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Abstract
Introduction
Indonesia has the largest Muslim population in the world and a large potential for zakat, infaq, and sadaqah (ZIS). However, in reality, ZIS revenue is only 5% of its potential. Crowdfunding was built to encourage the acceptance of ZIS to reach its potential by using only gadgets connected to the Internet. However, not all individuals are willing to use crowdfunding because of their individual considerations and preferences.
Objectives
This study aims to identify the decision preferences of muzakki and donors to pay zakat, infaq, and alms using a crowdfunding platform.
Method
This study uses quantitative methods with PLS-SEM analysis tools with preference measurements using the Technology Acceptance Model and social presence theory framework.
Results
The results of this study indicate that perceived usefulness, perceived ease of use, social presence, and trust have a significant positive effect on the preference decision to pay ZIS with crowdfunding. The trust variable also significantly mediates the relationship between social presence and the decision to pay ZIS through crowdfunding.
Implications
This research is expected to be a consideration for zakat management organizations (OPZ) for the development of a better platform to encourage community participation in channel funds to pay ZIS.
Originality/Novelty
This study is unique in its approach to crowdfunding in Indonesia’s ZIS context. It contributes to the body of knowledge on the maximization of ZIS potential in Muslim societies.
Keywords
Article Details
Copyright (c) 2023 Defrina Aulia, Laila Masruro Pimada
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References
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Antonio, M. S., Laela, S. F., Mukhlas, D., & Ghifari, A. (2020). Optimizing zakat collection in the digital era : Muzakki ’ s perception. Jurnal Dinamika Akuntansi dan Bisnis, 7(2), 235–254. https://doi.org/10.24815/jdab.v7i2.16597
Aristiana, M. (2019). The factors that influence people interest in using a digital platform as a ZIS payment (Case study Go-Pay). International Conference of Zakat, 2017, 50–59. https://doi.org/10.37706/iconz.2019.156
Astuti, W., & Prijanto, B. (2021). Faktor yang memengaruhi minat muzaki dalam membayar zakat melalui Kitabisa.com: Pendekatan Technology Acceptance Model dan Theory of Planned Behavior [Factors that influence muzaki's interest in paying zakat through Kitabisa.com: Technology Acceptance Model and Theory of Planned Behavior Approach]. Al-Muzara’Ah, 9(1), 21–44. https://doi.org/10.29244/jam.9.1.21-44
Baga, L. M., & Purnaningsih, N. (2020). Penghimpunan dana zakat infak sedekah berdasarkan intensi perilaku Muslim Gen Y dalam penggunaan teknologi digital [Payment collection of zakat infaq shodaqoh funds based on the intentions of Gen Y Muslim behavior in using digital payment technology]. Al-Muzara'ah, 8(2), 95–108. https://doi.org/10.29244/jam.8.2.95-108
Catur, P., & Lestari, A. (2022). Crowdfunding donation based di masa pandemi Covid-19 : Analisis faktor berpengaruh pada minat pengguna fintech [Donation based crowdfunding during the Covid-19 pandemic: Analysis of influencing factors on fintech user interest]. Jurnal Pendidikan Ekonomi, 16(2), 173–180. https://doi.org/10.19184/jpe.v16i2.33754
Chen, Y., Dai, R., Yao, J., & Li, Y. (2019). Donate time or money? The determinants of donation intention in online crowdfunding. Sustainability (Switzerland), 11(16). https://doi.org/10.3390/su11164269
Daulay, A. H., & Lubis, I. (2015). Analisis faktor-faktor penyebab keenganan masyarakat membayar zakat melalui instansi BAZIS/LAZ di Kota Medan (Studi kasus : Masyarakat Kecamatan Medan Tembung) [Analysis of the factors causing people's reluctance to pay zakat through BAZIS/LAZ agencies in Medan City (Case study: Medan Tembung District Community)]. Jurnal Ekonomi Dan Keuangan, 3(38), 107–118. https://jurnal.usu.ac.id/index.php/edk/article/view/11747
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Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51–90. https://doi.org/10.2307/30036519
Gunawan, F., Ali, M. M., & Nugroho, A. (2019). Analysis of the effects of perceived ease of use and perceived usefulness on consumer attitude and their impacts on purchase decision on PT Tokopedia in Jabodetabek. European Journal of Business and Management Research, 4(5), 1–6. https://doi.org/10.24018/ejbmr.2019.4.5.100
Gvili, Y., & Levy, S. (2016). Antecedents of attitudes toward eWOM communication : differences across channels. Internet Research, 26(5), 1030-1051. https://doi.org/10.1108/IntR-08-2014-0201
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate Data Analysis. Pearson.
