The INFLUENCE OF KNOWLEDGE, RELIGIOSITY ON CASH WAQF INTEREST IN TRUST MEDIATION
Abstract
This study uses a quantitative approach and random sample technique to investigate the interest of the administrators of the Malang City Sharia Economic Society (MES) in monetary waqf. The study involved 44 active respondents from the Malang City MES board who completed an online questionnaire sent via Google Form. The data obtained were analysed using the Structural Equation Modelling - Partial Least Squares (SEM-PLS) method, utilising Smart PLS software version 4.0. The findings of the hypothesis analysis suggest that interest in cash waqf is significantly influenced by knowledge, trust, and religiosity. Moreover, trust plays a mediating role in the connection between knowledge, religion, and desire in cash waqf. These findings provide additional understanding of the factors that influence interest in cash waqf among individuals.
Keywords:
Cash Waqf Knowledge, Cash Waqf Interest, Religiosity
References
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Abdullah, R., & Ismail, A. G. (2017). Taking stock of the waqf-based Islamic microfinance model. International Journal of Social Economics, 44(8), 1018-1031. https://doi.org/10.1108/IJSE-06-2015-0176
Abou-youssef, M. (2011). Measuring Islamic-Driven Buyer Behavioral Implications: A Proposed Market-Minded Religiosity Scale. Journal of American retrieved from https://www.academia.edu/995522/Measuring_Islamic_Driven_Buyer_Behavioral_Implications_A_Proposed_Market_Minded_Religiosity_Scale
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
Alpay, S., Haneef, M. A., Pramanik, A. H., Mohammed, M. O., Amin, F. M., Muhammad, D., Dabour, N., & Bağcı, K. (2015). Integration of Waqf and Islamic Microfinance for Poverty Reduction: Case Studies of Malaysia, Indonesia and Bangladesh. Retrieved from http://www.sesric.org
Ambardi, A., Aini, N., & Aminah, A. (2023). Fundamental Literacy of Cash Waqf and Its Impact on Interest in Waqf Among Students with Religiosity as a Moderating Variable. JESI (Indonesian Journal of Sharia Economics), 13(2), 313-324. https://doi.org/10.21927/JESI.2023.13(2).313-324
Amin, H., Abdul-Rahman, A. R., Ramayah, T., Supinah, R., & Mohd-Aris, M. (2014). Determinants of online waqf acceptance: An empirical investigation. Electronic Journal of Information Systems in Developing Countries, 60(1), 1-18. https://doi.org/10.1002/J.1681-4835.2014.TB00429.X
Ash-Shiddiqy, M. (2019). The Influence of Income, Relogiosity, Location Distance, Education Level and Access to Information on Community Interest in Waqf Money at the DIY MUI Cash Waqf Board. Panangkaran: Journal of Research on Religion and Society, 2(2), 249-262. https://doi.org/10.14421/panangkaran.2018.0202-05
Ayyubi, S. El, & Fauziah, S. (2019). Factors Affecting Wakif's Perception of Cash Waqf in Bogor City. Al-muzara'ah, 7(1), 19-31. https://doi.org/10.29244/JAM.7.1.19-31
Indonesian Waqf Board. (2022). Retrieved from https://www.bwi.go.id/8706/2023/04/16/indeks-wakaf-nasional-2022/
Baskoroputra, G. F. (2019). Analysis of the Level of Money Waqf Literacy and its Effect on the Perception of Money Waqf (Case Study of Islamic Economics Students at Brawijaya University).
Busry, H. (2020). Factor Influencing the Intention to Contribute to Cash Waqf Among Kuipsas Student. Jurnal Al-Sirat, 1(19), 20–33. Diakses dari https://ejournal.kuipsas.edu.my/index.php/qwefqwefq/article/view/25
Charities Aid Foundation. (2022). World Giving Index 2022: A Global View of Giving Trends. Retrieved from https://www.cafonline.org/about-us/publications/2022-publications/caf-world-giving-index-2022
Chin, W. W. (1998). The Partial Least Squares Approach for Structural Equation Modeling. In G. A. Marcoulides (Ed.), Modern Methods for Business Research. Mahwah, NJ: Lawrence Erlbaum Associates.
