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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Jurnal At-Tarbiyat (Jurnal Pendidikan Islam) NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam Rayah Al Islam : Jurnal Ilmu Islam JES (Jurnal Ekonomi Syariah Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam Waraqat : Jurnal Ilmu_Ilmu Keislaman El-kahfi : Journal of Islamic economics Tanwir Arabiyyah: Arabic as Foreign Language Journal Prosperity: Journal of Society and Empowerment Jurnal Iqtisaduna ZAD Al-Mufassirin Mauriduna : Journal of Islamic studies Maqdis: Jurnal Kajian Ekonomi Islam Indonesian Journal of Islamic Economics and Finance Journal of Business Management and Economic Development El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Iqtisad : Journal of Islamic Economic and Civilization Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Nuradi Nuradi
Komunikasi Penyiaran Islam, STIBA Ar Raayah Sukabumi, Indonesia
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Integrating Religiosity into the UTAUT Framework: Explaining Muslim Youth’s Intention to Adopt Digital Cash Waqf Nuradi, Nuradi; Tanjung, Hendri; Huda, Nurul; Supriyanto, Trisiladi
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2308

Abstract

This research investigates the intention of Millennials and Generation Z in Indonesia to engage in digital cash waqf by integrating technology acceptance determinants with religiosity. The study adopts a quantitative research design. Data were obtained from Muslim respondents in the Millennial and Generation Z cohorts and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) to examine relationships among UTAUT dimensions, religiosity, and adoption intention. The empirical findings demonstrate that performance expectancy, social influence, and facilitating conditions positively and significantly influence individuals' intention to adopt digital cash waqf. In contrast, effort expectancy does not show a statistically significant effect. Religiosity has a direct and significant impact on adoption intention and serves as a selective moderating variable, strengthening the relationship between performance expectancy and intention. By incorporating religiosity as both an explanatory and moderating factor, this study extends the UTAUT framework within the context of value-oriented Islamic philanthropy. The results suggest that digital waqf platforms should prioritize tangible benefits, robust governance, and transparency, while also leveraging religious values and social networks to enhance adoption among younger Muslim generations.
Beyond Income: Religiosity as a Driver of Waqf Intention among Muslim Millennials and Generation Z Nuradi; Hendri Tanjung; Nurul Huda; Trisiladi Supriyanto
Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan Vol. 24 No. 2 (2026): Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Publisher : Universitas Islam KH. Achmad Muzakki Syah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/alqodiri.v24i2.76

Abstract

Waqf has emerged as an increasingly important instrument within Islamic social finance due to its potential to promote sustainable social welfare and support long-term socio-economic development. Despite the growing innovation in waqf management and digital philanthropic platforms, participation among Millennials and Generation Z remains relatively limited. This study aims to examine the influence of religiosity on waqf intention and to investigate whether income moderates this relationship among Muslim Millennials and Generation Z in Indonesia. A quantitative cross-sectional survey design was employed, involving 280 valid respondents selected through convenience sampling. Data were collected using a structured questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that religiosity has a strong and significant positive effect on waqf intention (β = 0.854, p < .001), confirming that religious commitment is a major driver of Islamic philanthropic behavior among younger Muslims. In contrast, income has no significant direct effect on waqf intention (β = −0.025, p = .435) and does not moderate the relationship between religiosity and waqf intention (β = −0.018, p = .554). The structural model demonstrates substantial explanatory power, accounting for 72.9% of the variance in waqf intention (R² = .729). These findings suggest that waqf intention among Millennials and Generation Z is primarily shaped by internalized religious values rather than economic capacity. The study contributes to the literature on Islamic social finance by highlighting religiosity as an independent motivational driver and provides practical insights for waqf institutions to develop value-based engagement strategies tailored to younger generations.
Co-Authors Abdel-Raouf, Ahmed Mohamed Abdel-Hadi Adi Wijaya Akhmad Alim, Akhmad Allifafitri, Aissa Amalia, Sinta Anugrah Putri, Ayu Elis Ratna Wulan faizah kamilah, faizah Fathan Qoriba Fitriyani Fitriyani Gazali, Zuhdina Halim Faqihuddin Annasr Haslam, Desy Sapitri Hendri Tanjung Huda, Nurul Huryatul Muhafizhah Husnul Khatimah Husnul Khatimah Irfan Syauqi Beik Isman, Nofa Jaih Mubarok Jaih Mubarok Miftahusa’adah, Miftahusa’adah Muhammad Furqon almurni Muhammad Furqon Almurni Muhammad, Salihu Musa Jibo Muzamiludin Najmah Nurul huda Nurul Huda Siti Mufarokah Taslim, Humairah Az-Zahra Tatang Hidayat Tatang Hidayat Trisiladi Supriyanto Trisiladi Supriyanto, Trisiladi