Behavioral Intention as a Mediator in Digital Infaq Decision-Making Among BSI Mobile Banking Users in Surabaya
Article Sidebar
Main Article Content
Abstract
This study investigates the psychological and behavioral determinants of digital infaq decision-making among BSI Mobile Banking users in Surabaya, Indonesia, within the theoretical framework of the Theory of Planned Behavior (TPB). A quantitative research design was employed, utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data gathered from 115 purposively selected respondents. The results reveal that attitude, subjective norms, and perceived behavioral control each exert significant positive effects on behavioral intention, which subsequently serves as a robust predictor of actual digital infaq decisions. Among the three antecedent variables, perceived behavioral control demonstrates the most substantial influence on intention formation. Furthermore, behavioral intention was found to fully mediate the relationship between attitude and digital infaq decisions, and to partially mediate the relationships involving subjective norms and perceived behavioral control. To address potential common method bias, a full collinearity variance inflation factor assessment was conducted following the procedure outlined by Kock (2015), confirming the absence of substantial bias in the measurement model. These findings advance empirical understanding of the TPB framework within digital Islamic philanthropic behavior in emerging economies and offer practical implications for Islamic financial institutions seeking to strengthen digital charitable engagement through improved platform usability, digital literacy programs, and trust-building mechanisms. The study further contributes to the nascent body of literature on faith-based digital finance by providing contextually grounded evidence from an urban Indonesian setting.
Downloads
Article Details
Abdillah, W., and Jogiyanto, H. M. (2017). Partial Least Square (PLS) Alternatif Structural Equation Modelling (SEM) dalam Penelitian Bisnis. Andi Publishers.
Afriyanti, N. (2021). Theory of Planned Behavior Mendeteksi Niat Masyarakat Menggunakan Produk Perbankan Syariah. CV Brimedia Global.
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
Aji, H. M., Berakon, I., and Riza, A. F. (2021). The Effects of Subjective Norm and Knowledge About Riba on Intention to Use E-Money in Indonesia. Journal of Islamic Marketing, 12(6), 1180–1196. https://doi.org/10.1108/JIMA-10-2019-0203
Abdullah, M. R., and Fasiha. (2022). Zakat Management Formulation: Improving the Quality of Management with a Quality Assurance Approach. Technium Social Sciences Journal, 34(1), 527–539. https://doi.org/10.47577/tssj.v34i1.7138
Alfarizi, M. (2022). An Exploratory Study on Digitalization of Zakat Payment Receipts Through Indonesian Fintech Applications After the Covid-19 Pandemic. An-Ratio: Journal of Sharia Economics, 9(2), 410–443. https://doi.org/10.21274/an.v9i2.5982
Alalwan, A. A., Dwivedi, Y. K., and Rana, N. P. (2017). Factors Influencing Adoption of Mobile Banking by Jordanian Bank Customers: Extending UTAUT2 with Trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002
Azwar, S. (2011). Sikap dan Perilaku. In Sikap Manusia: Teori dan Pengukurannya (pp. 3–22). Pustaka Pelajar.
Chen, Y., Dai, R., Yao, J., and Li, Y. (2019). Donate Time or Money? The Determinants of Donation Intention in Online Crowdfunding. Sustainability, 11(16), 4269. https://doi.org/10.3390/su11164269
Chetioui, Y., Satt, H., Lebdaoui, H., Baijou, M., Dassouli, S., and 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
Dijkstra, T. K., and Henseler, J. (2015). Consistent and Asymptotically Normal PLS Estimators for Linear Structural Equations. Computational Statistics and Data Analysis, 81, 10–23. https://doi.org/10.1016/j.csda.2014.07.008
Fadhila, I. M. (2021). Factors Influencing Students' Interest in Issuing Zakat, Infaq and Alms at Laziswaf Unida Gontor. Journal of Islamic Economics and Philanthropy, 4(2). https://doi.org/10.21111/jiep.v4i02.6358
Farouk, A. U., Md Idris, K., and Saad, R. A. J. B. (2018). Moderating Role of Religiosity on Zakat Compliance Behavior in Nigeria. International Journal of Islamic and Middle Eastern Finance and Management, 11(3), 357–373. https://doi.org/10.1108/IMEFM-05-2017-0127
Farsya Kirana, A., Azzahro, F., Handayani, P. W., and Fitriani, W. R. (2020). Trust and Distrust: The Antecedents of Intention to Donate in Digital Donation Platform. In Proceedings of the 2020 Fifth International Conference on Informatics and Computing (ICIC) (pp. 1–6). IEEE. https://doi.org/10.1109/ICIC50835.2020.9288548
Gefen, D., Karahanna, E., and Straub, D. W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51–90. https://doi.org/10.2307/30036519
Gio, P. U. (2022). Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS Software. Uwais Inspirasi Indonesia.
Hausenblas, H. (2014). Theory of Planned Behavior (Vol. 2). EBSCO Research.
Hasyim, F., and Purnasari, N. (2021). Antecedent of Halal Food Purchasing Decision: A Theory of Planned Behavior (TPB) Approach. Iqtishadia, 14(1), 107. https://doi.org/10.21043/iqtishadia.v14i1.10002
Hair, J. F., Hult, G. T. M., Ringle, C. M., and Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Sage.
