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Determinant of Behavioral Intention to Use Digital Zakat Payment: The Moderating Role of Knowledge of Zakat Utari Evy Cahyani; Dia Purnama Sari; Ahmad Afandi
ZISWAF Vol 9, No 1 (2022): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (345.426 KB) | DOI: 10.21043/ziswaf.v9i1.13330

Abstract

The potential for zakat in Indonesia is increasing over time. However, the value of the increase in zakat receipts is not proportional to the potential of zakat. Research on zakat behavior using digital platforms is important considering the lack of realization of zakat collection compared to the existing potential. This study develops the UTAUT model by adding knowledge of zakat as a moderated variable. A quantitative approach is used in this research. The number of respondents in this study was 200 who were obtained through convenience sampling based on questionnaires distributed online. Data analysis was performed using partial least square-structural equation modeling (PLS-SEM). The results showed that performance expectancy, social influence, and facilitating conditions had a positive effect on behavioral intention to use digital zakat payment. Meanwhile, the moderating effect shows that knowledge of zakat moderates the relationship between performance expectancy and behavioral intention. These results have implications for the need to increase the effectiveness of digital zakat payments, have influencers who educate about zakat payments using digital, and increase the choice of zakat management institutions that accommodate digital payments so that the intention of muzakki to pay zakat using digital payments is increasing. The moderating effect implies that for muzakki who have higher knowledge of zakat, the level of trust and effectiveness of digital payments can increase the desire to pay zakat through digital payments.
REAKSI PASAR SAHAM SYARIAH SELAMA PANDEMI COVID-19 DENGAN INFLASI SEBAGAI VARIABEL MODERASI Ihsan Mulia Siregar; Ahmad Afandi
IQTISHADUNA Vol. 13 No. 1 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

The purpose of this study was to determine the effect of Covid-19 cases, interest rates and money supply on Sharia stock returns with inflation as a moderating variable. This research is a quantitative study using multiple regression analysis and using secondary data in the form of panel data on sharia stocks listed on the Jakarta Islamic Index (JII) starting from March 20, 2020 to July 2021. Sampling uses purposive sampling, which uses certain criteria so that can produce 20 companies listed in JII as a sample. The results show that the Covid-19 case has no effect on sharia stock returns, but interest rates have a significant and significant effect on sharia stock returns, then money supply has a negative and significant effect on sharia stock returns. Furthermore, inflation cannot moderate the Covid-19 case, interest rates and money supply on sharia stock returns. This research is expected to be useful for those who need information and references as a consideration in making decisions to invest.
Efektivitas dan Efisiensi Sistem Pembayaran Non Tunai Quick Response Indonesian Standard (QRIS) dalam Mempengaruhi Inklusi Keuangan Mahasiswa Ahmad Afandi; Laelani Rukmana; Wardatul Wahidah R
BanKu: Jurnal Perbankan dan Keuangan Vol 3, No 2 (2022): Volume 3, Nomor 2, Agustus 2022
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

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Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis efektivitas dan efisiensi sistem pembayaran non tunai QRIS dalam mempengaruhi inklusi keuangan mahasiswa di wilayah kerja Bank Indonesia Sibolga. Penelitian ini merupakan penelitian kuantitatif deskriptif dengan menyebarkan kuesioner menggunakan kuesioner melalui google form sebagai metode pengumpulan data. Sampel dalam penelitian ini sebanyak 110 mahasiswa di wilayah kerja Bank Indonesia Sibolga. Teknik analisis data menggunakan aplikasi Warp PLS versi 7.0. Hasil penelitian menunjukkan nilai R-squared (R2) sebesar 0,152 atau sama dengan 15,2%. Nilai tersebut memiliki arti bahwa peran efektivitas dan efisiensi memberikan kontribusi sebesar 15,2% pada inklusi keuangan, sedangkan sisanya sebesar 84,8% inklusi keuangan dipengaruhi oleh variabel eksogen lain yang tidak digunakan dalam penelitian ini. Uji hipotesis menunjukkan bahwa efektivitas sistem pembayaran non tunai QRIS berpengaruh positif dan signifikan terhadap inklusi keuangan mahasiswa. Sedangkan efisiensi sistem pembayaran non tunai QRIS tidak berpengaruh positif dan signifikan terhadap inklusi keuangan mahasiswa.