Behavior Intention to Use Online Zakat: Application of Technology Acceptance Model with Development

Abstract

<p><em>Indonesia is one of the countries with the largest Muslim population in the world, but the level of zakat is not too high. This can be seen from the low amount of zakat that has been successful compared to the potential for zakat. In view of this fact, the Zakat Management Organization (OPZ) implements a digitalization strategy for collecting zakat funds, including the Magelang Regency. </em><em>This study was conducted </em><em>to understand the intention of the community/muzakki to pay zakat online. This study uses the Technology Acceptance Model (TAM) theoretical framework by adding a moderating variable to electronic word of mouth (eWOM). This study used a quantitative approach with 135 respondents. Data were collected randomly from the Internet (online). Structural equation modeling (SEM) </em><em>and </em><em>partial least squares (PLS)</em><em> were used for data analysis. The findings of this study suggest that attitudes can be expressed by perceived ease of use</em><em>, perceived usefulness, and electronic word of mouth (eWOM). Meanwhile, behavioral intention in this study proved to be reliable by electronic word of mouth (eWOM) and attitude. The results of the moderation effect test prove that electronic word of mouth (eWOM) in this study weakens the relationship between perceived ease of use (PEoU) and attitude. Electronic word of mouth (eWOM) can assess the relationship between perceived usefulness (PU) and attitudes and behavioral intentions.</em><em></em></p>

ZISWAF Digital Payment as An Effort to Reach Millennials

“…Therefore, the application is likely to increase the ZISWAF revenue target. This supports the research conducted Davis (1989), Rouibah ( 2009) and Wong et al (2013), Wiharjo & Hendratmi (2020), Baskoro & Karmanto, 2020), Purwanto et al, (2021) that PU and PEoU have a significant effect on Intention. Attitude (ATT) is a factor in a studied person providing a positive or negative response to the assessment of something given.…”

“…In terms of TPB, it can also be analyzed that the encouragement of ease in forming positive experiences increases the addiction to digital platforms in ZISWAF payments. This is in line with the process of people's interest in using halal products because the response of positive experiences of individuals on the use of halal products has the potential to create a habit of consuming them (Mohamed Omar et al 2012;Aziz et al 2015;Abdul Latiff et al 2016;S.-L. Wong, Hsu, and Chen 2018;Hasyim 2018;Hasyim and Nurohman 2021;Purwanto, Sulthon, and Wafirah 2021;Wiharjo and Hendratmi 2020).…”

“…In addition, the coverage of cellular signal access is also an obstacle in the use of digital transaction-based applications (Utami et al 2020). In previous research, the majority focused more on acceptance proxied through the theory of acceptance model (TAM) (Lai 2017;Karmanto, Mahri, and Nurasyiah 2021;Purwanto, Sulthon, and Wafirah 2021;Wiharjo and Hendratmi 2020). However, it has not touched the personal realm in forming attitudes or habits to start digital transactions, especially ZISWAF.…”

Determinant of Behavioral Intention to Use Digital Zakat Payment: The Moderating Role of Knowledge of Zakat

“…Furthermore, the study on zakat also debates in the context of religion (Abdullah et al, 2017;Linge, 2017;Osmera et al, 2021), institutional framework (Cokrohadisumarto et al, 2020;Tantriana & Rahmawati, 2019;Widarwati et al, 2017), its role in poverty alleviation (Hossain et al, 2019;Rahmatina A Kasri, 2016;Razak, 2020) and management of zakat distribution (Andiani et al, 2018;Haq et al, 2017;Kasri, 2014). Research on zakat behavior (Andam & Osman, 2019;Mohd Asri et al, 2017;Yusfiarto et al, 2020) and the use of digital platforms (Hudaefi et al, 2020;Hudaefi & Beik, 2021;Kasri & Yuniar, 2021;Purwanto et al, 2021;Utami et al, 2020) has also become a topic of interest among researchers recently. Research on zakat behavior using digital platforms is essential considering the lack of realization of zakat collection compared to the existing potential.…”

“…Previous research has discussed how muzzaki behavior uses digital media. The models used to explore the muzzaki behavior include the Technology Acceptance Model (TAM) (Purwanto et al, 2021;Utami et al, 2020) and the unified theory of acceptance and use of technology (UTAUT) (Kasri & Yuniar, 2021;Sulaeman & Ninglasari, 2020). This study wants to conform to the UTAUT theory in the context of the intention to use digital zakat fulfillment.…”