Pengaruh kemudahan, kegunaan, dan kepercayaan terhadap minat berinfak menggunakan QRIS di Surabaya

Abstract

Although infak offers flexibility in terms of the amount and timing of donations, the proportion of funds collected through infak remains lower than that of zakat. This situation highlights the need to study the factors that drive public interest in using the Quick Response Code Indonesian Standard (QRIS) to channel infak. This study aims to analyze the influence of convenience, usefulness, and trust on the public’s interest in making infak donations using QRIS in Surabaya. The study used a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM). A total of 152 Respondents residing in Surabaya, aged 17 or older, and who had previously used QRIS were selected using purposive sampling, while data were collected through an online questionnaire using a five-point Likert scale. The analysis results confirmed that ease of use (0.173; p-value = 0.014), perceived usefulness (0.282; p-value = 0.003), and trust (0.447; p-value = 0.000) play a role in increasing the interest in making charitable donations using QRIS. Among these three variables, trust emerged as the dominant factor influencing the interest in making charitable donations using QRIS. The coefficient of determination (R²) value of 0.653 indicates that the research model explains 65.3% of the variance in interest in making charitable donations using QRIS, while the remainder is explained by other factors not included in this research model.