Digital Transformation of Islamic Philanthropy: An Analysis of Indonesian Higher Education Student Preferences Between Traditional Street Crowdfunding and Mobile Application - Based Sadaqah Platforms
DOI:
https://doi.org/10.47134/ijsl.v6i2.553Keywords:
Crowdfunding, Digital Transformation, Higher Education, Islamic Philanthropy, SadaqahAbstract
The digitalization of Islamic philanthropy has increasingly shaped contemporary sadaqah practices, particularly through the rise of mobile app-based platforms. These innovations offer alternative charitable pathways that coexist with traditional street crowdfunding, creating diverse options for donors in the digital era. This study examines the preferences of Indonesian higher education students regarding traditional street crowdfunding and mobile application-based sadaqah platforms, and identifies key factors influencing their choices. Using a cross-sectional quantitative design, data were collected from 235 students across four higher education institutions in Indonesia using a structured questionnaire that assessed demographics, technology adoption, religious practice intensity, trust factors, and platform preferences. Descriptive statistics, chi-square tests, and binary logistic regression were used to analyze the data. The results indicate that 61.7% of respondents prefer mobile application-based platforms, while 38.3% favor traditional street crowdfunding. Higher religious practice intensity and older age were significantly associated with a preference for traditional crowdfunding. Overall, the findings highlight a generational shift toward digital platforms, driven by convenience, transparency, and familiarity with technology. These insights suggest that organizations engaged in Islamic philanthropy should integrate digital innovations while maintaining traditional religious values to develop more inclusive, adaptive philanthropic strategies.
Downloads
References
Adinugraha, H. H., Shulhoni, M., & Achmad, D. (2023). Islamic Social Finance in Indonesia: Opportunities, Challenges, and Its Role in Empowering Society. Review of Islamic Social Finance and Entrepreneurship, 2(1), 45 - 62. https://doi.org/10.20885/risfe.vol2.iss1.art4. DOI: https://doi.org/10.20885/RISFE.vol2.iss1.art4
Afandi, M. Y. (2023). Analyzing the Impact of Digital Transformation in Islamic Philanthropy using the UTAUT Model. Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies, 19(2), 317 - 337. https://doi.org/10.18196/afkaruna.v19i2.16086. DOI: https://doi.org/10.18196/afkaruna.v19i2.16086
Ahmad, N., Nafees, B., & Sabir, A. (2024). Impact of Customers’ Demographics on their Attitudes and Intentions to Adopt FinTech for Banking Services: TAM-Based Explanation. Contemporary Issues in Social Sciences and Management Practices, 3(2), 245 - 263. https://doi.org/10.61503/cissmp.v3i2.183. DOI: https://doi.org/10.61503/cissmp.v3i2.183
Al Balushi, Y., Locke, S., & Boulanouar, Z. (2019). Determinants of the Decision to Adopt Islamic Finance: Evidence from Oman. ISRA International Journal of Islamic Finance, 11(1), 6 - 26. https://doi.org/10.1108/IJIF-02-2018-0020. DOI: https://doi.org/10.1108/IJIF-02-2018-0020
Altarteer, S., & Bamoallem, B. (2025). Investigating Donor Attitudes Toward E-Philanthropy Crowdfunding Platforms: A Preliminary Study in Saudi Arabia. International Review on Public and Nonprofit Marketing, 22(1), 53 - 75. https://doi.org/10.1007/s12208-024-00418-5. DOI: https://doi.org/10.1007/s12208-024-00418-5
Andespa, R., Yeni, Y. H., Fernando, Y., & Sari, D. K. (2023). A Systematic Review of Customer Sharia Compliance Behavior in Islamic Banks: Determinants and Behavioural Intention. Journal of Islamic Marketing, 15(4), 1013-1034. https://doi.org/10.1108/JIMA-06-2023-0181. DOI: https://doi.org/10.1108/JIMA-06-2023-0181
Anoraga, B. (2024). A Decade of Charitable Crowdfunding and Its Impacts on the Social Justice Trajectory of Islamic Philanthropy in Indonesia. Advances in Southeast Asian Studies, 17(1), 5 - 24. https://doi.org/10.14764/10.ASEAS-0094.
Arzam, A., Fauzi, M., Efendi, F., & Sulastri, W. (2023). Islamic Crowdfunding: A Review of the Literature. Review of Islamic Economics and Finance (RIEF), 6(2), 171-186. https://doi.org/10.17509/rief.v6i2.62827.
Azhari, D., & Asmuni. (2023). A Comparison of Philanthropic Contributions with Different Cultural Backgrounds: A Case Study of Indonesia and Malaysia. Islamic Economics and Business Review, 2(3), 352-370. https://doi.org/10.59580/iesbir.v2i3.6775.
