Main Article Content
Abstract
The evolution of digital technology has revolutionized how Generation Z in Indonesia engages in charitable acts through online avenues. This research examined the impact of charity literacy, religiosity, and UTAUT elements (performance expectancy, effort expectancy, facilitating conditions, and social influence) on the intentions to donate online. A quantitative associative method was employed with 160 respondents from Generation Z, utilizing a 5-point Likert scale questionnaire and analyzed using PLS-SEM through SmartPLS 4.0. The findings revealed that performance expectancy and facilitating conditions significantly influenced online charitable intentions, whereas effort expectancy, social influence, religiosity, and charity literacy had no significant impact. These six factors accounted for 38.3% of the variability in digital charity intentions. These results highlight the necessity for technological accessibility and sufficient resources to boost Generation Z's involvement in digital philanthropy while promoting the importance of charity literacy education and religious principles to enhance the significance of charitable practices.
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References
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References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Amelia, N., Rahmawati, R., Lismawati, L., & Khairi, R. (2023). Urgensi Ziswaf Dalam Pengembangan Perekonomian Di Indonesia. Sharing: Journal of Islamic Economics, Management and Business, 2(2), 157–168. https://doi.org/10.31004/sharing.v2i2.23408
Amir, Y. (2021). Pengembangan Skala Religiusitas untuk Subyek Muslim. Indonesian Journal for The Psychology of Religion, 1(1), 47–60. https://doi.org/10.24854/ijpr403
Anisah, A. S., Irvani, A. I., Marwah, S. S., Pendidikan, P., Islam, A., & Garut, U. (2024). Penggunaan Teknologi Digital Terhadap Pemikiran Dan Praktik Keagamaan Gen-Z. Jurnal Ilmiah Pendidikan Citra Bakti, 11, 754–767.
Anwar, R. N., & Alviayatun, T. (2022). The effect of performance expectancy, effort expectancy, social influence, facilitating conditions on mobile wallet adoption. Fair Value : Jurnal Ilmiah Akuntansi Dan Keuangan, 4(5), 2211–2223. https://journal.ikopin.ac.id/index.php/fairvalue
Baber, H. (2021). Religiosity and intention to participate in donation-based crowdfunding. Journal of Management, Spirituality and Religion, 18(3), 218–238. https://doi.org/10.51327/DKES9686
Badrawani, W. (2022). Measuring Central Bank’s Policy Effectiveness in Affecting Intention to Use New Payment Platform During The COVID-19 Pandemic. International Journal of Economics and Management, 16(3), 319–337. https://doi.org/10.47836/ijeam.16.3.04
Bayumi, F. (2023). Pengaruh Performance Expectancy, EffortExpectancy, Dan Facilitating Condition Terhadap Kinerja Keuangan Bank Jambi, Dengan Actual UsageSebagai Variabel Mediasi (Studi Pada Pengguna Aplikasi Bank Jambi Mobile). Jurnal Manajemen Terapan Dan Keuangan (Mankeu, 12(01), 14–27.
