Main Article Content
Abstract
Purpose – This study aims to analyze the intention of the young Muslim generation in paying infaq using online platforms.
Methodology – The respondents in this study were 320 young Muslims who had previously made infaq payments through online platforms. The research framework applied was an extended unified theory of acceptance and use of technology (UTAUT) model to predict the intention to use new technology. Structural equation modeling (SEM) techniques to assess the validity, reliability, and relationships between various latent variables.
Findings – The results of the data analysis show that performance expectations, social influence, infaq literacy, and habits have a significant influence on the intention to pay infaq through online platforms. In addition, habits and intention to pay donations online also influence usage behavior in paying donations via online platforms.
Implications – Based on these findings, it is recommended that the Amil Zakat Infaq and Sedekah Agency (BAZNAS) collaborate with profit-oriented and non-profit social organizations in Indonesia. This collaboration is expected to improve online infaq services and expand the reach of community participation, in line with the increasing intention in and habit of using online platforms to pay infaq.
Originality – This study uniquely focuses on the young Muslim generation's behavior in using online platforms for infaq, an area not extensively explored in previous research. By employing Structural Equation Modeling (SEM), it offers a comprehensive analysis of both direct and indirect effects, providing actionable insights for enhancing online donation platforms.
Keywords
Article Details
Copyright (c) 2024 Retty Ikawati, Fiqih Afriadi, Yeny Fitriyani, Jannahar Saddam Ash Shidiqie, Mussolini Sinsuat Lidasan
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References
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- Ahimsa, E. A., Sudarsono, H., Abdul Ghoni, M., & Affandi, M. T. (2023). Understanding muzaki adoption of digital zakat payments in Indonesia. Review of Islamic Social Finance and Entrepreneurship, 2(2), 182-193. https://doi.org/10.20885/RISFE.vol2.iss2.art7.
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- Arif, A., Nofrianto, M. N. R., & Fasa, M. I. (2023). The preference of Muslim young generation in using digital zakat payment: Evidence in Indonesia. Al-Uqud: Journal of Islamic Economics, 7(1), 1–16. https://doi.org/10.26740/aluqud.v7n1.p1-16
- Badan Amil Zakat Nasional (2022). Laporan pengelolaan zakat nasional. Badan Amil Zakat Nasional. https://baznas.go.id/assets/images/szn/statistik_10.pdf
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- Hair, J., Hollingsworth, C. L., Randolph, A. B., & Chong, A. Y. L. (2017). An updated and expanded assessment of PLS-SEM in information systems research. Industrial Management and Data Systems, 117(3), 442–458. https://doi.org/10.1108/IMDS-04-2016-0130
- Herianingrum, S., Supriani, I., Sukmana, R., Effendie, E., Widiastuti, T., Fauzi, Q. & Shofawati, A. (2024). Zakat as an instrument of poverty reduction in Indonesia. Journal of Islamic Accounting and Business Research, 15(4), 643-660. https://doi.org/10.1108/JIABR-11-2021-0307
- Kasri, R. A., & Sosianti, M. W. (2023). Determinants of the intention to pay zakat online: The case of Indonesia. Journal of Islamic Monetary Economics and Finance, 9(2), 275–294. https://doi.org/10.21098/jimf.v9i2.1664
- Kasri, R. A. & Yuniar, A. M. (2021), Determinants of digital zakat payments: Lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362-379. https://doi.org/10.1108/JIABR-08-2020-0258
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- Khechine, H., Lakhal, S., & Ndjambou, P. (2016). A meta-analysis of the UTAUT model: Eleven years later. Canadian Journal of Administrative Sciences, 33(2), 138–152. https://doi.org/https://doi.org/10.1002/CJAS.1381.