Bonang, D., Ismail, S., & Sukmana, R. (2024). Empowering the Future of Cash Waqf Through Digitalization: an Insight Into the Philanthropic Intention of the Indonesian Muslim Community. ISRA International Journal of Islamic Finance, 16(S1), 94 - 117. https://doi.org/10.55188/ijif.v16iS1.586. DOI: https://doi.org/10.55188/ijif.v16iS1.586
Dinh, J. M., Isaak, A. J., & Wehner, M. C. (2024). Sustainability-Oriented Crowdfunding: an Integrative Literature Review. Journal of Cleaner Production, 448, 141579. https://doi.org/https://doi.org/10.1016/j.jclepro.2024.141579. DOI: https://doi.org/10.1016/j.jclepro.2024.141579
Doungpitak, M., Chomtohsuwan, T., Kraiwanit, T., Jangjarat, K., & Chutipat, V. (2023). Factors Influencing Digital Technology Skills in the Developing Country. Corporate and Business Strategy Review, 4(2), 251-259. https://doi.org/10.22495/cbsrv4i2siart4. DOI: https://doi.org/10.22495/cbsrv4i2siart4
Feriati, B., Nopita, R., Riadi, H., Harmaini, H., Sulwana, S., & Uri, F. (2025). The Integration of Science and Technology in Islamic Fiqh: A Contemporary Perspective. Indonesian Journal of Education Research (IJoER), 6(1), 77-86. https://doi.org/10.37251/ijoer.v6i1.1407. DOI: https://doi.org/10.37251/ijoer.v6i1.1407
Hadiyanto, A., Putri, K. Y. S., & Fazli, L. (2025). Religious Moderation in Instagram: an Islamic Interpretation Perspective. Heliyon, 11(4), e42816. https://doi.org/https://doi.org/10.1016/j.heliyon.2025.e42816. DOI: https://doi.org/10.1016/j.heliyon.2025.e42816
Hamidah, N. N., Aligarh, F., Setiawan, A., Usnan, U., & Hilmi, F. (2024). Why do Indonesian Muslims Donate through Crowdfunding Platforms? An Integration of UTAUT, Transparency, and Trust. International Journal of Islamic Economics and Finance (IJIEF), 7(2), 267-288. https://doi.org/10.18196/ijief.v7i2.22556. DOI: https://doi.org/10.18196/ijief.v7i2.22556
Hantoro, R. T., Hasib, F. F., Maulidiyah, D. R., Nilasari, W. A., & Hambali, R. W. (2023). Analysis of Intention to Use Digital Islamic Banking among University Students in Indonesia. The Journal of Muamalat and Islamic Finance Research, 20(2), 135-151. https://doi.org/10.33102/jmifr.526. DOI: https://doi.org/10.33102/jmifr.526
Hazhin, U. M., & Sunur, Y. E. (2025). The Digitization of Islamic Philanthropy: Legal Accountability of Amil Zakat Institutions in Zakat Management via E-Commerce. West Science Law and Human Rights, 3(03), 340 - 350. https://doi.org/10.58812/wslhr.v3i03.2104. DOI: https://doi.org/10.58812/wslhr.v3i03.2104
Iradianty, A., & Aditya, B. R. (2020). Indonesian Student Perception of Digital Payment. Jurnal Manajemen Bisnis, 17(4), 518–530. https://doi.org/10.38043/jmb.v17i4.2713. DOI: https://doi.org/10.38043/jmb.v17i4.2713
Jang, M., Nikou, S., & Kim, S. (2024). Factors Influencing Users’ Perceptions of Digital Platform Indispensability: A Comparative Study of Korea and Finland. Behavioral Sciences, 14(6), 502. https://doi.org/10.3390/bs14060502. DOI: https://doi.org/10.3390/bs14060502
Jiang, H., Yang, J., & Gai, J. (2023). How Digital Platform Capability Affects the Innovation Performance of SMEs—Evidence From China. Technology in Society, 72, 102187. https://doi.org/https://doi.org/10.1016/j.techsoc.2022.102187. DOI: https://doi.org/10.1016/j.techsoc.2022.102187
Judijanto, L., Siminto, S., & Rahman, R. (2024). The Influence of Religious Beliefs and Religious Practices on Social Cohesion in Modern Society in Indonesia. The Eastasouth Journal of Social Science and Humanities, 1(03), 139. https://doi.org/10.58812/esssh.v1i03.276. DOI: https://doi.org/10.58812/esssh.v1i03.276
Lin, X. Y., Moxley, J., Sharit, J., & Czaja, S. J. (2025). Beyond the Digital Divide: Factors Associated With Adoption of Technologies Related to Aging in Place. Journal of Applied Gerontology, 44(6), 959-969. https://doi.org/10.1177/07334648251318789. DOI: https://doi.org/10.1177/07334648251318789
Lynn-Sze, J. C., & Fathi, N. N. B. (2023). The Roles of Social Media Influencers on Online Fundraising in Indonesia. Journal of Indonesian Economy and Business, 38(2), 105-118. https://doi.org/10.22146/jieb.v38i2.6010. DOI: https://doi.org/10.22146/jieb.v38i2.6010
Mirghaderi, L., Sziron, M., & Hildt, E. (2023). Ethics and Transparency Issues in Digital Platforms: An Overview. AI (Switzerland), 4(4), 831-843. https://doi.org/10.3390/ai4040042. DOI: https://doi.org/10.3390/ai4040042
Muryani, M. A., Rosyidah, N., Davin, C. S. M. A., & Noor, A. (2023). The Role of Donation-Based Crowdfunding Platforms in Improving People’s Welfare (Study on the Kitabisa.com). JED: Jurnal Etika Demokrasi, 8(3), 373–382. https://doi.org/10.26618/jed.v8i3.10860. DOI: https://doi.org/10.26618/jed.v8i3.10860
Othman, A., Hasan, Z. A., Ibrahim, K., Nurul, S., & Ibrahim, H. (2024). Factors Influencing the Intention to Donate (Infaq And Sadaqah) Among UiTMCM Staff. Global Business and Management Research: An International Journal, 16(2), 279-296. http://www.gbmrjournal.com/pdf/v16n2s/V16N2s-23.pdf.
