The Concept of Digital Waqf As a Mindful Spending Lifestyle For Generation Z in The Digital Era
DOI:
https://doi.org/10.26740/jekobi.v8n3.p104-125Keywords:
Digital Waqf, Mindful Spending, Generation Z, Islamic FinanceAbstract
As a lifestyle of mindful spending among Generation Z in the digital era. The research employs qualitative methods, including literature review and interviews, to understand how digital waqf influences financial behavior and religious practices. The findings indicate that digital waqf fosters a sense of social responsibility and spiritual mindfulness, encouraging prudent financial management and active participation in charitable acts through digital platforms. The discussion highlights the integration of Islamic economic principles with contemporary digital trends, emphasizing the potential of digital waqf to promote ethical consumption and social awareness. This research contributes to the understanding of innovative Islamic financial practices aligned with Millennials’ and Generation Z’s digital engagement, suggesting a shift towards more conscious and ethical spending habits in the digital age.
References
Abidin, H., Mukhlis, I., & Zagladi, A. N. (2023). Multi-method Approach for Qualitative Research: Literature Review with NVivo 12 PRo Mapping. Kalam Cendekia: Jurnal Ilmiah Kependidikan, 11(3). https://doi.org/10.20961/jkc.v11i3.80748
Abidin, M. Z. (2023). Wakaf dan Pemberdayaan Umat (Wakaf dalam Perspektif Alquran dan Sunnah). Jurnal Ekonomi Syariah, 1(2), 35–49.
Agus Setiawan, M., Haseena Armina, S., Muhammad Moi, R., & Muna, I. (2025). From Awareness to Empowerment: The Role of Waqf Literacy in Indonesia’s Socioeconomic Ecosystem. Surau Journal of Islamic Studies, 1(2), 67–85. https://doi.org/10.63919/surau.v1i2.21
Agustin Erna Fatmasari.,et al. (2024). Predicting Sustainable Consumption Behavior among Generation Z: Role of Nature Relatedness and Environmental Concern. Psychological Research on Urban Society, 7(1). https://doi.org/10.7454/proust.v7i1.1154
Anditasari, P., Sabillah, E., & Budiman, A. (2025). When Shopping Becomes Solace: An Analysis of Doom Spending in the Context of Mental Health and Islamic Ethics. Philanthropy: Journal of Psychology, 9(1), 42–59. https://doi.org/10.26623/philanthropy.v9i1.11510
Arsyadani, A. A., & Wahyudi, A. (2024). Poverty Alleviation from an Islamic Perspective: Study of LazisNU Ponorogo Programs. Indonesian Journal of Islamic Economics and Finance, 3(2), 51–64. https://doi.org/10.37680/ijief.v3i2.6188
Astungkara, A., Ciptaningtias Febriyanti, A., & Mahesti, T. (2025). admin,+16183-49482-1-ED. Jurnal Akuntansi Dan Pajak, 25(Generasi Z Dan Kemandirian Finansial? Peran Frugal Living Dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Dengan Gender Sebagai Variabel Pemoderasi), 1–9.
Azwar, A. (2024). Peluang, Tantangan, dan Strategi Peningkatan Literasi Wakaf di Kalangan Generasi Z. Tijarah: Jurnal Ekonomi, Manajemen, Dan Bisnis Syariah, 1(1), 77–89.
Azwar, A., Achmad Abubakar, & Muhammad Irham. (2025). Opportunity, Challenge, and Strategy of Media in Increasing Waqf Literacy: Correlation and Thematic Interpretation of Relevant Quranic Verses. Al-Khiyar: Jurnal Bidang Muamalah Dan Ekonomi Islam, 5(1), 125–148. https://doi.org/10.36701/al-khiyar.v5i1.2167
A’yun, Siti Qurotul.,et al. (2025). Model-Model Penelitian Kualitatif: Literature Review. Jurnal Penelitian Ilmu Pendidikan Indonesia, 4(2), 341–354.
