The Influence of Gender as a Moderating Variable on the Decision to Contribute to ZISWAF via ZISWAF Sharing Feature: Determining Factors and Implications

Abstract

The rapid development of information technology has significantly influenced the growth of the banking industry, particularly Islamic banks, by facilitating business transactions. Mobile banking has gained popularity among customers, highlighting the potential for advancements in this sector. In Ponorogo Regency, the convenience of making ZISWAF payments from home without visiting the bank has been underutilized by users. Additionally, difficulties in identifying eligible recipients (mustahiq) and insufficient user trust in the bank, along with limited understanding of BSI mobile, pose challenges. This study aims to examine the influence of convenience and trust on ZISWAF payments through the ZISWAF sharing feature in Ponorogo Regency, with gender as a moderating variable. A quantitative research approach is employed, focusing on BSI customers in Ponorogo Regency. The sample consists of 100 respondents selected using purposive sampling. Data is collected through questionnaires, and the analysis includes multiple linear tests and moderated regression analysis interaction tests. The findings reveal that convenience does not have a significant positive effect on the decision to pay ZISWAF (p-value = 0.107 > 0.05). However, trust has a significant positive effect on the decision to pay ZISWAF (p-value = 0.008 < 0.05). Simultaneously, convenience and trust exhibit a positive and significant influence on the decision to pay ZISWAF (F-test: p-value = 0.015 < 0.05). Gender does not moderate the relationship between convenience and the decision to pay ZISWAF (t-test: p-value = 0.309 > 0.05), nor does it moderate the relationship between trust and the decision to pay ZISWAF (t-test: p-value = 0.761 > 0.05).