Faktor-Faktor yang Memengaruhi Minat Sedekah Non Tunai

Abstract

In this modern era, the development of Islamic financial instruments has entered an era of increasing awareness from various parties. One of them is by participating in adapting technological developments in alms collection, in addition to making it easier for almsgivers to channel their donations, this strategy is expected to optimize the potential of ZIS in Indonesia. However, the factors that encourage interest in non-cash donations still need to be studied more deeply in order to improve the optimization of ZIS collection. This study aims to determine the effect of perceptions of convenience, income, and religiosity on interest in non-cash alms with trust as a moderating variable. This study used a quantitative method by processing primary data collected from questionnaires given to 100 Muslim communities in the city of Salatiga who were used as research samples. The analytical tool used is multiple linear regression with the help of the SPSS 26 application. Data analysis methods include instrument testing, classical assumption testing, and hypothesis testing. The results of this study indicate that perceived convenience and income have a significant positive effect on interest in non-cash alms. Meanwhile, religiosity has no effect on interest in non-cash alms. As well as trust is able to moderate the effect of perceptions of convenience, income, and religiosity on interest in non-cash alms.Pada era modern seperti sekarang, perkembangan instrumen keuangan Islam telah memasuki era peningkatan kesadaran dari berbagai pihak. Salah satunya dengan turut mengadaptasi perkembangan teknologi dalam penghimpunan sedekah, selain memudahkan penyedekah menyalurkan donasinya, strategi tersebut diharapkan dapat mengoptimalisasi potensi ZIS yang ada di Indonesia. Namun, faktor yang mendorong minat berdonasi non tunai masih perlu dikaji lebih dalam agar mampu meningkatkan optimalisasi penghimpunan ZIS. Penelitian ini bertujuan untuk mengetahui pengaruh persepsi kemudahan, pendapatan, dan religiositas terhadap minat sedekah non tunai dengan kepercayaan sebagai variabel moderasi. Penelitian ini menggunakan metode kuantitatif dengan mengolah data primer yang dihimpun dari kuesioner yang diberikan kepada 100 masyarakat muslim kota Salatiga yang dijadikan sebagai sampel penelitian. Alat analisis yang digunakan adalah regresi linear berganda dengan bantuan aplikasi SPSS 26. Metode analisis data meliputi uji instrumen, uji asumsi klasik, dan uji hipotesis. Hasil penelitian ini menunjukkan bahwa persepsi kemudahan dan pendapatan berpengaruh positif signifikan terhadap minat sedekah non tunai. Sedangkan religiositas tidak berpengaruh terhadap minat sedekah non tunai. Serta kepercayaan mampu memoderasi pengaruh persepsi kemudahan, pendapatan, dan religiositas terhadap minat sedekah non tunai.

Young Muslim generations and sadaqah through digital platforms: Do sadaqah literacy and religiosity matter?

“…Meanwhile, other research results, such as that conducted by Rismantari (2020), show that religiosity has a partially significant effect on the decision to give sadaqah. However, several studies, such as Irawati and Fitriyani (2022) and Kurniaputri et al (2020), have found that religiosity does not significantly influence the decision to give sadaqah online. Based on previous research, the following can be formulated.…”

Zakat, infaq, shadaqah, and waqf using financial technology: Millennial generation perspective

“…This study was aided by adjusting the inclusion of the TPB and UTAUT theories. Previous research on the payment of zakat utilizing technology, such as digital payments and mobile banking, used the TPB and TAM theories most often (Afandi, 2021;Ahwal, 2021;Hasyim et al, 2020;Irawati & Fitriyani, 2022;Ningtias & Nadya, 2022). In addition, this study aims to update how society has come to embrace technology and investigate how people might develop the essential habits to become technologically literate.…”

Digital Strategy in Paying Zakat Non-Cash at Baitul Maal Hidayatullah (BMH) Pontianak

“…Sixty-one trillion is collected through non-ZPO (BAZNAS, 2021a). This happens because awareness alone is not enough without being facilitated with the suitable media and facilities in channeling zakat, infaq, and alms funds for muzakki and donors (Irawati & Fitriyani, 2022).…”

“…1.194 trillion and is predicted to continue to increase in the following year. Based on the research results of Irawati and Fitriyani (2022), non-cash alms associations always experience an increase every year. The collection of public funds in a non-cash manner in 2016 at kitabisa.com amounted to Rp.…”

“…1.194 trillion and is predicted to continue to increase in the following year. The increase in interest in noncash alms is also influenced by perceptions of convenience, Muslim community income, and spiritual motivation that already exists in muzakki (Irawati & Fitriyani, 2022;Sukmawati, 2022). Meanwhile, according to Agustia et al (2022), the QRIS non-cash payment method increases donor interest in giving donations.…”