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All Journal JRTI (Jurnal Riset Tindakan Indonesia)
Izzah Salsabila
International Islamic University Malaysia, Malaysia
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Cash waqf linked sukuk adoption among muslim youth: islamic altruism as a mediating mechanism across generation y and generation z Muhammad Reyhanmulky; Asfi Manzilati; Aji Purba Trapsila; Izzah Salsabila
JRTI (Jurnal Riset Tindakan Indonesia) Vol. 11 No. 2 (2026): JRTI (Jurnal Riset Tindakan Indonesia)
Publisher : IICET (Indonesian Institute for Counseling, Education and Therapy)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/30036882000

Abstract

This study examines the determinants of Muslim youths’ intention to adopt Cash Waqf Linked Sukuk (CWLS), focusing on the mediating role of Islamic altruism and generational differences between Generation Y and Z. A quantitative research design was employed using an online self-administered questionnaire and purposive sampling. Data were collected from 391 Indonesian Muslim respondents from Generation Y and Z using a five-point Likert-scale instrument, with 21 retained measurement items. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and Partial Least Squares Multi-Group Analysis (PLS-MGA). The results show that income level (β = 0.568, p < 0.001), religiosity (β = 0.185, p = 0.001), and Islamic altruism (β = 0.147, p = 0.023) significantly predict CWLS adoption intention, whereas Islamic financial literacy has no significant direct effect (β = −0.065, p = 0.181). Islamic altruism significantly mediates the effects of Islamic financial literacy (β = 0.061, p = 0.033), religiosity (β = 0.053, p = 0.027), and income level (β = 0.024, p = 0.046) on intention. PLS-MGA reveals that Islamic financial literacy, religiosity, and Islamic altruism significantly predict intention among Generation Y but not Generation Z, while income level is significant for both groups. These findings highlight the importance of generation-specific strategies for enhancing CWLS adoption among Muslim youth.
Co-Authors Aji Purba Trapsila Asfi Manzilati Muhammad Reyhanmulky