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Jun 10, 2025
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Jun 10, 2025
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Abstract
The innovative potential of Sharia-based crowdfunding platforms to align finances with Islamic principles remains untapped in much of Indonesia's Muslim communities. This study investigated how halal supply chains, Islamic social media marketing, and zakat awareness influence intentions to use such platforms. It also examined how Sharia financial literacy might moderate these relationships. Through questionnaires given to Indonesians familiar with Islamic finance, the research gauged relationships between constructs using PLS-SEM analysis. Findings revealed all three independent variables—halal supply chains, religious social media marketing, and zakat consciousness—positively impacted intentions, though strengths varied. Sharia financial knowledge was found to qualify some linkages, underscoring its pivotal role in shaping religious and ethical responses to fintech. By integrating doctrinal values and behavioral predictors through the Theory of Planned Behavior framework, this work offers a nuanced understanding of adoption factors. It contributes to the discourse around Islamic digital finance and provides practical guidance for developers, marketers, and leaders aiming to boost accessibility and trust in Muslim communities.
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
How to Cite
Safitri, M., Samasta, A. S., & Oktavia, V. (2025). The Moderating Role of Sharia Financial Literacy on the Impact of Halal Supply Chain, Islamic Social Media Marketing, and Zakat Awareness on Intention to Use Sharia Crowdfunding Platforms. Jurnal Ekonomi Dan Statistik Indonesia, 5(1), 216-224. https://doi.org/10.11594/jesi.05.01.17
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Setiawan, H., Yusro, M., & Hasanah, N. (2021). Determinan adopsi platform keuangan syariah berbasis daring. Jurnal Ekonomi Syariah Indonesia, 6(3), 122–138.
Siagian, M., Hadi, A., & Ramadani, M. (2023). Zakat awareness and ethical fintech mar-keting: A dual-impact model. Islamic Economic and Social Review, 5(2), 77–93.
Sulaeman, A., & Ninglasari, R. (2020). Theory of Planned Behavior and Islamic fintech usage in Indonesia. Journal of Applied Is-lamic Economics, 8(1), 11–28.
Ulya, M. (2019). Strategi pengembangan digital zakat dan crowdfunding dalam mening-katkan kesejahteraan umat. Jurnal Keu-angan Sosial Islam, 7(1), 90–101.
Wafa, S., Yulianti, R., & Zakiyah, R. (2022). The impact of religiosity and financial literacy on Islamic fintech acceptance. Jurnal Ekonomi dan Manajemen Syariah, 10(1), 60–74.
Wahyudin, A., Hakim, L., & Azmi, F. (2018). Exploring behavioral intention in Islamic microfinance: Application of TPB. Inter-national Journal of Islamic Business and Finance, 3(2), 87–102.
Wardhana, I. P., Sari, N. D., & Amaliah, L. (2020). Bias dalam survei online dan im-plikasinya terhadap penelitian syariah. Jurnal Metodologi Riset Islam, 4(1), 24–36.
Aldinda, R. (2022). Crowdfunding berbasis syariah dan dampaknya terhadap pem-berdayaan petani lokal. Jurnal Keuangan Islam Indonesia, 7(1), 45–58.
Alvina, L., Sari, N., & Ramadhan, F. (2024). Evaluasi model adopsi fintech syariah di kalangan milenial: Pendekatan SEM-PLS. Jurnal Teknologi dan Keuangan Islam, 6(1), 51–68.
Agustiningsih, D., Wicaksono, A., & Nugroho, Y. (2021). Penerapan SEM-PLS untuk penelitian perilaku konsumen digital. Jurnal Riset Kuantitatif Bisnis, 12(3), 144–159.
Auliyah, R., & Basuki, R. (2022). Digitalisasi ekonomi pesantren: Peluang, tantangan, dan kebijakan. Jurnal Ekonomi Syariah dan Inovasi, 8(2), 71–85.
Bin-Nashwan, S. A., Abdul-Jabbar, H., & Kas-sim, S. (2024). Exploring the drivers of Is-lamic social finance behavior using an ex-tended TPB model. International Journal of Islamic Economics and Finance Re-search, 10(1), 25–40.
Fahmi, A., Yusuf, A., & Nurjanah, L. (2024). Theory of Planned Behavior dalam per-ilaku keuangan syariah: Studi empiris pada masyarakat urban muslim. Jurnal Ilmiah Ekonomi Islam, 13(1), 1–18.
Hakim, L., Putra, S., & Marlina, D. (2023). Digi-tal religiosity and behavioral intention in Islamic fintech: A structural model ap-proach. Indonesian Journal of Islamic Business and Finance, 5(2), 112–128.
Harahap, S., Ramli, A., & Zakaria, N. (2024). Validitas model adopsi teknologi berbasis nilai Islam: Studi pada pengguna muda. Jurnal Ilmu Manajemen dan Ekonomi Syariah, 15(1), 77–90.
Hudaifah, A., Sari, N. M., & Ilmi, H. (2022). Fac-tors affecting intention to use Islamic crowdfunding platforms in Indonesia. In-ternational Journal of Islamic Economics, 4(2), 88–102.
