Faktor yang Memengaruhi Minat Muzaki dalam Membayar Zakat Melalui Kitabisa.com: Pendekatan Technology Acceptance Model dan Theory of Planned Behavior
Main Article Content
Abstract
This study aims to examine the factors that influence muzaki's interest in paying zakat through Kitabisa.com with the Technology Acceptance Model and Theory of Planned Behavior approaches. In addition, this study analyzes the relationship pattern of the perceived usefulness, ease of use, attitudes, subjective norms, and behavioral control towards muzaki’s interest. The method used in this study is a quantitative method using Structural Equation Modeling (SEM). The analytical tool used is the SmartPLS version 3 software. The data collection technique was through distributing questionnaires with a total sample of 180 respondents. The results showed that muzaki’s interest in paying zakat through Kitabisa.com was influenced by perceptions of ease of use, attitudes, subjective norms, and perceptions of behavior control. This study proves that perceived ease of use has a significant effect on perceived usefulness. Perceived usefulness and perceived ease of use have a significant effect on attitudes. Meanwhile, perceived usefulness has no significant effect on the interest in using Kitabisa.com digital zakat services. In addition, perceptions of ease of use, attitudes, subjective norms, and perceptions of behavioral control have a significant effect on the interest in using Kitabisa.com digital zakat services.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Author(s) who published in this journal agree to following terms:
- Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah. The statement to release the copyright to Al-Muzara'ah is stated in form CTA (link doc).
- Copyright encompass exclusive rights to reproduce, to distribute, and to sell any part of the journal articles in all form and media.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA) where Authors and Readers can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, but they must give appropriate credit (cite to the article or content), provide a link to the license, and indicate if changes were made. If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
References
Amalia, S. N. A. (2018). Faktor-faktor yang mempengaruhi minat individu terhadap financial technology (fintech) syariah (Paytren) sebagai salah satu alat transaksi pembayaran (pendekatan Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB)). Iqtishaduna, 9(1), 64-79.
[BAZNAS] Badan Amil Zakat Nasional. (2020). Statistik Zakat Nasional 2019 [Internet]. [diakses 2021 Mar 10]. Tersedia pada: https://pid.baznas.go.id/wp-content/uploads/2020/09/STATISTIK-ZAKAT-NASIONAL-2019.pdf.
[BPS] Badan Pusat Statistik. (2016). Perempuan dan Laki-laki di Indonesia 2016 [Internet]. [diakses 2020 Jan 12]. Tersedia pada: https://www.bps.go.id/publication/2017/12/25/e9f97e642645640c15caf139/perempuan-dan-laki-laki-di-indonesia-2016.html.
Celik, H. E. & Yilmaz, V. (2011). Extending the technology acceptance model for adoption of e-shopping by consumers in Turkey. Journal of Electronic Commerce Research, 12(2), 152.
Davis, F. D., Bagozzi, R. P. & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
Duy, N. K. (2012). Factors affecting behavioral intentions toward mobile banking usage: A study of banking customers in Ho Chi Minh City.
Firmansyah, F. (2013). Zakat sebagai instrumen pengentasan kemiskinan dan kesenjangan pendapatan. Jurnal Ekonomi dan Pembangunan, 21(2), 179-190.
Ghozali, I. & Latan, H. (2015). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 untuk Penelitian Empiris. Semarang (ID), Badan Penerbit UNDIP.
Haryono, S. (2017). Metode SEM untuk Penelitian Manajemen dengan Amos Lisrel PLS. Jakarta (ID), Luxima Metro Media.
Hudaefi, F. A. (2020). How does Islamic fintech promote the SDGs? Qualitative evidence from Indonesia. Qualitative Research in Financial Markets, 353-366.
Hudaefi, F. A., Beik, I. S., Zaenal, M. H., Choirin, M., Farchatunnisa, H., & Junari, U. L. (2020). How does zakat institution respond to fintech? Evidence from BAZNAS Indonesia. International Journal of Zakat and Islamic Philanthropy, 1-8.
