DIGITAL LITERACY FOR COMMUNITY READINESS IN THE USE OF BLOCKCHAIN TECHNOLOGY FOR ZAKAT PAYMENTS
Abstract
Islamic financial products with the potential to alleviate poverty include waqf funds, sadaqah, infaq, and zakat. However, a lack of popularity and a number of managerial issues have prevented zakat, infaq, sadaqah, and waqf money from being administered as well as they could have. Zakat management organizations must to adjust to the most recent technology developments in light of these problems. By applying the Technology Readiness Index (TRI) methodology, this study seeks to investigate the preparedness of the Muslim community for the use of blockchain technology for zakat payments. The study population consists of Muslims who have a personal income that reaches the nisab (equivalent to 85 grams of gold within a year) and possess good digital literacy. Purposive sampling was used to choose the 100 respondents who make up the target sample, which was established based on statistical power analysis to guarantee accurate results. Questionnaires were used for data collection, and basic linear regression was used for data analysis. The study's findings show that the community's willingness to use blockchain technology for zakat payments is strongly influenced by digital literacy.
References
Adhitama, R., Wijayanto, A., & Kusumawardani, D. M. (2022). Analisis Tingkat Kesiapan Pengguna Sistem Informasi Koreksi Essay Otomatis Berbasis Web Menggunakan Model Technology Readiness Index (TRI). J. Sistem Info. Bisnis, 11(2), 161–167. https://doi.org/https://doi.org/10.21456/vol11iss2pp161-167
Adnan, N. I. M., Roselam, M. A. C., Hamat, Z., & Furqani, H. (2021). The Distribution of Zakat Fund to the Poor Entrepreneurs Using Micro Finance. International Journal of Academic Research in Business and Social Sciences, 11(2), 231–240. https://doi.org/https://doi.org/10.6007/ijarbss/v11-i2/8666
Affan, M. W., & Ustman. (2022). Analisis Penggunaan Fintech : Perspektif Technology Acceptance Model. Jurnal Riset Akuntansi Dan Keuangan, 10(1), 31–40. https://doi.org/https://doi.org/10.17509/jrak.v10i1.34836
Ajwang, S. O., Abila, J. O., & Tejero-Dakay, I. (2021). Adoption Conceptual Model for Intelligent Waste Management in Smart Cities: Theoretical Review. International Journal of Computing Sciences Research, 5(1), 426–440. https://doi.org/https://doi.org/10.25147/ijcsr.2017.001.1.50
Alharbi, A., & Sohaib, O. (2021). Technology Readiness and Cryptocurrency Adoption: PLS-SEM and Deep Learning Neural Network Analysis. IEEE Access, 9, 21388–21394. https://doi.org/https://doi.org/10.1109/ACCESS.2021.3055785
Ali, S., Khalid, N., Javed, H. M. U., & Islam, D. M. Z. (2021). Consumer adoption of online food delivery ordering (Ofdo) services in pakistan: The impact of the covid-19 pandemic situation. Journal of Open Innovation: Technology, Market, and Complexity, 7(1), 1–23. https://doi.org/https://doi.org/10.3390/joitmc7010010
Amilia, S., Dewi, U. J., Puspita, A., Hendrawan, U. J., & Putra, S. (2020). KESIAPAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) MENERAPKAN STANDAR AKUNTANSI KEUANGAN ENTITAS MIKRO KECIL DAN MENENGAH (SAK EMKM) (Studi Empiris pada UMKM di Kabupaten Jember). Jurnal Akuntansi Universitas Jember, 18(2), 102–108.
Ariani, A. F., Napitupulu, D., Jati, R. K., Kadar, J. A., & Syafrullah, M. (2018). Testing of technology readiness index model based on exploratory factor analysis approach. Journal of Physics: Conference Series, 1007(1). https://doi.org/https://doi.org/10.1088/1742-6596/1007/1/012043
Azizah, A. S. N., & Irfan. (2020). FENOMENA CRYPTOCURRENCY DALAM PERSPEKTIF HUKUM ISLAM. Shautuna, 1(1), 62–80.
Buckley, R. P., & Webster, S. (2016). FinTech in Developing Countries: Charting New Customer Journeys. Forthcoming: Journal of Financial Transformation, 44.
Budiaji, W. (2013). Skala Pengukuran dan Jumlah Respon Skala Likert. Jurnal Ilmu Pertanian Dan Perikanan, 2, 127–133.
