Email this article 1.jpg){kind=logo}
Why do Indonesian Muslims Donate through Crowdfunding Platforms? An Integration of UTAUT, Transparency, and Trust
Abstract
Indonesia's recognition as the most charitable country in the world makes research on donations through crowdfunding platforms an intriguing subject for study. The objective of this study is to analyze the impact of technology and institutions factors on people's intentions to donate through the crowdfunding platform. This study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) with a sample size of 155 questionnaires. The results indicate that components of Unified Theory of Acceptance and Use of Technology (UTAUT) (performance expectancy, effort expectancy, facilitating conditions, and social influence) and institutional factors (trust and transparency) have a significant positive influence on people's intentions to donate through the platform kitabisa.com. These findings imply the importance of developing new technologies for philanthropic organizations and increasing public intention to donate, especially through donation crowdfunding. This research also contributes theoretically to the development of the UTAUT model by integrating trust and transparency.
Keywords
Full Text:
PDFReferences
Ab Shatar, W. N., Hanaysha, J. R., & Tahir, P. R. (2021b). Determinants of cash waqf fund collection in Malaysian Islamic banking institutions: Empirical insights from employees’ perspectives. ISRA International Journal of Islamic Finance, 13(2), 177–193. https://doi.org/10.1108/IJIF-06-2020-0126
Abdeldayem, M., & Aldulaimi, S. (2023). Developing an Islamic crowdfunding model: A new innovative mechanism to finance SMEs in the Middle East. International Journal of Organizational Analysis, 31(6), 2623–2644. https://doi.org/10.1108/IJOA-02-2022-3159
Acioli, C., Scavarda, A., & Reis, A. (2021). Applying Industry 4.0 technologies in the COVID–19 sustainable chains. International Journal of Productivity and Performance Management, 70(5), 988–1016. https://doi.org/10.1108/IJPPM-03-2020-0137
Afum, E., Agyabeng-Mensah, Y., Sun, Z., Frimpong, B., Kusi, L. Y., & Acquah, I. S. K. (2020). Exploring the link between green manufacturing, operational competitiveness, firm reputation and sustainable performance dimensions: A mediated approach. Journal of Manufacturing Technology Management, 31(7), 1417–1438. https://doi.org/10.1108/JMTM-02-2020-0036
Ahmed, S., & Sur, S. (2023). Change in the uses pattern of digital banking services by Indian rural MSMEs during demonetization and Covid-19 pandemic-related restrictions. Vilakshan - XIMB Journal of Management, 20(1), 166–192. https://doi.org/10.1108/XJM-09-2020-0138
Aji, H. M., Albari, A., Muthohar, M., Sumadi, S., Sigit, M., Muslichah, I., & Hidayat, A. (2021). Investigating the determinants of online infaq intention during the COVID-19 pandemic: An insight from Indonesia. Journal of Islamic Accounting and Business Research, 12(1), 1–20. https://doi.org/10.1108/JIABR-05-2020-0136
Aligarh, F. (n.d.). Do Individual Factors, Religiosity Factors, and Demographic Factors Predict Intention to Pay Zakat. Al-Uqud : Journal of Islamic Economics, 5(1).
