INTEGRASI LITERASI KEUANGAN, INKLUSI KEUANGAN, FINANCIAL TEKNOLOGI TERHADAP MINAT MEMBAYAR ZAKAT MASYARAKAT AMBON DAN KEPATUHAN BERAGAMA SEBAGAI VARIABEL MODERATE
Keywords:
Kata Kunci: Literasi dan Inklusi keuangan; Finansial Teknologi; Minat Berzakat; Kepatuhan Beragama
Abstract
Zakat saat ini diposisikan pemerintah Indonesia sebagai salah satu instrumen penting inklusi keuangan dalam penanggulangan kemiskinan. Riset ini bertujuan untuk menguji literasi keuangan, inklusi keuangn, teknologi keuangan, terhadap minat berzakat masyarakat Ambon serta menguji kepatuhan beragama dalam memoderasi hubungan ketiga variabel tersebut. Riset menggunakan pendekatan kuantitatif. Populasi adalah semua masyarakat muslim Kota Ambon yang sudah bekerja dan memenuhi nisabnya untuk berzakat. Jumlah sampel yang digunakan adalah sebanyak 161 dari 200 kuisioner yang diedarkan yang dipilih dengan teknik purposive sampling. Teknik pengumpulan data menggunakan penyebaran kuesioner melalui google form. Penelitian ini menggunakan metode Structural Equation Modelling dengan menggunakan Partial Least Square sebagai bahan untuk menganalisis data penelitian. Hasil riset dari uji hipotesis menunjukkan literasi keuangan dan fintech tidak berpengaruh positif dan signifikan terhadap minat berzakat. Sementara inklusi keuangan dan kepatuhan beragama berpengaruh positif dan signifikan terhadap minat membayar zakat masyarakat Ambon. Kepatuhan beragama tidak memoderasi hubungan literasi keuangan terhadap minat berzakat. Namun memoderasi hubungan inklusi keuangan terhadap minat berzakat, tapi tidak signifikan, begitupun kepatuhan beragama tidak memoderasi hubungan teknologi keuangan terhadap minat berzakat secara signifikan.
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