relation: https://digilib.uin-suka.ac.id/id/eprint/75232/
title: ADOPSI PEMBAYARAN ZAKAT, INFAK DAN SEDEKAH (ZIS) SECARA ONLINE MELALUI PLATFORM DIGITAL: STUDI KOMPARATIF PERILAKU MASYARAKAT PERKOTAAN DAN SUB-PERKOTAAN DI INDONESIA
creator: Dia Purnamasari, NIM.: 22300012011
subject: 297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah
description: This study aims to analyze the determinants of adopting online  payment for zakat, infaq, and sadaqah (ZIS – obligatory almsgiving,  voluntary charitable giving, and voluntary alms in Islam) through  digital platforms by comparing the behavior of urban and suburban  communities in Indonesia. The conceptual model was developed by  adapting the Unified Theory of Acceptance and Use of Technology  (UTAUT) framework, which was expanded into three main  dimensions: technological determinants (performance expectancy,  effort expectancy, perceived risk), personal determinants (hedonic  motivation, habit, personal innovativeness in technology, digital  trust), and environmental determinants (facilitating conditions,  electronic word of mouth [e-WoM], social influence). In addition,  digital financial literacy was tested as a moderating variable that  strengthens the relationship between intention and actual behavior in  digital ZIS payments.  This research employs a quantitative design using primary data  from an online questionnaire survey administered to 369 respondents  from 32 provinces in Indonesia who had previously paid ZIS through  digital platforms. The collected data were analyzed using the Partial  Least Squares–Multi-Group Analysis (PLS-MGA) method with the  assistance of SmartPLS 4 software to identify and compare the  determinants influencing digital ZIS payment adoption between  urban and suburban communities. Overall, the results show that the  adoption behavior of digital ZIS payments is determined primarily by  intention to use, and this intention is positively and significantly  influenced by performance expectancy, effort expectancy, habit,  personal innovativeness in technology, digital trust, and e-WoM,  while perceived risk has a significantly negative effect. Conversely,  hedonic motivation and facilitating conditions do not significantly  affect the intention to pay ZIS digitally. The multigroup analysis  reveals interregional differences, in which perceived risk has a  significant negative effect among suburban communities but is not  significant among urban communities. Effort expectancy is also  significant only for the suburban group, whereas e-WoM shows a  specifically significant effect among urban communities. These  findings confirm the presence of variation in digital ZIS adoption  determinants based on regional characteristics. Additionally, digital    financial literacy was found to strengthen the relationship between  intention and actual digital ZIS payment behavior in both community  groups.  This study enriches the UTAUT literature by integrating variables  such as personal innovativeness, perceived risk, digital trust, and e-  WoM into the three main determinants (technological, personal, and  environmental) and by introducing digital financial literacy as a  moderating variable, thereby producing a more comprehensive and  capable conceptual model in explaining digital ZIS payment  adoption behavior in Indonesia. The findings highlight that  improving digital financial literacy—alongside strengthening  technological, personal, and environmental aspects—is an essential  prerequisite for promoting the sustainability of digital ZIS service  adoption. Furthermore, the results offer practical implications for  digital ZIS platform managers and policymakers, particularly in  formulating strategies that are adaptive to regional characteristics to  broaden public participation in utilizing digital ZIS payment services.
date: 2026-01-05
type: Thesis
type: NonPeerReviewed
format: text
language: id
identifier: https://digilib.uin-suka.ac.id/id/eprint/75232/1/22300012011_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
format: text
language: id
identifier: https://digilib.uin-suka.ac.id/id/eprint/75232/2/22300012011_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf
identifier:   Dia Purnamasari, NIM.: 22300012011  (2026) ADOPSI PEMBAYARAN ZAKAT, INFAK DAN SEDEKAH (ZIS) SECARA ONLINE MELALUI PLATFORM DIGITAL: STUDI KOMPARATIF PERILAKU MASYARAKAT PERKOTAAN DAN SUB-PERKOTAAN DI INDONESIA.  Doctoral thesis, UIN SUNAN KALIJAGA YOGYAKARTA.