Pengaruh Waqf Literacy, Financial Self-Efficacy, Islamic Branding, dan Love of Money terhadap Minat Berwakaf Tunai Pada Generasi Z: Lifestyle sebagai mediasi

Muhammad Nabil Sholahudin (Universitas Negeri Surabaya)

Jurnal Ekonomika dan Bisnis Islam
Vol 9 No 2 (2026): Agustus

This study aims to analyze the influence of Waqf Literacy, Financial Self-Efficacy, Islamic Branding, and Love of Money on Cash Waqf Interest in Generation Z, with Lifestyle as a mediating variable. The potential for cash waqf in Indonesia is enormous, but the level of public participation, especially among Generation Z, is still relatively low. Therefore, an understanding of the factors that may influence Generation Z's interest in cash waqf is necessary. This study used a quantitative approach with a survey method. The sampling technique was purposive sampling. Data analysis was performed using the SEM-PLS method using SmartPLS. The results showed that Waqf Literacy, Financial Self-Efficacy, and Islamic Branding have a positive and significant effect on Cash Waqf Interest. Meanwhile, Love of Money did not significantly influence Cash Waqf Intention. In the indirect effect test, Lifestyle was shown to mediate the influence of Waqf Literacy and Love of Money on Cash Waqf Intention. However, Lifestyle was unable to mediate the influence of Financial Self-Efficacy and Islamic Branding on Cash Waqf Intention. The findings of this study indicate that Waqf Literacy is the most dominant factor in increasing Cash Waqf Intention among Generation Z.