EXAMINING THE ROLE OF ZAKAT AWARNESS ON THE INFLUENCE OF ZAKAT LITERACY, INCOME LEVELS, AND SOCIAL PIETY TOWARD MUZAKI'S DIGITAL PAYMENT
Abstract
This research aims to investigate the various effects of zakat literacy, income, and social piety on the decision-making process of Muzaki while choosing digital payment as a means to satisfy their zakat responsibilities at Rumah Yatim Karawaci. The study focuses exclusively on a purposive sample technique, with a stated aim of identifying persons who are registered as Muzaki at Rumah Yatim Karawaci. This research utilizes a descriptive quantitative method and employs Partial Least Square (PLS) analysis using Smart PLS Version 3.0 as the analytical technique. The research utilized a structured questionnaire as the data gathering technique. The empirical findings demonstrate that having knowledge and understanding of zakat (zakat literacy) has a significant and favorable impact on the decision-making process of Muzaki (those who pay zakat) when choosing digital payment as the method for distributing zakat funds. The conclusion is supported by a T statistic value of 2.074 and a corresponding P value of 0.039. In contrast, the factors of income and social piety are not statistically significant in relation to Muzaki's decision-making. In addition, the study found that social piety strongly influences zakat awareness, as indicated by a T statistic of 4.814 and a P value of 0.000. However, there is no statistically significant evidence to suggest that zakat literacy and income have an impact on zakat awareness. Moreover, the results of the Specific Indirect Effects analysis suggest that awareness does not act as a mediator between zakat literacy and income. The implication of this finding are that the zakat collecting institutions should enforce the awareness’ of muzakkis by socializing the important of distributing zakat to the zakat collecting agencies and also spreading the dakwah to enhance the social piety of the muzakkis.
References
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Almasah, S., Bardai, B., & Al-Dubai, M. (2024). Moderating Role of Economic Development’s on Zakat Success Factors and Compliance: A Saudi Arabian Perspective. Economics, 13(2), 48–58. https://doi.org/10.11648/j.eco.20241302.12
Amelia, S., & Jamilah, S. (2022). The Influence of Income Level, Religiosity, and Social Environment on Muzakki’s Decision to Pay Zakat. Jurnal Ekonomi Trisakti, 2(1), 15–28. https://doi.org/10.25105/jet.v2i1.13552
Anderson, J. C., & Gerbing, D. W. (1988). Structural equation modeling in practice: A review and recommended two-step approach. Psychological Bulletin, 103(3), 411–423. https://doi.org/10.1037//0033-2909.103.3.411
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Arifin, J., Mubarok, F. K., & Fuadi, N. F. Z. (2022). The Effect of Zakat Literacy, Religiosity, and Income on the Decision to Pay Agricultural Zakat.International Journal of Zakat, 7(2), 115–123. https://doi.org/10.37706/ijaz.v7i2.444
Aristi, M. D., & Azhari, I. P. (2021). Pengaruh Akuntabilitas, Transparansi dan Kualitas Pelayanan terhadap Kepercayaan Muzakki dalam Menyalurkan Zakat pada BAZNAS Provinsi Riau. ECOUNTBIS: Economics, Accounting and Business Journal, 1(1), 121–135.