Bonang, D., Ismail, S., & Sukmana, R. (2024). Empowering the Future of Cash Waqf Through Digitalisation: an Insight Into the Philanthropic Intention of the Indonesian Muslim Community. ISRA International Journal of Islamic Finance, 16(S1), 94–117. https://doi.org/10.55188/ijif.v16iS1.586
Buzzetto-Hollywood, N. B.-H., & Quinn, K. (2024). Technology Behaviors of Generation Z Learners. Journal of Education and Human Development, 13(1), 61–67. https://doi.org/10.15640/jehd.v13p6
Dewantoro, R., Sariani, S., & Suriono, H. (2025). Transformation of Generation Z’s consumption behavior in the digital ecosystem: A theoretical review of social media-based marketing strategies. Priviet Social Sciences Journal, 5(5), 102–110. https://doi.org/10.55942/pssj.v5i5.619
Djaddang, S. (2024). Literature Review Study: Factors That Influence Customer Satisfaction-Muphimin et.al Literature Review Study: Factors That Influence Customer Satisfaction. Jurnal Ekonomi, 13(03), 2024. https://doi.org/10.54209/ekonomi.v13i03
Fadli, M. R. (2021). Memahami desain metode penelitian kualitatif. Humanika, 21(1), 33–54. https://doi.org/10.21831/hum.v21i1.
Faizal, M. F. (2015). Studi Pemikiran Imam Al-Ghazali Tentang Ekonomi Islam. Islamic Banking, 1(1), 49–57.
Fauzi, R., Astarudin, T., & Khaeruman, B. (2023). Optimization of Digital-based Waqf and Its Role in Economic Development in Indonesia. Jurnal Sosioteknologi, 22(1), 124–132. https://doi.org/10.5614/sostek.itbj.2023.22.1.10
Febliza, A., Kadarohman*, A., Aisyah, S., & Abdullah, N. (2025). Generation Z and the Use of Digital Technology: A Review from 2014 to 2023. Jurnal Pendidikan Sains Indonesia, 13(1), 53–67. https://doi.org/10.24815/jpsi.v13i1.40797
Fiqran, M., Mujahidin, M., Noor Bakri, A., & Jasmin A. Abdulrahman, A. (2024). Motivation for Waqf in Millennials and Generation Z: Highlighting Religiosity, Literacy and Accessibility. Ikonomika, 9(2), 309. https://doi.org/10.24042/ijebi.v9i2.25986
Harahap, R. H., Imsar, & Harahap, M. I. (2025). Analisis Pola Perilaku Konsumsi Generasi Z Terhadap Produk Fashion Uniqlo Tinjauan Ekonomi Islam. Journal of Business and Economics Research (JBE), 6(1), 154–167. https://doi.org/10.47065/jbe.v6i1.6917
Heriyanto. (2018). Thematic Analysis Sebagai Metode Menganalisa Data Untuk Peneliltian Kualitatif. Anuva, 2(3), 317–324.
Hidayati, R., Ardhini, P., Ashuratirana, N., Tanjung, K. N., Sari, N. A., & Nuraya, A. S. (2025). Generation Z’s Consumption and Savings Preferences Amidst Economic Uncertainty: A Thematic Analysis Approach. Jurnal Ilmu Manajemen & Ekonomika, 17(2), 151–166. https://doi.org/10.35384/jime.v17i2.789
Huda, M., & Prastian, A. (2025). Solution to Support Indonesian Local. In MILRev : Metro Islamic Law Review (Vol. 4, Issue 1).
Isiaka, G. A., Amosa, A. A., & Brdička, B. (2025). From Virtual Carts to Real-Life Purchases: The Role of Digital Technology in Gen Z’s Buying Decisions. Journal of Educational Technology and Learning Creativity, 3(1), 66–78. https://doi.org/10.37251/jetlc.v3i1.1597
Jannah, U. R., Yuniningsih, & Nur, D. I. (2025). Analyzing Spending Behavior Among Generation Z Students in Surabaya: The Mediating Role of Digital Financial Literacy. Majalah Ilmiah Bijak, 22(1), 274–286.
Khaddafi, M., Wibowo, H., Safitri, I., Aqila, S., Nst, Z., & Salsabila, V. A. (2025). Analisis Penggunaan Metode Kuantitatif dan Kualitatif dalam Penelitian Akuntansi: Studi Literatur pada Jurnal Nasional Terakreditasi. JICN: Jurnal Intelek Dan Cendikiawan Nusantara, 2(3), 4025–4031.
Krishma Rana et al. (2025). Mindful escapes: Unveiling the transformative wellness journeys of generation Z. Journal of Vacation Marketing.
