Factors that Influence Muslim Employee Behavior to Contribute to Money Waqf through Salary Cutting

Authors

1 Faculty of Economics, University YARSI, Jakarta, Indonesia

2 Department of Islamic Economics, Airlangga University, Airlangga, Indonesia; College of Economics Muhammadiyah Jakarta (STIE Muhammadiyah Jakarta), Kota Jakarta Selatan, Indonesia

Abstract

This article aims to analyze the factors that can influence the behavior of Muslim employees to contribute to the endowment of money through salary deductions. The research method used is quantitative. The sampling technique uses a purposive sampling technique. The number of respondents was 156. This study showed that the product knowledge variable had no significant direct effect on the intention of contributing to the endowment of money through salary deductions. Islamic Religiosity is having a substantial impact on the plan to add to the donation of money through salary deductions due to the amount of t-test 2.2303> 1.96. Consumer Attitude significantly affects the intention to contribute to the money endowment through salary deductions because the t-test value is 2.7174> 1.96. Trust greatly influences the aim to add to the donation of money through salary deductions because the t-test value is 3.2647> 1.96. The intention significantly affects the behavior of contributing to Waqf money through salary deductions because of the t-test value of 13.8070> 1.96. Based on the study's results, respondents are willing to make Waqf money through salary cuts. If this can realize, it undoubtedly encourages the acceptance of Waqf money, which in the end, Waqf will further contribute to community economic empowerment (Maukuf Alaih). Related to that, we need a role model first to make further policy steps.       

