Pengaruh Persepsi Kegunaan, Persepsi Kemudahan dan Persepsi Risiko Terhadap Minat Nasabah Membayar Zakat, Infaq dan Shodaqoh (ZIS) Menggunakan Fitur Berbagi-Ziswaf Pada Mobile Banking Bank Syariah Indonesia

The Influence of Perceived Usefulness, Perceived Easy and Perceived Risk on Customer Interest in Paying Zakat, Infaq and Shodaqoh (ZIS) Using the Sharing-Ziswaf Feature in Bank Syariah Indonesia Mobile Banking

Kesenjangan antara potensi ZIS dan penerimaan ZIS menjadi merupakan hal yang penting. Di Indonesia, potensi ZIS dinilai cukup besar dikarenakan banyaknya penduduk muslim yang mendominasi, tetapi jumlah penghimpunan ZIS belum maksimal. Dengan adanya pemanfaatan digitalisasi penghimpunan ZIS khususnya melalui fitur berbagi-ziswaf pada mobile banking Bank Syariah Indonesia dapat membantu mengatasi permasalahan kesenjangan dana ZIS, karena dapat memudahkan masyarakat muslim membayar ZIS kapanpun dan dimanapun.  Penelitian ini bertujuan untuk menganalisis pengaruh persepsi kegunaan, persepsi kemudahan dan persepsi risiko terhadap minat nasabah membayar Zakat, Infaq, dan Shodaqoh (ZIS) menggunakan fitur berbagi-ziswaf pada mobile banking Bank Syariah Indonesia. Data dianalisis menggunakan teknik SEM-PLS. Total responden yang telah mengisi kuisioner sebanyak 106 orang yang menjadi nasabah BSI. Sumber data yang digunakan pada penelitian ini bersumber dari data primer. Pengambilan sampel menggunakan teknik purposive sampling Hasil penelitian menunjukkan bahwa persepsi kegunaan dan persepsi kemudahan berpengaruh positif terhadap minat nasabah dalam membayar ZIS menggunakan fitur berbagi-ziswaf pada mobile banking BSI sementara persepsi risiko berpengaruh negatif terhadap minat nasabah dalam membayar ZIS menggunakan fitur berbagi-ziswaf pada mobile banking BSI.

Kata Kunci : Persepsi Kegunaan, Persepsi Kemudahan, Persepsi Risiko, Minat Nasabah, Perbankan Syariah, ZIS. 

The gap between ZIS potential and ZIS revenue is an important issue. In Indonesia, the potential for ZIS is considered quite large due to the large Muslim population that dominates, but the amount of ZIS collection has not been maximized. By utilizing digitalization of ZIS collection, especially through the ziswaf sharing feature on Bank Syariah Indonesia's mobile banking, it can help overcome the problem of the ZIS fund gap, because it can make it easier for Muslim communities to pay ZIS anytime and anywhere. This research aims to analyze the influence of perceived usefulness, perceived easy and perceived risk on customers' interest in paying Zakat, Infaq and Shodaqoh (ZIS) using the ziswaf-sharing feature on Bank Syariah Indonesia's mobile banking. Data were analyzed using the SEM-PLS technique. The total number of respondents who filled out the questionnaire were 106 people who were BSI customers. The data source used in this research comes from primary data. Sampling used a purposive sampling technique. The results of the study showed that perceived usefulness and perceived easy had a positive effect on customers' interest in paying ZIS using the ZIS-sharing feature on BSI mobile banking while perceived risk had a negative effect on customers' interest in paying ZIS using the ZIS-sharing feature on mobile BSI banking.

Keywords : Perceived usefulness, perceived easy, perceived risk, costumers interest, Syariah banking, ZIS.