Lahuri, Setiawan Bin.,et al. (2025). Teknologi Blockchain sebagai Upaya Akuntabilitas Wakaf. Sosmaniora: Jurnal Ilmu Sosial Dan Humaniora, 4(1), 99–110. https://doi.org/10.55123/sosmaniora.v4i1.4964
Maharani Akil, A., Lestari, A., Ananda, D., & Hastuty, A. (2023). Optimalisasi Zakat dan Wakaf Melalui Platform Digital Berbasis Syariah. Iqtisaduna: Jurnal Ekonomi Islam, 11(1), 255–266. https://doi.org/10.24252/iqtisaduna.v11i1.57539
Maisuroh, S., Jamil, M., & Manshur, U. (2024). The Role of Social Media in Enhancing Digital Literacy Among Generation Z: A Social and Psychological Perspective. Journal of Social Studies and Education, 1(2), 113–125. https://doi.org/10.61987/jsse.v1i2.457
Maisyarah, A., & Hadi, K. (2024). Implementasi Model Pengelolaan Wakaf Berbasis Digital dalam Meningkatkan Tujuan Pembangunan Berkelanjutan (Sdg’s). Jurnal Ilmiah Ekonomi Islam, 10(1), 887. https://doi.org/10.29040/jiei.v10i1.12079
Maretaniandini, S. T., Hilmiyah, F., Akbar, S., & Adam Hamid, A. (2025). Implementation of Advanced Technology in Waqf Management: A Systematic Literature Review. Journal of Islamic Economic Laws, 8(01), 210–236. https://doi.org/10.23917/jisel.v8i01.8518
Marsuni, N. S., Yusuf, M., & K, M. Y. (2022). Concept of Financial Management in Islamic Perspective. Invoice : Jurnal Ilmu Akuntansi, 4(2), 346–352. https://doi.org/10.26618/inv.v4i2.9004
Martini, E., Rosdaliva, M., & Salsabila, S. (2025). The Influence of Digital Communication and Gen Z’s Perception of Cooperatives and Islamic Banking. Oikonomia : Journal of Management Economics and Accounting, 2(3), 57–63. https://doi.org/10.61942/oikonomia.v2i3.338
Mashitoh, I., & Octafian, R. (2025). The Trend of Payment Method Shifts Among Gen Z from Traditional to Modern. 3(3), 181–192.
Merliyana, Reny Dany.,et al. (2024). Jurnal Wacana Ekonomi Determinants of Generation Z Consumtive Behavior. Jurnal Wacana Ekonomi, 23(3), 234–243.
Millah, A., Muslikhati, & Lukman Hakim, A. (2025). Perubahan Pola Konsumsi Gen Z sebagai Dampak Digitalisasi Ekonomi. Journal Ekonomi Bisnis Dan Akuntansi, 12(1), 65–76.
Napitupulu, R. M., Harahap, H. H., & Simamora, A. M. S. (2021). Waqf literacy of generation Z in Indonesia. Review of Islamic Economics and ….
Nisa, F., Fany Alfarisi, M., & Hamidi, M. (2025). Analyzing the Determinants of BNPL Users Among Young People in West Sumatera: A Logistic Regression Approach. Journal of Accounting and Finance Management, 5(6), 1651–1666. https://doi.org/10.38035/jafm.v5i6.1413
Nunes, E. M. (2022). FIU Digital Commons How Prolonged Social Media Use Affects Generation Z and their New Media Literacy Skills.
Nuradi, N., & Khatimah, H. (2024). Analysis of Generation Z’s Role in Community-Based Waqf Programmes. Proceeding of International E …, 2(December), 16–26.
Nurhendi, S., Fatahillah, M., Fatikhaeni, S., Tinggi Ilmu Ekonomi Syariah KHAS Al Jaelani, S., Tinggi Agama Islam Kuningan, S., & Bungan Bangsa Cirebon, U. (2023). the Essence of Waqf and Perpetuation of Benefits: a Case Study of Jariyah Charity By Acehnese Entrepreneurs in Mecca. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 2(12), 4059–4068.
Phirake, R. A. (2025). the Impact of Digital Marketing Innovations on Gen Z Consumer Behaviour: an Empirical Study Through the Lens of Sustainable Development. Academy of Marketing Studies Journal, 29(6), 1–13.
Pradana, Muhammad Rizqi Virgiawan. (2025). Lifestyle Of Gen Z : A Study Based On Islamic Economic. El-Ecosy: Jurnal Ekon, 05(01).
Pratama, M. A. Y. (2025). Eco-Iqtishodi Eco-Iqtishodi. Eco-Iqtishodi, 7(1), 41–53.
