HOW ISLAMIC SOCIAL FUNDS SUPPORT SUSTAINABLE DEVELOPMENT GOALS DURING COVID OUTBREAK? THE ROLE OF RELIGIOSITY, TRUST, AND PERCEIVED BEHAVIORAL CONTROL

Yunice Karina Tumewang, Intan Tri Annisa, Faaza Fakhrunnas

Abstract


Islamic social fund is proliferating in this most populous Muslim country, particularly in the time of this pandemic. During early 2020, there was a substantial growth of the collection of Islamic social funds for nearly 70% compared to the last year's figure, which is mainly driven by the digitalization of social fund payment. This paper aims to elaborate on the determinants of Islamic social funds to support Sustainable Development Goals (SDGs) program by looking at the intention of the society to donate through the e-payment platform. This study involves 212 users of digital social payments by distributing an online questionnaire. Data analysis was performed using a Structural Equation Model technique in AMOS. This study reveals that religiosity, trust, and perceived behavioral control have a positive and significant effect on the intention to donate through online platforms. Furthermore, when it comes to a specific categorized SDG program, the people sector is the highest priority, followed by Prosperity and Peace sectors.

========================================================================================================

ABSTRAK – Bagaimana Dana Sosial Islam mendukung Sustainable Development Goals dalam Masa Covid-19? Analisis Peran Religiositas, Kepercayaan, dan Persepsi Kontrol Perilaku. Dana sosial Islam berkembang pesat di negara berpenduduk Muslim terbesar ini terutama di saat pandemi. Selama awal tahun 2020, terjadi pertumbuhan tajam atas dana sosial Islam yang berhasil dikumpulkan yaitu sebanyak 70% dibandingkan dengan tahun lalu. Hal ini utamanya didorong oleh digitalisasi pembayaran dana sosial. Penelitian ini bertujuan untuk mengelaborasi determinan pembayaran dana sosial Islam dalam mendukung program SDGs dengan melihat niat masyarakat untuk berdonasi melalui platform pembayaran elektronik. Penelitian ini melibatkan 212 pengguna pembayaran sosial digital dengan menyebarkan kuesioner online. Analisis data dilakukan dengan teknik Structural Equation Model (SEM) di AMOS. Hasil penelitian ini menunjukkan bahwa religiusitas, kepercayaan, dan persepsi tentang control perilaku berpengaruh signifikan positif terhadap niat berdonasi melalui platform online. Terlebih, jika kita teliti terkait program SDG, sektor yang erat berkaitan langsung dengan ‘People’ menempati posisi teratas, diikuti oleh sektor ‘Prosperity’ dan ‘Peace’.


Full Text:

PDF

References


Ahmad Mukhlis, & Irfan Syauqi Beik. (2013). Analysis of Factors Affecting Compliance Level of Paying Zakat: A Case Study in Bogor Regency. Jurnal Al-Muzara'ah.

Ajzen, I., & Fishbein, M. (2005). The Influence of Attitudes on Behavior. In D. Albarracin, B. T. Johnson, & M. P. Zanna (Eds.), The Handbook of Attitudes (pp. 173–221). https://psycnet.apa.org/record/2005-04648-005

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes. https://doi.org/10.1016/0749-5978(91)90020-T

Ajzen, I. (1998). Models of human social behavior and their application to health psychology. Psychology and Health, 13(4), 735–739. https://doi.org/10.1080/08870449808407426

Akmal, R., Musa, A., & Ibrahim, A. (2020). Pengaruh Religiusitas Terhadap Perilaku Etika Bisnis Islam Pedagang Pasar Tradisional Di Kota Banda Aceh. Journal of Sharia Economics, 1(1), 1-21.

Allah Pitchay, A., Mydin Meera, A. K., & Saleem, M. (2015). Factors Influencing the Behavioral Intentions of Muslim Employees to Contribute to Cash-Waqf Through Salary Deductions.

