Satuwakaf Indonesia App in the Eye of Indonesian Youth: Comparing Millennials and Gen Z Preferences
Keywords:
Satuwakaf Indonesia, Digital Waqf, Millennial, Gen Z, Altruism, Multi-Group-Analysis
Abstract
Background: Indonesia's demographic bonus provides an opportunity to expand digital waqf participation among Millennials and Generation Z through the Satuwakaf Indonesia application. Therefore, there are urgencies to analyse the behavior and preferences of Digital Waqf among Indonesian Youth.
Method: This study employed a quantitative approach within a sequential explanatory mixed-method design. Data from 428 respondents were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), Multi-Group Analysis (PLS-SEM MGA), and robustness testing.
Results: Attitude, subjective norm, perceived behavioral control, perceived ease of use, perceived usefulness, outcome satisfaction, expectation, and altruism significantly influenced digital waqf intention, whereas process satisfaction did not significantly affect expectation. Altruism also strengthened the relationships between TPB constructs and behavioral intention. Multi-group analysis indicated that the structural model was generally consistent across Millennials and Generation Z, with a significant difference only in the relationship between outcome satisfaction and expectation.
Conclusion: Integrating TPB, ETAM, and altruism provides a comprehensive framework for explaining digital waqf adoption and offers practical guidance for improving digital waqf platforms and increasing youth participation.
References
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Wixom, B. H., & Todd, P. A. (2005). A theoretical integration of user satisfaction and technology acceptance. Information Systems Research, 16(1), 85–102.
Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and intention to pay zakat. International Journal of Zakat, 5(1), 15–27.
Aini, L., Manik, C. W., Ginting, H. N. B., Salsabila, S., & Hidayat, N. (2025). Analisis Bonus Demografi Ditengah Tingginya Pengangguran Terdidik di Indonesia. Geosfera: Jurnal Penelitian Geografi, 4(1), 86–96.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
Akbar, T. S. W., Sari, A., Winarni, R., Raspati, G., & Jaya, U. A. (2025). Analisis Sistem Pemasaran Titip Jual Melalui Tengkulak Dan Keberlanjutan Ekonomi Petani Di Desa Pawenang, Kecamatan Nagrak, Kabupaten Sukabumi. MBA Journal–Management, Business Administration, and Accounting Journal, 2(01), 33–40.
APJII. (2025). SURVEI PENETRASI INTERNET DAN PERILAKU PENGGUNAAN INTERNET 2025. https://survei.apjii.or.id/
Ascarya, A. (2022). The role of Islamic social finance during Covid-19 pandemic in Indonesia’s economic recovery. International Journal of Islamic and Middle Eastern Finance and Management, 15(2), 386–405. https://doi.org/10.1108/IMEFM-07-2020-0351
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Badan Wakaf Indonesia. (2023). BWI dan BI Launching Aplikasi Satu Wakaf Indonesia. Bwi.Go.Id. https://www.bwi.go.id/9095/2023/10/26/bwi-dan-bi-launching-aplikasi-satu-wakaf-indonesia/
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Bappenas. (2019). Kementerian Perencanaan Pembangunan Nasional: VISI Indonesia 2045. 1–158.
Batson, C. D. (2011). Altruism in humans. Oxford University Press.
Bekkers, R., & Wiepking, P. (2011). Who gives? A literature review of predictors of charitable giving part one: Religion, education, age and socialisation. Voluntary Sector Review, 2(3), 337–365.
Belleflamme, P., Omrani, N., & Peitz, M. (2015). The economics of crowdfunding platforms. Information Economics and Policy, 33, 11–28.
Bhattacherjee, A. (2001). An empirical analysis of the antecedents of electronic commerce service continuance. Decision Support Systems, 32(2), 201–214.
Bloom, D. E., Canning, D., & Sevilla, J. (2003). Geography and poverty traps. Journal of Economic Growth, 8(4), 355–378.
BPS. (2022). Data dan Informasi Kemiskinan Kabupaten_Kota Tahun 2022. Badan Pusat Statistik. https://www.bps.go.id/publication/2023/06/23/ff7dcfef2c72cc9979b8b971/pengeluaran-untuk-konsumsi-penduduk-indonesia-september-2022.html
BPS. (2025). Jumlah Penduduk Menurut Kelompok Umur dan Jenis Kelamin, 2025.
Chamid, A., & Olasunkanmi, E. H. (2025). Revitalization Of Islamic Philanthropy In Empowering The Economy Of The People In The Digital Era. AL-BAYAN: Jurnal Hukum Dan Ekonomi Islam, 5(2), 144–157.
Davis, F. D. (1989a). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 319–340.
Davis, F. D. (1989b). Technology acceptance model: TAM. Al-Suqri, MN, Al-Aufi, AS: Information Seeking Behavior and Technology Adoption, 205(219), 5.
Dimock, M. (2019). Defining generations: Where Millennials end and Generation Z begins. Pew Research Center, 17(1), 1–7.
Francis, T., & Hoefel, F. (2018). True Gen’: Generation Z and its implications for companies. McKinsey & Company, 12(2), 1–10.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
Hajli, N. (2015). Social commerce constructs and consumer’s intention to buy. International Journal of Information Management, 35(2), 183–191.
Hiyanti, H., Fitrijanti, T., & Sukmadilaga, C. (2020). Pengaruh Literasi dan Religiusitas Terhadap Intensi Berwakaf Pada Cash Waqf Linked Sukuk (CWLS). JIMEA Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi, 4(3).
