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All Journal Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Ekonomi dan Bisnis Islam
Suparwi Suparwi
Universitas Islam Negeri Sunan Kudus
Religion Economics, Econometrics & Finance Social Sciences

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Faktor yang Memengaruhi Loyalitas Penggunaan QRIS pada Gen Z di FEBI UIN Sunan Kudus Syahrilna Fazakiyah; Suparwi Suparwi
Jurnal Ekonomi dan Bisnis Islam Vol 4, No 3 (2026)
Publisher : Institut Agama Islam Negeri Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jebisku.v4i3.5693

Abstract

AbstractThis study aims to analyze the effects of social environment, merchant availability, and lifestyle on loyalty toward the use of the Quick Response Code Indonesian Standard (QRIS) among Generation Z students at the Faculty of Islamic Economics and Business, UIN Sunan Kudus. This study employed a quantitative approach using primary data collected through questionnaires. The population consisted of students of the Faculty of Islamic Economics and Business, UIN Sunan Kudus, from the 2021–2022 cohorts. A total of 89 respondents were selected using purposive sampling. The data were analyzed using multiple linear regression with the assistance of SPSS version 20. The results indicate that the social environment has a positive and significant effect on loyalty toward QRIS use, with a significance value of 0.000 < 0.05. Merchant availability also has a significant effect on loyalty toward QRIS use, with a significance value of 0.001 < 0.05, indicating that convenient access to QRIS across various merchants encourages continued usage. Furthermore, lifestyle has a significant effect on loyalty toward QRIS use, with a significance value of 0.006 < 0.05. Simultaneously, social environment, merchant availability, and lifestyle have a significant effect on loyalty toward QRIS use.Keywords: QRIS; Social Environment; Merchant Availability; Lifestyle; Usage Loyalty. AbstrakPenelitian ini bertujuan untuk menganalisis pengaruh lingkungan sosial, ketersediaan merchant, dan gaya hidup terhadap loyalitas penggunaan Quick Response Code Indonesian Standard (QRIS) pada Generasi Z di Fakultas Ekonomi dan Bisnis Islam UIN Sunan Kudus. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner. Populasi yaitu mahasiswa FEBI UIN Sunan Kudus angkatan 2021–2022. Sampel berjumlah 89 responden yang ditentukan menggunakan teknik purposive sampling. Data dianalisis menggunakan regresi linear berganda dengan bantuan SPSS versi 20. Hasil penelitian menunjukkan bahwa lingkungan sosial berpengaruh positif dan signifikan terhadap loyalitas penggunaan QRIS dengan nilai signifikansi 0,000 < 0,05. Ketersediaan juga berpengaruh signifikan terhadap loyalitas penggunaan QRIS, dengan nilai signifikansi 0,001 < 0,05. Hasil ini menunjukkan bahwa kemudahan akses penggunaan QRIS pada berbagai merchant mendorong penggunaan berkelanjutan. Selain itu, gaya hidup berpengaruh signifikan terhadap loyalitas penggunaan QRIS dengan nilai signifikansi 0,006 < 0,05. Secara simultan, lingkungan sosial, ketersediaan merchant, dan gaya hidup berpengaruh signifikan terhadap loyalitas penggunaan QRIS.Kata kunci: QRIS; Lingkungan Sosial; Ketersediaan; Gaya Hidup; Loyalitas Penggunaan.
From Waqf Land to Socio-Ecological Impact: Utilization of Forest Waqf for Conservation, Sociopreneurship, and Community Empowerment in Indonesia Murtadho Ridwan; Suparwi Suparwi; Dwi Putri Restuti; Rijal Amri; Asmak Binti Ab Rahman
IQTISHADIA Vol 19, No 1 (2026): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v19i1.39129

Abstract

This study examines the socio-ecological utilization of forest waqf by exploring how waqf land can be transformed into a conservation-based productive forest that promotes environmental sustainability, sociopreneurship (social entrepreneurship), and community empowerment. A qualitative case study was conducted at Yayasan Pendidikan Sosial dan Ma'arif (YPM) Sidoarjo, Indonesia. Data were collected through in-depth interviews, participatory observation, and institutional document analysis, and analyzed using thematic analysis supported by methodological triangulation. The findings indicate that forest waqf generates integrated socio-ecological value by enhancing biodiversity, strengthening conservation practices, and increasing environmental awareness. It also supports sustainable livelihoods through green micro-enterprises, particularly value-added coffee production, while inclusive benefit-sharing mechanisms reinforce community participation and institutional sustainability. The study proposes a cyclical model of forest waqf utilization that integrates conservation, productive use, community empowerment, and reinvestment. This study enriches the Islamic social finance literature by positioning forest waqf as an innovative and scalable instrument for linking environmental conservation with socio-economic development. The proposed model provides practical insights for waqf institutions and policymakers in optimizing waqf assets to support sustainable development and community resilience in developing countries.
Co-Authors Asmak Binti Ab Rahman Dwi Putri Restuti Murtadho Ridwan Rijal Amri Syahrilna Fazakiyah