Amin, M., Isa, Z., & Fontaine, R. (2013). Islamic banks: Contrasting the drivers of customer satisfaction on image, trust, and loyalty of Muslim and non-Muslim customers in Malaysia. International Journal of Bank Marketing, 31(2), 79–97. https://doi.org/10.1108/02652321311298627

Andam, A. C., & Osman, A. Z. (2019). Determinants of intention to give zakat on employment income: Experience from Marawi City, Philippines. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-08-2016-0097

Asmalia, S., Awaliah Kasri, R., & Ahsan, A. (2018). Exploring the Potential of Zakah for Supporting Realization of Sustainable Development Goals (SDGs) in Asmalia, S., Awaliah Kasri, R., & Ahsan, A. (2018). Exploring the Potential of Zakah for Supporting Realization of Sustainable Development Goals (SDGs) i. International Journal of Zakat, 3(4). https://doi.org/10.37706/ijaz.v3i4.106

Assadi, D. (2003). Do Religions Influence Customer Behavior? Confronting religious rules and marketing concepts. Cahiers Du CEREN, 5, 2–13.

Azman, F. M. N., & Bidin, Z. (2015). Zakat Compliance Intention Behavior on Saving. International Journal of Business and Social Research.

Bandura, A. (1977). Self-efficacy: Toward a unifying theory of behavioral change. Psychological Review, 84(2), 191–215. https://doi.org/10.1037/0033-295X.84.2.191

Barro, R. J., & McCleary, R. M. (2003). Religion and economic growth across countries. American Sociological Review, 68(5), 760–781. https://doi.org/10.2307/1519761

Butler, J. K. (1991). Toward Understanding and Measuring Conditions of Trust: Evolution of a Condit Toward Understanding and Measuring Conditions of Trust: Evolution of a Conditions of Trust Inventory. Journal of Management, 17(3), 643–663.

Chapra, M. U. (2008). The Islamic Vision of Development in the Light of Maqāsid Al-Sharī‘ah. https://doi.org/10.13140/RG.2.1.4188.5047

Cooper, donald R., & Schindler, P. S. (2011). Schindler - Unknown - business research methods.pdf.

Dietz, G., & Den Hartog, D. N. (2006). Measuring trust inside organisations. Personnel Review, 35(5), 557–588. https://doi.org/10.1108/00483480610682299

Fakhrunnas, F., & Tumewang, Y. K. (2018, December). Strengthening SDGs Through Untapped Waqf Funds: A Blockchain-Based Waqf. Islamic Finance Review.

Firdaus, M., Beik, I. S., Irawan, T., & Juanda, B. (2012). Economic estimation and determinations of Zakat potential in Indonesia. IRTI Working Paper Series.

Flavián, C., Guinalíu, M., & Torres, E. (2005). The influence of corporate image on consumer trust: A comparative analysis in traditional versus internet banking. In Internet Research (Vol. 15, Issue 4, pp. 447–470). https://doi.org/10.1108/10662240510615191

Hair, J., Babin, B. J., Black, W., & Anderson, R. (2009). Multivariate data analysis. Prentice-Hall. https://www.researchgate.net/publication/288254859_Multivariate_data_analysis_Prentice_Hall

Hair, J. F., Hult, G. T. M., Ringle, C., & Sarstedt, M. (2014). A Primer on Partial Least Square Structural Equation Modeling (PLS-SEM). United States of America (USA): SAGE.

HAJI-Othman, Y., Fisol, W. N. M., & Yusuff, M. S. S. (2018). The Moderating Effect of Islamic Religiosity on Compliance Behavior of Income Zakat in Kedah, Malaysia. International Journal of Academic Research in Accounting, Finance and Management Sciences, 8(2), 281–286.

Heikal, M., & Falahuddin. (2014). The Intention to Pay Zakat Commercial: An Application of Revised Theory of Planned Behavior. Journal of Economics and Behavioral Studies. https://doi.org/10.22610/jebs.v6i9.532

Hoq, M. Z. A. M. (2009). The Role of Customer Satisfaction to Enhance Customer Loyalty. African Journal of Business Management, 2.

