Hidayatullah, Nurus Shefrilianti (2025) ANALYSIS THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL PAYMENT ON CHARITY INTEREST (Study on LAZISWAF University of Darussalam Gontor). S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

Indonesia, as the country with the world's largest Muslim majority, has great potential for mobilizing social funds through Islamic instruments such as zakat, infaq, sadaqah, and waqf (ZISWAF). One of the important instruments in Islam that significantly impacts the economy and social welfare, particularly in poverty alleviation, is charity. Sadaqah is an act of giving a portion of wealth, goods, or various forms of assistance to those in need. The Zakat, Infaq, Sadaqah, and Waqf Institution (LAZISWAF) of the University of Darussalam Gontor is a social fund management institution specializing in zakat, infaq, sadaqah, and waqf funds. The mobilization of sadaqah funds has enormous potential due to Indonesia’s Muslim population being the largest among other countries. This study aims to examine the influence of financial literacy and payment methods on an individual's interest in giving sadaqah. The research method used is a quantitative approach. Data collection techniques involve both secondary and primary data. Primary data is obtained through respondents' answers in surveys/questionnaires distributed using a random sampling technique. The sample was determined using the Slovin formula, namely, 133 respondents with a total population of 199 people. Meanwhile, data processing techniques use E-Views 12 software and multiple linear regression analysis techniques. The results of this study indicate that partially the financial literacy variable (X1) has a probability value of 0.000 <0.05, which means is H0 is rejected, and Ha is accepted. And the payment method variable (X2) has a probability value of 0.000 <0.05, which that means is H0 is rejected, and Ha is accepted. Meanwhile, the F-statistic value of 26.640 > F-table is 3.065, and the probability F-statistic value of 0.000 <0.05. So, it can be concluded that variables X1 and X2 simultaneously positively and significantly affect variable Y. The influence exerted by the independent variables on the dependent variable simultaneously is 60.8%. At the same time, the remaining 39.2% is influenced by another variable not examined by the researcher. Keywords: Financial Literacy, Digital Payment, Charity Interest, LAZISWAF

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