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Bonang, D., & Baihaqi, M. (2022). The Effect of Trust, Brand Awareness, and Social Piety in Donation Decisions Through Digital Platforms. ULUL ALBAB Jurnal Studi Islam, 23(2), 306–326. https://doi.org/10.18860/ua.v23i2.17596
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Canggih, C., Indrarini, R., & Prabowo, P. S. (2017). Zakat Literacy among University Students and Factors Influenced It. Proceedings of the 2nd International Conference on Economic Education and Entrepreneurship, Query date: 2021-11-02 19:39:26. https://doi.org/10.5220/0006882101460150
Chin, W. W., Peterson, R. A., & Brown, S. P. (2008). Structural Equation Modeling in Marketing: Some Practical Reminders. Journal of Marketing Theory and Practice, 16(4), 287–298. https://doi.org/10.2753/MTP1069-6679160402
Dimas Ananda, W., Al Gazali, A. G., & Anwar, A. Z. (2023). Jurnal Ekonomi Syariah Pelita Bangsa, 8(1), 61–72. https://doi.org/Doi.org/10.37366/jespb.v8i01.770
Febiana, N., Tanjung, H., & Hakiem, H. (2022). Pengaruh Literasi Zakat, Infaq, Shadaqah (ZIS), Kepercayaan, dan Brand Awareness terhadap Keputusan Menyalurkan Zakat dan Donasi Melalui Tokopedia: Studi pada Mahasiwa FAI Universitas Ibn Khaldun Bogor pada Angkatan 2017-2018. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5(2), 291=313.
Ferdana, A. D., Ridlwan, A. A., Canggih, C., & Fikriyah, K. (2022). Z Generation’s Intention to Use Zakat Digital Payment: The Mediating
Effect of Trust. ZISWAF: JURNAL ZAKAT DAN WAKAF, 9(2), 171.
Ghozali, I., & Latan, H. (2015). Partial Least Squares Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 untuk Penelitian Empiris (3rd ed.). Badan Penerbit Universitas Diponogoro.
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Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed a Silver Bullet. Journal of Marketing Theory and Practice, 19(2), 139–152. https://doi.org/10.2753/MTP1069-6679190202
Hanum, N. (2017). Analisis Pengaruh Pendapatan Terhadap Perilaku Konsumsi Mahasiswa Universitas Samudra di Kota Langsa. Jurnal Samudra Ekonomika, 1(2), Article 2. https://doi.org/10.1234/jse.v1i2.325
Haryono, S. (2016). Metode SEM untuk Penelitian Manajemen dengan AMOS, LISREL, PLS (1st ed.). PT. Intermedia Personalia Utama.
Hasanah, U., Maghfur, M., & Qomar, Moh. N. (2021). Literasi Zakat: Interpretasi Masyarakat Terhadap Kewajiban Membayar Zakat. Journal of Islamic Social Finance Management, 2(1), 83–92. https://doi.org/10.24952/jisfim.v2i1.3822
Hayati, F., Nursobah, A., & Rosenda, D. (2019). Establishing Student`s Social Piety through Religious Activities. Proceedings of the 3rd Asian Education Symposium (AES 2018). Proceedings of the 3rd Asian Education Symposium (AES 2018), Bandung, Indonesia. https://doi.org/10.2991/aes-18.2019.79
Imani, D. M. C. (2022). The Influence of Family Economic Conditions, Zakat Awareness, and Reference Groups on the Interest in Paying Zakat Mal. Jurnal Ekonmi Islam UNY, 10(1), 38–53.
Jamaludin, N. (2021). Literacy, Religiosity, and Awareness on Zakat of Millennials: Case Study on the Intention of Zakat among the Youth in Tangerang. 5th International Conference on Zakat 5th, 1.
Jamaludin, N. (2022). Millenials’ Digital Zakat Payment Intensity During the Covid-19 Pandemic. 5th International Conference on Zakat 5th, 1, 33–50.
Jamaludin, N., & Aminah, S. (2021). Efektifitas Digitalisasi Penghimpunan Dana Zakat pada Badan Amil Zakat Nasional (BAZNAS) Kota Tangerang. Management of Zakat and Waqf Journal (MAZAWA), 2(2), 180–208. https://doi.org/10.15642/mzw.2021.2.2.180-208
Jamaludin, N., & Soleha, A. D. (2022). Peran model penerimaan teknologi, literasi digital dan promosi sosial media dalam meningkatkan kesadaran dalam membayar zakat secara online. Journal of Islamic Philanthropy and Disaster (JOIPAD), 2(2), 137–166.
