Main Article Content

Abstract

Objective – This study aimed to analyze the factors influencing the intention of the young Muslim generation to pay sadaqah through digital platforms.
Research methods – This study modifies the Unified Theory of Acceptance and Use of Technology (UTAUT) by adding sadaqah literacy and religiosity as constructs of the model. The respondents were 108 young Muslims who had paid sadaqah through a digital platform at BSI Maslahah.
Findings – The results show that sadaqah literacy, performance expectations, and religiosity have a significant influence on the intention of the young Muslim generation to use digital sadaqah payments through BSI Maslahat. However, business expectations, social influence, and facilitating conditions have no effect on this intention. These findings emphasize that sadaqah literacy and religiosity are important in determining the decision of the young Muslim generation to pay sadaqah using digital platforms.
Implications – Sadaqah literacy and religiosity have been proven to influence the intention of the young Muslim generation to pay for digital sadaqah at BSI Maslahah. Therefore, efforts to increase literacy need to be made by providing information about sadaqah. In addition, the BSI Maslahat needs to increase the religiosity of the young Muslim generation by collaborating with related institutions.
Originality – Research on the intention of the younger generation of Muslims to pay sadaqah digitally has not been carried out much by previous research. Apart from that, there has been no similar research focusing on the influence of sadaqah and religious literacy on the intention of the young Muslim generation to pay digital sadaqah at BSI Maslahah.

Keywords

sadaqah literacy religiousitas BSI Maslahat UTAUT

Article Details

Author Biography

Heri Sudarsono, Department of Economics, Faculty of Business and Economics, Universitas Islam Indonesia, Yogyakarta, Indonesia

