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Abstract
Seiring perkembangan teknologi yang semakin pesat, mendorong munculnya inovasi platform crowdfunding yang memungkinkan penggalangan dana dari banyak kalangan dalam jumlah kecil melalui platform berbasis web. Inovasi platform crowdfunding dapat memberikan kemudahan dalam berinfak dan sedekah. Salah satu platform crowdfunding yang telah berkembang adalah Kitabisa.com. Penelitian ini bertujuan untuk menganalisis minat Gen Z di Yogyakarta dalam berinfak dan sedekah menggunakan platform crowdfunding Kitabisa.com dengan menerapkan pendekatan model UTAUT2. Populasi dalam penelitian ini adalah Gen Z yang berdomisili di Yogyakarta. Penentuan sampel dalam penelitian ini menggunakan teknik non-probability sampling dan metode purposive sampling. Adapun teknik penggumpulan data berupa survei menggunakan kuesioner online yang dibagikan kepada 150 responden. Serta teknik analisis data yang digunakan adalah analisis SEM-PLS. Hasil penelitian ini menunjukkan bahwa variabel Effort Expectancy (EE), Social Influence (SI), dan Habit (Hb) memiliki pengaruh yang positif terhadap Behavioral Intention (BI) penggunaan platform crowdfunding Kitabisa.com pada Gen Z di Yogyakarta. Dengan kata lain, faktor kemudahan penggunaan suatu teknologi, pengaruh sosial, serta kebiasaan sangat mempengaruhi keputusan crowdfunder dalam mengadopsi suatu tekonologi. Sementara itu, keempat variabel lainnya yaitu variabel Performance Expectancy (PE), Facilitating Conditions (FC), Hedonic Motivation (HM), dan Price Value (PV) tidak memiliki pengaruh positif terhadap Behavioral Intention (BI) penggunaan platform crowdfunding Kitabisa.com pada Gen Z di Yogyakarta.
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References
- Agrawal, A., Catalini, C., & Goldfarb, A. (2014). Some Simple Economics of Crowdfunding. Innovation Policy and the Economy, 14(1), 63–97. https://doi.org/10.1086/674021
- Amalia, N., Lubis, D., & Muthohharoh, M. (2020). Faktor-Faktor yang Mempengaruhi Milenial Berdonasi Online Melalui Crowdfunding Platform: Studi pada Kitabisa.com. Jurnal Hukum Dan Ekonomi Syariah, 08(02), 181–194.
- APJII. (2022). Bulletin APJII Edisi Desember 2022. 1–20.
- Azganin, H., Kassim, S., & Sa’ad, A. A. (2021). Proposed waqf crowdfunding models for small farmers and the required parameters for their application. Islamic Economic Studies, 29(1), 2–17.
- Azhaar, A., & Mas’ud, F. (2022). Determining Factors Cash Waqf Online on Kitabisa.com Crowdfunding Platform. Jurnal Studi Manajemen Organisasi, 19(1), 24–35.
- Bawono, A., Saputra, Y., & Indrawan, I. W. (2023). Intention to use Crowdfunding- Waqf Model (CWM) among Muslim Gen-Z in Indonesia: Role of Religious Orientation using Extended UTAUT2. Journal of Economic Cooperation and Development, 44(1), 1–19.
- BPS. (2020). Potret Sensus Penduduk 2020 Menuju Satu Data Kependudukan Indonesia.
- Charities Aid Foundation. (2023). World Giving Index 2022. https://www-cafonline-org.translate.goog/about-us/publications/2022-publications/caf-world-giving-index-2022?_x_tr_sl=en&_x_tr_tl=id&_x_tr_hl=id&_x_tr_pto=tc
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- Diniyah, F. (2021). Faktor yang Mempengaruhi Niat Perilaku Muslim Menggunakan Platform Crowdfunding Waqf: Teori UTAUT Model. Jurnal Ilmiah Ekonomi Islam, 7(2), 544–552. https://doi.org/10.29040/jiei.v7i2.1841
- Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). An Introduction to Structural Equation Modeling. In: Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Classroom Companion: Business. Springer. https://doi.org/10.1007/978-3-030-80519-7_1
- Hapsari, M. I., Thaker, M. A. B. M. T., Mohammed, M. O., & Duasa, J. (2022). The likelihood of using crowdfunding-Waqf model in Malaysia. International Journal of Ethics and Systems, 38(4), 682–701. https://doi.org/10.1108/IJOES-07-2021-0150
- Kitabisa.com. (2023, November 23). Tentang Kitabisa. https://kitabisa.com/about-us
- Maharani, A. A., & Widiastuti, T. (2023). Determinants of Crowdfunder Intention on Using The Crowdfunding-Waqf Model: A Case Study of Kitabisa.Com Applications. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(3), 290–304. https://doi.org/10.20473/vol10iss20233pp290-304
- Mashur, M. (2020). Implementasi Zakat, Infak, dan Sedekah pada Lembaga Amil Zakat. Jurnal Al Syirkah (Jurnal Ekonomi Islam), 1(1), 37–43.