Hendratmoko, B., Lestari, M., & Rohmah, F. (2024). Financial literacy and religious norms as determinants of Sharia financial inclusion. Journal of Islamic Financial Studies, 12(1), 66–80.
Iswanti, I., Aulia, M. F., & Sahabuddin, R. (2024). Measurement validation of Islam-ic fintech adoption model: The case of young Muslim investors. Jurnal Riset Keuangan Syariah, 9(1), 22–38.
Kusuma, H., & Anafisati, M. (2020). Sharia marketing ethics and consumer trust in Islamic financial platforms. Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah, 12(2), 98–107.
Majid, M. S. A., & Nugraha, A. (2022). Pengaruh literasi keuangan digital dan syariah terhadap minat penggunaan plat-form crowdfunding syariah. Jurnal Keu-angan Islam Digital, 3(1), 37–49.
Ma’wa, M. D., Saefullah, A., & Rachmawati, A. (2024). Pengujian perilaku adopsi teknologi pada industri keuangan Islam dengan pendekatan kuantitatif. Jurnal Ekonomi dan Keuangan Islam, 14(1), 17–33.
Mansyur, H., & Ali, M. (2022). Validasi instru-men perilaku keuangan syariah pada pengguna digital. Jurnal Ekonomi dan Studi Islam, 10(2), 134–147.
Marwa, M., Alim, N., & Sofyan, A. (2024). Ke-bijakan dan kerangka hukum dalam pengembangan platform keuangan sosial Islam. Jurnal Hukum Ekonomi Syariah, 5(1), 43–59.
Mu’afifah, N., & Sukardi, R. (2023). Evaluasi model adopsi platform crowdfunding dengan pendekatan SEM-PLS. Jurnal Ekonomi Islam Nusantara, 8(2), 56–70.
Mustofa, M., Rahman, A., & Taufik, M. (2024). Syariah compliance, literasi, dan ke-percayaan dalam niat penggunaan fintech Islam. Jurnal Inovasi Keuangan Syariah, 11(1), 75–89.
Noor, I., Wibowo, S., & Hafidz, M. (2024). Inte-grating ethical principles into Islamic crowdfunding success factors: An empiri-cal approach. Journal of Islamic Digital Economy, 6(2), 109–123.
Nur, A. (2022). Religiosity and Islamic fintech among Generation Z: Moderating effect of digital familiarity. Journal of Islamic Youth Economy, 4(1), 27–39.
Ocktavia, S., & Ayubi, R. (2024). Maqasid Sha-ria-based fintech development for inclu-sive Islamic finance. Journal of Islamic Digital Finance, 3(1), 41–55.
Pahlevi, M., Hidayah, T., & Yuniarti, F. (2023). Ethical considerations in Islamic digital surveys: Lessons from recent practices. Islamic Research Ethics Journal, 2(2), 19–33.
Pratami, N., Rusmana, A., & Choiriyah, U. (2022). Awareness and trust in Islamic crowdfunding: Role of ethics in commu-nication. Journal of Islamic Marketing Perspectives, 9(3), 203–219.
Putra, R. D. (2021). Digital religiosity and atti-tudes toward Islamic crowdfunding ser-vices. Jurnal Media Dakwah Digital, 5(2), 114–127.
Santri, M. A. (2024). Peran literasi keuangan syariah sebagai variabel moderator da-lam adopsi keuangan digital Islam. Jurnal Inovasi dan Transformasi Keuangan Sya-riah, 7(1), 45–59.
Setiawan, H., Yusro, M., & Hasanah, N. (2021). Determinan adopsi platform keuangan syariah berbasis daring. Jurnal Ekonomi Syariah Indonesia, 6(3), 122–138.
Siagian, M., Hadi, A., & Ramadani, M. (2023). Zakat awareness and ethical fintech mar-keting: A dual-impact model. Islamic Economic and Social Review, 5(2), 77–93.
Sulaeman, A., & Ninglasari, R. (2020). Theory of Planned Behavior and Islamic fintech usage in Indonesia. Journal of Applied Is-lamic Economics, 8(1), 11–28.
Ulya, M. (2019). Strategi pengembangan digital zakat dan crowdfunding dalam mening-katkan kesejahteraan umat. Jurnal Keu-angan Sosial Islam, 7(1), 90–101.
Wafa, S., Yulianti, R., & Zakiyah, R. (2022). The impact of religiosity and financial literacy on Islamic fintech acceptance. Jurnal Ekonomi dan Manajemen Syariah, 10(1), 60–74.
Wahyudin, A., Hakim, L., & Azmi, F. (2018). Exploring behavioral intention in Islamic microfinance: Application of TPB. Inter-national Journal of Islamic Business and Finance, 3(2), 87–102.
Wardhana, I. P., Sari, N. D., & Amaliah, L. (2020). Bias dalam survei online dan im-plikasinya terhadap penelitian syariah. Jurnal Metodologi Riset Islam, 4(1), 24–36.