Hubungan Implementasi Cashless Society Dengan Persepsi Optimalisasi Wakaf Melalui Uang

Wahyuni Wahyuni, Eli Agustami, Nurhudawi Nurhudawi


Abstract


This study analyzes the association between cashless payment implementation and donors’ perceptions of waqf optimization through monetary contributions at Dompet Dhuafa Waspada, North Sumatra. A quantitative, associative cross-sectional survey involved 92 purposively selected respondents with experience using digital waqf payments. Both variables were measured using Likert questionnaires and analyzed through descriptive statistics, instrument testing, and simple linear regression. Results yielded a regression coefficient of 0.660 (t = 10.084; p < 0.001) and R² of 0.530. The model explains 53% of the variance in perceived waqf optimization scores within the sample, rather than a 53% increase in funds collected. Institutional documents show fluctuating collections during 2020–2024 but do not distinguish digital from nondigital channels, preventing assessment of cashless payments’ contribution to receipts. Additionally, 77.17% reported donating once or twice annually. Findings indicate a positive association between cashless payment assessments and perceived waqf optimization, without establishing causality. Limitations include restricted generalizability and potential common method bias. Further research should integrate surveys with transaction records by payment channel to assess relationships between digital services and actual waqf collections.

Keywords


Cashless Payments, Waqf through Money, Waqf Donors’ PerceptionsBusiness Ethics

Full Text:

PDF

References


Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T

Baqutayan, S. M., & Mahdzir, A. M. (2017). The psychology theories of waqf-giving behaviors. Journal of Economic and Social Thought, 4(4), 424–432.

Çizakça, M. (1998). Awqaf in history and its implications for modern Islamic economies. Islamic Economic Studies, 6(1), 43–70.

Dahlberg, T., Guo, J., & Ondrus, J. (2015). A critical review of mobile payment research. Electronic Commerce Research and Applications, 14(5), 265–284. https://doi.org/10.1016/j.elerap.2015.07.006

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008

de Kerviler, G., Demoulin, N. T. M., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334–344. https://doi.org/10.1016/j.jretconser.2016.04.011

Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51–90. https://doi.org/10.2307/30036519

Jatmiko, W., Haidlir, B. M., Azizon, A., Laksmono, B. S., & Kasri, R. A. (2023). Intergenerational analysis of cash waqf behavior: Lessons learned from Indonesia. Journal of Islamic Accounting and Business Research.

Kasri, R. A., & Chaerunnisa, S. R. (2022). The role of knowledge, trust, and religiosity in explaining the online cash waqf amongst Muslim millennials. Journal of Islamic Marketing, 13(6), 1334–1350. https://doi.org/10.1108/JIMA-04-2020-0101

Masrizal, M., Huda, N., Harahap, A., Trianto, B., & Sabiu, T. T. (2023). Investigating the determinants of cash waqf intention: An insight from Muslims in Indonesia. Journal of Islamic Monetary Economics and Finance, 9(1), 17–38. https://doi.org/10.21098/jimf.v9i1.1607

Mohsin, M. I. A. (2013). Financing through cash-waqf: A revitalization to finance different needs. International Journal of Islamic and Middle Eastern Finance and Management, 6(4), 304–321. https://doi.org/10.1108/IMEFM-08-2013-0094

Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404–414. https://doi.org/10.1016/j.chb.2016.03.030

Osman, A. F., & Muhammed, M. O. (2017). Measuring a cash waqf giving behavior among Muslim donor in Malaysia: A theory of planned behavior approach using structural equation modelling. The Journal of Muamalat and Islamic Finance Research, 14(2), 39–63. https://jmifr.usim.edu.my/index.php/jmifr/article/view/19

Rizal, H., & Amin, H. (2017). Perceived ihsan, Islamic egalitarianism and Islamic religiosity towards charitable giving of cash waqf. Journal of Islamic Marketing, 8(4), 669–685. https://doi.org/10.1108/JIMA-05-2015-0037

Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209–216. https://doi.org/10.1016/j.elerap.2009.07.005

Shukor, S. A., Anwar, I. F., Aziz, S. A., & Sabri, H. (2017). Muslim attitude towards participation in cash waqf: Antecedents and consequences. International Journal of Business and Society, 18(S1), 193–204.

Shukor, S. A., Anwar, I. F., Sabri, H., Aziz, S. A., & Ariffin, A. R. M. (2016). Giving behaviour: Who donates cash waqf? Malaysian Journal of Consumer and Family Economics.

Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling consumers' adoption intentions of remote mobile payments in the United Kingdom: Extending UTAUT with innovativeness, risk, and trust. Psychology & Marketing, 32(8), 860–873. https://doi.org/10.1002/mar.20823

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178. https://doi.org/10.2307/41410412

Verhoef, P. C., Broekhuizen, T., Bart, Y., Bhattacharya, A., Dong, J. Q., Fabian, N., & Haenlein, M. (2021). Digital transformation: A multidisciplinary reflection and research agenda. Journal of Business Research, 122, 889–901. https://doi.org/10.1016/j.jbusres.2019.09.022

Vial, G. (2019). Understanding digital transformation: A review and a research agenda. The Journal of Strategic Information Systems, 28(2), 118–144. https://doi.org/10.1016/j.jsis.2019.01.003

Xin, H., Techatassanasoontorn, A. A., & Tan, F. B. (2015). Antecedents of consumer trust in mobile payment adoption. Journal of Computer Information Systems, 55(4), 1–10. https://doi.org/10.1080/08874417.2015.11645781

Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085–1091. https://doi.org/10.1016/j.dss.2012.10.034




DOI: https://doi.org/10.30743/mutlaqah.v7i1.14579

Refbacks

  • There are currently no refbacks.


Copyright (c) 2026 Wahyuni Wahyuni, Eli Agustami, Nurhudawi