
Universitas Negeri Surabaya
Economics, Econometrics & Finance

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The Influence of QRIS and Cash Payment Usage on Halal Food MSME Purchasing Decisions among Muslim Generation Z in Surabaya Nadzifa Ahya Nurdiana; Fira Nurafini
International Conference on Islamic Economic (ICIE) Vol. 5 No. 2 (2026): Article In Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/wn7be729

Abstract

The rapid growth of the halal food industry and the increasing adoption of digital payment systems have transformed consumer purchasing behavior, particularly among Generation Z. This study aims to examine the effects of QRIS usage and cash payment on purchasing decisions for halal food MSMEs among Muslim Generation Z in Surabaya. A quantitative approach with a causal associative research design was employed. Data were collected through questionnaires from 169 respondents selected using purposive sampling and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS. The results indicate that QRIS usage has a positive and significant effect on purchasing decisions (β = 0.720; t = 9.510; p < .001). Meanwhile, cash payment also has a positive and significant effect (β = 0.139; t = 2.084; p = .037), although its influence is considerably weaker than that of QRIS. These findings suggest that QRIS is the dominant payment method influencing purchasing decisions among Muslim Generation Z consumers in halal food MSMEs, while cash payment remains a relevant alternative transaction method. This study provides empirical evidence comparing the influence of digital and conventional payment methods on purchasing decisions and offers practical implications for halal food MSMEs in developing payment strategies that better align with consumer preferences. 
Co-Authors Fira Nurafini