Antecedents of Digitizing ZIS Payments: A TAM and TPB Approaches
DOI:
https://doi.org/10.22515/jfib.v4i2.4899Keywords:
Digitize, ZIS, TAM, TPBAbstract
Financial technology is a form of adaptation to technological disruptions. The adoption of fintech in ZIS payments (zakat, infaq, shadaqah) is necessary if the zakat institution wants to increase fundraising from the community. This study investigates the impact of digitizing payments on interest in paying ZIS. This study uses quantitative analysis with a combined approach of the TAM and TPB. A quantitative sample was obtained from 250 respondents with 174 valid and representative questionnaires. The research areas were Yogyakarta and Surakarta. The results show that digitization of ZIS payments increases a ZIS's intention to pay. All TAM constructs, namely perceived ease of use and perceived usefulness, affect attitudes and intentions to pay ZIS. The TPB constructs namely attitude, subjective norms, and perceived behavioral control affect the intention to pay a ZIS.
Downloads
References
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Akhmadi, D. P. (2019). Cara Bayar Zakat Online Melalui Situs Web Baznas. Tirti.Id. https://tirto.id/cara-bayar-zakat-online-melalui-situs-web-baznas-dtLd
Ashari, M. (2019). Potensi Zakat di Indonesia Belum Dimaksimalkan. Pikiran Rakyat. https://www.pikiran-rakyat.com/nasional/2019/05/16/potensi-zakat-di-indonesia-belum-dimaksimalkan
Asmalia, S., Kasri, R. A., & Ahsan, A. (2018). Exploring the Potential of Zakah for Supporting Realization of Sustainable Development Goals ( SDGs ) in Indonesia. 51–69.
Asmara, C. G. (2019). Potensi Zakat Rp 252 T, Masuk Baznas Cuma Rp 8,1 T. CNBC Indonesia. https://www.cnbcindonesia.com/syariah/20190516152005-29-72968/potensi-zakat-rp-252-t-masuk-baznas-cuma-rp-81-t
Beik, I. S. (2015). Analisis Faktor-faktor yang Memengaruhi Tingkat Kepatuhan Membayar Zakat : Studi Kasus Kabupaten Bogor Analisis Faktor-faktor yang Memengaruhi Tingkat Kepatuhan Membayar Zakat : Studi Kasus Kabupaten Bogor Analysis of Factors Affecting Compliance Level of. July 2013. https://doi.org/10.29244/jam.1.1.83-106
Benedicta, P. (2019). Bappenas akan terbitkan RPJMN 2020-2024 akhir tahun ini. https://nasional.kontan.co.id/news/bappenas-akan-terbitkan-rpjmn-2020-2024-akhir-tahun-ini
Bulutoding, L., Parmitasari, R. D. A., & Suhartono. (2019). Perilaku Kepatuhan Para Wajib Zakat Di Provinsi Sulawesi Selatan. Laa Maisyir, 6(2), 191–210. http://journal.uin-alauddin.ac.id/index.php/lamaisyir/article/view/11800
Chapra, U. (1992). Islam and the Economic Challenge. The Islamic Foundation and The International Institute of Islamic Thought. file:///C:/Users/the19/Downloads/Islam and the Economic Challenge_93524.pdf
Charities Aid Foundation. (2021). CAF World Giving Index 2021 (Issue June).
Chin, J., Diehl, V., & Norman, K. (1988). Development of an Instrument Measuring User Satisfaction of the Human-Computer Interface. ACM CHIi’.
Davis, F. (1989). Perceived Usefulness, Perceived Ease of Use and User Acceptance of Information Technology. 13(3), 319–340. https://doi.org/10.2307/249008
Fajar, R. (2017). Baznas Luncurkan Portal Layanan Zakat. Republika. https://www.republika.co.id/berita/dunia-islam/wakaf/17/06/05/or2oyd423-baznas-luncurkan-portal-layanan-zakat
Franedya, R. (2019). Terungkap! Transaksi GoPay di 2018 Tembus Rp 87 T. CNBC Indonesia. https://www.cnbcindonesia.com/tech/20190211103125-37-54742/terungkap-transaksi-gopay-di-2018-tembus-rp-87-t
Ghozali, I., & Ratmono, D. (2017). Analisis Multivariat dan Ekonometrika: Teori, Konsep dan Aplikasi dengan Eviews 10 (2nd ed.). Badan Penerbit Universitas Diponegoro.
Gujarati, D. N. (2004). Gujarati: Basic Econometrics, Fourth Edition. In New York.
Hair, J. F., Sarstedt, M., & Ringle, C. M. (2011). An Assessment of the Use of Partial Least Squares Structural Equation An assessment of the use of partial least squares structural equation modeling in marketing research. 1–24. https://doi.org/10.1007/s11747-011-0261-6
Haji-othman, Y. (2017). The Influence of Attitude , Subjective Norm , and Islamic Religiosity on Compliance Behavior of Income Zakat Among Educators. November. https://doi.org/10.6007/IJARBSS/v7-i11/3549
Hasyim, F. (2018). The Determinant of Takaful Acceptance: Theory of Reasoned Action Approach. Journal of Finance and Islamic Banking, 1(1). https://doi.org/10.22515/jfib.v1i1.1246
Hasyim, F. (2019). Peer To Peer Lending As Alternative Online Microfinance Platform: Threat and Challenge To Islamic Microfinance. Indonesian Journal of Islamic Literature and Muslim Society, 4(2), 2528–1194. https://doi.org/10.22515/islimus.v4i2.1491
Hasyim, F., Awwal, M. A., & Amin, N. H. Al. (2020). ZISWAF Digital Payment as An Effort to Reach Millennials Nur Hidayah Al Amin. 11, 183–210.
Hasyim, F., & Nurohman, Y. A. (2021). Adopsi Teori Perilaku Berencana dalam Menganalisis Niat Melakukan Wakaf Tunai. Among Makarti, 14(1). https://doi.org/10.52353/AMA.V14I1.201
Hasyim, F., & Purnasari, N. (2021). Antecedent Of Halal Food Purchasing Decision: A Theory Of Planned Behavior (TPB) Approach. IQTISHADIA, 14(1), 107–124. https://doi.org/10.21043/IQTISHADIA.V14I1.10002
Islam Negeri Raden Mas Said Surakarta, U., & Purnasari, N. (2021). Antecedent Of Halal Food Purchasing Decision: A Theory Of Planned Behavior (TPB) Approach. IQTISHADIA, 14(1), 107–124. https://doi.org/10.21043/IQTISHADIA.V14I1.10002
Kashif, M., Sarifuddin, S., & Hassan, A. (2015). Charity donation: intentions and behaviour. Marketing Intelligence & Planning, 33(1), 90–102. https://doi.org/10.1108/MIP-07-2013-0110
Lai, P. (2017). The Literature Review of technology Adoption odels and Theories For The Novelty Technology. 14(1), 21–38. https://doi.org/10.4301/S1807-17752017000100002
Liébana-Cabanillas, F., de Luna, I., & RÃos, F. (2017). Intention to use new mobile payment systems: A comparative analysis of SMS and NFC payments. Economic Research-Ekonomska Istraživanja, 30, 892–910. https://doi.org/10.1080/1331677X.2017.1305784
Mathieson, K. (1991). Predicting user intentions: Comparing the technology acceptance model with the theory of planned behavior. Information Systems Research, 2(3), 173–191. https://doi.org/10.1287/ISRE.2.3.173
Osman, I., Ma’in, M., & Muda, R. (2019). Determinants Of Behavioural Intention Towards Green Investments: The Perspetives If Muslims. In International Journal of Islamic Business (Issue 1).
Pramuji, S. (2018, June 22). Penerimaan Zakat Meningkat, Perekonomian Jadi Target. Lokadata. https://lokadata.id/artikel/penerimaan-zakat-meningkat-perekonomian-jadi-target
Purwanto, P., Sulthon, M., & Wafirah, M. (2021). Behavior Intention to Use Online Zakat: Application of Technology Acceptance Model with Development. ZISWA: Jurnal Zakat Dan Wakaf, 8(1), 44–60. https://doi.org/10.21043/ZISWAF.V8I1.10457
Rahma, M. F., & Sukmana, R. (2020). Analisis Faktor-faktor TPB dan Religiosity terhadap Willingness dalam berwakaf pengurus Muhammadiyah di Kota Surabaya Mutia. JESTT, 7(20).