Dharmawan, B., Yanto, M., & Vidyasari, R. (2021). The Influence of Attitudes, Subjective Norms, and Risk Perceptions on Transaction Monat. Account, 8(1). https://doi.org/10.32722/acc.v8i1.3876
Fandini, H. D. (Hesti), & Ratnasari, R. T. (Ririn). (2019). The Effect of Trust on Repeat Intention to Donate Money to the Surabaya Qur'an Waqf Board through Belief. Journal of Sharia Economics Theory and Applied, 6(11), 2185-2197. https://doi.org/10.20473/VOL6ISS201911PP2185-2197
Ghozali, I. (2014). Alternative Methods with Partial Least Squares (PLS). 4th edition. Semarang: Diponegoro University.
Hadi, E. F., Huzaini, Moh., & Hidayat, A. A. (2023). Factors Influencing the Interest of the Muslim Generation in Cash Waqf in West Nusa Tenggara Province. International Journal of Multidisciplinary Research and Analysis, 06(10). https://doi.org/10.47191/IJMRA/V6-I10-21
Huda, N., & Imam, N. (2022). Factors that Influence People to Give Money in Dompet Dhuafa. Al-Awqaf: Journal of Waqf and Islamic Economics, 15(2), 78-98. https://doi.org/10.47411/AL-AWQAF.VOL15ISS2.174
Husain, A. S. (2015). Business and management research using partial least squares (PLS) with smart PLS 3.0. Teaching module for management department, faculty of economics and business, Universitas Brawijaya.
Imsar, I., Tambunan, K., & Arfa, F. Al. (2021). Analysis of Waqif Perceptions on Cash Waqf at BWI Sumatra Utama. Studia Economica: Journal of Islamic Economics, 7(2), 286-300. https://doi.org/10.30821/SE.V7I2.10620
Julendra, A. K. M., Mulyani, S. S., & Insani, A. M. (2021). Analysis of Community Cash Waqf Intention to Support Sustainable Development Goals (SDGs): Theory Planned Behaviour Approach. Airlangga International Journal of Islamic Economics and Finance, 4(1), 46–67. https://doi.org/10.20473/AIJIEF.V4I1.26383
Kurniawati, D., Zainuddin, C., & Lidyah, R. (2021). The Influence of Religiosity and Fundraising on Interest in Giving Cash Endowments with Awareness as an Intervening Variable among Employees of the Regional Office of the Ministry of Religion, South Sumatra Province. Diakses dari https://jurnal.radenfatah.ac.id/index.php/intellektualita/article/view/8607/3775
KBBI. (n.d.). Word meaning - Kamus Besar Bahasa Indonesia (KBBI) Online. Retrieved January 18, 2024, from https://kbbi.web.id/
Fandini, H. D. (Hesti), & Ratnasari, R. T. (Ririn). (2019). The Effect of Trust on Repeat Intention to Donate Money to the Surabaya Qur'an Waqf Board through Belief. Journal of Sharia Economics Theory and Applied, 6(11), 2185-2197. https://doi.org/10.20473/VOL6ISS201911PP2185-2197
Ghozali I. 2014. Alternative Methods with Partial Least Squares (PLS). 4th edition. Semarang: Diponegoro University.
