Article Sidebar

Why do people pay zakah, infaq, and sadaqah (ZIS) through donation-based crowdfunding The influence of Technology Acceptance Model and Social Presence Theory
Submitted
March 14, 2023
Accepted
June 26, 2023
Published
September 29, 2023
Download
PDF Review Reports Originality Report
Statistic
Read Counter : 97 Download : 35

Main Article Content

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

donation-based crowdfunding Social Presence Theory Technology Acceptance Model Zakah, Infaq, and Sadaqah

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Crossref
Scopus
Google Scholar
Europe PMC

References

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

  11. 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

  12. 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

  13. 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

  14. Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate Data Analysis. Pearson.

  15. 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

  16. 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

  17. 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

  18. 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

  19. 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

  20. 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

  21. 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

  22. 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

  23. Lamb, C. W., Hair, J. F., & McDaniel, C. (2001). Pemasaran (Edisi pertama). Salemba Empat.

  24. 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

  25. 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

  26. 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

  27. 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

  28. 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

  29. 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

  30. 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

  31. 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

  32. 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

  33. 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

  34. 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

  35. Pindyck, R. S., & Rubinfeld, D. L. (2009). Mikroekonomi [Microeconomics] (Edisi keenam). PT Indeks.

  36. 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

  37. 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

  38. Sakti, A. (2007). Ekonomi Islam: Jawaban atas kekacauan ekonomi modern [Islamic economics: The answer to modern economic chaos]. Paradigma & Aqsa Publishing.

  39. Salim, M., Kassim, S., & Thaker, M. A. M. T. (2021). Factors influencing the acceptance of Islamic crowdfunding in Malaysia : A study of youth entrepreneurs. 15(3), 443–475. http://hdl.handle.net/10419/246067

  40. Sianadewi, J. H., Widyarini, L. A., & Wibowo, W. (2017). Pengaruh perceived social presence , perceived ease of use, perceived usefulness, dan attitude towards online shopping terhadap niat beli pada JakartaNotebook.Com [The influence of perceived social presence, perceived ease of use, perceived usefulness, and attitude towards online shopping on purchase intentions on JakartaNotebook.Com]. Kajian Ilmiah Mahasiswa Manajemen, 6(2), 104–115. http://jurnal.wima.ac.id/index.php/KAMMA/article/view/1778

  41. Sumar’in. (2013). Ekonomi Islam : Sebuah pendekatan ekonomi mikro perspektif Islam [Islamic Economics: An Islamic perspective microeconomic approach]. Graha Ilmu.

  42. Usman, H. (2015). Customers trust on Islamic banks in Indonesia. The Journal of Asian Finance, Economics and Business, 2(1), 5–13. https://doi.org/10.13106/jafeb.2015.vol2.no1.5.

  43. Usman, H., Mulia, D., Chairy, C., & Widowati, N. (2020). Integrating trust, religiosity and image into technology acceptance model: the case of the Islamic philanthropy in Indonesia. Journal of Islamic Marketing, 13(2), 381-409. https://doi.org/10.1108/JIMA-01-2020-0020

  44. Van Der Heijden, H. (2004). User acceptance of hedonic information systems. MIS Quarterly, 28(4), 695–704. https://doi.org/10.2307/25148660

  45. Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926

  46. Widiastuti, T., Wisudanto, Rusgianto, S., Zaki, I., Herianingrum, S., Al-Faizin, A. W., & Sugondo, S. I. (2019). Handbook zakat [Handbook of zakat]. Pusat Penerbitan Percetakan Universitas Airlangga.

  47. Widuri, A. F., Rahmi, D., & Riani, W. (2021). Faktor-faktor yang menentukan preferensi muzakki dan donatur dalam membayar zakat, infak, dan sedekah melalui ZIS digital di Kota Bandung Kerangka Technology Acceptance Model (TAM) [Factors that determine the preferences of muzakki and donors in paying zakat, infaq and alms through digital ZIS in Bandung City Technology Acceptance Model (TAM) Framework]. Prosiding Ilmu Ekonomi, 6(2), 115–122. http://repository.unisba.ac.id/handle/123456789/29566

  48. Wulandari, T. R., Saktiawan, B., & Ahmad, D. (2021). Can Islamic crowdfunding support Indonesian Islamic Economic Masterplan? Sebelas Maret Business Review, 6(1), 57–67. https://doi.org/10.20961/smbr.v6i1.55839