STUDI EKSPLORASI PENERIMAAN DIGITALISASI PEMBAYARAN ZAKAT MELALUI APLIKASI FINTECH INDONESIA PASCA PANDEMI COVID-19
Abstract
Abstrak: Situasi Pandemi Covid-19 dan Digitalisasi Revolusi 4.0 mendorong adopsi pembayaran zakat melalui platform transaksi digital khususnya FinTech.Studi ini bertujuan untuk mengeksplorasi penerimaan FinTech dalam pembayaran zakat secara digital. mengeksplorasi penerimaan FinTech dalam pembayaran zakat secara digital. Penelitian berbasis survei kuantitatif pada populasi pengguna FinTech beragama Islam dengan SEM PLS dilakukan dengan penetapan teknik purposive sampling. Model penelitian ini dapat mengidentifikasi teori UTAUT, TPB, Tren Keuangan dan Pengetahuan Islam dalam keputusan kepercayaan Fintech dan metode digitalisasi zakat terhadap niat pembayar zakat untuk mengadopsi FinTech yang inovatif dalam pembayaran zakat. Hasil penelitian ini menunjukkan hubungan signifikansi pada tiga dimensi toeri UTAUT, TPB, Tren Keuangan dan Pengetahuan Islam meskipun pada hipotesis harapan usaha terhadap kepercayaan dan keputusan penerimaan teknologi FinTech tidak mendapat dukungan signifikansi statistik PLS. Penguatan infrastruktur IT, keseragaman aturan pembayaran zakat digital dan kajian promotif digitalisasi zakat direkomendasikan kepada Provider FinTech dan Pembuat Kebijakan untuk semakin mengoptimalkan penghimpunan zakat untuk meningkatkan dana zakat untuk mustahiq yang membutuhkan agar semakin menumbuhkan perekonomian Islam dan Indonesia yang inklusif dan berkelanjutan sesuai Tujuan SDGs.
Kata kunci: FinTech; Islam; SDGs; Teknologi; Zakat
Abstract: The Covid-19 Pandemic situation and the digitalization Revolution 4.0 have encouraged the adoption of zakat payments through digital transaction platforms, especially FinTech. This study aims to explore the acceptance of FinTech in digital zakat payments. explore the acceptability of FinTech in digital zakat payments. Quantitative survey-based research on a population of Muslim FinTech users with SEM PLS was carried out by establishing a purposive sampling technique. This research model can identify the theory of UTAUT, TPB, Financial Trends and Islamic Knowledge in Fintech trust decisions and zakat digitization methods on the intention of zakat payers to adopt innovative FinTech in zakat payments. The results of this study show a significant relationship on the three theoretical dimensions of UTAUT, TPB, Financial Trends and Islamic Knowledge although the hypothesis of business expectations on trust and decisions to accept FinTech technology does not have PLS statistical significance. Strengthening IT infrastructure, uniformity of digital zakat payment rules and a study on promoting the digitization of zakat are recommended for FinTech Providers and Policy Makers to further optimize zakat collection to increase zakat funds for mustahiq who need it in order to further grow an inclusive and sustainable Islamic and Indonesian economy according to the SDGs Goals
Keywords: FinTech; Islam; SDGs; Technology; Zakat
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