Kasri, R. A., & Chaerunnisa, S. R. (2022a). The role of knowledge, trust, and religiosity in explaining the online cash waqf amongst Muslim millennials. Journal of Islamic Marketing, 13(6), 1334–1350.
Kasri, R. A., & Chaerunnisa, S. R. (2022b). The role of knowledge, trust, and religiosity in explaining the online cash waqf amongst Muslim millennials. Journal of Islamic Marketing, 13(6), 1334–1350. https://doi.org/10.1108/JIMA-04-2020-0101
Kusairi, K., Sukmawati, A., A.S, N., & Rahman, M. S. (2025). Predicting M-banking adoption: the moderating role of age in technology acceptance. Cogent Business & Management, 12(1). https://doi.org/10.1080/23311975.2025.2547964
McDougle, L. M., & Lam, M. (2014). Individual-and community-level determinants of public attitudes toward nonprofit organizations. Nonprofit and Voluntary Sector Quarterly, 43(4), 672–692.
Mohsin, M. I. A. (2019). Waqfintech and sustainable socio-economic development. International Journal of Management and Applied Research, 6(3), 130–141.
Muhaemin, N. M. (2021). Bonus Demografi Jawa Barat Dan Perencanaan Pembangunan Daerah: Sudah Siapkah Jawa Barat? Jurnal Academia Praja, 4(1), 201–222.
Mujahidah, A. S., & Rusydiana, A. S. (2023a). Perceptions of Indonesian Muslim Youth on Factors Influencing Their Intention to Perform Cash Waqf. International Journal of Islamic Economics and Finance (IJIEF), 6(1). https://doi.org/10.18196/ijief.v6i1.13964
Mujahidah, A. S., & Rusydiana, A. S. (2023b). Perceptions of Indonesian Muslim youth on factors influencing their intention to perform cash waqf. International Journal of Islamic Economics and Finance (IJIEF), 6(1), 53–72.
Nuryitmawan. (2022). Determinants Of The Intentipn To Participate In Waqf: ALtruism, Trust, And Religiosity. Airlangga Journal of Innovation Management, 3(2), 197–211. https://doi.org/10.20473/ajim.v3i1.40261
Prensky, M. (2001). Digital natives, digital immigrants part 2: Do they really think differently? On the Horizon, 9(6), 1–6.
Ramayah, T., & Lee, J. W. C. (2012). System characteristics, satisfaction and e-learning usage: A structural equation model (SEM). Turkish Online Journal of Educational Technology-TOJET, 11(2), 196–206.
Ryandono, M. N. H., Widiastuti, T., Filianti, D., Robani, A., Al Mustofa, M. U., Susilowati, F. D., Wijayanti, I., Dewi, E. P., & Atiya, N. (2025). Overcoming barriers to optimizing cash waqf linked sukuk: A DEMATEL-ANP approach. Social Sciences & Humanities Open, 11, 101588.
Saxton, G. D., & Wang, L. (2014). The social network effect: The determinants of giving through social media. Nonprofit and Voluntary Sector Quarterly, 43(5), 850–868.
Sayuti, K. M., & Amin, H. (2020). Integrating the effects of price fairness and Islamic altruism with the TPB model: The case of Islamic mortgage adoption. International Journal of Housing Markets and Analysis, 13(5), 791–807. https://doi.org/10.1108/IJHMA-07-2019-0077
Shaikh, S. A. A. (2017). Developing an index of socio-economic development consistent with maqasid Al-Shari’ah. Journal of King Abdul Aziz University, Islamic Economics, 30(1), 117–129.
Sitanggang, N. H. U., Manurung, M. P., Silaban, K., Febrianti, G., & Hidayat, N. (2025). Peran Demografi Dalam Menentukan Arah Perekonomian Indonesia. J-CEKI: Jurnal Cendekia Ilmiah, 4(6), 10–21.
Sulistiawati, R. (2021). Transisi Demografi Dan Pertumbuhan Ekonomi Di Kalimantan Barat. Prosiding Seminar Nasional SATIESP 2021, 602–978.
Susanti, R., Verolyna, D., & Kurnia Syaputri, I. (2025). Transformasi Religiusitas Generasi Z Dari Transisi Tradisional Ke Teknologi. Institut Agama Islam Negeri Curup.
Venkatesh, V., & Bala, H. (2008). Technology acceptance model 3 and a research agenda on interventions. Decision Sciences, 39(2), 273–315.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view1. MIS Quarterly, 27(3), 425–478.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the Unified Theory of Acceptance and Use of Technology1. MIS Quarterly, 36(1), 157–178.
Wixom, B. H., & Todd, P. A. (2005). A theoretical integration of user satisfaction and technology acceptance. Information Systems Research, 16(1), 85–102.
Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and intention to pay zakat. International Journal of Zakat, 5(1), 15–27.
Published
2026-09-14
How to Cite
Reyhanmulky, M., Manzilati, A., Trapsila, A. P., & Salsabila, I. (2026). Satuwakaf Indonesia App in the Eye of Indonesian Youth: Comparing Millennials and Gen Z Preferences. Sharia Economic and Management Business Journal (SEMBJ), 7(3), 244-269. https://doi.org/10.62159/sembj.v7i3.2710
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Copyright (c) 2026 Muhammad Reyhanmulky, Asfi Manzilati, Aji Purba Trapsila, Izzah Salsabila
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