Jurnal Ekonomi dan Perbankan Syariah
Vol 14, No 1 (2026): Journal of Islamic Economics and Banking

Pengaruh Persepsi Kemudahan, Efektivitas Penyaluran,Kondisi Pendukung dan Pengaruh Sosial Terhadap minat membayar Zakat,Infaq dan Sedekah melalui Fintech Crowdfunding

Karen Cahyaingrum Hasim (Universitas Al-Azhar Indonesia (UAI), Indonesia)
Syurmita Syurmita (Unknown)
Muhammad Abdul Ghoni (Google Scholar ID: F2iB2rUAAAAJ, Universitas Al-Azhar Indonesia (UAI), Indonesia)



Article Info

Publish Date
19 Aug 2026

Abstract

This study aims to analyze the effect of fintech crowdfunding on the intention to pay zakat, infaq, and Alms (Y) with independent variables: Payment Ease Perception (X1), Distribution Effectiveness (X2), Supporting Conditions (X3), and Social Influence (X4). Using a quantitative survey approach, data were collected from 138 respondents through purposive sampling and analyzed using validity and reliability tests, multiple linear regression, t-test, F-test, and the coefficient of determination (R²) with SPSS. The results show that collectively, all independent variables significantly affect the intention to pay. Partially, X2, X3, and X4 are significant, while X1 is not. An R² value of 76.5% indicates that the independent variables explain the majority of the intention to pay, while the remaining portion is influenced by other factors. These findings can provide input for zakat institutions and fintech developers to enhance digital payments of zakat, infaq, and sadaqah

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Journal Info

Abbrev

jeps

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers ...