Persepsi Keamanan, Kepercayaan, dan Akuntabilitas Perusahaan Terhadap Niat Berdonasi Melalui Fintech Crowdfunding

Abstract

This study aims to empirically examine the effect of perceived security, trust and corporate accountability on the intention to donate through fintech crowdfunding. This research data is primary data which is obtained by distributing questionnaires through google form. The population of this study is all Indonesian people who have used fintech crowdfunding. The sample in this study used simple random sampling, where everyone who has used fintech crowdfunding is randomly selected and asked to be part of the research sample. Testing the data in this study using structural equation modeling (SEM) model with a Smart PLS 3. The results showed that the trust, security and accountability of the company had a positive and significant effect on the intention to donate through fintech crowdfunding. A crowdfunding company that is able to provide a high level of security related to customer personal data and transaction information, is able to make customers believe it, and the company's ability to provide disclosure of its financial statement information will make people believe that they will make online donations to the crowdfunding company.Keywords: accountability, intention to donate, security, trust. ABSTRAKPenelitian ini bertujuan untuk menguji secara empiris pengaruh persepsi keamanan, kepercayaan dan akuntabilitas perusahaan terhadap niat berdonasi melalui fintech crowdfunding. Data penelitian ini merupakan data primer dimana diperoleh dengan melakukan penyebaran kuisioner melalui google form. Populasi penelitian ini seluruh masyarakat Indonesia yang pernah menggunakan fintech crowdfunding. Sampel pada penelitian ini menggunakan simple random sampling, dimana setiap orang yang pernah menggunakan fintech crowdfiunding dipilih secara acak dan diminta untuk menjadi bagian sebagai sampel penelitian. Pengujian data dalam penelitian ini menggunakan model structural equation modeling (SEM) dengan Smart PLS 3. Hasil penelitian menunjukkan bahwa kepercayaan, keamanan dan akuntabilitas perusahaan berpengaruh positif dan signifikan terhadap niat berdonasi melalui fintech crowdfunding. Perusaahan crowdfunding yang mampu memberikan tingkat keamanan yang tinggi terkait dengan data pribadi pelanggan maupun terhadap informasi transaksi, mampu membuat pelanggan pecaya, serta kemampuan perusahaan dalam memberikan keterbukaan atas informasi laporan keuangannya akan membuat masyarakat yakin akan melakukan donasi online pada perusahaan crowdfunding tersebut.Kata Kunci: akuntabilitas, keamanan, kepercayaan, niat berdonasi.

Young muslim generation’s preferences for using digital platforms for Zakat payments: A cross-country study of Indonesia and Malaysia

“…In the context of charitable donations and fundraising, research conducted in China has shown that trust has a substantial and positive impact on an individual's intention to contribute to charitable projects via fundraising platforms (Li et al, 2018) Similarly, Salsabila and Hasbi (2021) found that trust played a significant role in fundraising activities on the Kitabisa, a crowdfunding platform in Indonesia and so for Mahad et al (2015) on Malaysia mobile banking applications. It is worth noting that trust in using a digital service can have an even more pronounced influence when coupled with strong security measures and company accountability (Irawan et al, 2022). However, it is important to acknowledge that findings can vary across different studies and contexts.…”