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The Role of UTAUT Constructs In The Adoption of QRIS for Cash Waqf: Evidence from Islamic Economic Communities Maramis, Muhamad Haqiqi; Nilasari, Widiyanti Ayu; Ratnasari, Ririn Tri; Wahid, Herry Aslam
JESI (Jurnal Ekonomi Syariah Indonesia) Vol. 16 No. 1 (2026)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2026.16(1).45-62

Abstract

Introduction: This study examines determinants of behavioral intention and actual adoption of QRIS for cash waqf within MES using the UTAUT framework, addressing low digital waqf uptake and limited evidence in community-based Islamic contexts. Methodology: A quantitative PLS-SEM approach (SmartPLS 4.0) was applied to online survey data from 133 MES administrators and members who have used QRIS for cash waqf. Result: The results show that performance expectancy, effort expectancy, and social influence have a positive and significant effect on intention to use QRIS. In contrast, facilitating conditions and behavioral intention do not significantly influence actual user adoption. Conclusion: Perceived benefits, ease of use, and social encouragement are key drivers of intention, yet intention does not necessarily translate into real behavior, indicating an intention–behavior gap in QRIS-based cash waqf. To improve adoption, stakeholders should strengthen perceived usefulness through clear value propositions, simplify the donation flow and feedback, leverage community networks, and implement community-based education to support sustained digital waqf participation. Implications: Limited to purposive sampling in one MES community and a cross-sectional self-reported survey, which may reduce generalizability and introduce common method bias. Future studies should use broader samples, longitudinal designs, and transaction data to better capture the intention–behavior gap. Originality: This study provides evidence on QRIS-based cash waqf adoption in a community setting by testing intention and actual use with a UTAUT-based PLS-SEM model, highlighting the intention–behavior gap and practical ways to improve conversion.
Co-Authors Abdul Basit Abdul Basit Achmad Nur Iman Achsania Hendratmi Adinda Septiani M Adirestuty, Fitranty Aditya Okta Viandhy Aditya Okta Viandhy, Aditya Okta Afifa, Ulfia Nur Ahmad Khabib Dwi Anggara Ahmad Sodiq, Ahmad Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Akhmad Kusuma Wardhana Al Adawiyah, Rumaisah Azizah Alfath Shifa Ghifara Alimin Alimin Alimin Alimin Amalina Rusydina Aminudin Ma'ruf Angga Khoerul Umam Anik Rufaidah Anik Rufaidah Anneke Ratnasari Hardianto Anneke Ratnasari Hardianto, Anneke Ratnasari Annisa Rahma Febriyanti Anwar Allah Pitchay Anwar Allah Pitchay Anwar Allah Pitchay, Anwar Allah Ari Prasetyo Arridha Harahap Asya’bani, Nispia Aulia, Melananda Risky Author, Nailul Azhar Alam Azizah Al Adawiyah, Rumaisah Battour , Mohamed Battour, Mohamed Bt Mohd Ariffin, Noraini Bunga Permata Samodra Chazanah , Indah Nur Cholil, Muhammad Danang Dwi Nurrochman Ega Rusanti Egi Arvian Firmansyah Estina Rahmawati Fadlillah, Nilna Faradilah Putri Fauzi Fatin Fadhilah Hasib Fitria Solahika Salma Fuad Hasyim Ghozian Hakeem Habibah, Aminatun Hadi, T.Saipul Hafidza Gumelar Muksininna Hani Khairo Amalia Hapsari, Safira Arsyadin Hariyanto Hariyanto Hasan Aedy hasna fauziana Hasna Fauziana Hasna Fauziana Hasyim, Fuad Hendratmi, Achsania Hendratmi Hermawan, Rheza Hesti Dwi Fandini Hidayati, Hindah Mustika Huzaini, Moh Ilham Rahmanto Imam Sopingi Imron Mawardi Inayah Rahman Indah Rofiqoh, Siti Nur Indirwan, Syanisma Khansa Indra Rajasa, Muhammad Attar Indrianawati Usman Ismah Osman Ismail, Shafinar Iwan Prakoso Gunawarman Jaenudin, M jaenudin, muhammad Jamil, Fadila Ainur Jamilu, Usman Jazilinni’am, Naili K. S., Salsabiilatul Ayniah Karimah Tri Lestari La Ode Alimusa Lintang Titian Purbasari M. Adi Surya Anwar M. Ala’uddin Maramis, Muhamad Haqiqi Masruroh, Amalia Maulidy Albar Maziyah Mazza Basya Mega Nilasari Johan Mega Nilasari Johan, Mega Nilasari Moh. Nurul Qomar Moh. Nurul Qomar, Moh. Nurul Muchammad Choir Rivo Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Ala’uddin Muhammad Irsyad, Syaiful Muhammad Nizar Muhammad Rifqi Muhammad Syifa Musthofa , Wakhid Nanang Qosim Nida’ Al-Karimah Makkawi Nilasari, Widiyanti Ayu Njie, Yahya Novi Sekar Sari Novi Sekar Sari Nur Adila Wulandari Nur Aulia Noviyani Nur Chazanah, Indah Nur Indah Rofiqoh, Siti Nurul Ain Nurul Ain, Nurul Nurul Huda Nurul Huda Nurwijayanti Osman, Ismah Pertiwi, Tanza Dona Purbasari, Lintang Titian Putra, Trisno Wardy Putri, Hamilatul Hasanah Qolbi, Ayun R. Andy Erwin Wijaya Raditya Sukmana Rahmawati, Estina Rajasa, Muhammad Attar Indra Ramdani Ramdani Ramly, Arroyan Ramly, Arroyyan Rani, Lina Nugraha Reza Dasangga, Dian Ghani Ridan Muhtadi Rifki Fajar Subekhi Rika Rika Rizky Farah Nurfadhilah Rofiqoh, Siti Nur Indah Ronny Ronny Rufaidah, Anik Rusgianto, Sulistya Ryval Ababil Samsul Arifin Sari, Dyah Permata Sekar Sari, Novi Sheila Ayu Pramesti Permatasari Siti Nur Indah Rofiqoh Siti Nur Indah Rofiqoh Siti Zulaikha Sitii Nur Indah Rofiqoh Sri Herianingrum Sri Herianingrum Sulistya Rusgianto Sulistya Rusgianto Sulistyowati Sulistyowati Sulistyowati Sulistyowati Susanto, Arva Athallah Syafira, Fadillah Nur Syukron Makmun Syukron Makmun, Syukron Tamamala, Zailan Basri Tanissa Intan Syahvina Thoyyib Mas’udi Tia Yuliawati Tiara Tresnawulan Barkah Ujang Syahrul Mubarrok Usman Jamilu Vicky Alif Putra Wahid, Herry Aslam Wardhana, Akhmad Kusuma Yan Putra Timur Yusuf Kurniawan Zukhrufani, Alfitri Zulfa Mufidah