| dc.contributor.advisor | Ayyubi, Salahuddin El | |
| dc.contributor.advisor | Muthohharoh, Marhamah | |
| dc.contributor.author | Basuki, Iklima Savira Aulia Rahma | |
| dc.date.accessioned | 2025-08-15T03:23:53Z | |
| dc.date.available | 2025-08-15T03:23:53Z | |
| dc.date.issued | 2025 | |
| dc.identifier.uri | http://repository.ipb.ac.id/handle/123456789/169350 | |
| dc.description.abstract | Pesatnya perkembangan teknologi digital mendorong transformasi sistem pembayaran di Indonesia, salah satunya melalui penggunaan QRIS (Quick Response Code Indonesian Standard). QRIS memberikan kemudahan dalam transaksi, tetapi juga berpotensi mendorong perilaku konsumtif, terutama generasi Z. Perilaku konsumtif yang berlebihan (israf) dalam Islam merupakan sesuatu yang dilarang. Penelitian ini bertujuan untuk menganalisis pengaruh digital payment, gaya hidup, dan literasi keuangan syariah terhadap perilaku konsumtif generasi Z di Jabodetabek dalam penggunaan QRIS untuk transaksi offline. Penelitian ini menggunakan pendekatan kuantitatif dengan 300 responden generasi Z pengguna QRIS. Data dianalisis menggunakan regresi linear berganda melalui software SPSS 26. Hasil penelitian menunjukkan bahwa digital payment dan gaya hidup berpengaruh positif dan signifikan terhadap perilaku konsumtif, sedangkan literasi keuangan syariah berpengaruh negatif dan signifikan. | |
| dc.description.abstract | The rapid development of digital technology has driven the transformation of the payment system in Indonesia, one of which is through the use of QRIS (Quick Response Code Indonesian Standard). QRIS provides convenience in transactions but also has the potential to encourage consumptive behavior, especially among Generation Z. In Islam, excessive consumptive behavior (israf) is prohibited. This study aims to analyze the influence of digital payment, lifestyle, and Islamic financial literacy on the consumptive behavior of Generation Z in the Jabodetabek area in using QRIS for offline transactions. This research employs a quantitative approach involving 300 Generation Z respondents who use QRIS. Data were analyzed using multiple linear regression with SPSS 26 software. The results indicate that digital payment and lifestyle have a positive and significant effect on consumptive behavior, whereas Islamic financial literacy has a negative and significant effect. | |
| dc.description.sponsorship | | |
| dc.language.iso | id | |
| dc.publisher | IPB University | id |
| dc.title | Pengaruh Digital Payment, Gaya Hidup, dan Literasi Keuangan Syariah Terhadap Perilaku Konsumtif Generasi Z Pengguna QRIS | id |
| dc.title.alternative | | |
| dc.type | Skripsi | |
| dc.subject.keyword | digital payment | id |
| dc.subject.keyword | Gaya Hidup | id |
| dc.subject.keyword | Generasi Z | id |
| dc.subject.keyword | literasi keuangan syariah | id |
| dc.subject.keyword | QRIS | id |