Hakim, I. (2016). Diversifikasi penghasilan kontemporer sebagai alternatif sumber dana zakat [Contemporary income diversification as an alternative source of zakat funds]. Falah: Jurnal Ekonomi Syariah, 1(1), 103-112. https://doi.org/10.22219/jes.v1i1.2701
Hemer, J. (2011). A snapshot on crowdfunding. Working Papers "Firms and Region" R2/2011, Fraunhofer Institute for Systems and Innovation Research (ISI). https://www.isi.fraunhofer.de/content/dam/isi/dokumente/ccp/unternehmen-region/2011/ap_r2_2011.pdf
Hossain, M., & Oparaocha, G. O. (2017). Crowdfunding: Motives, definitions, typology and ethical challenges. Entrepreneurship Research Journal, 7(2), 1-14. https://doi.org/10.1515/erj-2015-0045
Hou, T., Hou, K., Wang, X., & Luo, X. (Robert). (2021). Why I give money to unknown people? An investigation of online donation and forwarding intention. Electronic Commerce Research and Applications, 47(April), 101055. https://doi.org/10.1016/j.elerap.2021.101055
Husin, M. M., Haron, R., & Aziz, S. (2019). Adoption of financial technology in Islamic crowd-funding: Predicting small and medium-sized enterprises’ intention to use the investment account platform. In N. Naifar (Ed.) Impact of financial technology (FinTech) on Islamic finance and financial stability. (pp. 12-35). IGI Global. https://doi.org/10.4018/978-1-7998-0039-2.ch002
Kailani, N., & Slama, M. (2020). Accelerating Islamic charities in Indonesia : Zakat , sedekah and the immediacy of social media. South East Asia Research, 28(1), 70–86. https://doi.org/10.1080/0967828X.2019.1691939
Baskoro, B. D. & Karmanto, G. D. (2020). Intensi masyarakat dalam menyalurkan zakat, infaq, dan shadaqah (ZIS) melalui penggunaan platform crowdfunding [Community intentions in distributing zakat, infaq and shadaqah (ZIS) through the use of crowdfunding platforms]. Point Jurnal Ekonomi dan Manajemen, 2(2), 95–109. https://doi.org/10.46918/point.v2i2.748
Kurniaputri, M. R., Dwihapsari, R., Huda, N., & Rini, N. (2020). Intensi perilaku dan religiusitas Generasi Millenials terhadap keputusan pembayaran ZIS melalui platform digital [Behavioral intentions and religiosity of the Millennial Generation regarding ZIS payment decisions via digital platforms]. Eqien: Jurnal Ekonomi Dan Bisnis, 7(2), 15–22. https://doi.org/10.34308/eqien.v7i2.134
Lamb, C. W., Hair, J. F., & McDaniel, C. (2001). Pemasaran (Edisi pertama). Salemba Empat.
