Puput Nurul Aulia
Universitas Islam Bandung

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Pengaruh Sistem Layanan Zakat Perdagangan Berbasis Online terhadap Tingkat Kepercayaan Muzzaki pada BAZNAS Kabupaten Bandung Puput Nurul Aulia; Ira Siti Rohmah Maulida
Jurnal Riset Ekonomi Syariah Volume 6, No. 1, Juli 2026 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v6i1.10256

Abstract

Abstract. This study aims to analyze the influence of online zakat services on the level of trust of muzakki (religious payers) at the BAZNAS (National Zakat Agency) in Bandung Regency. The background of the study is based on the development of digital technology in zakat management, which is expected to simplify payments, increase transparency, and strengthen public trust. The method used is quantitative research with simple regression analysis. Data were obtained through questionnaires to muzakki, then analyzed using a significance test. The results show that online zakat services (X) have a regression coefficient of 0.292 with a significance value of 0.064, which means a positive but insignificant effect on the level of trust of muzakki (Y). A constant of 2.857 indicates that even without the use of online zakat services, the level of trust is in the fairly high category. Curve analysis indicates that an increase in the quality of online services tends to be followed by an increase in trust, although other factors such as reporting transparency, institutional reputation, and direct interaction remain dominant. The conclusion of this study is that online zakat services play a positive role in the trust of muzakki, but need to improve the quality, socialization, and integration of digital services with real programs in the community. Abstrak. Penelitian ini bertujuan menganalisis pengaruh layanan zakat online terhadap tingkat kepercayaan (trust) muzakki pada BAZNAS Kabupaten Bandung. Latar belakang penelitian didasari oleh perkembangan teknologi digital dalam pengelolaan zakat yang diharapkan mempermudah pembayaran, meningkatkan transparansi, dan memperkuat kepercayaan masyarakat. Metode yang digunakan adalah penelitian kuantitatif dengan analisis regresi sederhana. Data diperoleh melalui kuesioner kepada muzakki, kemudian dianalisis menggunakan uji signifikansi. Hasil penelitian menunjukkan layanan zakat online (X) memiliki koefisien regresi 0,292 dengan nilai signifikansi 0,064, yang berarti berpengaruh positif namun tidak signifikan terhadap tingkat kepercayaan muzakki (Y). Konstanta sebesar 2,857 menunjukkan bahwa meskipun tanpa penggunaan layanan zakat online, tingkat kepercayaan berada pada kategori cukup tinggi. Analisis kurva mengindikasikan bahwa peningkatan kualitas layanan online cenderung diikuti kenaikan kepercayaan, meski faktor lain seperti transparansi laporan, reputasi lembaga, dan interaksi langsung masih dominan. Kesimpulan penelitian ini adalah layanan zakat online berperan positif terhadap kepercayaan muzakki, namun perlu peningkatan kualitas, sosialisasi, dan integrasi layanan digital dengan program nyata di masyarakat.