SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam
Vol. 8 No. 1 (2026)

Determinants of zakat behavior among muslim millennials in greater Jakarta after Covid-19

Nirdukita Ratnawati (Doctoral Program in Economics, Faculty of Economics and Business, Trisakti University, Jakarta, Indonesia)
Faris Faruqi (Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta, Jakarta, Indonesia)
Mentari Wahyuningsih (Development Economics Department, Faculty of Economics and Business, Universitas Trisakti, Jakarta, Indonesia)
Masni Salfinnia (Doctoral Program in Economics, Faculty of Economics and Business, Trisakti University, Jakarta, Indonesia)



Article Info

Publish Date
30 Apr 2026

Abstract

This study explores the determinants of zakat behavior among Muslim millennials in Greater Jakarta (Jabodetabek) after the COVID-19 pandemic, focusing on ICT/fintech, intention, trust, literacy, service quality, education, and transparency. Using a quantitative approach, data were collected from 86 Muslim millennials aged 23 to 42 who paid zakat through official institutions or digital platforms. Analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings indicate that ICT, intention, literacy, and transparency positively influence zakat behavior, with literacy being the strongest predictor, while trust, service quality, and education have no significant effects. The study underscores the importance of digital transformation and literacy in enhancing millennial zakat participation, offering practical implications for zakat institutions in developing effective digital strategies and educational programs. Public interest statements This study examines factors that encourage young Muslim adults in Jakarta to pay zakat post-pandemic. Key drivers include zakat literacy, use of digital apps, strong intentions, and transparent reports from institutions. Notably, formal education level does not significantly impact zakat behavior. These insights can help zakat organizations create effective online campaigns and educational programs for tech-savvy generations.

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Journal Info

Abbrev

SERAMBI

Publisher

Subject

Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

AIMS AND SCOPE The aim of the Jurnal is to provide high-quality scientific papers covering the current issues within Islamic economics and finance. The journal is designed to provide a platform for researchers, academicians, and practitioners who are interested in new knowledge and discussing ideas, ...