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All Journal Islamic Economics and finance in Focus (IEFF)
El-Hakim, Muhammad Luthfan
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Determinants of Digital Zakat Payment Behavior In Indonesia Through Muzakki Intention El-Hakim, Muhammad Luthfan; Pimada, Laila
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

The slow rate of zakat collection in Indonesia indicates that there are barriers and challenges for individuals in paying zakat through formal institutions. This study aims to analyze the factors that influence the actual use of digital zakat payments among the Muslim community in Indonesia, using the Unified Theory of Acceptance and Use of Technology (UTAUT) and zakat literacy. The research method employed a quantitative approach using quota sampling, with data collected through the distribution of questionnaires. The data were then analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach, encompassing testing of the measurement model (outer model) and the structural model (inner model). The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, and zakat literacy have a significant positive effect on behavioral intention and actual use. These findings suggest that improved service performance, ease of use, social influence, availability of facilities, and a strong understanding of zakat can encourage both the intention and actual use of digital payment methods for zakat fulfillment. It is hoped that these research results can serve as a foundation for regulators and Zakat institutions to develop more optimal strategies.
Co-Authors Pimada, Laila