Faktor yang Mempengaruhi Minat Pekerja Sektor Formal dalam Berwakaf Melalui M-Banking
DOI:
https://doi.org/10.29313/jrieb.v4i2.5028Keywords:
Minat Wakaf Uang, Mobile Banking Syariah, Bank Syariah IndonesiaAbstract
Abstrak. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi minat berdonasi di kalangan pekerja sektor formal di Kota Bandung. Metode yang digunakan dalam penelitian ini adalah kuantitatif eksplanatif, dengan populasi yang mencakup seluruh pekerja di sektor formal dan sampel diambil dari para pekerja yang memiliki rekening mobile banking Syariah-BSI. Untuk menganalisis data, digunakan teknik Structural Equation Modeling (SEM) dengan bantuan perangkat lunak SMART-PLS. Hasil dari penelitian ini menunjukkan bahwa religiusitas, pengetahuan, persepsi risiko, dan kepercayaan memiliki pengaruh positif yang signifikan terhadap minat berdonasi. Tingkat religiusitas, pengetahuan, dan kepercayaan yang tinggi, serta persepsi risiko yang rendah, akan mendorong minat pekerja sektor formal untuk berdonasi melalui mobile banking Syariah. Sebagai rekomendasi, Bank Syariah Indonesia disarankan untuk: (1) meningkatkan program edukasi mengenai cara berdonasi melalui mobile banking Syariah, (2) mengembangkan fitur-fitur yang mampu meningkatkan kepercayaan nasabah, (3) memastikan pekerja di sektor formal memahami pentingnya berdonasi, (4) menawarkan undian atau insentif yang sesuai dengan prinsip syariah, dan (5) mempertahankan serta meningkatkan jam operasional layanan mobile banking Syariah untuk memperluas partisipasi masyarakat.
Abstract. This study aims to analyze the factors that influence the interest in donating among formal sector workers in Bandung City. The method used in this study is quantitative explanatory, with a population covering all workers in the formal sector and samples taken from workers who have a Syariah-BSI mobile banking account. To analyze the data, the Structural Equation Modeling (SEM) technique was used with the help of SMART-PLS software. The results of this study indicate that religiosity, knowledge, risk perception, and trust have a significant positive effect on the interest in donating. High levels of religiosity, knowledge, and trust, as well as low risk perception, will encourage the interest of formal sector workers to donate through Syariah mobile banking. As a recommendation, Bank Syariah Indonesia is advised to: (1) improve educational programs on how to donate via Sharia mobile banking, (2) develop features that can increase customer trust, (3) ensure that workers in the formal sector understand the importance of donating, (4) offer draws or incentives that are in accordance with Sharia principles, and (5) maintain and improve the operation of Sharia mobile banking services to expand community participation.
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