- Masrizal, Sukmana, R., Trianto, B., & Zaimsyah, A. M. (2023). Determinant factor of crowdfunders’ behavior in using crowdfunding waqf model in Indonesia: two competing models. Journal of Islamic Marketing, 14(7), 1793–1816. https://doi.org/10.1108/JIMA-08-2021-0246
- 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
- PSKP Kemdikbud. (2021). Gen Z Dominan, Apa Maknanya bagi Pendidikan Kita? https://pskp.kemdikbud.go.id/produk/artikel/detail/3133/gen-z-dominan-apa-maknanya-bagi-pendidikan-kita
- Putri, P. A., & Anwar, A. Z. (2021). Faktor yang Mempengaruhi Masyarakat dalam Menyalurkan Zakat, Infak, Sedekah melalui Platform Crowdfunding. Journal of Management & Business, 4(2), 182–201.
- Ramdhani, A. F., Mulyana, R., & Afendi, F. M. (2022). Analysis of Factors Influencing The Cash Waqf Receiving through Fintech Waqf (Crowdfunding Waqf Model). Journal of Islamic Economics, Finance and Accounting Studies, 1(1), 1–17. https://pjiefas.tazkia.ac.id/index.php/home/article/view/3%0Ahttps://pjiefas.tazkia.ac.id/index.php/home/article/download/3/1
- Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/10.1108/JIMA-04-2017-0038
- Shaikh, S. A. (2021). Using Fintech in scaling up Islamic microfinance. Journal of Islamic Accounting and Business Research, 12(2), 186–203.
- Sulaeman, S., & Ninglasari, S. Y. (2020). An Empirical Examination of Factors Influencing the Behavioral Intention to Use Zakat-Based Crowdfunding Platform Model for Countering the Adverse Impact of COVID-19 on MSMEs in Indonesia. International Conference of Zakat (ICONZ), 203–218. https://doi.org/10.37706/iconz.2020.218
- Thaker, H. M. T., Thaker, M. A. M. T., Khaliq, A., Pitchay, A. A., & Hussain, H. I. (2022). Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2. Journal of Islamic Marketing, 13(5), 1171–1197. https://doi.org/10.1108/JIMA-11-2019-0228
- Thaker, M. A. M. T., Thaker, H. M. T., & Pitchay, A. A. (2018). Modeling crowdfunders’ behavioral intention to adopt the crowdfunding-waqf model (CWM) in Malaysia: The theory of the technology acceptance model. International Journal of Islamic and Middle Eastern Finance and Management, 11(2), 231–249. https://doi.org/10.1108/IMEFM-06-2017-0157
References
Agrawal, A., Catalini, C., & Goldfarb, A. (2014). Some Simple Economics of Crowdfunding. Innovation Policy and the Economy, 14(1), 63–97. https://doi.org/10.1086/674021
Amalia, N., Lubis, D., & Muthohharoh, M. (2020). Faktor-Faktor yang Mempengaruhi Milenial Berdonasi Online Melalui Crowdfunding Platform: Studi pada Kitabisa.com. Jurnal Hukum Dan Ekonomi Syariah, 08(02), 181–194.
APJII. (2022). Bulletin APJII Edisi Desember 2022. 1–20.
Azganin, H., Kassim, S., & Sa’ad, A. A. (2021). Proposed waqf crowdfunding models for small farmers and the required parameters for their application. Islamic Economic Studies, 29(1), 2–17.
Azhaar, A., & Mas’ud, F. (2022). Determining Factors Cash Waqf Online on Kitabisa.com Crowdfunding Platform. Jurnal Studi Manajemen Organisasi, 19(1), 24–35.
Bawono, A., Saputra, Y., & Indrawan, I. W. (2023). Intention to use Crowdfunding- Waqf Model (CWM) among Muslim Gen-Z in Indonesia: Role of Religious Orientation using Extended UTAUT2. Journal of Economic Cooperation and Development, 44(1), 1–19.