SCOPUS: https://www.scopus.com/authid/detail.uri?authorId=57216744648

Google Scholar: https://scholar.google.com/citations?hl=en&user=h_NIZz0AAAAJ

How to Cite
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

References

  1. 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
  2. Ahmad, N., Tarmidi, M., Ridzwan, I., Hamid, M., & Roni, R. (2014). The application of unified theory of acceptance and use of technology (UTAUT) for predicting the a usage of e-zakat online system. International Journal of Science and Research, 3(4), 63–67. https://www.ijsr.net/archive/v3i4/MDIwMTMxNDIx.pdf
  3. 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
  4. Alam, S., Mohd, R., & Hisham, B. (2011). Is religiosity an important determinant on Muslim consumer behaviour in Malaysia? Journal of Islamic Marketing, 2(1), 83–96. https://doi.org/10.1108/17590831111115268
  5. Alfyani, V., Harahap, D., & Napitupulu, R. (2021). Tingkat kesadaran generasi milenial bersedekah melalui Kitabisa.com. JISFIM: Journal of Islamic Social Finance Management, 2(2), 262-283. https://jurnal.iain-padangsidimpuan.ac.id/index.php/JISFIM/article/view/5019/3291
  6. Aristyanto, E., & Edi, A. (2022). Pengaruh religiusitas dan kualitas layanan terhadap minat dan keputusan masyarakat membayar zakat melalui platform digital pada yayasan pengelola zakat di Surabaya. Proseding Seminar Nasional Teknologi Dan Multidisiplin Ilmu (SEMNASTEKMU), 2(2), 186 -202. https://doi.org/10.51903/semnastekmu.v2i1.169
  7. BAZNAS. (2021, December 30). Pengumpulan BAZNAS pusat 2021, tumbuh 33 persen. Badan Amil Zakat Nasional. https://baznas.go.id/Press_Release/baca/Pengumpulan_BAZNAS_Pusat_2021_Tumbuh_33_Persen/950
  8. Bin-Nashwan, S., Abdul-Jabbar, H., & Aziz, S. (2021). Apakah kepercayaan terhadap lembaga zakat meningkatkan kepatuhan zakat pengusaha? Jurnal Penelitian Akuntansi dan Bisnis Islam, 12(5), 768–790. https://doi.org/https://doi.org/10.1108/JIABR-09-2020-0282
  9. 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: Jurnal Zakat dan Wakaf, 9(1), 1. https://doi.org/10.21043/ziswaf.v9i1.13330
  10. Chetioui, Y., Satt, H., Lebdaoui, H., Baijou, M., Dassouli, S. & Katona, S. (2023). Antecedents of giving charitable donations (Sadaqah) during the Covid-19 pandemic: does Islamic religiosity matter?, Journal of Islamic Marketing, 14(5), 1169-1187. https://doi-org.ezproxy.ugm.ac.id/10.1108/JIMA-09-2021-0296
  11. Chin, W. W. (1998). The partial least squares approach for structural equation modeling. In G. A. Marcoulides (Ed.), Modern methods for business research (pp. 295–336). Lawrence Erlbaum Associates Publishers.
  12. Data Indonesia (2024). Perkembangan beberapa layanan keuangan digital di Indonesia (2019-2025). Data Indonesia. https://dataindonesia.id/ekonomi-digital/detail/ikuti-survei-dataindonesiaid-soal-fintech-di-indonesia
  13. Faridho, M. Al, & Rini, D. W. S. (2019). Pengaruh persepsi dan religiusitas masyarakat terhadap sikap dan minat sedekah menggunakan pembayaran non tunai. J-PIPS; Jurnal Pendidikan Ilmu Pengetahuan Sosial, 6(1), 40. https://doi.org/10.18860/jpips.v6i1.7830
  14. Ghozali, I. (2006). Structure equation modeling metode alternatif dengan partial least square. Badan Penerbit Universitas Diponegoro.
  15. Hau, H., Nhung, D., & Trang, P. (2021). An empirical analysis of factors a ecting the intention of using digital wallets in Vietnam. Journal of International Economics and Management, 21(1), 86–107. https://doi.org/10.38203/jiem.021.1.0024
  16. Hudaefi, F.A., Hassan, M.K. & Abduh, M. (2023), Exploring the development of Islamic fintech ecosystem in Indonesia: A text analytics, Qualitative Research in Financial Markets, 15(3), 514-533. https://doi.org/10.1108/QRFM-04-2022-0058
  17. Indarningsih, N.A., Ma’wa, M. A. F., & Waliyuddinsyah, M. N. (2023). Zakat, infaq, sadaqah, and waqf using financial technology: Millennial generation perspective. Review of Islamic Social Finance and Entrepreneurship, 2(1), 13–28. https://doi.org/10.20885/RISFE.vol2.iss1.art2
  18. Irawati, N., & Fitriyani, E. (2022). Faktor-faktor yang memengaruhi minat sedekah non tunai. Journal of Islamic Economics and Finance Studies, 3(2), 179. https://doi.org/10.47700/jiefes.v3i2.4779
  19. Izzati, B. (2020). Analysis of customer behavior in mobile food ordering application using UTAUT Model (Case study: GoFood application). International Journal of Innovation in Enterprise System, 4(1), 23-34. https://doi.org/https://doi.org/10.25124/ijies.v4i01.45
  20. Johnson, B. R., Jang, S. J., Larson, D. B., & De Li, S. (2001). Does adolescent religious commitment matter? A reexamination of the effects of religiosity on delinquency. Journal of Research in Crime and Delinquency, 38(1), 22–44. https://doi.org/10.1177/0022427801038001002
