DETERMINAN NIAT BERZAKAT, BERINFAK DAN BERSEDEKAH SECARA ONLINE MELALUI FINTECH (Studi pada Generasi Milenial di Seluruh Provinsi Pulau Jawa)

Dia Purnamasari, NIM.: 20208012020 (2022) DETERMINAN NIAT BERZAKAT, BERINFAK DAN BERSEDEKAH SECARA ONLINE MELALUI FINTECH (Studi pada Generasi Milenial di Seluruh Provinsi Pulau Jawa). Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The development of financial technology (fintech) has had a positive and significant impact on various fields. However, this positive impact has not been fully utilized in the management of zakat, infaq and alms. This study aims to analyze the determinants of intention to pay zakat, infaq and alms (ZIS) online through fintech in the millennial generation on the island of Java. This study develops a unified theory of acceptance and use of technology (UTAUT-2) by adding a religiosity variable to the model as a form of intention to behave in paying ZIS online through fintech. This study uses a quantitative approach with primary data. Data were obtained through questionnaires distributed to millennial generation respondents living in all provinces of Java with a total of 175. The data analysis tool used in this study was the Partial Least Square-Structural Equation Model (PLS-SEM) with the help of WarpPLS Version 8.0 software. The results of this study indicate that the variables of performance expectations, social influences, facilitating conditions, habits and religiosity have a positive and significant effect on the intention to pay zakat, infaq and alms (ZIS) online through fintech. While the variables of business expectations, hedonic motivation and price values statistically have no effect on the intention to pay zakat, infaq and alms (ZIS) online through fintech. This study has implications for the development of consumer behavior models and extends the validity of the determinants of behavioral intentions to pay ZIS through fintech. In addition, this study confirms the significance of the online marketing paradigm regarding ZIS with optimal use of social media.

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