Henseler, J., Ringle, C. M., and Sarstedt, M. (2015). A New Criterion for Assessing Discriminant Validity in Variance-Based Structural Equation Modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-0403-8
Hoque, M. E., Susanto, P., Shah, N. U., Khatimah, H., and Al Mamun, A. (2023). Does Perceived Behavioral Control Mediate Customers' Innovativeness and Continuance Intention of E-Money? International Journal of Emerging Markets. https://doi.org/10.1108/ijoem-06-2022-0914
Irimia-Dieguez, A., Velicia-Martin, F., and 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
Jha, S. S., Dobe, M., Taklikar, C., and Lahiri, A. (2022). Perceived Behavioral Control Regarding Regular Physical Activity and Healthy Diet. Journal of Education and Health Promotion, 11, 261. https://doi.org/10.4103/jehp.jehp_1414_21
Khoeron, M. (2024). Pengumpulan Zakat, Infak, dan Sedekah Tumbuh Pesat di 2024, Bagaimana Penyalurannya? Kementerian Agama Republik Indonesia. https://kemenag.go.id/nasional/pengumpulan-zakat-infak-dan-sedekah-tumbuh-pesat-di-2024-bagaimana-penyalurannya-8WPNG
Kim, J., Eys, M., Robertson-Wilson, J., Dunn, E., and Rellinger, K. (2019). Subjective Norms Matter for Physical Activity Intentions More Than Previously Thought. Psychology of Sport and Exercise, 43, 359–367. https://doi.org/10.1016/j.psychsport.2019.04.013
Kock, N. (2015). Common Method Bias in PLS-SEM: A Full Collinearity Assessment Approach. International Journal of e-Collaboration, 11(4), 1–10. https://doi.org/10.4018/ijec.2015100101
Lui, T. K., and Zainuldin, M. H. (2021). Intention to Donate Money via Social Network Site: Perspective from a Developing Country. Management Journal, 61(1), 1–15. https://doi.org/10.17576/pengurusan-2021-61-07
Mutmainah, L., Berakon, I., and Yusfiarto, R. (2024). Does Financial Technology Improve Intention to Pay Zakat During National Economic Recovery? Journal of Islamic Marketing, 15(6), 1583–1607. https://doi.org/10.1108/JIMA-09-2022-0268
Nuri, P. (2022). Theory of Planned Behavior: Implementasi pada Perilaku Electronic Word of Mouth Konsumen Marketplace. Literasi Nusantara Abadi.
Podsakoff, P. M., MacKenzie, S. B., Lee, J. Y., and Podsakoff, N. P. (2003). Common Method Biases in Behavioral Research: A Critical Review of the Literature and Recommended Remedies. Journal of Applied Psychology, 88(5), 879–903. https://doi.org/10.1037/0021-9010.88.5.879
Prashar, A., and Gupta, P. (2024). How to Build Trust in Gen Y in Online Donation Crowdfunding: An Experimental Study. Behaviour and Information Technology, 43(4), 677–694. https://doi.org/10.1080/0144929X.2023.2183061
Saputra, Y. (2024). ZISWaf Intention Through Islamic Philanthropy Organizations: Does Empathy Matter? Muslim Business and Economics Review, 3(1), 124–147. https://doi.org/10.56529/mber.v3i1.188
Sari, D. P., Akasumbawa, M. D. D., Rukmana, L., and Razali. (2024). Intention to Pay Infaq and Alms Through Crowdfunding Platform. Journal of Theoretical and Applied Sharia Economics, 11(1), 54–76. https://doi.org/10.20473/vol11iss20241pp54-76
Sawlani, D. K. (2021). Online Purchase Decision: Website Quality, Security and Trust. Scopindo Media Pustaka.
Shah, N., Bhatti, M. K., Anwar, S., and Soomro, B. A. (2023). Intention to Adopt Islamic Finance Through the Mediation of Attitudes Towards Islamic Finance. Journal of Islamic Accounting and Business Research, 14(6), 931–951. https://doi.org/10.1108/JIABR-08-2022-0205
Sharma, D., Kumar, N., and Kumar, P. (2025). Influence of Individual's Readiness and Perceived Behavioural Control Nexus on the Behavioural Intention Towards FinTech Adoption. International Journal of Process Management and Benchmarking, 19(4), 443–461. https://doi.org/10.1504/IJPMB.2025.144798
Soehardi, D. V. L. (2023). The Role of Financial Technology in ZISWAF Collection. Enrichment: Journal of Management, 13(3), 1965–1975. https://doi.org/10.35335/enrichment.v13i3.1513
Sugiyanto, R., and Singagerda, F. I. S. (2024). Implementation of Digital Zakat Payment Technology Methods. Journal of Business and Economics, 2(4), 520–529. https://doi.org/10.61597/jbe-ogzrp.v2i4.60
Zhao, M., and Tian, B. (2024). Factors Influencing Public Donation Intention During Major Public Health Emergencies. Behavioral Sciences, 14(10), 927. https://doi.org/10.3390/bs14100927
Zhao, X., Lynch, J. G., and Chen, Q. (2010). Reconsidering Baron and Kenny: Myths and Truths About Mediation Analysis. Journal of Consumer Research, 37(2), 197–206. https://doi.org/10.1086/651257