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All Journal El Dinar Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomika dan Bisnis Islam Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Indonesian Journal of Islamic Economics and Finance International Conference on Islamic Economic El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Fira Nurafini
Universitas Negeri Surabaya
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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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/icie.v5i2.511

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. 
Pengaruh Kinerja Keuangan dan Makroekonomi terhadap Pembiayaan Jual Beli dan Pembiayaan Bagi Hasil di KB Bank Syariah Periode 2015.1-2025.2 Zakiyatul Maulidiyah; Fira Nurafini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 9 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i9.13101

Abstract

The development of financing in Islamic Commercial Banks in Indonesia has shown an increasing trend in recent years, both in sales and purchase financing and profit-sharing financing. However, this growth is inseparable from the dynamics of internal bank factors and macroeconomic conditions that affect the stability of financing distribution. This study aims to analyze the influence of bank financial performance as proxied by the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR), as well as macroeconomic factors consisting of Inflation, Economic Growth, and the BI Rate on sales and purchase financing and profit sharing financing in Islamic Commercial Banks for the period 2015.1–2025.2. This study uses a quantitative approach with secondary data in the form of 42 quarterly observations and analyzed using the VAR/VECM method. The results show that in the long term the variables CAR, NPF, ROA, BOPO, FDR, inflation, economic growth, and the BI Rate have a significant influence on sales and purchase financing and profit-sharing financing. Meanwhile, in the short term, all of these variables do not show a significant influence on both types of financing.
Co-Authors Arfiana Meilani Andrayuni Arya Ramadhani Aufar Fadlul Hady Clarashinta Canggih Danish Nadira Erry Arista Pratama Fikriyah, Khusnul Fitriah Dwi Susilowati Indra Setiawan Hardiansyah Maryam Bte Badrul Munir Moch. Khoirul Anwar Nadzifa Ahya Nurdiana Putri Izzah Septiani Cindito Rachma Indrarini Refi Mariska Junaidi Sri Abidah Suryaningsih Suci Maulidya Zakiyatul Maulidiyah