Putri, M. C., & Melati, I. S. (2025). Generasi Z dan Doom Spending: Pengaruh Pendapatan, Media Sosial dan Gaya Hidup di Kota Tegal. Journal Management, Business, and Accounting, 24(1), 2655–2826.
Rachmawati, A., Rofiqo, A., Mudi Awalia, F. T., & Aqidah, N. (2024). How Aware is Generation Z of Waqf? A Quantitative Study on Maqashid among Indonesian Muslim Students. Ulul Albab: Jurnal Studi Dan Penelitian Hukum Islam, 8(1), 50. https://doi.org/10.30659/jua.v8i1.38478
Rahmadhani, O. K. (2025). Generasi Z dan Transformasi Gaya Hidup Sehat di Era Digital. Jurnal Pendidikan Dan Ilmu Sosial, 3(1), 323–331.
Rasiman, Prasetia, A., Masruri, A., & Asvariwangi, V. (2024). ISSN : 3047-387X Universitas Ibn Khaldun Bogor . Doom Spending Among Gen Z and Millennials in a Financial Planning Webinar in the Digital Era. Unityserv: UIKA Community Service Journal, 1(2), 50–54.
Reyhanmulky, M., Supriani, I., & Al-Ghifary, M. S. (2024). What Drives Millennials’ and Gen Z’s Intentions to Participate in Cash Waqf Linked Sukuk? Perspectives from Islamic Altruism. International Journal of Islamic Economics and Finance (IJIEF), 7(2), 200–222. https://doi.org/10.18196/ijief.v7i2.20703
Riswandi, D. (2023). Improving Media Literacy skills in Generation Z in the Digital Era. 14(04), 40–47.
Saputra, W. (2025a). Development of Digital Green Waqf for Social Sustainability in Riau, Indonesia. Jurnal Ilmu Sosial Dan Humaniora, 1(3), 636–670.
Saputra, W. (2025b). Digital Green Waqf: A Systematic Literature Review On Sustainable Islamic Philanthropy In The Digital Era. Sujud: Jurnal Agama, Sosial Dan Budaya, 1(3), 302–316.
Sari, Wulan Purnama.,et al. (2025). Self-Disclosure Of Generation Z Heavy Social Media Users In Bali Wulan. Komunika, 8(1), 1–14.
Sawitri, N. N. (2025). The Role of Mixed Methods : Qualitative , Quantitative , Positivism , and Post-Positivism. 3(4), 558–568.
Susila, H. J. (2025). Exploring Islamic Marketing Strategies Among Gen Z Entrepreneurs Using Social Media: A Case Study From STIE Balikpapan. Golden Ratio of Marketing and Applied Psychology of Business, 6(1), 226–234. https://doi.org/10.52970/grmapb.v6i1.1595
Syafira Nurina Arrasya.,et al. (2024). Waqf Literacy Strategy for Empowering Waqf Based on Digital Media Platforms (Case Study at the Indonesian Waqf Board). 0(Icdcde). https://doi.org/10.2991/978-2-38476-285-9
Theocharis, D., Tsekouropoulos, G., Chatzigeorgiou, C., & Kokkinis, G. (2025). Empirical Categorization of Factors Affecting Online Consumer Behavior of Gen Z Regarding Newly Launched Technological Products and Moderating Impact of Perceived Risk. Behavioral Sciences, 15(3). https://doi.org/10.3390/bs15030371
Tirocchi, S. (2023). Generation Z, values, and media: from influencers to BeReal, between visibility and authenticity. Frontiers in Sociology, 8(January). https://doi.org/10.3389/fsoc.2023.1304093
Ulirrahmi, F. (2024). Efisiensi Ekonomi Dalam Islam: Kajian Terhadap Qs. Al-Isra Ayat 26-29. An-Natiq Jurnal Kajian Islam Interdisipliner, 4, 13.
Wadi, D. A., & Nurzaman, M. S. (2020). Millennials behaviour towards digital waqf innovation. International Journal of Islamic ….
Wan Nailah, Abdullah Syahiza, A., Hasnisah, H., & Rahayati, Ahmad Muhammad, A. (2023). Influence of Psychological Well-Being and School Factors on Delinquency , During the Covid-19 Period Among Secondary School Students in Selected Schools in Nakuru County : Kenya. International Journal of Research and Innovation in Social Science (IJRISS), VII(2454), 1175–1189. https://doi.org/10.47772/IJRISS
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Misi Anggraini

This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Abstract views: 1
,
PDF Downloads: 0








