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Impact of digital Sharia banking systems on cash-waqf among Indonesian Muslim youth

Izra Berakon (Department of Sharia Financial Management, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga, Special Area of Yogyakarta, Indonesia)
Hendy Mustiko Aji (Department of Management, Faculty of Business and Economics, Universitas Islam Indonesia, Sleman, Special Area of Yogyakarta, Indonesia)
Muhammad Riza Hafizi (Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Palangkaraya, Palangkaraya, Indonesia)

Journal of Islamic Marketing

ISSN: 1759-0833

Article publication date: 10 May 2021

Issue publication date: 23 May 2022




Cash-waqf is one of the transformative models of waqf assets submission to optimize the receipt of waqf of money in Indonesia. Currently, cash-waqf can be paid through the platforms that are integrated with digital sharia banking systems (DSBS) such as Jadiberkah.Id (Bank Syariah Mandiri), Digital Wakaf Hasanah (Bank Negara Indonesia Syariah) and other waqf online services provided by Bank Syariah Bukopin, Bank Commerce International Merchant Bankers Niaga and Bank Rakyat Indonesia Syariah. This study aims to investigate the role of DSBS in stimulating Muslim youth’s decision to endow cash-waqf in Indonesia.


This research involved 225 Muslim youth from several universities across the Special Province of Yogyakarta and Central Java as the research respondents. The analysis was conducted using partial least square structural equation modeling with WarpPLS 7.0.


The result of the structural model indicates that the research model is structurally good since it meets all model criteria. Perceived ease of use (PEU) is found as the most significant predictor of perceived usefulness (PU). Both generate a significant effect on Muslim youths’ attitudes toward DSBS. Overall, subjective norm (SN), perceived behavioral control (PBC), PU and attitudes are important determinants that lead individual decisions to use the online cash-waqf payment through DSBS. Finally, the research findings conclude that DSBS plays a significant role in encouraging the interest of young Muslim generations to participate in cash-waqf transactions.


This study seeks to contribute to the existing literature by enriching the discussion on DSBS’s service, especially in the context of optimizing the collection of Islamic Philanthropy through cash-waqf transaction. Also, this study integrates theory of planned behavior (TPB) and the technology acceptance model (TAM) into a single research model to explore the determinants of cash-waqf participation in digital era.



Berakon, I., Aji, H.M. and Hafizi, M.R. (2022), "Impact of digital Sharia banking systems on cash-waqf among Indonesian Muslim youth", Journal of Islamic Marketing, Vol. 13 No. 7, pp. 1551-1573.



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