Casino, F., Dasaklis, T. K., & Patsakis, C. (2019). A systematic literature review of blockchain-based applications: Current status, classification and open issues. Telematics and Informatics, 36(May 2018), 55–81. https://doi.org/https://doi.org/10.1016/j.tele.2018.11.006
Cole, R., Stevenson, M., & Aitken, J. (2020). Blockchain technology: Implications for operations and supply chain management. Supply Chain Management, 24(4), 469–483.
Darmiono, D., & Pratiwi, R. (2024). Analysis of the Relationship Between E-Commerce Business and Technology-Based Accounting Information Systems with Company Audit Needs. West Science Information System and Technology, 2(1), 73–80.
Djaali. (2018). Psikologi Pendidikan. Bumi Aksara.
Faizani, S. N., & Indriyanti, A. D. (2021). Analisis Pengaruh Technology Readiness terhadap Perceived Usefulness dan Perceived Ease of Use terhadap Behavioral Intention dari Quick Response Indonesian Standard (QRIS) untuk Pembayaran Digital. Journal of Emerging Information, 2(2), 85–93.
Hoque, N., Khan, M. A., & Mohammad, K. D. (2015). Poverty alleviation by Zakah in a transitional economy: a small business entrepreneurial framework. Journal of Global Entrepreneurship Research, 5(1). https://doi.org/https://doi.org/10.1186/s40497-015-0025-8
Huda, N., Pratiwi, A., Munandar, A., Tinggi, S., & Bima, I. E. (2023). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Kinerja UMKM Kota Bima. Jurnal Bisnis Net, 6(1), 216–224.
Ismail, K. A., & Wahid, N. A. (2020). A Review On Technology Readiness Concept To Explain Consumer’s Online Purchase Intention. INTERNATIONAL JOURNAL OF INDUSTRIAL MANAGEMENT (IJIM), 6(2000), 49–57.
Kasri, R. A. (2017). Determinants of Poverty amongst Zakah Recipients in Indonesia: A Household Level Analysis. International Journal of Islamic Economics and Finance Studies, 3(3), 30–40. https://doi.org/https://doi.org/10.25272/j.2149-8407.2017.3.3.03
Khatiman, M. N. A. Bin, Ismail, M. S. Bin, & Yahya, N. (2021). Blockchain-based Zakat Collection to Overcome the Trust Issues of Zakat Payers. International Journal on Perceptive and Cognitive Computing (IJPCC), 7(1), 1.
Lemieux, V. L. (2019). Blockchain and Public Record Keeping: Of Temples, Prisons, and the (Re)Configuration of Power. Frontiers in Blockchain, 2(July). https://doi.org/https://doi.org/10.3389/fbloc.2019.00005
Mahri, A. J. W., Hermawan, R., & Ahmad, I. (2023). Society Readiness Index using Blockchain Technology in Zakat Payments : Technology Readiness Index Approach. Jurnal UPI, 1(June), 1–22.
Medias, F. (2017). Bank Wakaf: Solusi Pemberdayaan Sosial Ekonomi Indonesia. Indonesian Journal of Islamic Literature and Muslim Society, 2(1), 61–84. https://doi.org/https://doi.org/10.22515/islimus.v2i1.749
Nugroho, M. A., & Andryzal Fajar, M. (2017). Effects of Technology Readiness Towards Acceptance of Mandatory Web-Based Attendance System. Procedia Computer Science, 124, 319–328. https://doi.org/https://doi.org/10.1016/j.procs.2017.12.161
Nurdiansyah, Y., & Jayanto, A. D. (2021). Pengukuran Kesiapan Pengguna Aplikasi Face to Face Polsek Semboro Menggunakan Metode TRI (Technology Readiness Index). Prosiding Seminar Nasional Sains Teknologi Dan Inovasi Indonesia (SENASTINDO), 3(November), 135–144. https://doi.org/https://doi.org/10.54706/senastindo.v3.2021.155
Nurzaman, M. S. (2016). Evaluating the Impact of Productive Based Zakat in The Perspective of Human Development Index: A Comparative Analysis Figure 1 Collection of Zakat Fund (IDR - Billion). Kyoto Bulletin of Islamic Area Studies, 9(29), 9(29), 42–62.
Oktadini, N. R., Fernando, J., Sevtiyuni, P. E., Buchari, M. A., Putra, P., & Meiriza, A. (2022). Measuring Technology Readiness Index (TRI) of Management Information System Adoption in Higher Education. Ultima Infosys : Jurnal Ilmu Sistem Informasi, 13(2), 94–99.
