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All Journal Al-Iqtishod : Jurnal Ekonomi Syariah Al-Hisbah Jurnal Ekonomi Syariah Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Kamiruddin
Institut Agama Islam Negeri Bone
Religion Economics, Econometrics & Finance Social Sciences Other

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Analysis Of The Factors That Influence The Decision to Use Digital Wallets on Gen Z Muslims in Bone in Terms Of Islamic Economic Perspective Alda Melanie Putria Dewita Sari Naim; Kamiruddin; Otong Karyono
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 2 (2025): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i2.2295

Abstract

This study aims to analyze the influence of Islamic financial literacy and lifestyle on the decision to use digital wallets in gen Z from an Islamic economic perspective. This study uses a quantitative approach with Partial Least Square (PLS) analysis technique. The results showed that Islamic financial literacy has a positive effect on the decision to use a digital wallet, where understanding Islamic financial principles is the basis for choosing digital financial services. Lifestyle is also proven to influence the decision to use digital wallets, with the values of honesty and simplicity characterizing gen Z Muslims in Bone Regency. Simultaneously, sharia financial literacy and lifestyle have a significant effect on the decision to use digital wallets. This finding indicates that the combination of a good understanding of sharia finance and a lifestyle aligned with Islamic values is an important factor in the adoption of digital financial technology among gen Z Muslims
Pengaruh Kemudahan Financial Technology Terhadap Minat Investasi Generasi Z Pada Aplikasi Ajaib Rezki Ananda Putra; Asma; Indah Aprisa; Susi Agustina; Muhammad Fakhri Amir; Kamiruddin
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 8 No. 1 (2026): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v8i1.4962

Abstract

Studi ini menggunakan pendekatan kuantitatif dengan rancangan asosiatif untuk menelaah seberapa besar pengaruh teknologi finansial yang mudah digunakan terhadap minat investasi dari Generasi Z pada aplikasi Ajaib. Subjek penelitian terdiri dari 30 orang anggota Generasi Z yang sudah pernah memakai aplikasi Ajaib, dipilih secara acak dengan pertimbangan proporsi yang tepat. Data dihimpun melalui penyebaran kuesioner yang menggunakan skala Likert. Untuk menganalisis data yang terkumpul, dilakukan serangkaian pengujian, meliputi uji validitas, uji reliabilitas, uji normalitas, regresi linier sederhana, uji t, dan uji koefisien determinasi (R2). Seluruh analisis ini dibantu dengan pemanfaatan perangkat lunak IBM SPSS Statistics. Temuan penelitian ini mengindikasikan bahwa teknologi finansial yang mudah dijangkau memberikan pengaruh positif yang berarti terhadap minat investasi Generasi Z pada aplikasi Ajaib. Hal ini terbukti dari nilai signifikansi yang diperoleh di bawah 0,05 serta temuan regresi yang memperlihatkan adanya korelasi positif antara kedua variabel. Semakin praktis teknologi finansial dalam penggunaannya, semakin tinggi pula kemungkinan Generasi Z untuk tertarik berinvestasi.
Pengaruh Regulasi dan Kepercayaan Masyarakat terhadap Kepatuhan Masyarakat Membayar Zakat Maal di Kabupaten Bone  Jumarni Anty; Kamiruddin; Arafah Muh
Al-Hisbah Jurnal Ekonomi Syariah Vol 6 No 2 (2026): Jurnal Al Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v6i2.617

Abstract

Public compliance in paying zakat maal plays a crucial role in optimizing the function of zakat as an instrument for promoting social welfare and reducing poverty. Nevertheless, the level of compliance among muzakki is influenced by several factors, particularly zakat regulations and public trust in zakat management institutions. This study aims to examine the effect of regulations and public trust on compliance with zakat maal payments in Bone Regency. The research employed a quantitative approach using a survey method involving 100 respondents. Data were analyzed using IBM SPSS Statistics version 26 through multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²). The findings indicate that both regulations and public trust have a positive and significant effect on compliance with zakat maal payments, both individually and simultaneously. The coefficient of determination value of 0.269 indicates that these two variables explain 26.9% of the variation in zakat maal payment compliance. These findings suggest that improving zakat compliance can be achieved through strengthening zakat regulations and enhancing public trust in a transparent, accountable, and professional zakat management system.
Co-Authors Alda Melanie Putria Dewita Sari Naim Amir, Muhammad Fakhri Arafah Muh Asma Indah Aprisa Jumarni Anty Otong Karyono Rezki Ananda Putra Susi Agustina