Analysis of The Determining Factors of Muzakki's Interest in The Use of The Zakat Payment Method Through The Quick Response Indonesian Standard (QRIS) Code at BAZNAS City of Pekanbaru

Abstract

Bank Indonesia also supports the acceleration of digital finance by expanding usage acceptanceQuick Response Indonesian Standard(QRIS). The use of QRIS as a digital payment method in Indonesia has shown a positive trend since it became operational in 2020. In 2021, QRIS use reached 7.6 trillion transactions with a total of 12.2 million registered merchants. However, this interest has not been seen in the use of QRIS for zakat at BAZNAS Pekanbaru City with the number of users being 0 people, which shows that there are no muzakki who use QRIS at BAZNAS Pekanbaru City.

The aim of this research is to analyze the determining factors of interestmuzakkitowards the use of the zakat payment method via the QRIS code at BAZNAS Pekanbaru City with the limits of the variables studied, namely Knowledge, Benefits and Risks.

This research uses primary data and secondary data obtained from the results of questionnaires distributed to 87 respondents and data from related institutions. The results of this research are based on the results of multiple regression analysis tests showing that knowledge and benefits have a positive and significant effect on interestmuzakkiin using the QRIS code with a contribution percentage of 71% and 24.8% respectively and for risk it has no effect on interest with a risk value of 0.104 > 0.1. Meanwhile, the results of the simultaneous test analysis (f test) show that knowledge, interest and risk simultaneously influence muzakki's interest in giving zakat using the QRIS code with a contribution percentage of 55.1%, while the remaining 44.9% is influenced by other variables.