Alkhwaldi, A. F., Al-Qudah, A. A., Al-Hattami, H. M., Al-Okaily, M., Al-Adwan, A. S., & Abu-Salih, B. (2023). Uncertainty avoidance and acceptance of the digital payment systems: A partial least squares-structural equation modeling (PLS-SEM) approach. Global Knowledge, Memory and Communication. https://doi.org/10.1108/GKMC-07-2022-0161
Almukhlifi, A., Deng, H., & Kam, B. (2019). E-Government Adoption in Saudi Arabia: The Moderation Influence of Transparency. Journal of Advances in Information Technology, 10(1), 1–8. https://doi.org/10.12720/jait.10.1.1-8
Al-Okaily, M., Alkhwaldi, A. F., Abdulmuhsin, A. A., Alqudah, H., & Al-Okaily, A. (2023). Cloud-based accounting information systems usage and its impact on Jordanian SMEs’ performance: The post-COVID-19 perspective. Journal of Financial Reporting and Accounting, 21(1), 126–155. https://doi.org/10.1108/JFRA-12-2021-0476
Al-Saedi, K., Al-Emran, M., Ramayah, T., & Abusham, E. (2020). Developing a general extended UTAUT model for M-payment adoption. Technology in Society, 62, 101293. https://doi.org/10.1016/j.techsoc.2020.101293
Alsalem, A., Fry, M.-L., & Thaichon, P. (2020). To Donate or to Waste It: Understanding Posthumous Organ Donation Attitude. Australasian Marketing Journal, 28(3), 87–97. https://doi.org/10.1016/j.ausmj.2020.04.001
Amin, H., Jam, N. S., Ring, P. J., Suhartanto, D., Mai, M. U., Razak, D. A., & Shaikh, I. M. (2024). Examining Cash Waqf from the Perspectives of Malaysian Actual Donors. International Journal of Islamic Economics and Finance (IJIEF), 7(1), 473–489. https://doi.org/10.18196/ijief.v7i1.21334
Baber, H., & Fanea-Ivanovici, M. (2023). Motivations behind backers’ contributions in reward-based crowdfunding for movies and web series. International Journal of Emerging Markets, 18(3), 666–684. https://doi.org/10.1108/IJOEM-01-2021-0073
Balle, A. R., Oliveira, M., & Curado, C. M. M. (2020). Knowledge sharing and absorptive capacity: Interdependency and complementarity. Journal of Knowledge Management, 24(8), 1943–1964. https://doi.org/10.1108/JKM-12-2019-0686
Bin-Nashwan, S. A., & Al-Daihani, M. (2021). Fundraising campaigns via social media platforms for mitigating the impacts of the COVID-19 epidemic. Journal of Islamic Marketing, 12(3), 576–597. https://doi.org/10.1108/JIMA-07-2020-0200
Bin-Nashwan, S. A., Ismaiel, A. E. A., Muneeza, A., & Isa, M. Y. (2023). Adoption of ZakaTech in the time of COVID-19: Cross-country and gender differences. Journal of Islamic Marketing, 14(11), 2949–2979. https://doi.org/10.1108/JIMA-08-2021-0278
Bin-Nashwan, S. A., Shah, M. H., Abdul-Jabbar, H., & Al-Ttaffi, L. H. A. (2023). Social-related factors in integrated UTAUT model for ZakaTech acceptance during the COVID-19 crisis. Journal of Islamic Accounting and Business Research, 14(8), 1383–1403. https://doi.org/10.1108/JIABR-02-2022-0038
Čater, T., Čater, B., Černe, M., Koman, M., & Redek, T. (2021). Industry 4.0 technologies usage: Motives and enablers. Journal of Manufacturing Technology Management, 32(9), 323–345. https://doi.org/10.1108/JMTM-01-2021-0026
Çavuşoĝlu, S., Demirağ, B., Durmaz, Y., & Tutuş, G. (2023). Effects of intrinsic and extrinsic religiosity on value-expressive and social-adjustive attitude functions towards product. Journal of Islamic Marketing, 14(2), 586–606. https://doi.org/10.1108/JIMA-02-2021-0045
C.C., S., & Prathap, S. K. (2020). Continuance adoption of mobile-based payments in Covid-19 context: An integrated framework of health belief model and expectation confirmation model. International Journal of Pervasive Computing and Communications, 16(4), 351–369. https://doi.org/10.1108/IJPCC-06-2020-0069