BPS. (2020). Potret Sensus Penduduk 2020 Menuju Satu Data Kependudukan Indonesia.
Charities Aid Foundation. (2023). World Giving Index 2022. https://www-cafonline-org.translate.goog/about-us/publications/2022-publications/caf-world-giving-index-2022?_x_tr_sl=en&_x_tr_tl=id&_x_tr_hl=id&_x_tr_pto=tc
Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4), 794–812. https://doi.org/10.1108/JIMA-12-2019-0252
Diniyah, F. (2021). Faktor yang Mempengaruhi Niat Perilaku Muslim Menggunakan Platform Crowdfunding Waqf: Teori UTAUT Model. Jurnal Ilmiah Ekonomi Islam, 7(2), 544–552. https://doi.org/10.29040/jiei.v7i2.1841
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). An Introduction to Structural Equation Modeling. In: Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Classroom Companion: Business. Springer. https://doi.org/10.1007/978-3-030-80519-7_1
Hapsari, M. I., Thaker, M. A. B. M. T., Mohammed, M. O., & Duasa, J. (2022). The likelihood of using crowdfunding-Waqf model in Malaysia. International Journal of Ethics and Systems, 38(4), 682–701. https://doi.org/10.1108/IJOES-07-2021-0150
Kitabisa.com. (2023, November 23). Tentang Kitabisa. https://kitabisa.com/about-us
Maharani, A. A., & Widiastuti, T. (2023). Determinants of Crowdfunder Intention on Using The Crowdfunding-Waqf Model: A Case Study of Kitabisa.Com Applications. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(3), 290–304. https://doi.org/10.20473/vol10iss20233pp290-304
Mashur, M. (2020). Implementasi Zakat, Infak, dan Sedekah pada Lembaga Amil Zakat. Jurnal Al Syirkah (Jurnal Ekonomi Islam), 1(1), 37–43.
Masrizal, Sukmana, R., Trianto, B., & Zaimsyah, A. M. (2023). Determinant factor of crowdfunders’ behavior in using crowdfunding waqf model in Indonesia: two competing models. Journal of Islamic Marketing, 14(7), 1793–1816. https://doi.org/10.1108/JIMA-08-2021-0246
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
PSKP Kemdikbud. (2021). Gen Z Dominan, Apa Maknanya bagi Pendidikan Kita? https://pskp.kemdikbud.go.id/produk/artikel/detail/3133/gen-z-dominan-apa-maknanya-bagi-pendidikan-kita
Putri, P. A., & Anwar, A. Z. (2021). Faktor yang Mempengaruhi Masyarakat dalam Menyalurkan Zakat, Infak, Sedekah melalui Platform Crowdfunding. Journal of Management & Business, 4(2), 182–201.
Ramdhani, A. F., Mulyana, R., & Afendi, F. M. (2022). Analysis of Factors Influencing The Cash Waqf Receiving through Fintech Waqf (Crowdfunding Waqf Model). Journal of Islamic Economics, Finance and Accounting Studies, 1(1), 1–17. https://pjiefas.tazkia.ac.id/index.php/home/article/view/3%0Ahttps://pjiefas.tazkia.ac.id/index.php/home/article/download/3/1
Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/10.1108/JIMA-04-2017-0038
Shaikh, S. A. (2021). Using Fintech in scaling up Islamic microfinance. Journal of Islamic Accounting and Business Research, 12(2), 186–203.
Sulaeman, S., & Ninglasari, S. Y. (2020). An Empirical Examination of Factors Influencing the Behavioral Intention to Use Zakat-Based Crowdfunding Platform Model for Countering the Adverse Impact of COVID-19 on MSMEs in Indonesia. International Conference of Zakat (ICONZ), 203–218. https://doi.org/10.37706/iconz.2020.218
Thaker, H. M. T., Thaker, M. A. M. T., Khaliq, A., Pitchay, A. A., & Hussain, H. I. (2022). Behavioural intention and adoption of internet banking among clients’ of Islamic banks in Malaysia: an analysis using UTAUT2. Journal of Islamic Marketing, 13(5), 1171–1197. https://doi.org/10.1108/JIMA-11-2019-0228
Thaker, M. A. M. T., Thaker, H. M. T., & Pitchay, A. A. (2018). Modeling crowdfunders’ behavioral intention to adopt the crowdfunding-waqf model (CWM) in Malaysia: The theory of the technology acceptance model. International Journal of Islamic and Middle Eastern Finance and Management, 11(2), 231–249. https://doi.org/10.1108/IMEFM-06-2017-0157