The Impact of Direct Zakat Distribution on the Welfare of Mustahik in Pamekasan

Roni Bagus Setyawan (Universitas Islam Negeri Madura, Madura, Indonesia)

Majapahit Journal of Islamic Finance dan Management
Vol. 6 No. 2 (2026): Islamic Finance and Management

This study aims to analyze the influence of perceived ease of use, e-service quality, promotion, and perceived risk on the interest in using e-wallets among students in Yogyakarta. The background of this study is based on the rapid development of financial technology that is driving changes in people's transaction behavior towards a cashless system. Although e-wallet use is increasing, the intensity of use is still relatively low, so further study is needed to determine the factors influencing interest in using it. This study uses a quantitative approach with a survey method through the distribution of questionnaires to 110 respondents who are active students in Yogyakarta and e-wallet users. The data analysis technique used is Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with the assistance of SmartPLS software. The results show that partially, perceived ease of use and e-service quality do not have a significant effect on interest.