Kartika, I. K. (2020). Pengaruh Pendapatan Terhadap Minat Membayar Zakat Dengan Kesadaran Sebagai Variabel Intervening (Studi Kasus Muzakki di BAZNAS Salatiga). Jurnal Ilmiah Ekonomi Islam, 6(1), Article 1. https://doi.org/10.29040/jiei.v6i1.558
Kemenag RI. (2023, February 20). Rakornas Zakat 2023, Menag: Literasi Kunci Pengelolaan Zakat Nasional [Www.kemenag.go.id]. https://kemenag.go.id/nasional/rakornas-zakat-2023-menag-literasi-kunci- pengelolaan-zakat-nasional-c4l1ma
Kurniaputri, M. R., Dwihapsari, R., Huda, N., & Rini, N. (2020). INTENSI PERILAKU DAN RELIGIUSITAS GENERASI MILLENIALS TERHADAP KEPUTUSAN PEMBAYARAN ZIS MELALUI PLATFORM DIGITAL. Eqien: Jurnal Ekonomi dan Bisnis, 7(2), 15–22. https://doi.org/10.34308/eqien.v7i2.134
Latumeten, R., Lesnussa, Y. A., & Rumlawang, F. Y. (2018). Penggunaan Structural Equation Modeling (Sem) untuk Menganalisis Faktor yang Mempengaruhi Loyalitas Nasabah (Studi Kasus: PT Bank Negara Indonesia (BNI) KCU Ambon). Sainmatika: Jurnal Ilmiah Matematika dan Ilmu Pengetahuan Alam, 15(2), 76.
Mahbubatun Nafiah, Ahmad Supriyadi, & Elok Fitriani Rafikasari. (2023). Pengaruh Literasi Zakat Terhadap Minat Muzakki Membayar Zakat Pada Baznas Tulungagung Dengan Tingkat Kesadaran Dan Religiusitas Sebagai Variabel Intervening. Juremi: Jurnal Riset Ekonomi, 3(1), 1–12. https://doi.org/10.53625/juremi.v3i1.5782
Muhammad, T., & Ngah, B. bin. (2020). Islamic Financial Institutions And Their Impact On The Development Of Halal SMEs In Nigeria. AZKA International Journal of Zakat & Social Finance, 01–24. https://doi.org/10.51377/azjaf.vol1no01.6
Munir, S. (2023). Integration of Social Regulations and Zakat Management Regulations as National Efforts to Alleviate Poverty. 10.
Muslimah, K. C. & Asrori. (2022). Internalisasi Nilai Keislaman pada Peserta Didik: Melibatkan Program Kaleng Filantropis Cilik sebagai Kesalehan Sosial dalam Pendidikan Islam. Jurnal Pendidikan Agama Islam Al- Thariqah, 7(1), 182–198. https://doi.org/10.25299/al- thariqah.2022.vol7(1).9777
Novitasari, D. A., & Yaskun, M. (2019). ANALISIS REGRESI LOGISTIK ORDINAL PADA KEPUASAAN PELANGGAN MEBEL LAMONGAN. JURNAL MANAJEMEN, 4(1), 841.
https://doi.org/10.30736/jpim.v4i1.226
Othman, Y., & Fisol, W. N. M. (2017). Islamic Religiosity, Attitude and Moral Obligation on Intention of Income Zakat Compliance: Evidence from Public Educators in Kedah. International Journal of Academic Research in Business and Social Sciences, 7(2).
Republika. (2022, January 11). Pengumpulan Zakat Naik Berkat Transaksi Digital. Republika Online, 1.
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Published
2024-09-26
How to Cite
JAMALUDIN, Nur et al.
EXAMINING THE ROLE OF ZAKAT AWARNESS ON THE INFLUENCE OF ZAKAT LITERACY, INCOME LEVELS, AND SOCIAL PIETY TOWARD MUZAKI'S DIGITAL PAYMENT.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 10, n. 1, p. 1-16, sep. 2024.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/2781>. Date accessed: 15 may 2026.
Section
Articles
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