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Digital Payment Loyalty Across Generations: Evidence from QRIS Users Anisya Rahmelia; Mimin Aminah; Megawati Simanjuntak
Jurnal Manajemen Vol. 30 No. 2 (2026): June-September 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v30i2.3795

Abstract

The rapid expansion of digital payment systems has accelerated the transition toward a cashless ecosystem in Indonesia, particularly through the adoption of the Quick Response Code Indonesian Standard (QRIS). However, limited studies examine how digital payment loyalty is formed. This study analyzes the determinants of QRIS usage loyalty while providing insights into variations across user groups. Data were collected from 175 QRIS users in the Jabodetabek region using an online survey and analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that perceived ease of use, loyalty programs, and cashless society orientation positively influence trust, which in turn enhances user satisfaction. Satisfaction is identified as the strongest predictor of QRIS usage loyalty. The findings indicate that variations in user responses are reflected in the strength of relationships rather than fundamental structural differences.
Sustainable Waste Management through Material Flow Analysis and Waste Diversion Rate: A Case Study of Sekolah Alam Bogor, Indonesia Nur Fitri Hasanah; Eko Ruddy Cahyadi; Mimin Aminah
International Journal of Hydrological and Environmental for Sustainability Vol. 5 No. 2 (2026): International Journal of Hydrological and Environmental for Sustainability
Publisher : CV FOUNDAE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58524/ijhes.v5i2.1374

Abstract

Sekolah Alam Bogor (Bogor Nature School) provides a relevant case for examining school-based circular waste management in Indonesia.  Although the school applies reduce, reuse, and recycle (3R) principles, their implementation remains suboptimal due to the absence of systematic flow mapping and quantitative evaluation. This study aims to quantify waste generation and composition, map material flows, and evaluate the Waste Diversion Rate (WDR) of the school’s circular waste management system. A mixed-method case study was applied, combining field observation, in-depth interviews, and direct weighing of waste over 14 effective school days across five source units: Pre-School, Elementary School, School Kitchen, Middle School, and School of Makers, The results show an average waste generation of 165.15 kg/day, dominated by organic waste (71.23%), with inorganic waste accounting for 28.77%. Salam Permaculture composts organic waste, recyclables are channeled to Bank Sampah Salam Aid, and residues are incinerated. The system achieved an internal Waste Diversion Rate (WDR) of 76% (77.79% when community-contributed recyclables from the Dropzone program are included), indicating substantial waste diversion. However, approximately 24% of the waste (39.70 kg/day) remains as residue treated through incineration, whose emissions and ash quality were not assessed and require further evaluation. These findings indicate that systematic flow mapping and data-driven evaluation are essential for strengthening source-based waste management in educational institutions.
Co-Authors Abdul Hamid Aly Agung Pramono Ahmad Mufid Aji, Nur Amel, Nada Shafa Anindya Septisuwendani Anisya Rahmelia Anisya Rahmelia Arief Hartono Arman Jauhari B Purwanto Baba Barus Bufara, Diqdar Satya Chaeruman, Uwes Anis Deni Deni Denis Muba Pandapotan Simanihuruk Dian Anggraeni Dian Verawati Panjaitan Eko Ruddy Cahyadi Faqih Udin dan Jono M. Munandar Meivita Amelia Ferawati, Dilla Firdaus, Muhammad Firdaus Furqon Syarief Hidayatulloh Gelar Satya Budhi Gelar Satya Budhi Gelar Satya Budhi Gelar Satya Budhi Gelar Satya Budhi Gelar Satya Budhi Hardiana Widyastuti Hardiana Widyastuti Hartono, Arif HB Surbakti Heti Mulyati Indra Refipal Sembiring Irfan Syauqi Beik Irman Firmansyah Irni Rahmayani Johan Lestari, Dyah Tri Ma'mun Sarma Marimin , Martihandini, Nooryza Mashliha Ulya El Madinta Maulida, Ida Ma’mun Sarma Megawati Simanjuntak Muflih, Rizaldi Mukhamad Najib Muniroh, Nur Afmi Musa Hubeis Nayla Azmi Pradita Syaira Ninuk Lustyantie Nita Delima Nur Fitri Hasanah Permanasari, Yusrina Pramesti, Prita Pratama, Ihsan Prirafianti Purwono Purwono Raharja , Sapta Rajuwi, Seftianti Ramadhany, Reza Rinda Tri Wijayanti Rindang Rindang Matoati, Rindang RIZAL SYARIEF Rosyifa Salsabila Auliya Sahili RT Risyahadi Samsi Setiadi Sapta Raharja Saptaji Saptaji Sinaini, La Soni Supriatna Sulistyo, Adi SUPRIYADI, ENDANG IRAWAN Suryahado Syafrudin wibowo, Teguh Taufik Hidayat Titania Aulia Wahyuni Ujang Sumarwan Widiatmaka Widyastutik Witri Priawantiputri Yoana Emilio Yuanto, Eka Novah Ziadatun Nisa, Alfi Zuriyati Zuriyati