ZIS Payment Interest on LAZ Nurul Fikri in Palangka Raya: The Impact of Digital Wallet Service Features

Abstract

This research focused on interest zakat, infaq, and shadaqah (ZIS) payment in online or cashless used digital wallet service features. A digital wallet is a digital money that can use its transaction by handphone connected to an internet network. According to Puskaz BAZNAS, the development technology in zakat services based on information and technology, like financial technology, blockchain, and the Internet of Things (IoT), needed to be developed by all OPZ. However, technology utilities also face challenges like internal OPZ readiness because a revolution in zakat management will significantly impact the institution's internal, for example, amil’s role and zakat data server. Based on this phenomenon, the research aims to know how digital wallet service features affect interest zakat, infaq, and shadaqah at Nurul Fikri Amil Zakat Agency in Palangka Raya. This research used a quantitative and causal associative method. Data collection techniques were questionnaires and observation. The samples were 90 people called muzakki and munfiq at LAZ Nurul Fikri in Palangka Raya. Data analysis techniques used simple regression analysis, determinant coefficient analysis, and T-test (partial) with SPSS 25 version. Based on the t-test acquired score of 0.00 < 0.05 showed that the digital wallet service feature had a positive and significant effect on the interest of zakat, infaq, and shadaqah at LAZ Nurul Fikri Palankga Raya, the value from determination coefficient (r2) was 0.53%. It can be concluded that the better service feature available on the digital wallet could be affected by 53.5% of someone’s interest in doing the zakat, infaq, and shadaqah cashless way.