Chan, R., Troshani, I., Rao Hill, S., & Hoffmann, A. (2022). Towards an understanding of consumers’ FinTech adoption: The case of Open Banking. International Journal of Bank Marketing, 40(4), 886–917. https://doi.org/10.1108/IJBM-08-2021-0397
Chen, L., Jia, J., & Wu, C. (2023). Factors influencing the behavioral intention to use contactless financial services in the banking industry: An application and extension of UTAUT model. Frontiers in Psychology, 14, 1096709. https://doi.org/10.3389/fpsyg.2023.1096709
Chen, Y., Dai, R., Wang, L., Yang, S., Li, Y., & Wei, J. (2021). Exploring donor’s intention in charitable crowdfunding: Intrinsic and extrinsic motivations. Industrial Management & Data Systems, 121(7), 1664–1683. https://doi.org/10.1108/IMDS-11-2020-0631
Chetioui, Y., Satt, H., Lebdaoui, H., Baijou, M., Dassouli, S., & Katona, S. (2023). Antecedents of giving charitable donations (Sadaqah) during the COVID-19 pandemic: Does Islamic religiosity matter? Journal of Islamic Marketing, 14(5), 1169–1187. https://doi.org/10.1108/JIMA-09-2021-0296
Darmansyah, D., Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2021). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4), 794–812. https://doi.org/10.1108/JIMA-12-2019-0252
Destrianti Karmanto, G., Mahri, A. J. W., & Nurasyiah, A. (2020). Society Intention in Distribution of Zakat, Infaq and Shadaqah (ZIS) through the Use of Crowdfunding Platform. Falah: Jurnal Ekonomi Syariah, 6(1), 30–44. https://doi.org/10.22219/jes.v6i1.15133
Emueje, I., & Tochi, I. (2020). Effect of Organizational Transparency on Organizational Performance: A Survey of Insurance Companies in Lagos State Nigeria. Journal of Economics, Management and Trade, 52–62. https://doi.org/10.9734/jemt/2020/v26i430248
Farzin, M., Sadeghi, M., Yahyayi Kharkeshi, F., Ruholahpur, H., & Fattahi, M. (2021). Extending UTAUT2 in M-banking adoption and actual use behavior: Does WOM communication matter? Asian Journal of Economics and Banking, 5(2), 136–157. https://doi.org/10.1108/AJEB-10-2020-0085
Florenthal, B., Awad, M., & Godar, S. (2020). Nonprofits meet millennials: A hybrid approach of uses and gratifications and TAM to identify the drivers of monetary donation intention. Young Consumers, 21(4), 435–449. https://doi.org/10.1108/YC-03-2020-1106
Frank, A. G., Dalenogare, L. S., & Ayala, N. F. (2019). Industry 4.0 technologies: Implementation patterns in manufacturing companies. International Journal of Production Economics, 210, 15–26. https://doi.org/10.1016/j.ijpe.2019.01.004
Goel, P., Garg, A., Sharma, A., & Rana, N. P. (2022). I won’t touch money because it is dirty: Examining customer’s loyalty toward M-payment. International Journal of Bank Marketing, 40(5), 992–1016. https://doi.org/10.1108/IJBM-06-2021-0272
Gunawan, A., Fatikasari, A. F., & Putri, S. A. (2023). The Effect of Using Cashless (QRIS) on Daily Payment Transactions Using the Technology Acceptance Model. Procedia Computer Science, 227, 548–556. https://doi.org/10.1016/j.procs.2023.10.557
Hair, J. F., Howard, M. C., & Nitzl, C. (2020). Assessing measurement model quality in PLS-SEM using confirmatory composite analysis. Journal of Business Research, 109, 101–110. https://doi.org/10.1016/j.jbusres.2019.11.069
Herianingrum, S., Widiastuti, T., Hapsari, M. I., Ratnasari, R. T., Firmansyah, F., Hassan, S. A., … Muzakki, L. A. (2024). Muzakki and Mustahik ’s collaboration model for strengthening the fundraising capacity of Islamic social finance institutions during COVID-19. International Journal of Ethics and Systems, 40(1), 175–188. https://doi.org/10.1108/IJOES-05-2022-0091
Hwang, G., Kihl, L. A., & Inoue, Y. (2020). Corporate social responsibility and college sports fans’ online donations. International Journal of Sports Marketing and Sponsorship, 21(4), 597–616. https://doi.org/10.1108/IJSMS-07-2019-0079