Indrayana, B., Seminar, K. B., & Sartono, B. (2016). Faktor penentu minat penggunaan instagram untuk pembelian online menggunakan Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB). Jurnal Aplikasi Bisnis Dan Manajemen, 2(2), 138–147.
Irhamsyah, A. (2019). Analisis Faktor-Faktor Preferensi yang Mempengaruhi Keputusan Metode Pembayaran Zakat Bagi Muzakki Di Era Digital (Studi pada Dosen dan Tenaga Kependidikan Fakultas Ekonomi Dan Bisnis Universitas Brawijaya). (Disertasi, Universitas Brawijaya, Malang, Indonesia).
Jogiyanto, H.M. (2007). Sistem Informasi Keperilakuan. Yogyakarta (ID), Andi.
Khalil, N. M., Amin, H. & Azman, N. S. (2020). Compliance intention to pay zakat on salary: A case from East Malaysia. International Journal of Zakat, 37-50.
Kholid, M. N. (2018). Keberterimaan muzaki terhadap zakat crowdfunding di Indonesia: Preliminary research. CIMAE: Conference on Islamic Management Accounting and Economics, 1(1), 52–58.
[Kitabisa] Kitabisa.com. (2016). Indonesia Online Giving Report: Kitabisa.com 2016 [Internet]. [diakses 2020 Feb 28]. Tersedia pada: https://blog.kitabisa.com/indonesia-online-giving-report-kitabisa-com-2016/.
[Kitabisa] Kitabisa.com. (2018). Kitabisa.com Online Giving Report 2018: Indonesia Negara Paling Dermawan di Dunia [Internet]. [diakses 2020 Feb 28]. Tersedia pada: https://blog.kitabisa.com/kitabisa-online-giving-report-2018-indonesia/.
Mahendra, T. (2014). Minat Individu terhadap Penggunaan Mobile Banking: Pendekatan Modified Technologi Acceptance Model (TAM) dan Theory of Planned Behavior (TPB). (Disertasi, Universitas Brawijaya, Malang, Indonesia).
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.
Muneeza, A. & Nadwi, S. (2019). The potential of application of technology-based innovations for zakat administration in India. International Journal of Zakat, 4(2), 87-100.
Salleh, M. C. M. & Chowdhury, M. A. (2020). Technological transformation in Malaysian zakat institutions. International Journal of Zakat, 5(3), 44-56.
Sarwat, A. (2019). Ensiklopedia Fikih Indonesia 4: Zakat. Jakarta (ID): PT Gramedia Pustaka Utama.
Soekapdjo, S., Tribudhi, D. A. & Nugroho, L. (2019). Fintech di era digital untuk meningkatkan kinerja ZIS di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 137–144.
Suhendra. (2017). Benarkah RI negara dengan penduduk Muslim terbesar dunia? [Internet]. [diakses 2020 Jan 12]. Tersedia pada: https://tirto.id/benarkah-ri-negara-dengan-penduduk-muslim-terbesar-dunia-cuGD.
Sulaeman, S. & Ninglasari, S. Y. (2020). Analyzing the behavioral intention factors in using zakat-based crowdfunding platform in Indonesia. International Journal of Zakat, 5(3), 1-19.
Suyanto, S., & Kurniawan, T. A. (2019). Faktor yang mempengaruhi tingkat kepercayaan penggunaan fintech pada UMKM dengan menggunakan Technology Acceptance Model (TAM). Akmenika: Jurnal Akuntansi dan Manajemen, 16(1), 175-186.
Wildan, M. (2019). Pengaruh Persepsi Kemudahan Penggunaan, Efektivitas dan Risiko terhadap Minat Bertransaksi Menggunakan Financial Technology (Fintech). (Disertasi, Universitas Islam Negeri Walisongo, Semarang, Indonesia).