- Lee, Y. K. & Chang, C. T. (2007). Intrinsic or extrinsic? Determinants affecting donation behaviors, International Journal of Educational Advancement, 8(1), 13-24. https://doi.org/10.1057/ijea.2008.2
- Li, Y. Z., He, T. L., Song, Y. R., Yang, Z., & Zhou, R. T. (2018). Factors impacting donors’ intention to donate to charitable crowd-funding projects in China: A UTAUT-based model. Information Communication and Society, 21(3), 404–415. https://doi.org/10.1080/1369118X.2017.12825
- Niswah, F. M., Mutmainah, L. & Legowati, D. A. (2019). Muslim millennial’s intention of donating for charity using fintech platform. Journal of Islamic Monetary Economics and Finance, 5(3), 623-644. https://doi.org/10.21098/jimf.v5i3.1080
- Razzack, M. F., Santosa, P. B., Ardani, M. A., & Alfian,A. M. (2022). Analysis of the utilization of zakat, infaq, and sedekah during Covid-19 pandemic: CIBEST model approach. Review of Islamic Social Finance and Entrepreneurship, 1(1), 36-49. https://doi.org/10.20885/RISFE.vol1.iss1.art3
- Santoso, A., Sudarsono, H., & Hawariyuni, W. (2024). Young Muslim generations and sadaqah through digital platforms: Do sadaqah literacy and religiosity matter? Review of Islamic Social Finance and Entrepreneurship, 3(1), 36-49. https://doi.org/10.20885/RISFE.vol3.iss1.art3
- Sudarsono, H., Nugrohowati, R. N. I., & Tumewang, Y. K. (2021). The effect of zakat institution system and government support on intention to pay zakat: Knowledge as a moderating variable. EQUILIBRIUM: Jurnal Ekonomi Syariah, 9(2), 253-274. http://dx.doi.org/10.21043/equilibrium.v9i2.11605
- Sudarsono, H., Supriani, I., & Perdana, A. R. A. (2022a). Do perceived zakat institutions and government support affect entrepreneurs’ intention to pay zakat?. Review of Islamic Social Finance and Entrepreneurship, 1(2), 85–96. https://doi.org/10.20885/RISFE.vol1.iss2.art1
- Sudarsono, H., Ikawati, R., & Nugrohowati, R. N. I. (2022b). The Intention to Hoard Food and Help during Covid-19 Pandemic. MIMBAR. 38(1), 162-170. https://doi.org/10.29313/mimbar.v0i0.9270
- Sulaeman, S., & Ninglasari, S. Y. (2020). Analysing the behavioral intention factors in using zakatbased crowdfunding platform in Indonesia: A quantitative study. International Journal of Zakat, 5(3), 1–19. https://doi.org/https://doi.org/10.37706/ijaz.v5i3.267
- Thomas, T. D., Singh, L., & Gaffar, K. (2013). The utility of the UTAUT model in explaining mobile learning adoption in higher education in guyana. International Journal of Education and Development using Information and Communication Technology, 9(3), 71-87. https://www.proquest.com/scholarly-journals/utility-utaut-model-explaining-mobile-learning/docview/1491114969/se-2
- Wallace, E., Buil, I. & Chernatony, L. D. (2017). When does ‘liking’ a charity lead to donation behaviour? Exploring conspicuous donation behaviour on social media platforms. European Journal of Marketing, 51 Nos 11/12, 2002-2029. https://doi.org/10.1108/EJM-03-2017-0210
- Venkatesh, V., Morris, M. G, Davis, G. B, & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478. https://doi/org/10.2307/30036540
References
Abdullah, Z., Mohd Sharif, M. H., Saad, R. A. J., Mohd Ariff, A. H., Md Hussain, M. H. & Mohd Nasir, M. H. (2023). Zakat institutions’ adoption of social media, Journal of Islamic Accounting and Business Research, 14(8), 1261-1280. https://doi.org/10.1108/JIABR-01-2022-0013
Afandi, A., Sudarsono, H., Nugrohowati, R. N. I., & Tumewang, Y. K. (2023). The determinant of Indonesia enterpreneur’s intention to pay zakat: Does government support matter?, Global Review of Islamic Economics and Business, 10(2), 83-96. https://doi.org/10.14421/grieb.2022.101-08
Ahimsa, E. A., Sudarsono, H., Abdul Ghoni, M., & Affandi, M. T. (2023). Understanding muzaki adoption of digital zakat payments in Indonesia. Review of Islamic Social Finance and Entrepreneurship, 2(2), 182-193. https://doi.org/10.20885/RISFE.vol2.iss2.art7.