Panday, R., Wibowo, A., & Mardiah, S. (2019). Analisis Technology Readiness Acceptance Penggunaan Komputer dan Teknologi Informasi Pada Manajemen Proyek Kontraktor. Jurnal Ilmiah Manajemen Ubhara, 1(1).
https://doi.org/https://doi.org/10.31599/jmu.v6i1.492
Parasuraman, A. (2000). Technology Readiness Index (TRI): A Multiple-Item Scale to Measure Readiness to Embrace New Technology. Journal of Service Research, 2(4).
Pradipta, A. D., & Resen, P. T. K. (2019). Kesiapan Penerimaan Teknologi Bagi Dosen dalam IMISSU di Universitas Udayana. Jurnal Ilmiah Widya Sosiopolitika, 1(1), 15–25.
Rashid, S. K. (2018). Potential of Waqf in contemporary world. Journal of King Abdulaziz University, Islamic Economics, 31(2), 53–69.
https://doi.org/https://doi.org/10.4197/Islec.31-2.4
Rokhlinasari, S., & Widagdo, R. (2023). Zakat, Keuangan Inklusif, dan Instrumen Keuangan dalam Mewujudkan SDGS, dan Maqashid Syariah. CV. Elsi Pro.
Saleh, H., Avdoshin, S., & Dzhonov, A. (2019). Platform for tracking donations of charitable foundations based on blockchain technology. Proceedings - 2019 Actual Problems of Systems and Software Engineering, APSSE 2019, November, 182–187. https://doi.org/https://doi.org/10.1109/APSSE47353.2019.00031
Sari, D. F., Beik, I. S., & Rindayati, W. (2019). Investigating the Impact of Zakat on Poverty Alleviation: A Case from West Sumatra, Indonesia. International Journal of Zakat, 4(2), 2019–2020.
Sekaran, U., & Bougie, R. (2017). Metode Penelitian Untuk Bisnis: Pendekatan Pengembangan Keahlian. Salemba Empat.
Shariff, A., Hazlina, W. N., Jusoh, W., & Jusoff, K. (2014). A Robust Zakah System: Towards a Progressive Socio-Economic Development in Malaysia Faculty of Business Corporate Social Responsibility of Islamic Banks View project Zakah Development in Malaysia View project. January.
Soebardi, R. (2020). Perilaku inovatif. Jurnal Psikologi Ulayat, 1(1), 57–74. https://doi.org/https://doi.org/10.24854/jpu4
Tiffani, I. (2023). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Preferensi Bank Digital. Journal Management, Business, and Accounting, 22(1), 152–167.
Utomo, M. N. (2020). Penerapan E-Money dalam Perspektif Syariah Islam. Opini, September, 4.
Wibisono, Y. (2015). Mengelola Zakat Indonesia Diskursus Pengelolaan Zakat Nasional dari Rezim Undang-Undang No. 38 Tahun 1999 ke Rezim Undang-Undang No. 23 Tahun 2011. Prenadamedia Group.
Adnan, N. I. M., Roselam, M. A. C., Hamat, Z., & Furqani, H. (2021). The Distribution of Zakat Fund to the Poor Entrepreneurs Using Micro Finance. International Journal of Academic Research in Business and Social Sciences, 11(2), 231–240. https://doi.org/https://doi.org/10.6007/ijarbss/v11-i2/8666
Affan, M. W., & Ustman. (2022). Analisis Penggunaan Fintech : Perspektif Technology Acceptance Model. Jurnal Riset Akuntansi Dan Keuangan, 10(1), 31–40. https://doi.org/https://doi.org/10.17509/jrak.v10i1.34836
Ajwang, S. O., Abila, J. O., & Tejero-Dakay, I. (2021). Adoption Conceptual Model for Intelligent Waste Management in Smart Cities: Theoretical Review. International Journal of Computing Sciences Research, 5(1), 426–440. https://doi.org/https://doi.org/10.25147/ijcsr.2017.001.1.50
Alharbi, A., & Sohaib, O. (2021). Technology Readiness and Cryptocurrency Adoption: PLS-SEM and Deep Learning Neural Network Analysis. IEEE Access, 9, 21388–21394. https://doi.org/https://doi.org/10.1109/ACCESS.2021.3055785
Ali, S., Khalid, N., Javed, H. M. U., & Islam, D. M. Z. (2021). Consumer adoption of online food delivery ordering (Ofdo) services in pakistan: The impact of the covid-19 pandemic situation. Journal of Open Innovation: Technology, Market, and Complexity, 7(1), 1–23. https://doi.org/https://doi.org/10.3390/joitmc7010010
Amilia, S., Dewi, U. J., Puspita, A., Hendrawan, U. J., & Putra, S. (2020). KESIAPAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) MENERAPKAN STANDAR AKUNTANSI KEUANGAN ENTITAS MIKRO KECIL DAN MENENGAH (SAK EMKM) (Studi Empiris pada UMKM di Kabupaten Jember). Jurnal Akuntansi Universitas Jember, 18(2), 102–108.