Irimia-Diéguez, A., Velicia-Martín, F., & Aguayo-Camacho, M. (2023). Predicting Fintech Innovation Adoption: The Mediator Role of Social Norms and Attitudes. Financial Innovation, 9(1), 36. https://doi.org/10.1186/s40854-022-00434-6
Jahan, N., & Shahria, G. (2022). Factors effecting customer satisfaction of mobile banking in Bangladesh: A study on young users’ perspective. South Asian Journal of Marketing, 3(1), 60–76. https://doi.org/10.1108/SAJM-02-2021-0018
Kasri, R. A., & Ramli, U. H. (2019). Why do Indonesian Muslims donate through mosques?: A theory of planned behaviour approach. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 663–679. https://doi.org/10.1108/IMEFM-11-2018-0399
Kasri, R. A., & Yuniar, A. M. (2021). Determinants of digital zakat payments: Lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362–379. https://doi.org/10.1108/JIABR-08-2020-0258
Krah, R., & Mertens, G. (2020). Democracy and financial transparency of local governments in Sub-Saharan Africa. Meditari Accountancy Research, 28(4), 681–699. https://doi.org/10.1108/MEDAR-08-2019-0539
Madli, F., Sondoh, S., Totu, A., T., R., Janin, Y., Syed Annuar, S. N., & Cham, T.-H. (2024). Modelling organ donation information adoption among Malaysian youth using the information adoption model (IAM). International Journal of Pharmaceutical and Healthcare Marketing, 18(2), 252–275. https://doi.org/10.1108/IJPHM-08-2022-0077
Makki, R. F. A., & Van Hemmen, S. (2022). Reinvesting in equity crowdfunding: The case of digital workers. Journal of Economics, Finance and Administrative Science, 27(54), 394–411. https://doi.org/10.1108/JEFAS-07-2021-0116
Mansori, S., Safari, M., & Mohd Ismail, Z. M. (2020). An analysis of the religious, social factors and income’s influence on the decision making in Islamic microfinance schemes. Journal of Islamic Accounting and Business Research, 11(2), 361–376. https://doi.org/10.1108/JIABR-03-2016-0035
Matheus, R., Janssen, M., & Janowski, T. (2021a). Design principles for creating digital transparency in government. Government Information Quarterly, 38(1), 101550. https://doi.org/10.1016/j.giq.2020.101550
Matheus, R., Janssen, M., & Janowski, T. (2021b). Design principles for creating digital transparency in government. Government Information Quarterly, 38(1), 101550. https://doi.org/10.1016/j.giq.2020.101550
Middleton, G. H., & Lee, H. T. (2020). Non-profit organization’s innovative donor management-the identification of salient factors that drive donor loyalty. Asia Pacific Journal of Innovation and Entrepreneurship, 14(1), 93–106. https://doi.org/10.1108/APJIE-01-2020-0010
Namahoot, K. S., & Jantasri, V. (2023). Integration of UTAUT model in Thailand cashless payment system adoption: The mediating role of perceived risk and trust. Journal of Science and Technology Policy Management, 14(4), 634–658. https://doi.org/10.1108/JSTPM-07-2020-0102
Nour Aldeen, K., Ratih, I. S., & Sari Pertiwi, R. (2022). Cash waqf from the millennials’ perspective: A case of Indonesia. ISRA International Journal of Islamic Finance, 14(1), 20–37. https://doi.org/10.1108/IJIF-10-2020-0223
Nurhayati, T., & Hendar, H. (2020). Personal intrinsic religiosity and product knowledge on halal product purchase intention: Role of halal product awareness. Journal of Islamic Marketing, 11(3), 603–620. https://doi.org/10.1108/JIMA-11-2018-0220
Okello Candiya Bongomin, G., Yourougou, P., & Munene, J. C. (2019). Digital financial innovations in the twenty-first century: Do transaction tax exemptions promote mobile money services for financial inclusion in developing countries? Journal of Economic and Administrative Sciences, 36(3), 185–203. https://doi.org/10.1108/JEAS-01-2019-0007