Hadi, E. F., Huzaini, Moh., & Hidayat, A. A. (2023). Factors Influencing the Interest of the Muslim Generation in Cash Waqf in West Nusa Tenggara Province. International Journal of Multidisciplinary Research and Analysis, 06(10). https://doi.org/10.47191/IJMRA/V6-I10-21
Huda, N., & Imam, N. (2022). Factors that Influence People to Give Money in Dompet Dhuafa. Al-Awqaf: Journal of Waqf and Islamic Economics, 15(2), 78-98. https://doi.org/10.47411/AL-AWQAF.VOL15ISS2.174
Husain, A. S. (2015). Business and management research using partial least squares (PLS) with smart PLS 3.0,.Teaching module for management department, faculty of economics and business, Universitas Brawijaya.
Imsar, I., Tambunan, K., & Arfa, F. Al. (2021). Analysis of Waqif Perceptions on Cash Waqf at BWI Sumatra Utama. Studia Economica: Journal of Islamic Economics, 7(2), 286-300. https://doi.org/10.30821/SE.V7I2.10620
KBBI. (n.d.). Word meaning - Kamus Besar Bahasa Indonesia (KBBI) Online. Retrieved January 18, 2024, from https://kbbi.web.id/
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. Academy of Management Review, 20(3), 709-734.
Gefen, D. (2002). Customer Loyalty in E-Commerce. Journal of the Association for Information Systems.
Musahidah, U., & Sobari, N. (2021). Determinants of the Intentions of Indonesian Muslim Millennials in Cash Waqf Using E-Payment. Journal of Islamic Economics and Banking, 9(2). https://doi.org/10.46899/jeps.v9i2.284
Napitupulu, R. M., Harahap, H. H., & Simamora, A. M. S. (2021). Waqf Literacy of Generation Z in Indonesia. Review of Islamic Economics and Finance, 4(1), 11-22. https://doi.org/10.17509/RIEF.V4I1.34050
Nuraini, I., Takidaj Erika, & Fauzi, A. (2022). Factors Affecting Intention in Paying Money Waqf at Employees of the Regional Office of the Ministry of Religion, Jakarta Province. Retrieved from https://123dok.com/document/yeod7leq-factors-affecting-intention-employees-regional-ministry-religion-province.html
Qurrata, V. A., Affandi, M. I., Widiyanto, M. R. B., & Putri, N. A. (2022). The influence of Sharia education, Waqf management’s reputation, literacy, and intention to cash Waqf. In Reinforcement of the Halal Industry for Global Integration Revival (pp. 97–102). https://doi.org/10.1201/9781003324492-16
Pramudia, R. A., & Syarief, M. E. (2020). The Influence of Perceptions of Knowledge, Information, and Religiosity on Interest in Donating Cash Waqf. Justisia Economics Journal. Accessed from https://www.researchgate.net/profile/Moch-Syarief/publication/354525212
Razak, D. A., Zakaria, F. M., Burhan, A. A., & Jama, A. A. (2019). Factors that Determine Donors Intention to Endow Cash Waqf for Microenterprises in Malaysia. Adam Akademi Sosyal Bilimler Dergisi, 9(2), 449-471. https://doi.org/10.31679/AdamakademI.521253
Rinawati, I. (2021). The Benefits of Cash Waqf in Poverty Alleviation in Indonesia. An-Nisbah: Journal of Islamic Banking, 2(1), 100-115. https://doi.org/10.51339/Nisbah.V2I1.214
Sabri, F. A. (2014). Waqf money (An Alternative in Efforts to Improve Community Welfare). AL-IHKAM: Journal of Law & Social Institutions, 8(1), 40-54. https://doi.org/10.19105/al-lhkam.v8i1.339
Shaikh, S. A., Ismail, A. G., & Mohd Shafiai, M. H. (2017). Application of waqf for social and development finance. ISRA International Journal of Islamic Finance, 9(1), 5-14. https://doi.org/10.1108/IJIF-07-2017-002/FULL/PDF
Shukor, S. A., Anwar, I., Aziz, S., & Sabri, H. (2017). Muslim attitude towards participation in cash WAQF: Antecedents and consequences. International Journal of Business and Society, 18, 193-204.
