The Determinan Niat Crowdfunders Dalam Menggunakan Model Wakaf Crowdfunding: Integrasi 3 Model dengan Kepercayaan Sebagai Mediasi
DOI:
https://doi.org/10.30603/ab.v19i2.4186Kata Kunci:
Crowdfunding Wakaf Uang, Tecnology Acceptence Model, Planed Behavior, Use of TechnologyAbstrak
Potensi wakaf sangat besar di Indonesia, namun belum dapat teroptimalkan. Perkembangan model wakaf sangat berbagai macam salah satunya adalah wakaf uang. Dengan perkembangan teknologi dapat menjadi peluang memaksimalkan pengumpulan dana wakaf tunai di Indonesia. Penelitian ini bertujuan untuk memberikan pengetahuan bagi lembaga wakaf untuk mengadopsi teknologi keuangan dalam mengembangkan wakaf uang sebagai wakaf produktif dan sosial. Penelitian melakukan penilaian terhadap Technology Acceptance Model (TAM 3), Theory of Planned Behavior (TPB), Unified Theory of Acceptence and Use of Technology (UTAUT 2), Perceived Trust (PT) sebagai variable mediasi dalam melihat perilaku dari muwakif. Penelitian ini menggunakan model analisis persamaan structural structural (Structural Equation Modeling/SEM) untuk menguji hipotesis. Berdasarkan purposive sampling, penyebaran kuesioner melalui survei online menggunakan google form dari berbagai daerah. Responden yang terkumpul dari penelitian ini sebanyak 126 dari kuesioner yang telah diberikan. Hasil penelitian menunjukkan bahwa TAM3, TPB dan UTAUT2 tidak berpengaruh terhadap niat perilaku crowdfunders. PT berpengaruh positif signifikan terhadap niat perilaku. UTAUT2 berpengaruh terhadap niat perilaku yang dimediasi oleh PT. Hasil penelitian ini memberikan saran kepada otoritas wakaf untuk meningkatkan penghimpunan wakaf dengan menintegrasikan fintech dan mempromosikan kepada seluruh masyarkat.
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