Huda, N., & Ghofur, A. (2016). Analisis Intensi Muzakkî Dalam Membayar Zakat Profesi. Al-Iqtishad: Journal of Islamic Economics. https://doi.org/10.15408/aiq.v4i2.2547

Ibrahim, A. (2018). Islamic Work Ethics and Economic Development in Islamic Countries: Bridging Between Theory and Reality. Paper presented at the International Conference on Moslem Society, IIUM, Kuala Lumpur.

Idris, K. M., Bidin, Z., & Saad, R. A. J. (2012). Islamic religiosity measurement and its relationship with business income zakat compliance behavior. Jurnal Pengurusan. https://doi.org/10.17576/pengurusan-2012-34-01

Indahsari, K. (2013). Preferensi individu muslim dalam penyaluran zakat, infak, Shadaqah dan waqaf (ZISWA): kendala pembangunan sektor ketiga. Media Trend.

Kamri, N. A., Ramlan, S. F., & Ibrahim, A. (2014). Qur'anic Work Ethics. Journal of Usuluddin, 40(July-December), 135-172.

Khraim, H. (2010). Measuring Religiosity in Consumer Research From an Islamic Perspective. Journal of Economic and Administrative Sciences. https://doi.org/10.1108/10264116201000003

Latief, N. F. (2019). Managing Zakat in the 4.0 Era: An Implementation of Simba in BAZNAS of North Sulawesi. Share: Jurnal Ekonomi dan Keuangan Islam, 8(2), 238-255.

Lehrer, E. L. (2004). Religion as a Determinant of Economic and Demographic Behavior in the United States on JSTOR. Population and Development Review, 707–726. https://www.jstor.org/stable/3657335?seq=1

Mcdaniel, S. W., & Burnett, J. J. (1990). Consumer Religiosity and Retail Store Evaluative Criteria. Journal of the Academy of Marketing Science, 18(2), 101–112.

Moschis, G. P., & Ong, F. S. (2011). Religiosity and consumer behavior of older adults: A study of subcultural influences in Malaysia. Journal of Consumer Behaviour, 10(1), 8–17. https://doi.org/10.1002/cb.342

Osman, A. F. (2014). An Analysis Of Cash Waqf Participation Among Young Intellectuals. Proceedings of International Academic Conferences.

Pajares, F. (1996). Self-efficacy beliefs in academic settings. Review of Educational Research, 66(4), 543–578. https://doi.org/10.3102/00346543066004543

Rifai, A., Muwardi, D., Fitri, J. R., & Rangkuti, N. (2008). Jurnal Industri dan Perkotaan. JIP ( Jurnal Industri Dan Perkotaan ), 12(22), 1786. https://jip.ejournal.unri.ac.id/index.php/JIP/article/view/580

Ringle, C. M., Wende, S., & Becker, J.-M. (2015). SmartPLS. Bönningstedt: SmartPLS.

Salma Al Azizah, U., R., & Choirin, M. (2018). Correlation between Corporate Zakat, Capital Structures, and Firm's Performance: Case Study of Jakarta Islamic Index, Indonesia. International Journal of Zakat, 3(4), 83–94. https://doi.org/10.37706/ijaz.v3i4.108

Sauer, J. B. (2002). Metaphysics and economy - The problem of interest: A comparison of the practice and ethics of interest in Islamic and Christian cultures. International Journal of Social Economics, 29(1–2), 97–118. https://doi.org/10.1108/03068290210413010

Souiden, N., & Rani, M. (2015). Consumer attitudes and purchase intentions toward Islamic banks: The influence of religiosity. International Journal of Bank Marketing, 33(2), 143–161. https://doi.org/10.1108/IJBM-10-2013-0115

UNDP. (2019). The Sustainable Development Goals Report 2019.

Yughi, S. A. (2019). Faktor Preferensi Individu Muzakki Lembaga Zakat Informal. Iqtishoduna: Jurnal Ekonomi Islam.

Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and Intention to Pay Zakat : A Theory Planned Behavior View Evidence from Indonesian Muzakki. International Journal of Zakat.




DOI: http://dx.doi.org/10.22373/share.v10i1.9302

Refbacks

  • There are currently no refbacks.




Copyright (c) 2021 Yunice Karina Tumewang, Intan Tri Annisa, Faaza Fakhrunnas

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.