Journal of Innovative and Creativity
Vol. 6 No. 2 (2026)

DETERMINAN NIAT BERWAKAF UANG MELALUI PLATFORM TOKOPEDIA DENGAN SIKAP SEBAGAI VARIABEL INTERVENING (Studi Pada Generasi Z Di Provinsi Banten)

Seli Rosmawati (Universitas Sultan Ageng Tirtayasa)
Mohamad Ainun Najib (Universitas Sultan Ageng Tirtayasa)
Nurul Fadhilah (Universitas Sultan Ageng Tirtayasa)



Article Info

Publish Date
26 Jun 2026

Abstract

The purpose of this study was to analyze the influence of perceived usefulness, perceived ease of use, subjective norms, and perceived risk on the intention to make cash waqf through Tokopedia, with attitude as an intervening variable among Generation Z in Banten Province. This study used a quantitative approach with primary data obtained through questionnaires distributed to 120 respondents selected using a purposive sampling technique. Data analysis was performed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS 3 software. The results showed that perceived usefulness, perceived ease of use, and subjective norms had a positive and significant effect on the attitude and intention to make cash waqf through Tokopedia. Meanwhile, perceived risk had a negative effect on intention. Attitude was also proven to significantly mediate the relationship between the independent variables and the intention to make cash waqf. This study indicates that digital waqf platforms such as Tokopedia have significant potential to increase Generation Z's participation in cash waqf. Therefore, increasing digital literacy, public trust, and easy access to digital waqf services are crucial for optimizing cash waqf collection in Indonesia.

Copyrights © 2026






Journal Info

Abbrev

joecy

Publisher

Subject

Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

Description

Journal of Innovative and Creatifity (JOECY) publishes research articles in the field of education which report empirical research on topics that are significant across educational contexts, in terms of design and findings. The topic could be in curriculum, teaching learning, evaluation, quality ...