THE INFLUENCE OF WAQF LITERACY, RELIGIOSITY, AND TRUST IN WAQF MANAGEMENT INSTITUTIONS ON WAQF DECISIONS
Abstract
This study examines the impact of Islamic financial literacy, religiosity, and trust in waqf institutions on waqif decisions to endow funds. Using decision theory, this study uses quantitative methods with the Partial Least Squares-Structural Equation Model (PLS-SEM) approach. This study involved 182 graduate students of the State Islamic University of Malang as respondents. Data were collected through an online questionnaire and analyzed using SmartPLS software. The results showed that Islamic financial literacy significantly positively affects waqf decisions, emphasizing the role of understanding in encouraging waqf contributions. Religiosity also positively affects waqf decisions, reflecting the importance of spiritual motivation. In addition, trust in waqf institutions plays the most dominant role, where transparency and accountability increase public trust and encourage participation. The findings highlight the need for strategic efforts to improve waqf literacy, strengthen religiosity, and build trust to optimize waqf potential. This research provides input to waqf regulators and nazirs to continuously improve literacy and education on waqf as well as transparency of managed waqf funds, to increase public trust in waqf institutions.
References
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Irmayani, Irmayani, and Salmah Pattisahusiwa. “Akuntabilitas Dan Transparansi Pengelolaan Dana Zakat, Infak, Sedekah, Dan Wakaf (Ziswaf) Pada Baitulmaal Munzalan Indonesia (BMI) Cabang Samarinda.” Jurnal Ilmu Akuntansi Mulawarman (JIAM), 2023.
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Triyatno, Ghazy, and M. Lutfi Mustofa. “Epistemologi Wakaf Keluarga: Pemahaman, Tanggung Jawab Dan Pengelolaan Harta Dalam Perspektif Ilmu Pengetahuan.” Iqtisad: Reconstruction of Justice and Welfare for Indonesia 11, no. 1 (2024): 79. https://doi.org/10.31942/iq.v11i1.10980.
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Ayuningsih, Ambar, and Qi Mangku Bahjatullah. “Pengaruh Strategi Fundraising Wakaf, Literasi Wakaf, Dan Citra Lembaga Terhadap Minat Berwakaf Dengan Religiusitas Sebagai Variabel Moderating (Studi Lembaga Wakaf Muhammadiyah Kabupaten Lamongan).” Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah 8, no. 3 (2023): 364–74.
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Darmansyah, Dina Febriani, and Moh Khoirul Anam. “Optimization of Integrated Waqf Management And Productive Zakat Funds.” Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 2 (2023): 3890–3901. https://doi.org/10.47467/alkharaj.v6i2.3879.
David, F. R. Manajemen Strategi, Manajemen Strategi Konsep. Manajemen Strategi Perbankan Syariah. Vol. 13. Jakarta: Prenhalindo, 2016.
El-Bantanie, Muhammad Syafi’ie. “Meluruskan Paradigma Wakaf.” Dompet Dhuafa Republika, 2024. https://www.dompetdhuafa.org/paradigma-wakaf/.
Elimartati, E. “The Development of the Role of Zakat Funds, Infak, Alms and Waqf Towards the Growth of Iknb.” PROCEEDING IAIN Batusangkar, 2018. https://ojs.iainbatusangkar.ac.id/ojs/index.php/proceedings/article/view/777%0Ahttps://ojs.iainbatusangkar.ac.id/ojs/index.php/proceedings/article/download/777/725.
Faisal, Muhammad. “Sikap, Norma Subjektif, Religiusitas, Dan Partisipasi Terhadap Wakaf Tunai.” Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam 4, no. 2 (2020): 235. https://doi.org/10.31332/lifalah.v4i2.1548.
Fathony, Alvan, and Saifuddin. “Tinjauan Fikih Muamalah Terhadap Zakat Produktif Dan Wakaf Produktif Dalam Menjalankan Fungsi Sosial.” At-Tasyri’: Jurnal Hukum Dan Ekonomi Syariah 5, no. 02 (2024): 138–52. https://doi.org/10.55380/tasyri.v5i02.767.
Ferdinand, Augusty. Metode Penelitian Manajemen: Pedoman Penelitian Untuk Skripsi. Tesis Dan Disertai Ilmu Manajemen. Semarang: Universitas Diponegoro. Semarang: Badan Penerbit Universitas Diponegoro, 2016.
Firlianti, Rafika Akib, Siti Nur Ariska, and Jumawan Jasman. “Literasi Keuangan Dan Perilaku Keuangan Syariah Mahasiswa Um.Palopo: Mediasi Financial Technologi Dan Personal Finance.” JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi). 10, no. 2 (2023): 944–62. https://doi.org/10.35794/jmbi.v10i2.46353.
