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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Media Hukum Indonesia (MHI)
Putri, Aura Permata
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Efisiensi Penggunaan Quick Response Code Indonesia Standard (QRIS) Dalam Mendukung Penjualan di Era Digital Simanjuntak, Berliana; Putri, Aura Permata; Syahidah, Aisyah Wafa
Media Hukum Indonesia (MHI) Vol 2, No 4 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14192809

Abstract

This research aims to determine and analyze the efficiency of using the Quick Response Code Indonesia Standard (QRIS) by banks in supporting sales in the digital era. This research also analyzes the impact of QRIS on bank operational efficiency, including the principle of confidentiality in QRIS transactions. QRIS, as a national standard for digital payments, has been widely implemented by various financial institutions to facilitate fast and safe non-cash transactions. The data used includes QRIS transaction statistics in 2024, which shows significant growth in the number of users and merchants. The research results show that using QRIS not only speeds up the payment process but also increases customer satisfaction and customer loyalty. Thus, QRIS plays an important role in driving bank sales growth amidst the ever-growing digital transformation.
The Effects of Zakat, Infaq, Sadaqah, Social Aid, and Gross Regional Domestic Product per Capita on Income Inequality in Indonesia Putri, Aura Permata; Herianingrum, Sri
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 3 (2025): Agustus-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20253pp255-263

Abstract

This study aimed to analyze the effect of ZIS (Zakat, Infaq, Alms), Social Assistance, and Gross Regional Domestic Product (GRDP) per capita on Income Inequality in 34 Provinces in Indonesia for the period of 2019-2023 partially and simultaneously. This research applied quantitative methods with multiple linear regression techniques. The data used in this study were secondary data on ZIS distribution from BAZNAS (National Amil Zakat Agency), realization of Social Assistance from KEMENKEU (Ministry of Finance), and Gross Regional Domestic Product (GRDP) per capita from BPS (Central Bureau of Statistics) in Indonesia for the 2019-2023 period. The results of the study showed that the distribution of ZIS funds (X1) has a negative and insignificant effect on the income inequality level. Social assistance realization has a negative and significant effect on income inequality. Gross Regional Domestic Product has a negative and significant effect on income inequality. ZIS, Social Assistance, and Gross Regional Domestic Product significantly affect income inequality in Indonesia from 2019 to 2023. This study suggested that zakat management institutions or agencies optimize ZIS funds to empower the mustahik economy and the entire community to increase literacy and awareness so that the collection and distribution of ZIS funds becomes optimal as a solution to the level of income inequality.
Co-Authors Sri Herianingrum Syahidah, Aisyah Wafa