Liu, C., Bao, Z., & Zheng, C. (2019). Exploring consumers’ purchase intention in social commerce: An empirical study based on trust, argument quality, and social presence. Asia Pacific Journal of Marketing and Logistics, 31(2), 378–397. https://doi.org/10.1108/APJML-05-2018-0170
Lu, B., Fan, W., & Zhou, M. (2016a). Social presence, trust, and social commerce purchase intention: An empirical research. Computers in Human Behavior, 56, 225–237. https://doi.org/10.1016/j.chb.2015.11.057
Marzban, S. & Asutay, M. (2014). Shariah-compliant crowd funding: An efficient framework for entrepreneurship development in Islamic countries. Harvard Islamic Finance Forum. https://doi.org/10.13140/RG.2.1.2696.1760
Misissaifi, M., & Sriyana, J. (2021). Faktor-faktor yang mempengaruhi minat menggunakan fintech syariah [Factors that influence interest in using sharia fintech]. Iqtishaduna, 10(1), 109–124. https://doi.org/10.46367/iqtishaduna.v10i1.276
Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20–38. https://doi.org/10.2307/1252308
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Pongpaew, W., Speece, M., & Tiangsoongnern, L. (2017). Social presence and customer brand engagement on Facebook brand pages. Journal of Product & Brand Management, 26(3), 262–281. https://doi.org/10.1108/JPBM-08-2015-0956
Robiady, N. D., Windasari, N. A., & Nita, A. (2021). Customer engagement in online social crowdfunding : The in fl uence of storytelling technique on donation performance. International Journal of Research in Marketing, 38(2), 492–500. https://doi.org/10.1016/j.ijresmar.2020.03.001
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References
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
Antonio, M. S., Laela, S. F., Mukhlas, D., & Ghifari, A. (2020). Optimizing zakat collection in the digital era : Muzakki ’ s perception. Jurnal Dinamika Akuntansi dan Bisnis, 7(2), 235–254. https://doi.org/10.24815/jdab.v7i2.16597
Aristiana, M. (2019). The factors that influence people interest in using a digital platform as a ZIS payment (Case study Go-Pay). International Conference of Zakat, 2017, 50–59. https://doi.org/10.37706/iconz.2019.156
Astuti, W., & Prijanto, B. (2021). Faktor yang memengaruhi minat muzaki dalam membayar zakat melalui Kitabisa.com: Pendekatan Technology Acceptance Model dan Theory of Planned Behavior [Factors that influence muzaki's interest in paying zakat through Kitabisa.com: Technology Acceptance Model and Theory of Planned Behavior Approach]. Al-Muzara’Ah, 9(1), 21–44. https://doi.org/10.29244/jam.9.1.21-44
Baga, L. M., & Purnaningsih, N. (2020). Penghimpunan dana zakat infak sedekah berdasarkan intensi perilaku Muslim Gen Y dalam penggunaan teknologi digital [Payment collection of zakat infaq shodaqoh funds based on the intentions of Gen Y Muslim behavior in using digital payment technology]. Al-Muzara'ah, 8(2), 95–108. https://doi.org/10.29244/jam.8.2.95-108
Catur, P., & Lestari, A. (2022). Crowdfunding donation based di masa pandemi Covid-19 : Analisis faktor berpengaruh pada minat pengguna fintech [Donation based crowdfunding during the Covid-19 pandemic: Analysis of influencing factors on fintech user interest]. Jurnal Pendidikan Ekonomi, 16(2), 173–180. https://doi.org/10.19184/jpe.v16i2.33754
Chen, Y., Dai, R., Yao, J., & Li, Y. (2019). Donate time or money? The determinants of donation intention in online crowdfunding. Sustainability (Switzerland), 11(16). https://doi.org/10.3390/su11164269
Daulay, A. H., & Lubis, I. (2015). Analisis faktor-faktor penyebab keenganan masyarakat membayar zakat melalui instansi BAZIS/LAZ di Kota Medan (Studi kasus : Masyarakat Kecamatan Medan Tembung) [Analysis of the factors causing people's reluctance to pay zakat through BAZIS/LAZ agencies in Medan City (Case study: Medan Tembung District Community)]. Jurnal Ekonomi Dan Keuangan, 3(38), 107–118. https://jurnal.usu.ac.id/index.php/edk/article/view/11747
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
Firmansyah. (2013). Zakat sebagai instrumen pengentasan kemiskinan dan kesenjangan pendapatan [Zakat as an instrument for alleviating poverty and income inequality]. Jurnal Ekonomi Dan Pembangunan, 21(2), 179–190. https://jurnalekonomi.lipi.go.id/JEP/article/view/66/26
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51–90. https://doi.org/10.2307/30036519
Gunawan, F., Ali, M. M., & Nugroho, A. (2019). Analysis of the effects of perceived ease of use and perceived usefulness on consumer attitude and their impacts on purchase decision on PT Tokopedia in Jabodetabek. European Journal of Business and Management Research, 4(5), 1–6. https://doi.org/10.24018/ejbmr.2019.4.5.100
Gvili, Y., & Levy, S. (2016). Antecedents of attitudes toward eWOM communication : differences across channels. Internet Research, 26(5), 1030-1051. https://doi.org/10.1108/IntR-08-2014-0201
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate Data Analysis. Pearson.
