Persepsi Kegunaan, Kemudahan Penggunaan, Keamanan Dan Privasi Serta Kepercayaan Dalam Penggunaan Zakat Online: Dengan Pendekatan Tam

Wiharjo, Bahana; Hendratmi, Achsania

doi:10.20473/vol6iss20192pp331-343

Cited by 5 publications

(9 citation statements)

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“…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.…”

Section: Discussionsupporting

confidence: 89%

“…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).…”

Section: Discussionmentioning

confidence: 66%

“…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.…”

Section: Introductionmentioning

confidence: 99%

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ZISWAF Digital Payment as An Effort to Reach Millennials

Hasyim¹,

Awwal

Amin³

2020

Economica

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ZISWAF is an Islamic-led fundraising instrument aimed at wealth distribution. The existence of technological developments allows the adaptation of payments with all its acceleration. This study aims to determine the digital payment strategy to maximize ZISWAF’s revenue potential in Indonesia. This study uses the TAM, and TPB modification approaches. The methodology used is structural equation modeling (SEM) with a partial least square (PLS) approach. The sample used is the Y generation as a representation of the millennial generation. The results showed that all the variables forming the TAM theory (perceived usefulness, perceived ease of use, attitude) and all the variables creating the TPB theory (subjective norms and perceived behavior control) significantly affect the Intention (INT) of individuals pay for online ZISWAF (sig. 0.05, α=5%). Furthermore, attitude is a mediating variable in a partial/ quasi modification model that links perceived usefulness (PU), perceived ease of use (PEoU) to Intention (INT) (VAF=49.87%).Abstrak: ZISWAF adalah instrumen pengumpulan dana yang dipelopori Islam dengan tujuan untuk distribusi kekayaan. Adanya perkembangan teknologi memungkinkan adaptasi pembayaran dengan segala akselerasinya. Penelitian ini bertujuan untuk mengetahui strategi pembayaran digital untuk memaksimumkan potensi pendapatan ZISWAF di Indonesia. Penelitian ini menggunakan pendekatan modfikasi TAM dan TPB. Metodologi yang digunakan adalah structural equation modeling (SEM) dengan pendekatan partial least square (PLS). Sampel yang digunakan merupakan generasi Y sebagai representasi generasi milenial. Hasil menunjukkan seluruh variabel pembentuk teori TAM yakni perceived usefulness (PU), perceived ease of use (PEoU) dan attitude (ATT) dan seluruh variabel pembentuk teori TPB yakni subjective norms (SN) dan perceived behavior control (PBC) berpengaruh terhadap intention (INT) individu dalam membayar ZISWAF secara online (sig. 0.05, α=5%). Attitude (ATT) merupakan variabel pemediasi dalam model modifikasi yang bersifat partial/ quasy yang menghubungkan perceived usefulness (PU), perceived ease of use (PEoU) terhadap intention (INT) (VAF=49.87%)

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Section: Discussionsupporting

confidence: 89%

Section: Discussionmentioning

confidence: 66%

Section: Introductionmentioning

confidence: 99%

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ZISWAF Digital Payment as An Effort to Reach Millennials

Hasyim¹,

Awwal

Amin³

2020

Economica

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“…Akan tetapi, kemudahan pembayaran zakat melalui zakat digital memiliki beberapa resiko seperti kebocoran data, yang dapat disebabkan oleh peretasan pihak internal, peretasan pihak eksternal, dan kebocoran data akibat sistem pada platform digital tidak aman (Aswandi et al, 2020). Penelitian dari (Bahana Wiharjo & Achsania Hendratmi, 2019) menyatakan bahwa semakin tinggi tingkat keamanan dan privasi layanan zakat digital maka semakin tinggi pula penggunaan dan minat zakat secara digital. Sehingga dengan adanya resiko tersebut terdapat kemungkinan masyarakat tidak memiliki minat terhadap bertransaksi zakat melalui platform zakat digital.…”

Section: Pendahuluanunclassified

Analisis Pengaruh Literasi Zakat dan Kepercayaan terhadap Minat Membayar Zakat Melalui Zakat Digital pada Masyarakat di Kabupaten Sidoarjo

