Generation Z Participation in Implementing Ziswaf: The Roles of Literacy, Social Interest, and Religiosity

Authors

  • Lathiefa Rusli Universitas Darussalam Gontor
  • Zulfa Fadillah Universitas Darussalam Gontor
  • Danik Choiriyah Purnomo Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo
  • Ely Masykuroh Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

DOI:

https://doi.org/10.30651/jms.v11i4.31911

Abstract

The research aims to analyzes the influence of literacy, social interest, and religiosity on Generation Z’s participation in ZISWAF. Generation Z was chosen due to their role in using digital technology and social media, which can enhance management of ZISWAF. Despite Indonesia’s vast ZISWAF potential, participation by Generation Z remains low. This may be due to limited ZISWAF literacy and social and religious factors. The research employs a quantitative approach using a survey distributed to 100 Generation Z respondents in Indonesia, with purposive sampling ensuring participants had relevant ZISWAF knowledge. The results indicate that ZISWAF literacy did not have a significant effect on participation, suggesting that basic knowledge alone is insufficient to motivate involvement. In contrast, social interest showed a positive and significant influence on participation, highlighting the importance of social attitudes in driving engagement. Religiosity did not show a significant impact, possibly due to differences in understanding and applying religious values in daily life. Overall, the combined influence of literacy, social interest, and religiosity significantly affects participation. These findings imply that a comprehensive strategy, which enhances ZISWAF literacy and social attitudes, is necessary to boost Generation Z’s participation in sustainable ZISWAF management.

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Published

2026-08-04

How to Cite

Rusli, L., Fadillah, Z., Purnomo, D. C., & Masykuroh, E. (2026). Generation Z Participation in Implementing Ziswaf: The Roles of Literacy, Social Interest, and Religiosity. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(4). https://doi.org/10.30651/jms.v11i4.31911

Issue

Vol. 11 No. 4 (2026)

Section

Artikel

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