Perbandingan Persepsi Mahasiswa Fakultas Ekonomi dan Non-Ekonomi terhadap Digitalisasi Zakat Berbasis E-Payment

Abstract

Digital transformation in zakat management offers a highly significant opportunity to increase the participation of the younger generation in the modern Islamic philanthropy ecosystem. However, the adoption of e-zakat in practice often faces challenges due to differences in academic backgrounds and levels of Islamic financial literacy. The purpose of this research is to conduct an in-depth analysis of students' perceptions and behavioral intentions regarding the use of e-zakat services. This study focuses on two groups of students: those from the Faculty of Economics and Business Education (FPEB) and non-FPEB students. To explore the phenomenon of technology adoption, this research employs a descriptive quantitative approach. This approach is supported by the integration of three theoretical frameworks: the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and the Technology Readiness Index (TRI). The results indicate that although both groups share relatively similar positive perceptions and attitudes toward the ease of e-zakat, there is a fundamental difference in their actual intention to use it. The internal drive among FPEB students was found to be significantly stronger. Conversely, non-FPEB students still experience substantial psychological barriers stemming from anxieties regarding cybersecurity, data privacy, and potential technical errors within the application. Based on these findings, the implication drawn is that zakat management institutions (lembaga amil zakat) must promptly formulate much more inclusive promotional and educational strategies. The focus of digital campaigns needs to shift from merely introducing application features to emphasizing system security guarantees and the transparent protection of muzakki (zakat payers') personal data.