Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

Determinan Penggunaan Digital Payment dalam Pembayaran Wakaf Uang: Ekstensi Teori Technology Acceptance Model

Arbaien, Muhamad Fasya Nur (Unknown)
Sukmawati, Heni (Unknown)
Andani, Listia (Unknown)



Article Info

Publish Date
03 Jul 2025

Abstract

Indonesia has significant potential in developing the sharia economy, particularly in the cash waqf sector, despite its current low realization. This study explores the digitalization of cash waqf through e-wallets, crowdfunding, and shopping charity using the Technology Acceptance Model (TAM). A quantitative descriptive method with Smart PLS 3.0 analysis was applied to Muslim respondents in West Java who have used digital payment for cash waqf. The results indicate that perceived usefulness significantly influences attitudes and intentions, while perceived ease of use only impacts perceived usefulness. A positive attitude towards technology enhances the intention to use, thereby promoting the adoption of digital payment in cash waqf. Trust plays a crucial role in building user loyalty. The study implies the need to improve the quality of user interface (UI) and user experience (UX), transparency in fund management, and education on the benefits of digital payment to increase adoption and trust. Further research is recommended to explore digital literacy, government support, and employ longitudinal designs to understand changes in community attitudes and behaviors over time.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies ...