Technology Acceptance Model Analysis on the Students` Intention for Islamic Philantropy in Yogyakarta

This study examines students' intentions in conducting Islamic philanthropy in Yogyakarta using Technology Acceptance Model (TAM) analysis. The sample used in this study included 100 students in Yogyakarta who had used Fintech to perform Islamic philanthropic activities such as paying infaq, shadaqah, zakat, and waqf. This research uses analytical techniques in the form of PLS-based Structural Equation Modelling (SEM). The results of the study concluded that: First, symbolic consumption has a significant influence on the perception of usability, the perception of ease of use, and the intention to use Fintech . Second, religiosity has a significant influence on the perception of usability, the perception of ease of use and the intention to use Fintech.


Introduction
Islamic philanthropy can be defined as the behavior of generosity carried out by individuals in accordance with Islamic values, such as payments of infaq, shadaqah, zakat, and waqf. 1 Islamic philanthropy plays a big role to play in poverty alleviation. This is based on the potential possessed by Ziswaf, which is to reach 500 trillion per year. 2 We need special attention to increase Islamic philanthropic activity because data by Baznas, showed that the number of ZIS funds in 2020 only reached 408 billion. 3 Based on this fact, it is necessary to take special steps to achieve this potential. One way that can be done is by using Fintech (Financial Technology) which is currently widely integrated with banking, e-commerce, and BAZ/LAZ.
The use of technology in financial activities, especially in the payment of infaq, shadaqah, zakat, and waqf; is considered an innovation in the efforts of Islamic philanthropic activity. According to Maier, Fintech is an innovation in the financial system that integrates financial services and technology. 4

Dorfleitner defines
Fintech as the bond of various companies that provide technological support in providing financial services. 5 Bofondi and Gobbi revealed that Fintech offers services on a wide scale directly to consumers at minimum cost. Fintech has an integrated ecosystem and provides solutions from technology. 6 The use of Fintech in philanthropic activities is expected to make it easier for people who want to make infaq, shadaqah, zakat, and waqf payments with an easier process without having to go to the Amil Zakat Institution (LAZ) directly.
The TAM analysis in this study was combined with two external variables, namely, symbolic consumption and religiosity. According to Tangsupwattana and Liu, symbolic consumption is a form of purchasing goods or services that customers believe will build, confirm, or convey their own identity. 10 Luna-Cortés concludes that, when the consumer has experience in performing consumption activities that reinforce the value of his identity, it can increase satisfaction with the product and consumer will repurchase the product. 11 Tangsupwattana and Liu also explained that emotional experiences have a significant and positive effect on and Vijayasarathy on e-marketing. 24 Based on these, this study contributed by adding two external variables, namely, symbolic consumption and religiosity, in analyzing students' intentions on Islamic philanthropy in Yogyakarta. It is important, considered the great potential possessed by Islamic philanthropy in Yogyakarta.

Theoretical Framework
The Technology Acceptance Model (TAM) is a theory that analyzes the form of technology acceptance based on two variables, namely, perceived usefulness and perceived ease of use. The purpose of using TAM analysis is to determine the factors that cause users to accept technology in general and to explain user behavior if there are several external factors in it. Here are some dimensions contained in the TAM analysis, namely:

Perceived Ease of Use
Perceived ease of use can be defined as a stage in an individual who believes that the application of technology can provide convenience to himself and reduce the burden on a job. The amount of interaction that occurs between the user and DIKTUM: Jurnal Syariah dan Hukum Volume 20 Nomor 1 Juli 2022 the technological system can also increase this aspect of convenience. If a user can use the system more often, then user has experienced the ease of use of technology.

Perceived Usefulness
Perceived usefulness is a level of use of a technological system that gives confidence that the use of the technology system has high benefits to users.
Perceived usefulness is believed to have been one of the main factors that encourages individual new users to use the system.

Attitude Toward Using
The definition of attitude toward using is a stage in the use of a technological system that can provide an assessment in the form of being able to accept or reject the existence of the technological system. The attitude in use is the final form of judgment to reject or support a technological system. Attitudes in use can be applied as predictors to determine a person's intention to use a technological system or not.

