ANALYSIS OF ZIS PAYMENT METHOD PREFERENCES AMONG INDONESIANS
A Multinomial Logit Approach
Abstract
The use of digital platforms for collecting ZIS funds in Indonesia positively influences the payment method choices of muzakki and munfiq. This study aims to analyze how internal and external factors affect the preferences of muzakki and munfiq for three payment methods: directly to mustahik, through institutions, and via digital or online platforms. It employs an associative quantitative approach with a multinomial logistic regression model to compare the preferences of muzakki and munfiq. The research involved 318 respondents chosen through purposive sampling based on previous ZIS payment experience, with data collected via an online questionnaire and analyzed using SPSS. The results indicate that income, gender, trust, accessibility, and social influence are significant predictors of online payment choices. This study is expected to deepen the understanding of ZIS payment behavior, providing valuable insights for parties aiming to develop effective strategies.
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APJII. (2024, February 7). APJII Jumlah Pengguna Internet Indonesia Tembus 221 Juta Orang. https://apjii.or.id/berita/d/apjii-jumlah-pengguna-internet-indonesia-tembus-221-juta-orang
Aristiana, M. (2019). THE Factors that Influence People Interest in Using a Digital Platform as a ZIS Payment (Case Study Go-Pay). International Conference of Zakat, 2017, 50–59. https://doi.org/10.37706/iconz.2019.156
Arner, D. W., Buckley, R. P., Zetzsche, D. A., & Veidt, R. (2020). Sustainability, FinTech and Financial Inclusion. European Business Organization Law Review, 21(1), 7–35. https://doi.org/10.1007/s40804-020-00183-y
BAZNAS. (2024). Laporan Pengelolaan Zakat Nasional Tahun 2024.
BAZNAS. (2025). Solusi Kemudahan Pembayaran Zakat | Mudah & Sesuai Syariah. https://baznas.go.id/layananpembayaran
Beik, I. S., Arsyianti, L. D., & Permatasari, N. (2024). Analysis on the determinant of millennials’ zakat payment through digital platform in Indonesia: a multinomial logistic approach. Journal of Islamic Marketing, 15(2), 541–572. https://doi.org/10.1108/JIMA-09-2021-0313
Chapman, C. M., Louis, W. R., Masser, B. M., & Thomas, E. F. (2022). Charitable Triad Theory: How donors, beneficiaries, and fundraisers influence charitable giving. Psychology and Marketing, 39(9), 1826–1848. https://doi.org/10.1002/mar.21701
Charities Aid Foundation. (2024). World Giving Index 2024: Global trends in generosity. Charities Aid Foundation, 1–19. cafonline.org
Çöteli, S. (2019). The Impact of New Media on The Forms of Culture: Digital Identity and Digital Culture. Online Journal of Communication and Media Technologies, 9(2). https://doi.org/10.29333/ojcmt/5765
Danila, R., Saat, R. M., & Bahador, K. M. K. (2025). Trust and Religiosity: Integrating Technological Acceptance Factors into the Extended Unified Theory of Acceptance and Use of Technology (UTAUT) Model for Zakat Online Payment Systems. Journal of Advanced Research in Applied Sciences and Engineering Technology, 53(2), 199–214. https://doi.org/10.37934/araset.53.2.199214
Febriandika, N. R., Kusuma, D. G., & Yayuli. (2023). Zakat compliance behavior in formal zakat institutions: An integration model of religiosity, trust, credibility, and accountability. International Journal of Advanced and Applied Sciences, 10(6), 187–194. https://doi.org/10.21833/ijaas.2023.06.022
Ghofar, A., Fawwaz, M., Prestianawati, S. A., Mubarak, M. F., Manzilati, A., & Imamia, T. L. (2024). Young muslim generation’s preferences for using digital platforms for Zakat payments: A cross-country study of Indonesia and Malaysia. Journal of Infrastructure, Policy and Development, 8(6), 1–29. https://doi.org/10.24294/JIPD.V8I6.3249
Hosmer, D. W., & Lemeshow, S. (2000). Applied Logistic Regression Second Edition. A wiley-Intersicende Publication.