Hakim, I. (2016). Diversifikasi penghasilan kontemporer sebagai alternatif sumber dana zakat [Contemporary income diversification as an alternative source of zakat funds]. Falah: Jurnal Ekonomi Syariah, 1(1), 103-112. https://doi.org/10.22219/jes.v1i1.2701
Hemer, J. (2011). A snapshot on crowdfunding. Working Papers "Firms and Region" R2/2011, Fraunhofer Institute for Systems and Innovation Research (ISI). https://www.isi.fraunhofer.de/content/dam/isi/dokumente/ccp/unternehmen-region/2011/ap_r2_2011.pdf
Hossain, M., & Oparaocha, G. O. (2017). Crowdfunding: Motives, definitions, typology and ethical challenges. Entrepreneurship Research Journal, 7(2), 1-14. https://doi.org/10.1515/erj-2015-0045
Hou, T., Hou, K., Wang, X., & Luo, X. (Robert). (2021). Why I give money to unknown people? An investigation of online donation and forwarding intention. Electronic Commerce Research and Applications, 47(April), 101055. https://doi.org/10.1016/j.elerap.2021.101055
Husin, M. M., Haron, R., & Aziz, S. (2019). Adoption of financial technology in Islamic crowd-funding: Predicting small and medium-sized enterprises’ intention to use the investment account platform. In N. Naifar (Ed.) Impact of financial technology (FinTech) on Islamic finance and financial stability. (pp. 12-35). IGI Global. https://doi.org/10.4018/978-1-7998-0039-2.ch002
Kailani, N., & Slama, M. (2020). Accelerating Islamic charities in Indonesia : Zakat , sedekah and the immediacy of social media. South East Asia Research, 28(1), 70–86. https://doi.org/10.1080/0967828X.2019.1691939
Baskoro, B. D. & Karmanto, G. D. (2020). Intensi masyarakat dalam menyalurkan zakat, infaq, dan shadaqah (ZIS) melalui penggunaan platform crowdfunding [Community intentions in distributing zakat, infaq and shadaqah (ZIS) through the use of crowdfunding platforms]. Point Jurnal Ekonomi dan Manajemen, 2(2), 95–109. https://doi.org/10.46918/point.v2i2.748
Kurniaputri, M. R., Dwihapsari, R., Huda, N., & Rini, N. (2020). Intensi perilaku dan religiusitas Generasi Millenials terhadap keputusan pembayaran ZIS melalui platform digital [Behavioral intentions and religiosity of the Millennial Generation regarding ZIS payment decisions via digital platforms]. Eqien: Jurnal Ekonomi Dan Bisnis, 7(2), 15–22. https://doi.org/10.34308/eqien.v7i2.134
Lamb, C. W., Hair, J. F., & McDaniel, C. (2001). Pemasaran (Edisi pertama). Salemba Empat.