Republika. (2019). Baznas Harap Zakat Digital di Indonesia Jadi Inspirasi Dunia. Republika. https://www.republika.co.id/berita/dunia-islam/wakaf/19/05/24/ps0epq458-baznas-harap-zakat-digital-di-indonesia-jadi-inspirasi-dunia
Saad, R. A. J., & Haniffa, R. (2014). Determinants of zakah ( Islamic tax ) compliance behavior Journal of Islamic Accounting and Business Research Article information : September 2015. https://doi.org/10.1108/JIABR-10-2012-0068
Sapingi, R., Ahmad, N., & Mohammad, M. (2011). A Study On Zakah Or Employment Income: Factors That Influence Academics Intention to Pay Zakah.
Seetharaman, A., Kumar, K. N., Palaniapan, S., & Weber, G. (2017). Factors Influencing Behavioural Intention to Use the Mobile Wallet in Singapore. 7(2), 116–136.
Shalender, K., & Sharma, N. (2021). Using extended theory of planned behaviour (TPB) to predict adoption intention of electric vehicles in India. Environment, Development and Sustainability, 23(1), 665–681. https://doi.org/10.1007/s10668-020-00602-7
Simamora, N. S. (2019). Aplikasi Pembayaran Online Dongkrak Penghimpunan Zakat. Solopos. https://news.solopos.com/read/20190607/496/997095/aplikasi-pembayaran-online-dongkrak-penghimpunan-zakat%0D
Simamora, T. P., & Djamaludin, M. D. (2020). Analysis of Intention to Buy Cinema E-Tickets Among IPB Students with Theory of Planned Behavior (TPB) Approach. Journal of Consumer Sciences, 5(1), 58–72. https://doi.org/10.29244/JCS.5.1.58-72
Sitorus, R. (2019). Volume Transaksi E-Money Capai Rp8 Triliun, Ini Penopangnya. Bisnis.Com. https://finansial.bisnis.com/read/20190711/90/1123152/volume-transaksi-e-money-capai-rp8-triliun-ini-penopangnya%0D
Tamilmani, K., Rana, N. P., Wamba, S. F., & Dwivedi, R. (2021). The extended Unified Theory of Acceptance and Use of Technology (UTAUT2): A systematic literature review and theory evaluation. International Journal of Information Management, 57, 102269. https://doi.org/10.1016/j.ijinfomgt.2020.102269
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Information Systems Research, 6, 144–176.
Ting, H., Yacob, Y., Liew, L., & Lau, W. M. (2015). Intention to Use Mobile Payment System: A Case of Developing Market by Ethnicity.
UN. (2021). The 17 Goals Sustainable Development. https://sdgs.un.org/goals
Warshaw, P. R., & Davis, F. D. (1985). Disentangling behavioral intention and behavioral expectation. Journal of Experimental Social Psychology, 21(3), 213–228. https://doi.org/10.1016/0022-1031(85)90017-4
Wedhaswary, I. D. (2014). Nawa Cita, 9 Agenda Prioritas Jokowi-JK. Kompas. https://nasional.kompas.com/read/2014/05/21/0754454/.Nawa.Cita.9.Agenda.Prioritas.Jokowi-JK.
Wiharjo, B., & Hendratmi, A. (2020). Persepsi Kegunaan, Kemudahan Penggunaan, Kemananan dan Privasi SSerta Kepercayaan dalam Penggunaan Zakat Online: Dengan Pendekatan TAM. Jurnal Ekonomi Syariah Teori Dan Terapan, 6(2), 331. https://doi.org/10.20473/VOL6ISS20192PP331-343
Wong, A. T. T. (2018). A Study of Consumer Acceptance of Mobile Payment Services in Hong Kong. Journal of Economics, Management and Trade, 21(3), 1–14. https://doi.org/10.9734/JEMT/2018/39472
Wong, K. T., bt Osman, R., Goh, P. S. C., & Rahmat, M. K. (2013). Understanding student teachers’ behavioural intention to use technology: Technology acceptance model (TAM) validation and testing. International Journal of Instruction, 6(1), 89–104.
Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and Intention to Pay Zakat : A Theory Planned Behavior View Evidence from Indonesian Muzakki. International Journal of Zakat, 5(1), 15–27.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 YMukhamad Yazid Afandi
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
