Intensi Perilaku Dan Religiusitas Generasi Millenials Terhadap Keputusan Pembayaran Zis Melalui Platform Digital

Kurniaputri, Mega Rachma; Dwihapsari, Rindani; Huda, Nurul; Rini, Nova

doi:10.34308/eqien.v7i2.134

Cited by 16 publications

(21 citation statements)

References 4 publications

(5 reference statements)

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“…Internal and external factors influence an individual's decision to donate through a fintech platform. Kurniaputri et al (2020) stated that intention is one of the internal factors that influence the decision to donate through fintech. Meanwhile, previous research studied that the variables that affect muzakki paying zakat through fintech are socialization factors from zakat institutions, costs, convenience, and security of using applications, as well as the credibility of zakat institutions.…”

Section: Introductionmentioning

confidence: 99%

Indonesian young consumers’ intention to donate using sharia fintech

Agustiningsih

Savitrah

Lestari

2021

AJIM

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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.

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Section: Introductionmentioning

confidence: 99%

Indonesian young consumers’ intention to donate using sharia fintech

Agustiningsih

Savitrah

Lestari

2021

AJIM

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“…A study on millennials paying zakat via online platforms has been done by Kurniaputri et al (2020). By using the PLS-SEM method, they found that the intention of Muslim millennials in Jabodetabek to pay zakat by using an online platform has a significant relationship with their decision to pay zakat through online platforms.…”

Section: Previous Studiesmentioning

confidence: 99%

“…Aristiana et al (2019) and Kurniaputri et al (2020), both studies about paying zakat through an online platform, found that religiosity has no significant relationship with respondent's decision whether to pay zakat by using an online platform or not. However, the previous research done by Abdullah and Sapiei (2018), Mukhlis and Beik (2013) and Arilia and Anwar (2019) has found that religiosity significantly affected respondent's decision to pay zakat via philanthropy institutions:…”

Section: Religiositymentioning

confidence: 99%

Analysis on the determinant of millennials’ zakat payment through digital platform in Indonesia: a multinomial logistic approach

Beik

Arsyianti

Permatasari

2023

JIMA

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Purpose Digital technology has been widely applied in zakat collection. Millennials, who are now dominating the productive phase and at their peak carrier path, are the potential target for zakat collection as their number reached 31.3% of the Indonesian population. On the other hand, public and private zakat institutions have attempted to optimize the country’s zakat potential, reaching 233.6tn rupiahs, through development of a digital platform for zakat collection. However, the gap between the actual collection of zakat with its potential is still large. This study aims to analyse the factors affecting millennials in paying zakat through direct payment or through digital platform of private or public zakat institutions. Design/methodology/approach Multinomial logistic regression method, which signifies the contribution of this study, is used to analyse factors influencing millennials in their zakat payment. In addition, cross-tabulation is used to classify the characteristics of respondents. Respondents are selected conveniently through a digital questionnaire distributed in February–March 2021. Respondents are also selected purposively based on their experience in paying zakat through direct, private or public zakat institutions, which are consisted of 50 respondents per each category; thus, the total becomes 150 respondents. Findings Based on the results, three variables, namely, education, accessibility and age, are found to have a significant influence on zakat payment through online platforms provided by private zakat institutions. Meanwhile, variables that influence zakat payment through online platforms provided by public zakat institutions are education, accessibility and income. This study also finds that millennials have the highest probability to select online platforms provided by private zakat institutions as a channel of their zakat payment. However, the overall result shows that millennials tend to pay directly to the mustahik (zakat recipients) rather than via online platforms, presumably because of their limited zakat literacy. Research limitations/implications The purposive sampling technique used to determine the research samples limits the generalization of the study. Practical implications This paper establishes a new approach in analysing millennials preference in their zakat payment with digital inclusiveness. The use of a multinomial logistic approach, which has not been widely applied in such research, strengthens the analysis that is relevant to the need of both private and public zakat institutions to analyse determinants of millennials in paying their zakat through online platform. This study can be used as a reference to formulate a more effective marketing strategy for zakat collection. This paper also serves as an estimate of the preference with some selected typical characteristics of millennials by using a multinomial logistic approach. Social implications Formal payment through the zakat institution theoretically is more preferable than direct payment to mustahik (zakat recipients) in the zakat campaign. However, based on this research, despite digital marketing and platforms having been well-used by both private and public zakat institutions, the millennials still prefer direct zakat payment than through online platforms. The findings of this research suggest the importance of strengthening zakat literacy through a more effective digital marketing strategy of zakat institutions which target the millennials. Originality/value This study fills the gap in the literature on how millennials choose their zakat payment method, whether through digital platforms developed by private and public zakat institutions or directly to the targeted zakat recipients. The use of multinomial logistic regression approach adds the novelty of this research.

