Why do Indonesian Muslims Donate through Crowdfunding Platforms? An Integration of UTAUT, Transparency, and Trust

Novita Nur Hamidah, Frank Aligarh, Ade Setiawan, Usnan Usnan, Faqih Hilmi

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


Technology Factors; Institutional Factors; Behavioral Intention; Use Behavior; UTAUT

References


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)

Creative Commons License
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

Office:
Pascasarjana Building, Ground Floor
Jl. Brawijaya (Ringroad Selatan), Kasihan, Bantul
D.I. Yogyakarta 55183, INDONESIA
Official email: ijief@umy.ac.id