Analisis Intensi Generasi Y Dan Z Jabodetabek Membeli Cash Waqf Linked Sukuk Retail

Abstract

Pembelian SWR004 mencapai volume penjualan tertinggi sebesar Rp112,563 milliar pada tahun 2023 dibandingkan SWR003 sebesar Rp38,25 milliar pada tahun 2022. Penjualan cash waqf linked sukuk ritel secara online juga terbilang cukup baik, yaitu sebesar Rp24,128 dengan jumlah wakif yang mendominasi sebesar 618 wakif. Sementara itu, terjadi penurunan pemesanan CWLS Ritel secara online, baik dari sisi nominal pemesanan maupun jumlah wakif. Penelitian ini bertujuan menganalisis intensi generasi Y dan Z membeli cash waqf linked sukuk retail dengan menggunakan pendekatan Technology Acceptance of Model (TAM) dan tambahan variabel literasi wakaf. Penelitian mengambil sampel sebanyak 200 responden. Pengambilan sampel menggunakan metode non probability sampling dengan teknik convenience sampling dan dianalisis dengan Structural Equation Model-Partial Least Square. Hasil penelitian menunjukkan bahwa literasi wakaf lanjutan, persepsi kegunaan, dan kepercaayaan kepada BWI dan lembaga wakaf berpengaruh positif signifikan terhadap intensi membeli CWLS Ritel. Variabel kepercayaan dapat memediasi persepsi transparansi dengan intensi membeli CWLS ritel.

SWR004 purchases reached the highest sales volume of Rp112.563 billion in 2023 compared to SWR003 of Rp38.25 billion in 2022. Online sales of retail cash waqf linked sukuk are also quite good at IDR24,128 with the highest number of waqifs at 618 waqifs. However, there has been a decrease in online CWLS Retail bookings both in terms of nominal bookings and the number of waqifs. This study aims to analyze the intention of the Y and Z generation to buy cash waqf linked sukuk retail using the Technology Acceptance of Model (TAM) approach and additional waqf literacy variables. This study used quantitative methods with primary data and involved 200 respondents. Sampling using non probability sampling method with convenience sampling technique and analyzed with Structural Equation Model- Partial Least Square. The results showed that waqf literacy, perceived usefulness, and trust in BWI and waqf institutions have a significant positive effect on the intention to buy retail CWLS. Trust variable can mediate the perceived transparency and intention to buy retail CWLS.