Oktavendi, T. W., & Mu’ammal, I. (2022). Acceptance model for predicting adoption of Zakat, Infaq, and Sodaqoh (ZIS) digital payments in Generation Z. Journal of Islamic Accounting and Business Research, 13(4), 684–700. https://doi.org/10.1108/JIABR-09-2021-0267
Osakwe, C. N., Ruiz, B., Amegbe, H., Chinje, N. B., Cheah, J.-H., & Ramayah, T. (2020). A multi-country study of bank reputation among customers in Africa: Key antecedents and consequences. Journal of Retailing and Consumer Services, 56, 102182. https://doi.org/10.1016/j.jretconser.2020.102182
P., T., & Lysander Manohar, H. (2021). How a doer persuade a donor? Investigating the moderating effects of behavioral biases in donor acceptance of donation crowdfunding. Journal of Research in Interactive Marketing, 15(2), 243–266. https://doi.org/10.1108/JRIM-06-2019-0097
Porlezza, C., & Di Salvo, P. (2020). The Accountability and Transparency of Whistleblowing Platforms Issues of Networked Journalism and Contested Boundaries. Journalism Studies, 21(16), 2285–2304. https://doi.org/10.1080/1461670X.2020.1842233
Pratono, A. H., Prima, D. A., Sinaga, N. F. N. T., Permatasari, A., Ariani, M., & Han, L. (2020). Crowdfunding in digital humanities: Some evidence from Indonesian social enterprises. Aslib Journal of Information Management, 72(2), 287–303. https://doi.org/10.1108/AJIM-05-2019-0123
Rahi, S., & Abd Ghani, M. (2021). Examining internet banking user’s continuance intention through the lens of technology continuance theory and task technology fit model. Digital Policy, Regulation and Governance, 23(5), 456–474. https://doi.org/10.1108/DPRG-11-2020-0168
Rahman, M., Ismail, I., & Bahri, S. (2020). Analysing consumer adoption of cashless payment in Malaysia. Digital Business, 1(1), 100004. https://doi.org/10.1016/j.digbus.2021.100004
Rashid, S., & Mustafa, H. (2021). Antecedents of corporate reputation with employees in higher education institutions: A systematic review. International Journal of Educational Management, 35(1), 297–309. https://doi.org/10.1108/IJEM-06-2020-0310
Ratnasari, R. T., Ula, U. F., & Sukmana, R. (2021). Can store image moderate the influence of religiosity level on shopping orientation and customers’ behavior in Indonesia? Journal of Islamic Accounting and Business Research, 12(1), 78–96. https://doi.org/10.1108/JIABR-01-2017-0006
Sabani, A. (2021). Investigating the influence of transparency on the adoption of e-Government in Indonesia. Journal of Science and Technology Policy Management, 12(2), 236–255. https://doi.org/10.1108/JSTPM-03-2020-0046
Sarea, A., & Bin-Nashwan, S. A. (2021). Guide to giving during the COVID-19 pandemic: The moderating role of religious belief on donor attitude. International Journal of Ethics and Systems, 37(1), 90–104. https://doi.org/10.1108/IJOES-08-2020-0133
Sarea, A., Raza Rabbani, M., Rahiman, H. U., & Echchabi, A. (2023). Donors’ attitude towards fundraising efforts in UAE during COVID-19 pandemic: The moderating role of ethics. Journal of Islamic Accounting and Business Research, 14(2), 249–266. https://doi.org/10.1108/JIABR-03-2021-0095
Septianto, F., Tjiptono, F., Paramita, W., & Chiew, T. M. (2021). The interactive effects of religiosity and recognition in increasing donation. European Journal of Marketing, 55(1), 1–26. https://doi.org/10.1108/EJM-04-2019-0326
Shahid, S., Becker, A., & Kundi, Y. M. (2022). Do reputational signals matter for nonprofit organizations? An experimental study. Management Decision, 60(6), 1645–1661. https://doi.org/10.1108/MD-12-2020-1670
Singh, S., Sahni, M. M., & Kovid, R. K. (2020). What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675–1697. https://doi.org/10.1108/MD-09-2019-1318
