The Influence of Religiosity and Zakat Literacy on Digital Zakat Payment Interest through Payment Trust in Yogyakarta

Ahmad Aisal Izza D; Budi Sutiono Pratama Nugraha

Authors

Ahmad Aisal Izza D Department of Management, Faculty of Economics, Universitas Nahdlatul Ulama Yogyakarta, Yogyakarta, Indonesia
Budi Sutiono Pratama Nugraha Department of Management, Faculty of Economics, Universitas Nahdlatul Ulama Yogyakarta, Yogyakarta, Indonesia

Keywords:

Religiosity, Zakat Literacy, Trust in Digital Payment, Intention to Pay Zakat Digitally

Abstract

This study aims to analyse the influence of religiosity and zakat literacy on the willingness to pay zakat digitally, with trust in digital payments as a mediating variable, amongst zakat payers in the Special Region of Yogyakarta. This study employs a quantitative approach using an explanatory research method. Data were collected via an online questionnaire using a Likert scale from 140 respondents selected using purposive sampling, in accordance with the PLS-SEM approach as described by Hair et al. (2014), namely 5–10 times the number of indicators; thus, with 19 indicators multiplied by 7, 133 respondents were obtained, which was then rounded up to 140 respondents, and analysed using PLS-SEM via SmartPLS version 4.1.0.9. The results of the study indicate that zakat literacy and trust in digital payments have a positive and significant effect on the interest in paying zakat digitally, whilst religiosity does not have a significant direct effect. However, religiosity was found to have a significant indirect effect via trust in digital payments. Thus, trust in digital payments acts as a mediator linking religiosity and zakat literacy to the interest in paying zakat digitally amongst zakat payers in the Special Region of Yogyakarta.

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