Pengaruh kewajipan agama dan literasi zakat terhadap gelagat pembayaran zakat simpanan secara terus melalui perbankan Islam

Muslim depositor with savings in Islamic banking must pay zakat on savings when certain conditions are met. As accredited savings zakat collection agents, Islamic banking institutions provide savings zakat payment facilities directly to customers to encourage depositors to pay their savings zakat. Currently, there are only two Islamic banks with such facilities in Malaysia, which may reflect the level of awareness on this matter. Therefore, this study aims to identify factors influencing the behavioural intentions of Muslim individuals in paying zakat on savings directly through the bank. The framework of the study is based on a combination of the Theory of Planned Behaviour and the Theory of Islamic Consumer Behaviour. The framework of this study simultaneously introduces two new variables, namely Religious Obligation and Zakat Literacy mediator. Data collection used an online questionnaire instrument involving respondents among individual Muslim depositors in Selangor, Putrajaya and Kuala Lumpur. Estimationis based on partial least squares structure-equation modelling (PLS-SEM). The findings of the study show that Attitude, Religious Obligation and Perceived Behaviour Control through the mediator with the effect of Zakat Literacy influence behavioralintention to pay zakat savings directly through Islamic banks. However, for the Subjective Norm, it shows that it does not affect the BehavioralIntention to Pay zakat on savings through the Bank. Based on the findings of this study, it can be concluded that thenew variables introduced, which are Religious Obligation and Zakat Literacy mediator, can influence the willingness of Islamic depositors to use the facility of payment of zakat savings directly through banks. Therefore, it is recommended that Islamic banking institutions that have yet to offer the service to their customers to start doing so.