Subramaniam, P. L., Iranmanesh, M., Kumar, K. M., & Foroughi, B. (2019). The impact of multinational corporations’ socially responsible supplier development practices on their corporate reputation and financial performance. International Journal of Physical Distribution & Logistics Management, 50(1), 3–25. https://doi.org/10.1108/IJPDLM-01-2019-0002
Suhartanto, D., Syarief, M. E., Chandra Nugraha, A., Suhaeni, T., Masthura, A., & Amin, H. (2022). Millennial loyalty towards artificial intelligence-enabled mobile banking: Evidence from Indonesian Islamic banks. Journal of Islamic Marketing, 13(9), 1958–1972. https://doi.org/10.1108/JIMA-12-2020-0380
Sunarmo, S., & Majid, R. (2024). The Role of Knowledge and Trust in Explaining Intention of Performing Waqf in Agricultural Sector. International Journal of Islamic Economics and Finance (IJIEF), 7(1), 411–432. https://doi.org/10.18196/ijief.v7i1.17003
Thomas, S., Patel, R., & Bhatt, V. (2023). Private-label grocery buyers’ donation intentions and trust in CRM campaigns: An empirical analysis by employing social identity theory. Society and Business Review, 18(3), 401–421. https://doi.org/10.1108/SBR-12-2021-0247
Troise, C., & Tani, M. (2021). Exploring entrepreneurial characteristics, motivations and behaviours in equity crowdfunding: Some evidence from Italy. Management Decision, 59(5), 995–1024. https://doi.org/10.1108/MD-10-2019-1431
Usman, H., Mulia, D., Chairy, C., & Widowati, N. (2022). Integrating trust, religiosity and image into technology acceptance model: The case of the Islamic philanthropy in Indonesia. Journal of Islamic Marketing, 13(2), 381–409. https://doi.org/10.1108/JIMA-01-2020-0020
Utomo, S. B., Sekaryuni, R., Widarjono, A., Tohirin, A., & Sudarsono, H. (2021). Promoting Islamic financial ecosystem to improve halal industry performance in Indonesia: A demand and supply analysis. Journal of Islamic Marketing, 12(5), 992–1011. https://doi.org/10.1108/JIMA-12-2019-0259
Van Steenburg, E., & Spears, N. (2022). How preexisting beliefs and message involvement drive charitable donations: An integrated model. European Journal of Marketing, 56(1), 209–251. https://doi.org/10.1108/EJM-01-2020-0031
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425. https://doi.org/10.2307/30036540
Venkatesh, Thong, & Xu. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157. https://doi.org/10.2307/41410412
Wallace, E., & Buil, I. (2021). A typology of conspicuous donation on Facebook. Journal of Services Marketing, 35(4), 535–552. https://doi.org/10.1108/JSM-06-2020-0216
Willems, J., Jegers, M., & Faulk, L. (2016). Organizational Effectiveness Reputation in the Nonprofit Sector. Public Performance & Management Review, 39(2), 454–475. https://doi.org/10.1080/15309576.2015.1108802
Wut, E., Ng, P., Leung, K. S. W., & Lee, D. (2021). Do gamified elements affect young people’s use behaviour on consumption-related mobile applications? Young Consumers, 22(3), 368–386. https://doi.org/10.1108/YC-10-2020-1218
Yaseen, S. G., El Qirem, I. A., & Dajani, D. (2022). Islamic mobile banking smart services adoption and use in Jordan. ISRA International Journal of Islamic Finance, 14(3), 349–362. https://doi.org/10.1108/IJIF-04-2021-0065
DOI: https://doi.org/10.18196/ijief.v7i2.22556
Refbacks
- There are currently no refbacks.
Copyright (c) 2024 International Journal of Islamic Economics and Finance (IJIEF)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
International Journal of Islamic Economics and Finance (IJIEF)
International Program for Islamic Economics and Finance
Department of Economics
Faculty of Economics and Business
Universitas Muhammadiyah Yogyakarta
Pascasarjana Building, Ground Floor
Jl. Brawijaya (Ringroad Selatan), Kasihan, Bantul
D.I. Yogyakarta 55183, INDONESIA
Official email: ijief@umy.ac.id