PENGARUH LITERASI KEUANGAN SYARIAH, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN PERSEPSI MANFAAT TERHADAP KEPUTUSAN MASYARAKAT MENGGUNAKAN MOBILE BANKING SYARIAH UNTUK PEMBAYARAN ZAKAT DI YOGYAKARTA DENGAN KEPERCAYAAN SEBAGAI VARIABEL MEDIASI

Fakhirah Najla Syakirah, NIM.: 22108030017 (2026) PENGARUH LITERASI KEUANGAN SYARIAH, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN PERSEPSI MANFAAT TERHADAP KEPUTUSAN MASYARAKAT MENGGUNAKAN MOBILE BANKING SYARIAH UNTUK PEMBAYARAN ZAKAT DI YOGYAKARTA DENGAN KEPERCAYAAN SEBAGAI VARIABEL MEDIASI. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

	Text (PENGARUH LITERASI KEUANGAN SYARIAH, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN PERSEPSI MANFAAT TERHADAP KEPUTUSAN MASYARAKAT MENGGUNAKAN MOBILE BANKING SYARIAH UNTUK PEMBAYARAN ZAKAT DI YOGYAKARTA DENGAN KEPERCAYAAN SEBAGAI VARIABEL MEDIASI) 22108030017_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version Download (11MB)
	Text (PENGARUH LITERASI KEUANGAN SYARIAH, PERSEPSI KEMUDAHAN PENGGUNAAN, DAN PERSEPSI MANFAAT TERHADAP KEPUTUSAN MASYARAKAT MENGGUNAKAN MOBILE BANKING SYARIAH UNTUK PEMBAYARAN ZAKAT DI YOGYAKARTA DENGAN KEPERCAYAAN SEBAGAI VARIABEL MEDIASI) 22108030017_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (19MB) | Request a copy

Abstract

This study aims to analyze the influence of Islamic Financial Literacy, Perceived Ease of Use, and Perceived Usefulness on the community's decision in Yogyakarta to use Islamic mobile banking for zakat payments, with Trust as a mediating variable. The primary focus is observing how Sharia understanding and a sense of security influence financial technology adoption for religious needs. The research utilizes a quantitative method with a descriptive approach, collecting data from 150 respondents. Data analysis was conducted using Partial Least Square-Structural Equation Modeling (PLS-SEM) via SmartPLS software. Results indicate that Islamic Financial Literacy, Perceived Ease of Use, and Perceived Usefulness partially have positive and significant effects on the Use Decision. Trust significantly mediates the relationship between literacy, ease, and usefulness toward the decision. These findings confirm that technical and cognitive factors require validation through trust to encourage digital zakat. Consequently, Islamic banks and zakat institutions must enhance system transparency and Sharia education to strengthen public confidence.

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