Triwibowo, A. (2020). Implementation of Good Corporate Governance Principles in Cash Waqf Management at the MUI Yogyakarta Cash Waqf Board. Tapis: Journal of Scientific Research, 4(1), 123-146. https://doi.org/10.32332/TAPIS.V4I1.1995
Abdullah, R., & Ismail, A. G. (2017). Taking stock of the waqf-based Islamic microfinance model. International Journal of Social Economics, 44(8), 1018-1031. https://doi.org/10.1108/IJSE-06-2015-0176
Abou-youssef, M. (2011). Measuring Islamic-Driven Buyer Behavioral Implications: A Proposed Market-Minded Religiosity Scale. Journal of American retrieved from https://www.academia.edu/995522/Measuring_Islamic_Driven_Buyer_Behavioral_Implications_A_Proposed_Market_Minded_Religiosity_Scale
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
Alpay, S., Haneef, M. A., Pramanik, A. H., Mohammed, M. O., Amin, F. M., Muhammad, D., Dabour, N., & Bağcı, K. (2015). Integration of Waqf and Islamic Microfinance for Poverty Reduction: Case Studies of Malaysia, Indonesia and Bangladesh. Retrieved from http://www.sesric.org
Ambardi, A., Aini, N., & Aminah, A. (2023). Fundamental Literacy of Cash Waqf and Its Impact on Interest in Waqf Among Students with Religiosity as a Moderating Variable. JESI (Indonesian Journal of Sharia Economics), 13(2), 313-324. https://doi.org/10.21927/JESI.2023.13(2).313-324
Amin, H., Abdul-Rahman, A. R., Ramayah, T., Supinah, R., & Mohd-Aris, M. (2014). Determinants of online waqf acceptance: An empirical investigation. Electronic Journal of Information Systems in Developing Countries, 60(1), 1-18. https://doi.org/10.1002/J.1681-4835.2014.TB00429.X
Ash-Shiddiqy, M. (2019). The Influence of Income, Relogiosity, Location Distance, Education Level and Access to Information on Community Interest in Waqf Money at the DIY MUI Cash Waqf Board. Panangkaran: Journal of Research on Religion and Society, 2(2), 249-262. https://doi.org/10.14421/panangkaran.2018.0202-05
Ayyubi, S. El, & Fauziah, S. (2019). Factors Affecting Wakif's Perception of Cash Waqf in Bogor City. Al-muzara'ah, 7(1), 19-31. https://doi.org/10.29244/JAM.7.1.19-31
Indonesian Waqf Board. (2022). Retrieved from https://www.bwi.go.id/8706/2023/04/16/indeks-wakaf-nasional-2022/
Baskoroputra, G. F. (2019). Analysis of the Level of Money Waqf Literacy and its Effect on the Perception of Money Waqf (Case Study of Islamic Economics Students at Brawijaya University).
Busry, H. (2020). Factor Influencing the Intention to Contribute to Cash Waqf Among Kuipsas Student. Jurnal Al-Sirat, 1(19), 20–33. Diakses dari https://ejournal.kuipsas.edu.my/index.php/qwefqwefq/article/view/25
Charities Aid Foundation. (2022). World Giving Index 2022: A Global View of Giving Trends. Retrieved from https://www.cafonline.org/about-us/publications/2022-publications/caf-world-giving-index-2022
Chin, W. W. (1998). The Partial Least Squares Approach for Structural Equation Modeling. In G. A. Marcoulides (Ed.), Modern Methods for Business Research. Mahwah, NJ: Lawrence Erlbaum Associates.