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“…Sehingga dalam penelitian ini masyrakat muslim Kota Salatiga memiliki evaluasi negatif terhadap faktor internal dan faktor eksternal yang memperngaruh religiositas tiap individu. Hasil penelitian ini sejalan dengan penelitian yang dilakukan oleh (Kurniaputri et al 2020) (Syafira et al 2020).…”

Section: Pengaruh Religiositas Terhadap Minat Sedekah Non Tunaiunclassified

Faktor-Faktor yang Memengaruhi Minat Sedekah Non Tunai

Irawati¹,

Fitriyani²

2022

JIEFeS

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In this modern era, the development of Islamic financial instruments has entered an era of increasing awareness from various parties. One of them is by participating in adapting technological developments in alms collection, in addition to making it easier for almsgivers to channel their donations, this strategy is expected to optimize the potential of ZIS in Indonesia. However, the factors that encourage interest in non-cash donations still need to be studied more deeply in order to improve the optimization of ZIS collection. This study aims to determine the effect of perceptions of convenience, income, and religiosity on interest in non-cash alms with trust as a moderating variable. This study used a quantitative method by processing primary data collected from questionnaires given to 100 Muslim communities in the city of Salatiga who were used as research samples. The analytical tool used is multiple linear regression with the help of the SPSS 26 application. Data analysis methods include instrument testing, classical assumption testing, and hypothesis testing. The results of this study indicate that perceived convenience and income have a significant positive effect on interest in non-cash alms. Meanwhile, religiosity has no effect on interest in non-cash alms. As well as trust is able to moderate the effect of perceptions of convenience, income, and religiosity on interest in non-cash alms.Pada era modern seperti sekarang, perkembangan instrumen keuangan Islam telah memasuki era peningkatan kesadaran dari berbagai pihak. Salah satunya dengan turut mengadaptasi perkembangan teknologi dalam penghimpunan sedekah, selain memudahkan penyedekah menyalurkan donasinya, strategi tersebut diharapkan dapat mengoptimalisasi potensi ZIS yang ada di Indonesia. Namun, faktor yang mendorong minat berdonasi non tunai masih perlu dikaji lebih dalam agar mampu meningkatkan optimalisasi penghimpunan ZIS. Penelitian ini bertujuan untuk mengetahui pengaruh persepsi kemudahan, pendapatan, dan religiositas terhadap minat sedekah non tunai dengan kepercayaan sebagai variabel moderasi. Penelitian ini menggunakan metode kuantitatif dengan mengolah data primer yang dihimpun dari kuesioner yang diberikan kepada 100 masyarakat muslim kota Salatiga yang dijadikan sebagai sampel penelitian. Alat analisis yang digunakan adalah regresi linear berganda dengan bantuan aplikasi SPSS 26. Metode analisis data meliputi uji instrumen, uji asumsi klasik, dan uji hipotesis. Hasil penelitian ini menunjukkan bahwa persepsi kemudahan dan pendapatan berpengaruh positif signifikan terhadap minat sedekah non tunai. Sedangkan religiositas tidak berpengaruh terhadap minat sedekah non tunai. Serta kepercayaan mampu memoderasi pengaruh persepsi kemudahan, pendapatan, dan religiositas terhadap minat sedekah non tunai.

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Intensi Perilaku Dan Religiusitas Generasi Millenials Terhadap Keputusan Pembayaran Zis Melalui Platform Digital

Cited by 16 publications

References 4 publications

Indonesian young consumers’ intention to donate using sharia fintech

Indonesian young consumers’ intention to donate using sharia fintech

Analysis on the determinant of millennials’ zakat payment through digital platform in Indonesia: a multinomial logistic approach

Faktor-Faktor yang Memengaruhi Minat Sedekah Non Tunai

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