Behavioral Intention to Use
The behavioral intention to use is the final stage in the process of receiving technology, which is shown in the form of an attitude to establish himself as a user of a certain technological system. According to Davis, perceived  Symbolic consumption can be defined as an attempt on self-expression by an individual to put himself socially and culturally in society. 27 Symbolic consumption in a Muslim, namely the value of piety, can be seen from the products and services he consumes, such as halal food, decent clothing, Islamic financial institutions, and other halal products. 28 Symbolic Consumption is the purchase of goods or services that customers believe will build, confirm, or convey their own identity. Symbolic consumption, in addition to being able to be used as a means of self-identity and lifestyle, can also be used as the formation of the social status possessed. 29 In the discussion of symbolic consumption, the author has difficulty finding literature that discusses the relationship between symbolic consumption and the use of Fintech products. In research conducted by Luna-Cortés explained that when consumers have experience in conducting consumption activities that strengthen their identity value (symbolic consumption), can increase their satisfaction with the product and will repurchase the product. 30 Tangsupwattana and Liu in their research found that emotional experiences have a significant and positive effect of experiencing symbolic consumption, and furthermore symbolic consumption can have a positive effect on brand loyalty. 31 Based on these two studies, the authors assume that symbolic consumption can encourage consumers to use Fintech for Islamic philanthropy.

b. Religiosity
Religiosity is a vital factor, considering that religion is one of the supporting factors in the foundation of society. This basic pillar has an important impact on thought processes, characteristics, and behavior at the individual and group level. Yousaf  Based on the framework of the literature, the framework of the research concept can be seen in figure 1:

Method
This research is a quantitative research using a causality approach. The causality approach analyzes the causal relationship between two or more variables. The sample used in this study was 100 students in Yogyakarta who had used technology facilities to conduct Islamic philanthropic activities such as paying infaq, shadaqah, zakat, and waqf. The operational definitions of the variables used can be seen in the following

Characteristics of Respondents
The sample used in this study was 100 respondents. Here the data explaining the characteristics of the study:   Islamic philanthropic activities amounts to less than Rp. 100,000.00, which amounts to 64%.

Instrument Testing
Instrument testing in this study consists of testing validity and reliability using convergent validity and composite reliability. Convergent validity can be known by looking at the correlation value of the construct variable with its indicator. Each indicator that can be expressed as a valid indicator if has a correlation value of more than 0.50.   This can be seen from Cronbach's Alpha, Composite Reliability, and AVE of each variable that is above 0,70.

Hypothesis Testing
The test model using SEM analysis is shown in the following figure:

Discussions
The results of the study found that in the direct relationship model, almost all variables have a significant influence. Only the perceived ease of use did not have a significant influence on the attitude toward using. This means that in the case of Islamic philanthropy in using technology, the perceived ease of use is not a variable that encourages students to respond to the use of Fintech. This can be caused by the difficulties faced by students in Yogyakarta in using Fintech, such as the need for a device connected to internet access and difficulty in understanding the payment process. This agrees with Aljwder and Abdulrazzaq's research that the perception of ease of use has no significant influence on attitudes in using contactless payments in students in Bahrain. Furthermore, the results of the study also found that religiosity has a significant influence on perceived usefulness, perceived ease of use and behavioral intention to use Fintech. Religiosity is a factor that encourages students in Yogyakarta to conduct Islamic philanthropic activities using Fintech. According to Khan; Asad; and Mehboob, religion is an important factor that determines the activities to be carried out by society. Religious values able influence his routine activities. 40 This also affects the consumption activities carried out because individuals influence the value of religiosity determining what type of product will be consumed. 41 This result agrees with Usman's research that religiosity has a significant impact on intention activities in using Fintect on Islamic philanthropic activities. 42 Another study by Amin et al., found that religiosity has a significant impact on the intention to use online waqf using the TAM approach. 43

Conclusions
This study examines students' intentions in conducting Islamic philanthropy in Yogyakarta using Technology Acceptance Model (TAM) analysis. The conclusion given by this study: First, symbolic consumption has a significant influence on the perceived usefulness, perceived ease of use and behavioral intention to use Fintech. Second, religiosity has a significant influence on the perceived usefulness, perceived ease of use and behavioral intention to use Fintech.
The contribution of this research is to provide additional discussions on the study of the use of Fintech on Islamic philanthropic activities. The results of this research can be a collaborative material for Fintech and BAZ/LAZ providers in attracting public interest, especially for students in conducting Islamic philanthropic activities using Fintech.