Dharmawan, B., Yanto, M., & Vidyasari, R. (2021). The Influence of Attitudes, Subjective Norms, and Risk Perceptions on Transaction Monat. Account, 8(1). https://doi.org/10.32722/acc.v8i1.3876
Fandini, H. D. (Hesti), & Ratnasari, R. T. (Ririn). (2019). The Effect of Trust on Repeat Intention to Donate Money to the Surabaya Qur'an Waqf Board through Belief. Journal of Sharia Economics Theory and Applied, 6(11), 2185-2197. https://doi.org/10.20473/VOL6ISS201911PP2185-2197
Ghozali, I. (2014). Alternative Methods with Partial Least Squares (PLS). 4th edition. Semarang: Diponegoro University.
Hadi, E. F., Huzaini, Moh., & Hidayat, A. A. (2023). Factors Influencing the Interest of the Muslim Generation in Cash Waqf in West Nusa Tenggara Province. International Journal of Multidisciplinary Research and Analysis, 06(10). https://doi.org/10.47191/IJMRA/V6-I10-21
Huda, N., & Imam, N. (2022). Factors that Influence People to Give Money in Dompet Dhuafa. Al-Awqaf: Journal of Waqf and Islamic Economics, 15(2), 78-98. https://doi.org/10.47411/AL-AWQAF.VOL15ISS2.174
Husain, A. S. (2015). Business and management research using partial least squares (PLS) with smart PLS 3.0. Teaching module for management department, faculty of economics and business, Universitas Brawijaya.
Imsar, I., Tambunan, K., & Arfa, F. Al. (2021). Analysis of Waqif Perceptions on Cash Waqf at BWI Sumatra Utama. Studia Economica: Journal of Islamic Economics, 7(2), 286-300. https://doi.org/10.30821/SE.V7I2.10620
Julendra, A. K. M., Mulyani, S. S., & Insani, A. M. (2021). Analysis of Community Cash Waqf Intention to Support Sustainable Development Goals (SDGs): Theory Planned Behaviour Approach. Airlangga International Journal of Islamic Economics and Finance, 4(1), 46–67. https://doi.org/10.20473/AIJIEF.V4I1.26383
Kurniawati, D., Zainuddin, C., & Lidyah, R. (2021). The Influence of Religiosity and Fundraising on Interest in Giving Cash Endowments with Awareness as an Intervening Variable among Employees of the Regional Office of the Ministry of Religion, South Sumatra Province. Diakses dari https://jurnal.radenfatah.ac.id/index.php/intellektualita/article/view/8607/3775
KBBI. (n.d.). Word meaning - Kamus Besar Bahasa Indonesia (KBBI) Online. Retrieved January 18, 2024, from https://kbbi.web.id/
Fandini, H. D. (Hesti), & Ratnasari, R. T. (Ririn). (2019). The Effect of Trust on Repeat Intention to Donate Money to the Surabaya Qur'an Waqf Board through Belief. Journal of Sharia Economics Theory and Applied, 6(11), 2185-2197. https://doi.org/10.20473/VOL6ISS201911PP2185-2197
Ghozali I. 2014. Alternative Methods with Partial Least Squares (PLS). 4th edition. Semarang: Diponegoro University.
Hadi, E. F., Huzaini, Moh., & Hidayat, A. A. (2023). Factors Influencing the Interest of the Muslim Generation in Cash Waqf in West Nusa Tenggara Province. International Journal of Multidisciplinary Research and Analysis, 06(10). https://doi.org/10.47191/IJMRA/V6-I10-21
Huda, N., & Imam, N. (2022). Factors that Influence People to Give Money in Dompet Dhuafa. Al-Awqaf: Journal of Waqf and Islamic Economics, 15(2), 78-98. https://doi.org/10.47411/AL-AWQAF.VOL15ISS2.174
Husain, A. S. (2015). Business and management research using partial least squares (PLS) with smart PLS 3.0,.Teaching module for management department, faculty of economics and business, Universitas Brawijaya.