Blut, M., Yee, A. Y. L., Chong, L., Tsigna, Z., & Venkatesh, V. (2022). Meta-Analysis of the Unified Theory of Acceptance and Use of Technology (UTAUT): Challenging its Validity and Charting a Research Agenda in the Red Ocean. Journal of the Association for Information Systems, 23(1), 13–95. https://aisel.aisnet.org/jais/vol23/iss1/10
El Hafiz, S., & Aditya, Y. (2021). Kajian Literatur Sistematis Penelitian Religiusitas di Indonesia: Istilah, Definisi, Pengukuran, Hasil Kajian, serta Rekomendasi. Indonesian Journal for The Psychology of Religion, 1(1), 1–22. https://doi.org/10.24854/ijpr428
Fadheel Djamaly, M. (2023). The Role of Social Media in Generation Z Decision-Making Process To Watch Films in Cinemas. Jurnal Ekonomi, 12(02), 2023. http://ejournal.seaninstitute.or.id/index.php/Ekonomi
Fadhilah, J., Layyinna, C. A. A., Khatami, R., & Fitroh, F. (2021). Pemanfaatan Teknologi Digital Wallet Sebagai Solusi Alternatif Pembayaran Modern: Literature Review. Journal of Computer Science and Engineering (JCSE), 2(2), 89–97. https://doi.org/10.36596/jcse.v2i2.219
Faradila, A., Sianturi, R. S., & Kurnianingtyas, D. (2024). Analisis Faktor-Faktor yang Memengaruhi Niat Penggunaan Sistem Pembayaran Digital. Jutisi : Jurnal Ilmiah Teknik Informatika Dan Sistem Informasi, 13(2), 1183. https://doi.org/10.35889/jutisi.v13i2.2096
Frasya Nanda Tri Anisa, & Puspawati, D. (2025). Penerapan Model Utaut dan Trust Terhadap Niat Pembayaran Zakat Secara Online. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 7(4), 2305–2323. https://doi.org/10.47467/alkharaj.v7i4.7602
Hafiz, S. El. (2021). Skala Religiusitas Muslim Indonesia: Mencari Pengukuran Aspek Beragama yang Valid. Jurnal Psikologi Islam, 8(1), 1–8. https://doi.org/10.47399/jpi.v8i1.131s
Hamidah, N. N., Aligarh, F., Setiawan, A., Usnan, U., & Hilmi, F. (2024). Why do Indonesian Muslims Donate through Crowdfunding Platforms? An Integration of UTAUT, Transparency, and Trust. International Journal of Islamic Economics and Finance (IJIEF), 7(2), 267–288. https://doi.org/10.18196/ijief.v7i2.22556
Haryanto, R., Bakri, A. A., Samosir, H. E. S., Idris, D. L., Fauzan, T. R., & Agustina, W. (2023). Digital Literacy and Determinants of Online Zakat Payments Lessons From Indonesia Experience With Utaut. Journal of Law and Sustainable Development, 11(4), 1–18. https://doi.org/10.55908/sdgs.v11i4.575
Ikawati, R., Afriadi, F., Fitriyani, Y., Ash Shidiqie, J. S., & Lidasan, M. S. (2024). Exploring online infaq intentions of young Muslim. Asian Journal of Islamic Management (AJIM), 6(23), 12–22. https://doi.org/10.20885/ajim.vol6.iss1.art2
Juniarty, S., Asariunnazwa, A. Z., & Rachman, I. F. (2024). Seni+Juniarty+1383. (Mewujudkan Literasi Digital Pada Generasi Z : Tantangan Dan Peluang Menuju Pendidikan Berkualitas SDGS 2030), Multidisiplin Ilmu Akademik, 1, No.3, 167–180.
Kasri, R. A., & Sosianti, M. W. (2023). Determinants of the Intention To Pay Zakat Online: the Case of Indonesia. Journal of Islamic Monetary Economics and Finance, 9(2), 275–294. https://doi.org/10.21098/jimf.v9i2.1664
Khotimah, N. (2018). Pengaruh Religiusitas, Kepercayaan, Citra Perusahaan, dan Sistem Bagi Hasil Terhadap Minat Nasabah Menabung dan Loyalitas di Bank Syariah Mandiri (Studi Kasus Pada Nasabah Bank Syariah Mandiri Gresik. Jmm17, 5(01). https://doi.org/10.30996/jmm17.v5i01.1712
Kristina, N., & Harris, I. (2020). The Technology Acceptance Model of Mobile Payment Usage on Generation Z. Binus Business Review, 11(3), 149–156. https://doi.org/10.21512/bbr.v11i3.6394