Kasri, R. A., & Yuniar, A. M. (2021). Determinants of digital zakat payments: lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362–379. https://doi.org/10.1108/JIABR-08-2020-0258
Kotler, P., & Armstrong, G. (2018). Principles of Marketing. In Pearson Education (17th ed.). Pearson Education Limited. https://doi.org/10.1093/oseo/instance.00295839
Loaba, S. (2022). The impact of mobile banking services on saving behavior in West Africa. Global Finance Journal, 53(February 2021), 100620. https://doi.org/10.1016/j.gfj.2021.100620
Pahl, J. (1995). His money, her money: Recent research on financial organisation in marriage. Journal of Economic Psychology, 16(3), 361–376. https://doi.org/10.1016/0167-4870(95)00015-G
Park, J. K., Ahn, J., Thavisay, T., & Ren, T. (2019). Examining the role of anxiety and social influence in multi-benefits of mobile payment service. Journal of Retailing and Consumer Services, 47(April 2018), 140–149. https://doi.org/10.1016/j.jretconser.2018.11.015
Purwanza, S. W., Aditya, W., Ainul, M., Yuniarti, R. R., Adrianus, K. H., Jan, S., Darwin, Atik, B., Siskha, P. S., Maya, F., Rambu, L. K. R. N., Amruddin, Gazi, S., Tati, H., Sentalia, B. T., Rento, D. P., & Rasinus. (2022). Metodologi Penelitian Kuantitatif, Kualitatif, dan Kombinasi. In M. K. Ns. Arif Munandar, S.Kep. (Ed.), Media Sains Indonesia (1st ed., Issue March). MEDIA SAINS INDONESIA.
Purwatiningsih, A. P., & Yahya, M. (2020). Why Zakat Collection in Indonesia is Not As Effective As it is in Malaysia. Jurnal Penelitian, 14(1), 23. https://doi.org/10.21043/jp.v14i1.6785
Seilalisa, A., & Puspawati, D. (2024). Faktor-faktor Berpengaruh Terhadap Keputusan Pembayaran Zakat Digital oleh Muzakki Milenial dan Gen Z di Indonesia. Al-Kharaj : Jurnal Ekonomi , Keuangan & Bisnis Syariah, 6(2), 2547–2562. https://doi.org/10.47467/alkharaj.v7i2.7058
Sofiyawati, N., & Halimah, S. N. (2022). Perilaku Muzakki dalam Menyalurkan Zakat di Era Digital. Anida (Aktualisasi Nuansa Ilmu Dakwah), 22(1), 45–64. https://doi.org/10.15575/anida.v22i1.18479
Widarjono, A. (2018). EKONOMETRIKA Pengantar dan Aplikasinya Disertasi Panduan Eviews (5th ed.). UPP STIM YKPN.
World Population Review. (2024). Muslim Population by Country 2024. https://worldpopulationreview.com/country-rankings/muslim-population-by-country
Yarham, M., & Siregar, S. P. (2021). Persepsi Masyarakat dalam Membayar Zakat di BAZNAS Kabupaten Pasaman Barat. Journal of Islamic Social Finance Management, 2(1), 93–110. https://doi.org/10.24952/jisfim.v2i1.3823
Zhang, J., van Gorp, D., & Kievit, H. (2023). Digital technology and national entrepreneurship: An ecosystem perspective. Journal of Technology Transfer, 48(3), 1077–1105. https://doi.org/10.1007/s10961-022-09934-0
Published
2025-10-15
How to Cite
DEEDAT, Jagad; PAKSI, Girindra Mega.
ANALYSIS OF ZIS PAYMENT METHOD PREFERENCES AMONG INDONESIANS.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 11, n. 1, p. 373-390, oct. 2025.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3422>. Date accessed: 18 apr. 2026.
Section
Articles
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