Keywords


Ahmed, H. (2004). The Role of Zakah and Awqaf in Property Alleviation. Jeddah: Islamic Development Bank.
Ajzen, I. (2005). Attitudes, Personality, and Behavior (2nd). New York: Open University Press.
Al-Ghazali, M. (1993). Morals of a Muslim. Semarang: Wicaksana.
Al-Nahdi, T. S., Habib, S. A., Bakar, A. H. A. , Bahklah, M. S., Ghazzawi, O. H., & Al-Attas, H. A. (2015). The Effect of Attitude, Dimensions of Subjective Norm, and Perceived Behavior Control, on the Intention to Purchase Real Estate in Saudi Arabia. International Journal of Marketing Studies, 7(5), 120-131.
Amuda, Y. J., & Embi, N. A. C. (2013). Alleviation of Poverty among OIC Countries through Sadaqat, Cash Waqf and Public Funding. International Journal of Trade, Economics and Finance, 4(6), 403–408.
Ancok, J. (1994). Islamic Psychology. Yogyakarta: Pustaka Belajar.
Armitage, C. J., Norman, P., & Conner, M. (2002). Can the Theory of Planned Behavior Mediate the Effects of Age, Gender, and Multidimensional Health Locus of Control? British Journal of Health Psychology, 7, 299–316.
Armitage, C. J., & Conner, M. (2001). Efficacy of the Theory of Planned Behavior: A Meta-Analytic Review. British Journal of Social Psychology, 40, 471-499.
Ash Shiddieqy, T. M. H. (2002). Pearls of Hadith I. Semarang: Pustaka Rizky Putra.
Azwar, S. (2002). Human Attitudes, Theories and Measurements. Yogyakarta: Pustaka Pelajar.
Azwar, S. (2002). Introduction to Psychology of Intelligence. Yogyakarta: Pustaka Pelajar.
Chatzisarantis, N. L. D., Hagger, M. S., Smith, B., & Phoenix, C. (2004). The Influences of Continuation Intentions on Execution of Social Behavior within the Theory of Planned Behavior. British Journal of Social Psychology, 43, 551-583.
Dobocan, F. C. (2013). A New Approach of Religious Marketing: The Theory of Planned Behavior. International Conference of Marketing-from Information to Decision, Retrieved from https://www.proquest.com/openview/67e79752647319a146505f15a0cd4e66/1?cbl=1606336&pq-origsite=gscholar
Fanani, M. (2011). Management of Cash Waqf. Journal Walisongo, 19(1), 179-196.
Ferdous, A. S., & Polonsky, M. J., (2013), Predicting Bangladeshi Financial Salespeople's Ethical Intentions and Behavior Using the Theory of Planned Behavior: Implications for Developing Countries. Asia Pacific Journal of Marketing and Logistics, 25(4), 655-673.
Ghufron, N., & Risnawita. R S. (2010). Psychological Theories. Jakarta : Ar – Ruzz Media.
Gilaninia, S., Alipour, H., Rahpeyma, P., & Mousavian, S. J. (2011). Effective Factors on Behavior Tendency in the Acceptance of Electronic Banking Based on Planned Behavior Model (TPB). International Journal of Business Administration, 2(4), 54-60.
Hasyim, M. A. (1995). Are You Muslim? Jakarta: Gema Insani.
Hsu, M. -H., Yen, C. -H., Chiu, C. -M., & Chang, C. -M. (2006). A Longitudinal Investigation of Continued Online Shopping Behavior: An Extension of the Theory of Planned Behavior. International Journal of Human-Computer Studies, 64(9), 889-904.
Huda, N., Anggraini, D., Rini, N., Hudori, & Mardoni, Y. (2015). Accountability as a Solution for Managing Waqf. Jurnal Akuntansi Multiparadigma, 5(3), 485-497.
Huda, N., Anggraini, D., Rini, N., Hudori, & Mardoni, Y. (2015). Problems, Solutions and Strategies Priority for Waqf in Indonesia. Journal of Economic Cooperation and Development, 38(1), 29-34.
Khalil, I. A .Ali, Y., & Shaiban, M. (2014). Waqf Fund Management In Kuwait And Egypt: Can Malaysia Learns From Their Experiences. Proceeding of the International Conference on Masjid, Zakat, and Waqf (IMAF 2014), Retrieved from       http://conference.kuis.edu.my/i-maf/images/eproceedings/2014/wakaf/w07-imaf-2014.pdf
Khan, A., & Azam, M. K. (2016). Factors Influencing Halal Products Purchase Intention in India: Preliminary Investigation (July 29, 2016). The IUP Journal of Marketing Management, 15(1), 20-35.
King, T., & Dennis, C. (2003). Interviews of De-shopping Behavior: An Analysis of Theory of Planned Behavior. International Journal of Retail & Distribution Management, 31(3), 153-163.
Koufaris, M., & Hampton-Sosa, W. (2004), The Development of Initial Trust in An Online Company by New Customers, Information and Management. Information & Management, 41(3), 377-397.
Leng, G. S., Lada, S., Muhammad, M. Z., Ibrahim, A. A. H. A., & Amboala, T. (2011). An Exploration of Social Networking Sites (SNS) Adoption in Malaysia Using Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB) and Intrinsic Motivation. Journal of Internet Banking and Commerce, 16(2), 1-27.
Masy’ari, A. (1990). Akhlak Al-Qur’an. Surabaya: Bina Ilmu.
Muhammed, M. O., & Ahmed, U. (2015). Relationship Between Intention and Actual Support Towards The Construction of Modern Waqf-Based Hospital in Uganda. 10th International Conference on Islamic Economics and Finance, Retrieved from https://www.drnishikantjha.com/
Muthmainah, C. M. (2015). Analysis of Attitude, Experience, Subjective Norm and Behavioral Control on the Entrepreneurial Intention and Behavior: A Case Study toward The Pawners of Sharia Pawnshop of Surakarta Branch Office, Central Java, Indonesia. International Journal of Information, Business, and Management, 7(2), 63-76.
Pookulangara, S. A. (2008). Explaining Consumers' Channel-Switching Behavior Using The Theory Of Planned Behavior (Unpublished Doctoral Dissertation, University of Missouri, USA).
Rahmawati, V. (2012). Intention to Purchase the Private Label Brand: The Roles of Financial Risk Perception, Price, and Value Consciousness for Consumers of Hypermarket in Surabaya. Retrieved from https://journal.perbanas.ac.id/index.php/jebav/article/viewFile/129/96
Ramayah, T., Yusoff, Y. M., Jamaludin, N., & Ibrahim, A. (2009). Applying the Theory of Planned Behavior (TPB) to Predict Internet Tax Filing Intentions. International Journal of Management, 26(2), 272-284.
Refiana, L. (2002). Behavioral Analysis of Intention: The Case of Implementing Computer Software Copyright. Jakarta: Publisher Universitas Indonesia.
Rivis, A., & Sheeran, P. (2003). Descriptive Norms as an Additional Predictor in the Theory of Planned Behavior: A Meta-Analysis. Current Psychology Developmental, Learning, Personality, and Social, 22, 218-233.
Santoso, A., & Indarini (Unpublished Paper). Descriptive Study of Differences in Behavioral Intention Between Pocari Sweat and Mizone Beverage Products in Surabaya: The Fishbein's Behavioral Intention Model Approach.
Shih, Y., & Fang, K. (2004). The Use of a Decomposed Theory of Planned Behavior to Study Internet Banking in Taiwan. Internet Research, 14(3), 213-223.
Sumarwan, U. (2004). Consumer Behavior (2). Bogor: Ghalia Indonesia.
Tohirin, A. (2010). The Cash Waqf For Empowering The Small Businesses. Seventh International Conference – The Tawhidi Epistemology: Zakat and Waqf Economy, Retrieved from https://ibir-api.hbku.edu.qa/node/34600
Ya’qub, H. (1993). Islamic Ethics. Bandung: Diponegoro.
Yaghoubi, N., & Bahmani, E. (2010). Factors Affecting the Adoption of Online Banking an Integration of Technology Acceptance Model and Theory of Planned Behavior. International Journal of Business and  Management, 5(9), 159-165.
Zaenudin, A., & Jamhari, M. (1998). Al-Islam (2). Bandung: Pustaka Setia.