Ariani, A. F., Napitupulu, D., Jati, R. K., Kadar, J. A., & Syafrullah, M. (2018). Testing of technology readiness index model based on exploratory factor analysis approach. Journal of Physics: Conference Series, 1007(1). https://doi.org/https://doi.org/10.1088/1742-6596/1007/1/012043
Azizah, A. S. N., & Irfan. (2020). FENOMENA CRYPTOCURRENCY DALAM PERSPEKTIF HUKUM ISLAM. Shautuna, 1(1), 62–80.
Buckley, R. P., & Webster, S. (2016). FinTech in Developing Countries: Charting New Customer Journeys. Forthcoming: Journal of Financial Transformation, 44.
Budiaji, W. (2013). Skala Pengukuran dan Jumlah Respon Skala Likert. Jurnal Ilmu Pertanian Dan Perikanan, 2, 127–133.
Casino, F., Dasaklis, T. K., & Patsakis, C. (2019). A systematic literature review of blockchain-based applications: Current status, classification and open issues. Telematics and Informatics, 36(May 2018), 55–81. https://doi.org/https://doi.org/10.1016/j.tele.2018.11.006
Cole, R., Stevenson, M., & Aitken, J. (2020). Blockchain technology: Implications for operations and supply chain management. Supply Chain Management, 24(4), 469–483.
Darmiono, D., & Pratiwi, R. (2024). Analysis of the Relationship Between E-Commerce Business and Technology-Based Accounting Information Systems with Company Audit Needs. West Science Information System and Technology, 2(1), 73–80.
Djaali. (2018). Psikologi Pendidikan. Bumi Aksara.
Faizani, S. N., & Indriyanti, A. D. (2021). Analisis Pengaruh Technology Readiness terhadap Perceived Usefulness dan Perceived Ease of Use terhadap Behavioral Intention dari Quick Response Indonesian Standard (QRIS) untuk Pembayaran Digital. Journal of Emerging Information, 2(2), 85–93.
Hoque, N., Khan, M. A., & Mohammad, K. D. (2015). Poverty alleviation by Zakah in a transitional economy: a small business entrepreneurial framework. Journal of Global Entrepreneurship Research, 5(1). https://doi.org/https://doi.org/10.1186/s40497-015-0025-8
Huda, N., Pratiwi, A., Munandar, A., Tinggi, S., & Bima, I. E. (2023). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Kinerja UMKM Kota Bima. Jurnal Bisnis Net, 6(1), 216–224.
Ismail, K. A., & Wahid, N. A. (2020). A Review On Technology Readiness Concept To Explain Consumer’s Online Purchase Intention. INTERNATIONAL JOURNAL OF INDUSTRIAL MANAGEMENT (IJIM), 6(2000), 49–57.
Kasri, R. A. (2017). Determinants of Poverty amongst Zakah Recipients in Indonesia: A Household Level Analysis. International Journal of Islamic Economics and Finance Studies, 3(3), 30–40. https://doi.org/https://doi.org/10.25272/j.2149-8407.2017.3.3.03
Khatiman, M. N. A. Bin, Ismail, M. S. Bin, & Yahya, N. (2021). Blockchain-based Zakat Collection to Overcome the Trust Issues of Zakat Payers. International Journal on Perceptive and Cognitive Computing (IJPCC), 7(1), 1.
Lemieux, V. L. (2019). Blockchain and Public Record Keeping: Of Temples, Prisons, and the (Re)Configuration of Power. Frontiers in Blockchain, 2(July). https://doi.org/https://doi.org/10.3389/fbloc.2019.00005
Mahri, A. J. W., Hermawan, R., & Ahmad, I. (2023). Society Readiness Index using Blockchain Technology in Zakat Payments : Technology Readiness Index Approach. Jurnal UPI, 1(June), 1–22.
