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Tuti Anggraini
Ekonomi Islam, Universitas Islam Negeri Sumatera Utara
Medicine & Pharmacology Public Health

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Religiosity, Ease of Use, and Income Drive ZIS Payment Interest Fadhila Putri Kaban; Tuti Anggraini; Khairina Tambunan
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.10946

Abstract

General Background: The advancement of digital technology has transformed how religious obligations such as Zakat, Infaq, and Sadaqah (ZIS) are fulfilled, offering more accessible and efficient payment methods. Specific Background: Bank Syariah Indonesia (BSI) provides digital features aimed at facilitating ZIS payments, particularly in urban areas like Medan. Knowledge Gap: Despite the growing use of digital financial services, limited research has explored the factors influencing public preferences in using digital platforms for ZIS payments. Aims: This study aims to examine how income, religiosity, and perceived ease of use affect public interest in using BSI's digital features for ZIS contributions. Results: Employing a quantitative survey method with 97 respondents determined using the Lemeshow algorithm, the findings reveal that income, religiosity, and ease of use significantly influence public interest and intention to pay ZIS via BSI’s digital features. Novelty: This study highlights the integrated role of socio-economic and technological factors in shaping digital religious giving behavior, particularly in a developing urban context. Implications: The results suggest that BSI should enhance its ZIS payment services by improving user interface design and promoting digital convenience, while future studies are encouraged to explore additional influencing variables to enrich this emerging research domain. Highlights: Digital ease boosts ZIS payment engagement. Income, religiosity, and usability are key drivers. BSI's platform needs user-focused improvements. Keywords: Zakat, Infaq, Sadaqah, Digital Banking, User Behavior
Religiosity, Trust, and Literacy Drive Islamic Finance Adoption Muhammad Iqbal Asyari Lubis; Tuti Anggraini; Aqwa Naser Daulay
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11066

Abstract

General Background: Despite Indonesia's Muslim-majority population, the market share of Islamic financial products remains low. Specific Background: Islamic financial literacy, trust in financial institutions, and personal religiosity have been identified as key determinants in financial decision-making, yet empirical studies show inconsistent findings. Knowledge Gap: Previous research has not adequately assessed these three factors simultaneously, particularly within a student population that receives Islamic education. Aims: This study aims to examine how religiosity, trust, and sharia financial literacy affect students’ interest in using Islamic financial products. Results: Based on a survey of 100 purposively sampled students at UIN North Sumatra, multiple linear regression analysis revealed that all three variables — religiosity (β = 0.345), trust (β = 0.445), and sharia financial literacy (β = 0.236) — have a positive and significant relationship with interest in using Islamic financial products, explaining 74.2% of the variance. Novelty: This study is one of the first to simultaneously analyze these predictors among students of an Islamic university, providing insights into the behavioral intentions of a strategically important demographic. Implications: The findings underscore the need for collaborative efforts between Islamic financial institutions and universities to foster literacy, trust, and religious alignment with financial behavior among youth.Highlights: Trust is the strongest predictor of product interest among students. Sharia financial literacy significantly correlates with usage interest. The model explains 74.2% of the variation in interest behavior. Keywords: religiosity, trust, Islamic financial literacy, student behavior, Islamic banking
Co-Authors Aqwa Naser Daulay Fadhila Putri Kaban Khairina Tambunan Muhammad Iqbal Asyari Lubis