Liu, C., Bao, Z., & Zheng, C. (2019). Exploring consumers’ purchase intention in social commerce: An empirical study based on trust, argument quality, and social presence. Asia Pacific Journal of Marketing and Logistics, 31(2), 378–397. https://doi.org/10.1108/APJML-05-2018-0170
Lu, B., Fan, W., & Zhou, M. (2016a). Social presence, trust, and social commerce purchase intention: An empirical research. Computers in Human Behavior, 56, 225–237. https://doi.org/10.1016/j.chb.2015.11.057
Marzban, S. & Asutay, M. (2014). Shariah-compliant crowd funding: An efficient framework for entrepreneurship development in Islamic countries. Harvard Islamic Finance Forum. https://doi.org/10.13140/RG.2.1.2696.1760
Misissaifi, M., & Sriyana, J. (2021). Faktor-faktor yang mempengaruhi minat menggunakan fintech syariah [Factors that influence interest in using sharia fintech]. Iqtishaduna, 10(1), 109–124. https://doi.org/10.46367/iqtishaduna.v10i1.276
Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20–38. https://doi.org/10.2307/1252308
Noviyanti, A., & Erawati, T. (2021). Pengaruh persepsi kemudahan, kepercayaan dan efektivitas terhadap minat menggunakan financial technology (Fintech) (Studi kasus: UMKM di Kabupaten Bantul) [The influence of perceived ease, trust and effectiveness on interest in using financial technology (Fintech) (Case study: MSMEs in Bantul Regency)]. Jurnal Ilmiah Akuntansi Dan Finansial Indonesia, 4(2), 65–74. https://doi.org/10.31629/jiafi.v4i2.3253
Nugroho, A. Y., & Rachmaniyah, F. (2019). Fenomena perkembangan crowdfunding di Indonesia [The phenomenon of crowdfunding development in Indonesia]. Ekonika : Jurnal Ekonomi Universitas Kadiri, 4(1), 34-46. https://doi.org/10.30737/ekonika.v4i1.254
Nurhasanah, S., & Suryani. (2018). Maksimalisasi potensi zakat melalui peningkatan kesadaran masyarakat [Maximizing the potential of zakat through increasing public awareness]. JEBI (Jurnal Ekonomi Dan Bisnis Islam), 3(2), 185-194. https://doi.org/10.15548/jebi.v3i2.177
Nuryahya, E., Mahri, A. J. W., & Nurasyiah, A. (2019). Influencing factors of muzaki use and receive zakat payment platform. International Conference of Zakat, 203–215. https://doi.org/10.37706/iconz.2019.176
Badan Amil Zakat Nasional. (2018). Outlook zakat Indonesia 2019. Pusat Kajian Strategis – Badan Amil Zakat Nasional. https://www.puskasbaznas.com/publications/books/885-outlook-zakat-indonesia-2019
Badan Amil Zakat Nasional. (2020). Outlook zakat Indonesia 2021. Pusat Kajian Strategis – Badan Amil Zakat Nasional. https://www.puskasbaznas.com/publications/books/1418-outlook-zakat-indonesia-2021
Pindyck, R. S., & Rubinfeld, D. L. (2009). Mikroekonomi [Microeconomics] (Edisi keenam). PT Indeks.
Pongpaew, W., Speece, M., & Tiangsoongnern, L. (2017). Social presence and customer brand engagement on Facebook brand pages. Journal of Product & Brand Management, 26(3), 262–281. https://doi.org/10.1108/JPBM-08-2015-0956
Robiady, N. D., Windasari, N. A., & Nita, A. (2021). Customer engagement in online social crowdfunding : The in fl uence of storytelling technique on donation performance. International Journal of Research in Marketing, 38(2), 492–500. https://doi.org/10.1016/j.ijresmar.2020.03.001
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