Indonesian young consumers’ intention to donate using sharia fintech

Abstract

Purpose: This research examines the effect of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), religiosity, and company image on intention to use Sharia fintech for donation among Indonesian young consumers. Methodology: This study used a quantitative method with data collection techniques using an online questionnaire. Respondents filled out the questionnaire based on the Likert scale from 1 (strongly disagree) to 4 (strongly agree). The questionnaire was distributed and collected in less than one week, from 26th March 2021 to 29th March 2021. The ideal sample is five times higher than the number of indicators. The number of indicators is 20, so the ideal sample is 100 or more. This study has successfully collected 206 respondents. However, 13 respondents filled the same scale for all questions, so 193 is chosen as data analysis. The valid data were analyzed through Structural Equation Modeling Partial Least Square (SEM-PLS). Findings: This research shows the intention to use Sharia fintech to pay donations influenced by perceived usefulness (PU) and religiosity. In contrast, perceived ease of use (PEOU) and image are not positively related to the intention of using Sharia fintech for donation. Practical Implication: Religiosity and PU positively influence the interest in using Sharia fintech to pay donation. So, it is expected for fintech to comply with Sharia compliance and still comply with regulations from the OJK and DSN related to legality aspects. Furthermore, fintech startups and developers can build a more user-friendly application. Originality: This research is a replication-based model and is adapted from published research. The originality in this research is in the respondent who young generation. Intention to pay donation using fintech Sharia is the main focus to be researched. This primary focus has not been being researched beforehand.

Preferences for Donating to Religious and Non-Religious Philanthropic Institutions: Evidence in Indonesia

“…Even though the donation applications of non-religious philanthropic institutions may be not very user-friendly, donors can overcome it with their digital intelligence. This confirms the studies by Rohmah et al (2020) finding that ease of donating using fintech crowdfunding has no significant effect on interest in paying ZIS, and that of Agustiningsih et al (2021) indicating that ease of use does not affect users' intention to use fintech to pay donations.…”

“…Religion also motivates giving because it enhances conviction (it shapes people's opinions about what is right and wrong, and hence people have a more significant concern for other people's wellbeing) and instills a sense of community and social context in which people are more aware of opportunities to give (Jamal et al, 2019). The results of this study are in line with the research of Rohmah et al (2020), who stated that partially the ease of donating using fintech crowdfunding has no significant effect and has a negative relationship to interest in paying ZIS, and also Agustiningsih et al (2021)'s study finding that ease of use does not affect users' intention to use fintech to pay donations. Likewise, Won-jun & Lee (2018) found that convenience did not significantly affect the intention to use financial technology.…”

Muslim Intention to Participate in Retail Cwls: The Test of Mediation and Moderation Effects

“…Participating in waqf is one of the noble acts of helping others, as well as fulfilling religious teaching and receiving blessings from Allah. Muslims with a high level of religiosity will also have social willingness, as reflected in the activity of making donations (Agustiningsih et al, 2021).…”

Managing Digital Fundraising of Dompet Dhuafa During Covid-19 Pandemic

“…DD also owns a musical content in DD TV YouTube to entertain its viewers called "Insan Muda", an epithet for DD's youth-segmented members. (Agustiningsih et al, 2021). DD's contents also own emotional appeals which can motivate donors to donate.…”