Güvenlik mi Maneviyat mı? Endonezyalı Z Kuşağı Arasında Dijital Nakit Vakıf Benimsenmesinde İşlem Güveninin Rolü

Yıl 2025, Cilt: 3 Sayı: 2, 82 - 98, 31.12.2025

Qurroh Ayuniyyah , Hambari Hambari Fithriyyah Shalihati Muchamad Bachtiar Syawaluddin Nasution

Öz

Bu çalışma, Endonezya’daki Z Kuşağı’nın dijital nakit vakıf platformlarına bağış yapma niyetini etkileyen temel belirleyicileri incelemektedir. Bu ülkede İslami hayırseverlik giderek dijital dönüşümle kesişmektedir. Dijital vakıf platformlarının sayısındaki artışa rağmen, genç, teknolojiye hâkim Müslüman bağışçıların katılımı nispeten düşük kalmaktadır. Bu sorunu ele almak amacıyla çalışma, Planlı Davranış Teorisi (TPB) ile Teknoloji Kabul Modeli’ni (TAM) bütünleşik bir çerçevede birleştirmektedir. Sekiz yapı incelenmiştir: tutum, dini farkındalık, vakıf okuryazarlığı, nazıra güven, algılanan fayda, erişim kolaylığı, işlem güvenliği ve sosyal etki. Veriler, Endonezya’nın Bogor şehrinde yaşayan 109 Z Kuşağı bireyinden amaçlı örnekleme yoluyla toplanmış ve Yapısal Eşitlik Modellemesi - Kısmi En Küçük Kareler (SEM-PLS) kullanılarak analiz edilmiştir. Bulgular, test edilen sekiz hipotezden yalnızca işlem güvenliğinin bağış yapma niyeti üzerinde anlamlı ve olumlu bir etkisi olduğunu göstermektedir. Dikkat çekici bir şekilde, tutum ve dindarlık gibi dini ve davranışsal değişkenler ile algılanan fayda ve kullanım kolaylığı gibi TAM’a dayalı faktörlerin istatistiksel olarak anlamlı olmadığı tespit edilmiştir. Bu bulgular, Z Kuşağı’nın hayırseverlik davranışını şekillendirmede dijital güven ve güvenliğin kritik rolünü vurgulamakta ve dijital bağış bağlamında duygusal veya teolojik motivasyonların güvenlik kaygılarının gerisinde kalabileceğini göstermektedir. Çalışma, özellikle genç Müslüman tüketicilerle uyumlu dijital vakıf stratejileri tasarlamada, İslami pazarlama alanına hem teorik hem de pratik katkılar sunmaktadır.

Anahtar Kelimeler

dijital vakif , Z Kuşağı , İslami pazarlama , işlem güvenliği , TPB , TAM

Security Over Spirituality? The Role of Transaction Trust in Digital Cash Waqf Adoption Among Indonesian Gen Z

Öz

This study explores the key determinants influencing Generation Z’s (Gen Z’s) intention to donate to digital cash waqf platforms in Indonesia. In this country, Islamic philanthropy is increasingly intersecting with digital transformation. Despite the growing number of digital waqf platforms, participation from younger, tech-savvy Muslim donors remains relatively low. To address this issue, the study integrates the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM) into a unified framework. Eight constructs were examined, namely, attitude, religious awareness, waqf literacy, trust in nazhir, perceived usefulness, ease of access, transaction security, and social influence. Data were collected through a purposive sample of 109 Gen Z residing in Bogor, Indonesia, and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results show that, of the eight hypotheses tested, only transaction security had a significant positive effect on the intention to donate. Surprisingly, religious and behavioral variables such as attitude and religiosity, along with TAM-based factors like perceived usefulness and ease of use, were not found to be statistically significant. These findings highlight the critical role of digital trust and safety in shaping philanthropic behavior among Gen Z, suggesting that emotional or theological motivations may be secondary to security concerns in digital giving contexts. The study offers both theoretical and practical implications for the field of Islamic marketing, particularly in designing digital waqf strategies that resonate with younger Muslim consumers.

Anahtar Kelimeler

digital waqf , Generation Z , Islamic marketing , transaction security , TPB , TAM

Kaynakça

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