Ahn, J. -C., Sura, S. & An, J. -C. (2018). Intention to donate via social network sites (SNSs): A comparison study between Malaysian and South Korean users, Information Technology and People, 31(4), 910-926. https://doi.org/10.1108/itp-12-2015-0307
Aji, H. M., Albari, A., Muthohar, M., Sumadi, S., Sigit, M., Muslichah, I. & Hidayat, A. (2021). Investigating the determinants of online infaq intention during the Covid-19 pandemic: An insight from Indonesia, Journal of Islamic Accounting and Business Research, 12(1), 1-20. https://doi.org/10.1108/JIABR-05-2020-0136
Anggraini, Y. N., & Indrarini, R. (2022). Analisis pengaruh literasi zakat dan kepercayaan terhadap minat membayar zakat melalui zakat digital pada masyarakat di kabupaten Sidoarjo. Jurnal Ekonomika dan Bisnis Islam, 5(1), 54–66. https://doi.org/10.26740/jekobi.v5n1.p54-66
Arif, A., Nofrianto, M. N. R., & Fasa, M. I. (2023). The preference of Muslim young generation in using digital zakat payment: Evidence in Indonesia. Al-Uqud: Journal of Islamic Economics, 7(1), 1–16. https://doi.org/10.26740/aluqud.v7n1.p1-16
Badan Amil Zakat Nasional (2022). Laporan pengelolaan zakat nasional. Badan Amil Zakat Nasional. https://baznas.go.id/assets/images/szn/statistik_10.pdf
Cahyani, U. E., Sari, D. P, & Afandi, A. (2022). Determinant of behavioral intention to use digital zakat payment: The moderating role of knowledge of zakat. ZISWAF: Journal of Zakat and Waqf, 9(1), 1. https://doi.org/10.21043/ziswaf.v9i1.13330
Chen, Y., Dai, R., Yao, J. & Li, Y. (2019), Donate time or money? The determinants of donation intention in online crowdfunding. Sustainability. 11(16), 4269. https://doi.org/10.3390/su11164269
Farouk, A. U., Idris, K. B. M., & Saad, R. A. B. (2018). Moderating role of religiosity on zakat compliance behavior in Nigeria. International Journal of Islamic and Middle Eastern Finance and Management, 11(3), 357–373. https://doi.org/10.1108/IMEFM-05-2017-0122
Hair, J., Hollingsworth, C. L., Randolph, A. B., & Chong, A. Y. L. (2017). An updated and expanded assessment of PLS-SEM in information systems research. Industrial Management and Data Systems, 117(3), 442–458. https://doi.org/10.1108/IMDS-04-2016-0130
Herianingrum, S., Supriani, I., Sukmana, R., Effendie, E., Widiastuti, T., Fauzi, Q. & Shofawati, A. (2024). Zakat as an instrument of poverty reduction in Indonesia. Journal of Islamic Accounting and Business Research, 15(4), 643-660. https://doi.org/10.1108/JIABR-11-2021-0307
Kasri, R. A., & Sosianti, M. W. (2023). Determinants of the intention to pay zakat online: The case of Indonesia. Journal of Islamic Monetary Economics and Finance, 9(2), 275–294. https://doi.org/10.21098/jimf.v9i2.1664
Kasri, R. A. & Yuniar, A. M. (2021), Determinants of digital zakat payments: Lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362-379. https://doi.org/10.1108/JIABR-08-2020-0258
Kim, H. J., Lee, J. M., & Rha, J. Y. (2017). Understanding the role of user resistance on mobile learning usage among university students. Computers & Education, 113, 108–118. https://doi.org/10.1016/j.compedu.2017.05.015
Khechine, H., Lakhal, S., & Ndjambou, P. (2016). A meta-analysis of the UTAUT model: Eleven years later. Canadian Journal of Administrative Sciences, 33(2), 138–152. https://doi.org/https://doi.org/10.1002/CJAS.1381.
