Analisis Faktor-Faktor yang Memengaruhi Minat Muslim Gen Z Membayar Zakat Menggunakan Digital Payment dengan Model UTAUT dan Dimediasi oleh Kepercayaan

Analysis of Factors Affecting Gen Z Muslim Intention to Pay Zakat Using Digital Payment with UTAUT Model and Mediated by UTAUT

Tujuan penelitian ini adalah menganalisis faktor-faktor yang dapat memengaruhi minat muslim Gen Z membayar zakat melalui digital payment. Teori yang digunakan dalam penelitian ini adalah UTAUT. Total responden yang telah mengisi kuesioner adalah sebanyak 158 orang yang menjadi pengguna layanan digital payment. Data dianalisis menggunakan SEM-PLS untuk menguji hipotesis. Hasil penelitian menunjukkan bahwa effort expectancy, social influence, facilitating conditions, dan kepercayaan berpengaruh terhadap minat membayar zakat melalui digital payment sementara performance expectancy tidak berpengaruh. Di samping itu, kepercayaan dapat memediasi pengaruh antara social influence dan facilitating conditions terhadap behavioral intention sementara kepercayaan tidak dapat memediasi pengaruh performance expectancy dan effort expectancy terhadap behavioral intention.

Kata kunci: Gen Z, Zakat, Digital Payment, UTAUT 

This study aimed to analyze the factors that can influence the interest of Muslims Gen Z to pay zakat through digital payments. The theory used in this research is UTAUT. The total number of respondents who filled out the questionnaire was 158 people who are users of digital payment services. Data were analyzed using PLS-SEM to test the hypothesis. The results of the study show that effort expectancy, social influence, facilitating conditions, and trust have an effect on intention to pay zakat through digital payments, while performance expectancy have no effect. In addition, trust mediates social influence and facilitating conditions on behavioral intention while trust not mediates performance expectations and effort expectations on behavioral intentions.

Keywords: Gen Z, Zakat, Digital Payment, UTAUT