Medias, F. (2017). Bank Wakaf: Solusi Pemberdayaan Sosial Ekonomi Indonesia. Indonesian Journal of Islamic Literature and Muslim Society, 2(1), 61–84. https://doi.org/https://doi.org/10.22515/islimus.v2i1.749
Nugroho, M. A., & Andryzal Fajar, M. (2017). Effects of Technology Readiness Towards Acceptance of Mandatory Web-Based Attendance System. Procedia Computer Science, 124, 319–328. https://doi.org/https://doi.org/10.1016/j.procs.2017.12.161
Nurdiansyah, Y., & Jayanto, A. D. (2021). Pengukuran Kesiapan Pengguna Aplikasi Face to Face Polsek Semboro Menggunakan Metode TRI (Technology Readiness Index). Prosiding Seminar Nasional Sains Teknologi Dan Inovasi Indonesia (SENASTINDO), 3(November), 135–144. https://doi.org/https://doi.org/10.54706/senastindo.v3.2021.155
Nurzaman, M. S. (2016). Evaluating the Impact of Productive Based Zakat in The Perspective of Human Development Index: A Comparative Analysis Figure 1 Collection of Zakat Fund (IDR - Billion). Kyoto Bulletin of Islamic Area Studies, 9(29), 9(29), 42–62.
Oktadini, N. R., Fernando, J., Sevtiyuni, P. E., Buchari, M. A., Putra, P., & Meiriza, A. (2022). Measuring Technology Readiness Index (TRI) of Management Information System Adoption in Higher Education. Ultima Infosys : Jurnal Ilmu Sistem Informasi, 13(2), 94–99.
Panday, R., Wibowo, A., & Mardiah, S. (2019). Analisis Technology Readiness Acceptance Penggunaan Komputer dan Teknologi Informasi Pada Manajemen Proyek Kontraktor. Jurnal Ilmiah Manajemen Ubhara, 1(1).
https://doi.org/https://doi.org/10.31599/jmu.v6i1.492
Parasuraman, A. (2000). Technology Readiness Index (TRI): A Multiple-Item Scale to Measure Readiness to Embrace New Technology. Journal of Service Research, 2(4).
Pradipta, A. D., & Resen, P. T. K. (2019). Kesiapan Penerimaan Teknologi Bagi Dosen dalam IMISSU di Universitas Udayana. Jurnal Ilmiah Widya Sosiopolitika, 1(1), 15–25.
Rashid, S. K. (2018). Potential of Waqf in contemporary world. Journal of King Abdulaziz University, Islamic Economics, 31(2), 53–69.
https://doi.org/https://doi.org/10.4197/Islec.31-2.4
Rokhlinasari, S., & Widagdo, R. (2023). Zakat, Keuangan Inklusif, dan Instrumen Keuangan dalam Mewujudkan SDGS, dan Maqashid Syariah. CV. Elsi Pro.
Saleh, H., Avdoshin, S., & Dzhonov, A. (2019). Platform for tracking donations of charitable foundations based on blockchain technology. Proceedings - 2019 Actual Problems of Systems and Software Engineering, APSSE 2019, November, 182–187. https://doi.org/https://doi.org/10.1109/APSSE47353.2019.00031
Sari, D. F., Beik, I. S., & Rindayati, W. (2019). Investigating the Impact of Zakat on Poverty Alleviation: A Case from West Sumatra, Indonesia. International Journal of Zakat, 4(2), 2019–2020.
Sekaran, U., & Bougie, R. (2017). Metode Penelitian Untuk Bisnis: Pendekatan Pengembangan Keahlian. Salemba Empat.
Shariff, A., Hazlina, W. N., Jusoh, W., & Jusoff, K. (2014). A Robust Zakah System: Towards a Progressive Socio-Economic Development in Malaysia Faculty of Business Corporate Social Responsibility of Islamic Banks View project Zakah Development in Malaysia View project. January.
Soebardi, R. (2020). Perilaku inovatif. Jurnal Psikologi Ulayat, 1(1), 57–74. https://doi.org/https://doi.org/10.24854/jpu4
Tiffani, I. (2023). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Preferensi Bank Digital. Journal Management, Business, and Accounting, 22(1), 152–167.
Utomo, M. N. (2020). Penerapan E-Money dalam Perspektif Syariah Islam. Opini, September, 4.
Wibisono, Y. (2015). Mengelola Zakat Indonesia Diskursus Pengelolaan Zakat Nasional dari Rezim Undang-Undang No. 38 Tahun 1999 ke Rezim Undang-Undang No. 23 Tahun 2011. Prenadamedia Group.
Published
2024-09-26
How to Cite
BAGRAFF, Halida Achmad; DARMIONO, Darmiono.
DIGITAL LITERACY FOR COMMUNITY READINESS IN THE USE OF BLOCKCHAIN TECHNOLOGY FOR ZAKAT PAYMENTS.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 10, n. 1, p. 95-104, sep. 2024.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/2889>. Date accessed: 14 may 2026.
Section
Articles
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