Lee, Y. K. & Chang, C. T. (2007). Intrinsic or extrinsic? Determinants affecting donation behaviors, International Journal of Educational Advancement, 8(1), 13-24. https://doi.org/10.1057/ijea.2008.2
Li, Y. Z., He, T. L., Song, Y. R., Yang, Z., & Zhou, R. T. (2018). Factors impacting donors’ intention to donate to charitable crowd-funding projects in China: A UTAUT-based model. Information Communication and Society, 21(3), 404–415. https://doi.org/10.1080/1369118X.2017.12825
Niswah, F. M., Mutmainah, L. & Legowati, D. A. (2019). Muslim millennial’s intention of donating for charity using fintech platform. Journal of Islamic Monetary Economics and Finance, 5(3), 623-644. https://doi.org/10.21098/jimf.v5i3.1080
Razzack, M. F., Santosa, P. B., Ardani, M. A., & Alfian,A. M. (2022). Analysis of the utilization of zakat, infaq, and sedekah during Covid-19 pandemic: CIBEST model approach. Review of Islamic Social Finance and Entrepreneurship, 1(1), 36-49. https://doi.org/10.20885/RISFE.vol1.iss1.art3
Santoso, A., Sudarsono, H., & Hawariyuni, W. (2024). Young Muslim generations and sadaqah through digital platforms: Do sadaqah literacy and religiosity matter? Review of Islamic Social Finance and Entrepreneurship, 3(1), 36-49. https://doi.org/10.20885/RISFE.vol3.iss1.art3
Sudarsono, H., Nugrohowati, R. N. I., & Tumewang, Y. K. (2021). The effect of zakat institution system and government support on intention to pay zakat: Knowledge as a moderating variable. EQUILIBRIUM: Jurnal Ekonomi Syariah, 9(2), 253-274. http://dx.doi.org/10.21043/equilibrium.v9i2.11605
Sudarsono, H., Supriani, I., & Perdana, A. R. A. (2022a). Do perceived zakat institutions and government support affect entrepreneurs’ intention to pay zakat?. Review of Islamic Social Finance and Entrepreneurship, 1(2), 85–96. https://doi.org/10.20885/RISFE.vol1.iss2.art1
Sudarsono, H., Ikawati, R., & Nugrohowati, R. N. I. (2022b). The Intention to Hoard Food and Help during Covid-19 Pandemic. MIMBAR. 38(1), 162-170. https://doi.org/10.29313/mimbar.v0i0.9270
Sulaeman, S., & Ninglasari, S. Y. (2020). Analysing the behavioral intention factors in using zakatbased crowdfunding platform in Indonesia: A quantitative study. International Journal of Zakat, 5(3), 1–19. https://doi.org/https://doi.org/10.37706/ijaz.v5i3.267
Thomas, T. D., Singh, L., & Gaffar, K. (2013). The utility of the UTAUT model in explaining mobile learning adoption in higher education in guyana. International Journal of Education and Development using Information and Communication Technology, 9(3), 71-87. https://www.proquest.com/scholarly-journals/utility-utaut-model-explaining-mobile-learning/docview/1491114969/se-2
Wallace, E., Buil, I. & Chernatony, L. D. (2017). When does ‘liking’ a charity lead to donation behaviour? Exploring conspicuous donation behaviour on social media platforms. European Journal of Marketing, 51 Nos 11/12, 2002-2029. https://doi.org/10.1108/EJM-03-2017-0210
Venkatesh, V., Morris, M. G, Davis, G. B, & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478. https://doi/org/10.2307/30036540