  21. 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
  22. Kasri, R.A. and Indriani, E. (2022), Empathy or perceived credibility? An empirical study of Muslim donating behaviour through online charitable crowdfunding in Indonesia, International Journal of Islamic and Middle Eastern Finance and Management, 15(5), 829-846. https://doi.org/10.1108/IMEFM-09-2020-0468
  23. 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
  24. Kurniaputri, M., Dwihapsari, R., Huda, N., & Rini, N. (2020). Intensi perilaku dan religiusitas generasi millenials terhadap keputusan pembayaran ZIS melalui platform digital. Jurnal ekonomi dan bisnis, 7(2), 15–22. https://doi.org/https://doi.org/10.34308/eqien.v7i2.134
  25. Kusuma, H., & Asmoro, W. K. (2020). Perkembangan financial technologi (FinTech) berdasarkan perspektif ekonomi Islam. Istithmar, 4(2). https://doi.org/10.30762/istithmar.v4i2.14
  26. Laznas PYI Yatim & Zakat. (2023). Sedekah online: Transformasi donasi di era digital. Laznas. https://pantiyatim.or.id/sedekah-online-transformasi-donasi-di-era-digital/
  27. 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.2017.128253
  28. Maharani, Y. (2021). Minat generasi Z menggunakan kembali transaksi mobile payment: pendekatan model UTAUT 2. Jurnal Akuntansi dan Bisnis: Jurnal Program Studi Akuntansi, 7(2), 140–154. https://doi.org/10.31289/jab.v7i2.5641
  29. Mahri, A., Nuryahya, E., & Nurasyiah, A. (2019). Influencing factors of muzaki use and receive zakat payment platform. International Conference of Zakat (ICONZ) Proceedings, 3, 203–215. https://doi.org/https://doi.org/10.37706/iconz.2019.176
  30. Mokhlis, S. (2009). Relevancy and measurement of religiosity in consumer behavior research. International Business Research, 2(3). https://doi.org/10.5539/ibr.v2n3p75
  31. Mukhtar, A., & Butt, M. M. (2012). Intention to choose halal products: The role of religiosity. Journal of Islamic Marketing, 3(2), 108–120. https://doi.org/10.1108/17590831211232519
  32. Muryanto, Y.T., Kharisma, D.B. & Ciptorukmi Nugraheni, A.S. (2022), Prospects and challenges of Islamic fintech in Indonesia: A legal viewpoint, International Journal of Law and Management, 64(2), 239-252. https://doi.org/10.1108/IJLMA-07-2021-0162
  33. Musahidah, U., & Sobari, N. (2021). Determinants of the intentions of Indonesian Muslim millennials in cash waqf using e-payment. Jurnal Ekonomi dan Perbankan Syariah, 9(2), 65–91. https://doi.org/10.46899/jeps.v9i2.284
  34. Mustaqim, R. N., Kusyanti, A., & Aryadita, H. (2017). Analisis faktor-faktor yang memengaruhi niat penggunaan e-commerce XYZ menggunakan model UTAUT (Unified theory acceptance and use of technology). Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer, 2(7), 2584–2593. https://j-ptiik.ub.ac.id/index.php/j-ptiik/article/view/1653
  35. Nurjannah. (2023). Trend sedekah generasi millennial melalui dompet digital. Al-iqtishad: Jurnal Ekonomi, 15(1), 176-191. https://doi.org/10.30863/aliqtishad.v15i1.4221
  36. Oktavendi, T.W. & Mu'ammal, I. (2022), Acceptance model for predicting adoption of Zakat, Infaq, and Sodaqoh (ZIS) digital payments in Generation Z, Journal of Islamic Accounting and Business Research, 13(4), 684-700. https://doi.org/10.1108/JIABR-09-2021-0267
  37. P, T., & Manohar, H. (2021). How a doer persuade a donor? Investigating the moderating effects of behavioral biases in donor acceptance of donation crowdfunding. Journal of Research in Interactive Marketing, 15(2), 243–266. https://doi.org/10.1108/JRIM-06-2019-0097
  38. Patil P, Tamilmani K, Rana NP et al (2020) Understanding consumer adoption of mobile payment in India: extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management. 54, 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144
  39. Pernando, A. (2023, March 21). Survei Dataindonesia.id: Penetrasi Fintech semakin dalam. Finansial Bisnis. https://finansial.bisnis.com/read/20230321/563/1639419/survei-dataindonesiaid-penetrasi-fintech-semakin-dalam
  40. Purwanto, P., Sulthon, M., & Wafirah, M. (2021). Behavior intention to use online zakat: Application of technology acceptance model with development. Ziswaf: Jurnal Zakat dan Wakaf, 8(1), 44–60. http://dx.doi.org/10.21043/ziswaf.v8i1.10457
  41. Rahardjo, B., Akbar, B. M. B., & Novitaningtyas, I. (2020). The analysis of intention and use of financial technology. Journal of Accounting and Strategic Finance, 3(1), 88–102. https://doi.org/10.33005/jasf.v3i1.70
  42. Raman, A., Don, Y., Khalid, R., Hussin, F., Omar, M. S., & Ghani, M. (2014). Technology acceptance on smart board among teachers in Terengganu using UTAUT model. Asian Social Science, 10(11), 84–91. https://doi.org/10.5539/ass.v10n11p84