Fitriyah, Masfiatun, and Mohammad Nizarul Alim. “Pengaruh Prinsip Good Governance, Promosi, Dan Religiusitas Terhadap Minat Wakif Berwakaf Tunai Pada Nazhir Wakaf Uang (Nwu) Di Lamongan.” Wacana Equiliberium (Jurnal Pemikiran Penelitian Ekonomi) 10, no. 02 (2022): 41–54. https://doi.org/10.31102/equilibrium.10.02.41-54.
Hasanah, Niswatun, and Maha. “Wakaf Uang: Pengaruh Kognisi, Religiusitas, Danpersepsi Kemudahan Terhadap Minat Berwakaf.” QIEMA (Qomaruddin Islamic Economy Magazine) 8, no. 2 (2022): 179–206.
Hiyanti, Hida, Tettet Fitrijanti, and Citra Sukmadilaga. “Intensi Berwakaf Pada Cash Waqf Linked Sukuk.” Jurnal Ilmiah MEA (Manajemen, Ekonomi Dan Akuntansi) 4, no. 3 (2020): 4.
Iqbal Imari, Ghazy Triyatno, Ahmad Suminto, and Mohammad Zen Nasrudin Fajri. “SWOT Analysis of Cash Waqf Fundraising Strategies in Waqaf-Based Educational Institutions: Case Study at Modern Islamic Boarding School.” The 10th Islamic Banking, Accounting, and Finance International Conference, 2022, 552–64. https://oarep.usim.edu.my/jspui/handle/123456789/17732.
Iqbal, Iqbal fadli muhammad. “Analysis of Zakat and Waqf Literacy Class Program in the Covid-19 Period.” Jurnal Bimas Islam 13, no. 2 (2020): 259–88. https://doi.org/10.37302/jbi.v13i2.285.
Irmayani, Irmayani, and Salmah Pattisahusiwa. “Akuntabilitas Dan Transparansi Pengelolaan Dana Zakat, Infak, Sedekah, Dan Wakaf (Ziswaf) Pada Baitulmaal Munzalan Indonesia (BMI) Cabang Samarinda.” Jurnal Ilmu Akuntansi Mulawarman (JIAM), 2023.
Karnawijaya, Ning, and Deshinta Maharani. “Identifikasi Kendala Dalam Strategi Fundraising Wakaf Online Di Global Wakaf Surakarta.” Filantropi : Jurnal Manajemen Zakat Dan Wakaf 1, no. 2 (2020): 122–40. https://doi.org/10.22515/finalmazawa.v1i2.2844.
Kusumaningtyas, Esa Ayu, M Maulana Asegaf, and Basar Dikuraisyin. “Human Capital Sebagai Strategi Pengembangan Sumber Daya Profesional Di Lembaga Zakat Nurul Hayat.” Filantropi : Jurnal Manajemen Zakat Dan Wakaf, 2022. https://doi.org/10.22515/finalmazawa.v2i2.4847.
Latif, Abdul, Imam Haryadi, and Adib Susilo. “Pengaruh Pemahaman Wakaf Terhadap Niat Berwakaf Tunai Jama’ah Masjid Di Kecamatan Kota Ponorogo.” Islamic Economics Journal 7, no. 1 (2021): 31. https://doi.org/10.21111/iej.v7i1.5410.
Lusardi, Annamaria, and Olivia Mitchelli. “Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education.” Business Economics 42, no. 1 (2007): 35–44. https://doi.org/10.2145/20070104.
Maisaroh, Siti, and Totok Wibisono. “Pengaruh Media Sosial, Kepercayaan, Dan Persepsi Manfaat Terhadap Keputusan Pembelian Online.” Jurnal Fokus Manajemen Bisnis 12, no. 1 (2022): 16–29. https://doi.org/10.12928/fokus.v12i1.5708.
Mardiyah, Muthmainah. “Faktor- Faktor Yang Mempengaruhi Minat Wakif Dalam Berwakaf Uang (Studi Pada Wakaf Al-Azhar).” Repository.Uinjkt.Ac.Id. Universitas Islam Negeri Syarif Hidayatullah Jakarta, 2022. https://repository.uinjkt.ac.id/dspace/handle/123456789/61392.
Mariyati, Lely Ika, and Hazim. “Apakah Kebahahagiaan Dapat Mendorong Seseorang Membantu Sesama? Peranan Mediasi Psychological Well-Being Antara Religiusitas Dan Filantropi Pada Anggota Aisyiyah Sidoarjo.” G-Couns: Jurnal Bimbingan Dan Konseling 8, no. 2 (2024): 880–93. https://doi.org/10.31316/gcouns.v8i2.5741.