Kurniawan, I., & Dzikrulloh. (2023). Gen Z Behavioral Intention to Pay Zakat : The Effect Ease of Digital Payment Literacy Zakat and Religiosity Indra. Journal of Sharia Economics, 5(3), 27–28. http://dx.doi.org/10.35896/jse
Latipah, Y., Supriani, I., & Sudarsono, H. (2024). What Drives the Intention of Millennials and Generation Z To Pay Zis Via Digital Platform? Religiosity As the Moderating Variable. Jurnal Ekonomi Dan Bisnis Islam (Journal of Islamic Economics and Business), 10(2), 380–408. https://doi.org/10.20473/jebis.v10i2.62338
Luthfi, U. (2023). Pengaruh Kompetensi, Motivasi Kerja dan Lingkungan Kerja Terhadap Kedisiplinan Account Officer di Cabang Bandung Serta Dampaknya dalam Pencapaian Kinerja Karyawan di PT Permodalan Nasional Madani. Journal of Economics and Business UBS, 12(6), 3959–3978. https://doi.org/10.52644/joeb.v12i6.1400
Maharani, D. P., Suryaningrum, A. S., Nuraini, D. A., Anggraini, O. W. N., Yuliani, D. A., Prahesti, A., & Nurrohim, A. (2025). Integrasi Nilai-nilai Islam dalam Pemanfaatan Teknologi Digital oleh Generasi Z di Era Moderen: Integration of Islamic Values in the Use of Digital Technology by Generation Z in the Modern Era. DIRASAH: Jurnal Kajian Islam, 2(1), 94. https://litera-academica.com/ojs/dirasah/article/view/101%0Ahttps://litera-academica.com/ojs/dirasah/article/download/101/77
Mahmudza, G. A., & Sudarsono, H. (2024). Intention To Infaq and Sedekah Via Digital Platforms: the Case of Muslim Students in Java. Jurnal Syarikah : Jurnal Ekonomi Islam, 10(1), 1–11. https://doi.org/10.30997/jsei.v10i1.10953
Noviarita, H., Indahsari, L., & Abdul Chalid, M. H. (2024). Islamic Philanthropy Literacy in Improving Welfare and Sustainable Economic Growth in Lampung Province. KnE Social Sciences, 2024, 460–470. https://doi.org/10.18502/kss.v9i12.15873
Nurhalimah. (2021). Pengaruh Social Influence Terhadap Behavioral Intention Penggunaan Marketplace Pada UMKM Di Kota Bandung. Jurnal Digital Bisnis, Modal Manusia, Marketing, Entrepreneurship, Finance, & Strategi Bisnis (DImmensi), 1(1), 1–8. https://jurnal.usbypkp.ac.id/index.php/adbisindonesia/article/view/771/347
Pulungan, I. A., Harahap, D., Alfadri, F., & Wardana, A. (2022). Analisis literasi zakat infaq dan shadaqah melalui penggunaan mobile banking (pada nasabah di PT BSI KCP Gunung Tua). JISFIM: Journal of Islamic Social Finance Management, 2, 121–130. http://etd.uinsyahada.ac.id/9535/%0Ahttp://etd.uinsyahada.ac.id/9535/1/1740100353.pdf
Puspawati, D., Abas, N. I., & Ariani, K. R. (2024). Niat Melakukan Islamic Online Donation Pada Generasi Z: Peran Attitude Sebagai Mediator Pada Model UTAUT-3. Jurnal Reviu Akuntansi Dan Keuangan, 14(3), 817–833. https://doi.org/10.22219/jrak.v14i3.35224
Rachmadi, A., Dwi Herlambang, A., & Ferghyna. (2020). Pengaruh Facilitating Conditions dan Behavioral Intention terhadap Use Behavior pada Pengguna Aplikasi BNI Mobile Banking. Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer, 4(9), 3201–3208. http://j-ptiik.ub.ac.id
Rifa’i, A., Rachmawati, I. K., Pradiani, T., & Ruspitasari, W. D. (2024). Penerapan Model Unified Theory of Acceptance Dan Use of Technology (Utaut2) Untuk Menjelaskan Behavioral Intention Dan Actual Usage Penggunaan Aplikasi Qris Di Kota Malang. PERFORMANCE: Jurnal Bisnis & Akuntansi, 14(2), 13–26. https://doi.org/10.24929/feb.v14i2.3716
Riskawati, R., Rebelia H. Savitri, & Norazlina Abd Wahab. (2023). Findings on the Evolution of Pre-and Post-Covid-19 Digital Payment Systems in Indonesia: Systematic Literature Review. Indonesian Journal of Contemporary Multidisciplinary Research, 2(6), 1231–1244. https://doi.org/10.55927/modern.v2i6.6771
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