Anggraini

Indrarini²

2022

JEKoBi

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Di era digital pengumpulan dana zakat dapat dilakukan melalui platform digital yang dimiliki oleh lembaga amil zakat. Namun adanya kemudahan tersebut, memiliki resiko yang dapat mempengaruhi minat masyarakat Kabupaten Sidoarjo untuk membayarkan zakatnya melalui zakat digital. Penelitian ini bertujuan untuk mengetahui pengaruh literasi zakat dan kepercayaan terhadap minat membayar zakat melalui zakat digital pada masyarakat di Kabupaten Sidoarjo. Pada penelitian ini menggunakan metode kuantitatif menggunakan alat ukur skala linkert. Dengan teknik analisis data regresi linier berganda menggunakan program IBM SPSS 25. Hasil penelitian ini menunjukkan literasi zakat secara parsial tidak memiliki pengaruh terhadap minat membayar zakat melalui zakat digital pada masyarakat di Kabupaten Sidoarjo. Kepercayaan memiliki pengaruh terhadap minat membayar zakat melalui zakat digital pada masyarakat di Kabupaten Sidoarjo. Serta literasi dan kepercayaan secara simultan memiliki pengaruh terhadap minat membayar zakat melalui zakat digital pada masyarakat di Kabupaten Sidoarjo.

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“…Several studies have shown that the effectiveness of distribution in donations felt by donors has a positive effect in this case with the use of technology including the interest in paying zakat, infaq and alms online in Kuala Lumpur (Wiharjo & Hendratmi, 2019), regarding perceptions of the use of zakat, infaq and almsgiving online in Indonesia (Jamaludin et al, 2017), regarding muzzaki's decision to pay zakat, infaq and alms through fintech gopay (Ichwan, 2020), regarding individual interest in using fintech sharia paytren as a tool for donation payment transactions (Amalia, 2018), regarding millennial Muslim community's interest in donating using fintech platforms (Niswah et al, 2019b), regarding the use of fintech in donations (Usman, 2020), regarding the adoption of online ZIS payments by Generation Z (Oktavendi, 2021), researching interest in paying ZIS through BSI Mobile (Arwani & Wahdati, 2020), examines the perceptions of the millennial generation regarding zakat online (Lathifah, 2020), analyzing the website of the amil zakat foundation on the intention to pay zakat online using the TAM approach (Sukoraharjo et al, 2018), regarding the interest in adopting the waqf crowdfunding model (Mohd Thas Thaker et al, 2018), regarding the interest in using Go-Pay digital payment service in donating (Joan, 2019). Meanwhile, opposing research in this study includes examining the determinants of millennial generation interest in paying zakat, infaq and alms online (Sulaeman & Ninglasari, 2020), researching interest in paying zakat through the kitabisa.com platform (Astuti & Prijanto, 2021).…”

Section: Introductionmentioning

confidence: 99%

Payment Social Charity from the Muslim Community in Jayapura with an Explanatory Research

Affandy¹,

Baharuddin²,

Yeubun³

et al. 2022

ZISWAF

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<p><em>This paper aims to investigate why Muslim communities prefer to pay social charity to private non-profit institutions during natural and humanitarian disasters. This is quantitative research with an explanatory analysis method. The population in this study was the entire Muslim population of Jayapura City, Papua Province. Pre-observational research found that only 11% (22 respondents) of 200 respondents paid social charity to official government-owned institutions, while 89% (178 respondents) paid social charity to private non-profit institutions. Therefore, we obtained data using a questionnaire from 178 respondents who paid social charity to private non-profit organizations. The results show that three important variables can explain why people prefer to pay Islamic social finance to private non-profit institutions: channeling effectiveness, ease of access, and social influence. This study makes implications for private non-profit organizations on how to keep contributors' trust by paying attention to how donors' money is distributed, how accurately donations are distributed, and how the organization is perceived. The example set by private nonprofit organizations should be followed by government-owned private nonprofit organizations to improve their donor services.</em></p>

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Persepsi Kegunaan, Kemudahan Penggunaan, Keamanan Dan Privasi Serta Kepercayaan Dalam Penggunaan Zakat Online: Dengan Pendekatan Tam

Cited by 5 publications

References 0 publications

ZISWAF Digital Payment as An Effort to Reach Millennials

ZISWAF Digital Payment as An Effort to Reach Millennials

Analisis Pengaruh Literasi Zakat dan Kepercayaan terhadap Minat Membayar Zakat Melalui Zakat Digital pada Masyarakat di Kabupaten Sidoarjo

Payment Social Charity from the Muslim Community in Jayapura with an Explanatory Research

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