Nuzulia, Atina. “Faktor-Faktor Yang Mempengaruhi Optimalisasi Pengelolaan Wakaf Produktif Pada Badan Wakaf Indonesia Di Provinsi Riau.” Angewandte Chemie International Edition, 6(11), 951–952. VIII, no. I (1967): 5–24. https://jurnal.uinsu.ac.id/index.php/tawassuth/article/view/15135.
Philip, Kotler, Z.D. Tamimi, Enna R.A. Rivai, and Rudy Sitompul. Manajemen Pemasaran: Analysis, Perencanaan Dan Pengendalian. Penerbit Erlangga, 1983.
Rabbani Lubis, Ali Akhbar Abaib Mas, Abdur Rozaki, and Khoiruddin Khoiruddin. “Representation and Capabilities of Non-Muslim Chinese Women as Regional Heads in Singkawang City: a Siyasah Dusturiyyah Analysis.” Al-Tahrir: Jurnal Pemikiran Islam 23, no. 2 (2023): 357–88. https://doi.org/10.21154/altahrir.v23i2.6011.
Rasela, Fitriani. “Pengaruh Literasi Wakaf Terhadap Minat Mahasiswa Berwakaf Pada Forum Wakaf Mahasiswa Indonesia.” Jurnal Riset Perbankan Syariah, 2022, 69–76. https://journals.unisba.ac.id/index.php/JRPS/article/view/969.
Rofiq, Ainur. “Wealth Management Strategi Pengelolaan Asset:Transparansi, Akuntabilitas, Efektifitas, Efisiensi.” Al-Tanzim : Jurnal Manajemen Pendidikan Islam 1, no. 1 (2017): 64–75. https://doi.org/10.33650/al-tanzim.v1i1.28.
Ruwaidah, Siti Homisyah. “Pengaruh Literasi Keuangan Syariah Dan Shariah Governance Terhadap Keputusan Mahasiswa Dalam Menggunakan Jasa Perbankan Syariah.” Muhasabatuna : Jurnal Akuntansi Syariah 2, no. 1 (2020): 79. https://doi.org/10.54471/muhasabatuna.v2i1.706.
Schiffman, Leon G., and Leslie Lazar Kanuk. Consumer Behavior, 8th Edition: Leon G. Schiffman, Leslie Lazar Kanuk: Amazon.Com: Books. Pearson Education, Inc, 2010. https://openlibrary.org/books/OL23181114M/Consumer_behavior.
selvia berlian, pertiwi dian. “I-Philanthropy: A Research Journal On Zakat And Waqf Vol.01 No.01 September 2021 Pengaruh Tingkat Pengetahuan Dan Religiusitas Terdapat Kesad..... Selvia Berlian, Dian Pertiwi.” Selvia Berlian, Dian Pertiwi, 2021.
Supriyadi, Ahmad. “Kompetensi Amil Zakat: Studi Mahasiswa Manajemen Zakat Dan Wakaf IAIN Tulungagung Menjelang Praktek Pengalaman Lapangan.” El-Barka: Journal of Islamic Economics and Business 3, no. 1 (2020). https://doi.org/10.21154/elbarka.v3i1.2019.
Susilawati, Antria, Mursyid, and Abubakar Idham Madani. “Pengaruh Religiusitas , Literasi , Akuntabilitas Terhadap Minat Berwakaf Tunai Di Bank Syariah Indonesia Dengan Pemahaman Sebagai Moderasi.” Syntax Admiration 5, no. 10 (2024): 4024–37.
Suwarsi, Aqidah Asri, Aninta Gina Sharfina, and Anisatun Anggraeni. “Portrait of MSMEs‘ Islamic Financial Literacy and The Impact on Business Development.” Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies 18, no. 1 (2022). https://doi.org/10.18196/afkaruna.v18i1.12991.
Triyatno, Ghazy, and M. Lutfi Mustofa. “Epistemologi Wakaf Keluarga: Pemahaman, Tanggung Jawab Dan Pengelolaan Harta Dalam Perspektif Ilmu Pengetahuan.” Iqtisad: Reconstruction of Justice and Welfare for Indonesia 11, no. 1 (2024): 79. https://doi.org/10.31942/iq.v11i1.10980.
Vinet, Luc, and Alexei Zhedanov. “A ‘missing’ Family of Classical Orthogonal Polynomials.” Journal of Physics A: Mathematical and Theoretical 44, no. 8 (2011): 1–14. https://doi.org/10.1088/1751-8113/44/8/085201.
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Published
2025-10-15
How to Cite
TRIYATNO, Ghazy et al.
THE INFLUENCE OF WAQF LITERACY, RELIGIOSITY, AND TRUST IN WAQF MANAGEMENT INSTITUTIONS ON WAQF DECISIONS.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 11, n. 1, p. 445-460, oct. 2025.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3373>. Date accessed: 15 may 2026.
Section
Articles
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