Imsar, I., Tambunan, K., & Arfa, F. Al. (2021). Analysis of Waqif Perceptions on Cash Waqf at BWI Sumatra Utama. Studia Economica: Journal of Islamic Economics, 7(2), 286-300. https://doi.org/10.30821/SE.V7I2.10620
KBBI. (n.d.). Word meaning - Kamus Besar Bahasa Indonesia (KBBI) Online. Retrieved January 18, 2024, from https://kbbi.web.id/
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. Academy of Management Review, 20(3), 709-734.
Gefen, D. (2002). Customer Loyalty in E-Commerce. Journal of the Association for Information Systems.
Musahidah, U., & Sobari, N. (2021). Determinants of the Intentions of Indonesian Muslim Millennials in Cash Waqf Using E-Payment. Journal of Islamic Economics and Banking, 9(2). https://doi.org/10.46899/jeps.v9i2.284
Napitupulu, R. M., Harahap, H. H., & Simamora, A. M. S. (2021). Waqf Literacy of Generation Z in Indonesia. Review of Islamic Economics and Finance, 4(1), 11-22. https://doi.org/10.17509/RIEF.V4I1.34050
Nuraini, I., Takidaj Erika, & Fauzi, A. (2022). Factors Affecting Intention in Paying Money Waqf at Employees of the Regional Office of the Ministry of Religion, Jakarta Province. Retrieved from https://123dok.com/document/yeod7leq-factors-affecting-intention-employees-regional-ministry-religion-province.html
Qurrata, V. A., Affandi, M. I., Widiyanto, M. R. B., & Putri, N. A. (2022). The influence of Sharia education, Waqf management’s reputation, literacy, and intention to cash Waqf. In Reinforcement of the Halal Industry for Global Integration Revival (pp. 97–102). https://doi.org/10.1201/9781003324492-16
Pramudia, R. A., & Syarief, M. E. (2020). The Influence of Perceptions of Knowledge, Information, and Religiosity on Interest in Donating Cash Waqf. Justisia Economics Journal. Accessed from https://www.researchgate.net/profile/Moch-Syarief/publication/354525212
Razak, D. A., Zakaria, F. M., Burhan, A. A., & Jama, A. A. (2019). Factors that Determine Donors Intention to Endow Cash Waqf for Microenterprises in Malaysia. Adam Akademi Sosyal Bilimler Dergisi, 9(2), 449-471. https://doi.org/10.31679/AdamakademI.521253
Rinawati, I. (2021). The Benefits of Cash Waqf in Poverty Alleviation in Indonesia. An-Nisbah: Journal of Islamic Banking, 2(1), 100-115. https://doi.org/10.51339/Nisbah.V2I1.214
Sabri, F. A. (2014). Waqf money (An Alternative in Efforts to Improve Community Welfare). AL-IHKAM: Journal of Law & Social Institutions, 8(1), 40-54. https://doi.org/10.19105/al-lhkam.v8i1.339
Shaikh, S. A., Ismail, A. G., & Mohd Shafiai, M. H. (2017). Application of waqf for social and development finance. ISRA International Journal of Islamic Finance, 9(1), 5-14. https://doi.org/10.1108/IJIF-07-2017-002/FULL/PDF
Shukor, S. A., Anwar, I., Aziz, S., & Sabri, H. (2017). Muslim attitude towards participation in cash WAQF: Antecedents and consequences. International Journal of Business and Society, 18, 193-204.
Triwibowo, A. (2020). Implementation of Good Corporate Governance Principles in Cash Waqf Management at the MUI Yogyakarta Cash Waqf Board. Tapis: Journal of Scientific Research, 4(1), 123-146. https://doi.org/10.32332/TAPIS.V4I1.1995
Published
2024-07-10
How to Cite
Kuswanto, D., Rahayu, Y., & Rohman, T. (2024). The INFLUENCE OF KNOWLEDGE, RELIGIOSITY ON CASH WAQF INTEREST IN TRUST MEDIATION. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 7(2), 1789-1799. https://doi.org/https://doi.org/10.36778/jesya.v7i2.1710
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Articles
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