Hasanah, Ade Puteri (2024) THE INFLUENCE OF LITERACY, DIGITALIZATION, AND PERCEICEIVED EASE OF USE ON MUZAKKI INTERESTS IN PAYING ZAKAT ONLINE AT DOMPET DHUAFA. S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

Zakat is one of the instruments that can help to improve the economic and social welfare of society. However, zakat management in Indonesia faces significant challenges, particularly the gap between the zakat potential and the actual collection. According to the 2024 BAZNAS report, the zakat potential reached IDR 327 trillion, yet the actual collection amounted to only IDR 41 trillion. Low zakat literacy, suboptimal implementation of digitalization, and perceptions regarding the ease of use of digital platforms are believed to influence the public's interest in paying zakat online. Therefore, it is necessary to enhance the factors that encourage Muzakki's interest in paying zakat, particularly through the digital systems. This study aims to measure the influence of zakat literacy, digitalization, and perceived ease of use on the intention to pay zakat online, as well as the contribution of each variable. This quantitative research uses the primary data collected from 315 respondents through a simple random sampling method. The data analyzed are the responses to a questionnaire that distributed via Google Forms. The research population consists of muzakki, while the sample focuses on muzakki from Dompet Dhuafa, chosen due to a decline in zakat collection despite the implementation of a digital system. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with SmartPLS 3.0 software to examine the relationships between variables. The results of the study show that zakat literacy has a positive and significant influence on the intention to pay zakat online, with a P-value of 0.000 and a contribution of 44%. This indicates that zakat literacy effectively increases muzakki's understanding and awareness of fulfilling their zakat obligations. Digitalization also has a positive and significant impact, with a P-value of 0.022 and a contribution of 23%. This demonstrates that the utilization of digital technology facilitates access, including in digital-based zakat payments. Perceived ease of use has a significant influence as well, with a P-value of 0.008 and a contribution of 26%. A well-designed digital system that is easy to use enhances the comfort and interest of muzakki in paying zakat online. Collectively, these three variables account for 73.5% of the influence on muzakki's intention to pay zakat online, indicating a strong combined effect. This study recommends that zakat institutions enhance public zakat literacy, develop digital innovations, and ensure the accessibility and user-friendliness of online zakat payment platforms to maximize the national zakat potential. Keywords: Literacy, Digitalization, Perceived Ease of Use

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