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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Muhajir Algadri, Ahmad
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Optimization of Productive Zakat and Waqf as Islamic Social Finance Instruments in Indonesia Muhajir Algadri, Ahmad
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the factors influencing the adoption and usage behavior of digital waqf platforms by integrating the Theory of Reasoned Action (TRA). Using a quantitative approach with 280 respondents and Structural Equation Modeling (SEM), the research examines the roles of subjective norms, technology advancement, and trust in shaping users’ attitudes, behavioral intentions, and actual usage. The findings show that all three antecedent variables significantly and positively influence attitude, which in turn increases behavioral intention, while behavioral intention strongly predicts usage behavior. Trust emerges as the most influential factor, emphasizing the importance of transparency, security, and Sharia compliance within digital waqf systems. These results contribute to the literature on Islamic philanthropic technology adoption and provide practical implications for waqf institutions to enhance digital literacy, strengthen system credibility, and improve technological innovation to increase public participation in digital waqf.
Optimization of Productive Zakat and Waqf as Islamic Social Finance Instruments in Indonesia Muhajir Algadri, Ahmad
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the factors influencing the adoption and usage behavior of digital waqf platforms by integrating the Theory of Reasoned Action (TRA). Using a quantitative approach with 280 respondents and Structural Equation Modeling (SEM), the research examines the roles of subjective norms, technology advancement, and trust in shaping users’ attitudes, behavioral intentions, and actual usage. The findings show that all three antecedent variables significantly and positively influence attitude, which in turn increases behavioral intention, while behavioral intention strongly predicts usage behavior. Trust emerges as the most influential factor, emphasizing the importance of transparency, security, and Sharia compliance within digital waqf systems. These results contribute to the literature on Islamic philanthropic technology adoption and provide practical implications for waqf institutions to enhance digital literacy, strengthen system credibility, and improve technological innovation to increase public participation in digital waqf.
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