  43. Raman, R., & Menon, P. (2018). Using social media for innovation – market segmentation of family firms. International Journal of Innovation Science. https://doi.org/10.1108/IJIS-08-2017-0078
  44. Rismantari, L. (2020). Pengaruh faktor religiusitas, pendapatan, pengetahuan, dan pelayanan terhadap keputusan muzakki dalam membayar zakat melalui badan amil zakat nasional (BAZNAS) kota Kediri. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 8(2). https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/6738/5835
  45. Safitri, D., & Hapsari, M. (2022). Pengaruh pengetahuan investasi dan literasi keuangan terhadap minat investasi mahasiswa non FEBI UIN Sayyid Ali Rahmatullah Tulungagung Angkatan 2018. YUME: Journal of Management, 5(2), 267–276. https://doi.org/10.37531/yume.vxix.3456
  46. Samsudeen, S., Selvaratnam, G., & Hayathu Mohamed, A. (2022). Intention to use mobile banking services: An Islamic banking customers’ perspective from Sri Lanka. Journal of Islamic Marketing, 13(2), 410–433. https://doi.org/https://doi.org/10.1108/JIMA-05-2019-0108
  47. Sasongko, A. (2019, April 8). Memperkuat literasi zakat. Republika. https://khazanah.republika.co.id/berita/ppmxl0313/memperkuat-literasi-zakat
  48. Sekaran, U. and Bougie, R. (2016) Research methods for business: A skill-building approach. (7th Ed.), Wiley & Sons, West Sussex.
  49. Sidiq, U., & Choiri, M. (2019). Metode penelitian kualitatif di bidang pendidikan, CV. Nata Karya.
  50. Soemitra, A., & Nasution, J. (2021). The influence of zakat literacy, trust, and ease of digital payments on generation Z and Y intention in paying zakat to amil zakat organizations. The 5th International Conference of Zakat (ICONZ) Proceedings, 323–334. https://doi.org/https://doi.org/10.37706/iconz.2021.266
  51. 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
  52. Sudarsono, H., Ikawati, R., Kurnia, A., Azizah, S.N. and Kholid, M.N. (2024), Effects of religiosity, halal knowledge and halal certification on the intention of Muslims to use the halal vaccine during Covid-19 pandemic, Journal of Islamic Marketing, 15(1), 79-100. https://doi.org/10.1108/JIMA-06-2021-0179
  53. Sulaeman, S., & Ninglasari, S. (2020). Analysing the behavioral intention factors in using zakat-based crowdfunding platform in Indonesia: A quantitative study. International Journal of Zakat, 5(3). https://doi.org/https://doi.org/10.37706/ijaz.v5i3.267
  54. Sumaiya, A., Meliala, M., & Setiawan, T. (2022). The influence of investment knowledge, investment motivation and financial literature on investment intention (Case study in indonesia students who have invested). Jurnal Ilmiah Manajemen & Bisnis, 6(2), 1–12. https://doi.org/10.22441/profita.2020.v13i1.001
  55. Syafira, F. N., Ratnasari, R. T., & Ismail, S. (2020). The effect of religiosity and trust on intention to pay in ziswaf collection through digital payments. Jurnal Ekonomi dan Bisnis Islam, 6(1), 98. https://doi.org/10.20473/jebis.v6i1.17293
  56. Tam, C., Santos, D., & Oliveira, T. (2020). Exploring the influential factors of continuance intention to use mobile Apps: Extending the expectation confirmation model. Information Systems Frontiers, 22(1), 243–257. https://doi.org/10.1007/s10796-018-9864-5
  57. Testa, S., Atawna, T., Baldi, G. and Cincotti, S. (2022), The innovation potential of Islamic crowdfunding platforms in contributing to sustainable development, European Journal of Innovation Management, 25(6), 1008-1035. https://doi.org/10.1108/EJIM-11-2021-0547
  58. Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3). https://www.jstor.org/stable/30036540
  59. Venkatesh, V., & Zhang, X. (2010). Unified theory of acceptance and use of technology: U.S. vs. China. Journal of Global Information Technology Management, 13(1), 5–27. https://doi.org/10.1080/1097198X.2010.10856507
  60. Wong, K. T., Teo, T., & Russo, S. (2013). Interactive whiteboard acceptance: Applicability of the UTAUT model to student teachers. Asia-Pacific Education Researcher, 22(1), 1–10. https://doi.org/10.1007/s40299-012-0001-9
  61. Yang, A. (2009). Exploring Adoption difficulties in mobile banking services. Canadian Journal of Administrative Sciences, 26(2), 136–149. https://doi.org/10.1002/cjas.102
  62. Yahaya, M. H, & Ahmad, K. (2019). Factors affecting the acceptance of financial technology among asnaf for the distribution of zakat in Selangor-A study using UTAUT. Journal of Islamic Finance, 8, 035–046. https://doi.org/10.31436/jif.v8i0.345
  63. Yusfiarto, R., Setiawan, A., & Nugraha, S. (2020). Literacy and intention to pay zakat: A theory planned behavior view evidence from Indonesian muzakki. International Journal of Zakat, 5(1). https://doi.org/https://doi.org/10.37706/ijaz.v5i1.221