Pinasti, U. S., & Achiria, S. (2024). The Effect of Financial Literacy and Financial Capability on the Interest in Social Investment-Based Cash Waqf Linked Sukuk Investment. Journal of Islamic Economics, Lariba, 10(2), 999-1020. https://doi.org/10.20885/jielariba.vol10.iss2.art20. DOI: https://doi.org/10.20885/jielariba.vol10.iss2.art20
Ramadhan, A. R., Azri, S. R., & Ridha, M R. (2023). Strategies and Innovations in the Management of ZISWAF Funds through Digital Platforms for Sustainable Community Development. Proceeding of the International Conference on Islamic Philanthropy, 1(1), 81 - 91. https://doi.org/10.24090/icip.v1i1.305. DOI: https://doi.org/10.24090/icip.v1i1.305
Ridho, H., Sodiqin, A., & Mujib, A. (2025). The Evolution of Islamic Philanthropy in Indonesia’s Digital Age (2016-2023). Al-Ahkam, 35(1), 31-58. https://doi.org/10.21580/AHKAM.2025.35.1.23721. DOI: https://doi.org/10.21580/ahkam.2025.35.1.23721
Risma, V. (2024). Manipulative Behavior of Beggers in Banda Aceh City. JUPSI: Journal of Indonesia Sociology Perspectives, 1, 72-89. https://jim.ar-rainy.ac.id/jupsi.
Rizki, H., & Utami, W. (2025). QRIS Adoption and Utilization: Examining Gen Z’s Digital Payment Behavior in Indonesia. Journal of Virtual Innovation, 8(1), 12-25. https://doi.org/https://scholarhub.ui.ac.id/jvi/vol13/iss1/7. DOI: https://doi.org/10.7454/jvi.v13i1.1233
Rohayati, M. I., Najdi, Y., & Williamson, J. C. (2016). Philanthropic Fundraising of Higher Education Institutions: A Review of the Malaysian And Australian Perspectives. Sustainability (Switzerland), 8(6), 541. https://doi.org/10.3390/su8060541. DOI: https://doi.org/10.3390/su8060541
Rohmana, Y., Juliana, J., Utami, S. A., Ismail, S., & Marlina, R. (2024). Factors Affecting Students’ Intention To Donate Cash Waqf: the Mediating Role of Literacy in Indonesia. ISRA International Journal of Islamic Finance, 16(1), 46-70. https://doi.org/10.55188/ijif.v16iS1.552. DOI: https://doi.org/10.55188/ijif.v16iS1.552
Sahabuddin, M., Muhammad, J., Yahya, M. H., Shah, S. M., & Alam, M. K. (2019). Digitalization, Innovation, and Sustainable Development: Evidence of Islamic Finance Perspective. International Journal of Asian Social Science, 9(12), 651-656. https://doi.org/10.18488/journal.1.2019.912.651.656. DOI: https://doi.org/10.18488/journal.1.2019.912.651.656
Sasongko, A. T., Ekhsan, M., & Fatchan, M. (2025). Dataset on Technology Acceptance in E-Learning: A PLS-SEM Analysis Using Extended TAM Among Undergraduate Students In Indonesia. Telematics and Informatics Reports, 18, 100192. https://doi.org/https://doi.org/10.1016/j.teler.2025.100192. DOI: https://doi.org/10.1016/j.teler.2025.100192
Susanti, D. O., Efendi, A., & Suhaimi, A. (2024). Characteristics of Sharia Crowdfunding as an Alternative to Financing the Development of the National Capital City. Yuridika, 39(3), 375-394. https://doi.org/10.20473/ydk.v39i3.46741. DOI: https://doi.org/10.20473/ydk.v39i3.46741
Syahrir, D. K., Wahyudi, I., Yunan, Z. Y., & Rahmawati, R. (2023). Leveraging Islamic Economic to Alleviate Poverty in Indonesia: A Promising Pathway. International Journal of Entrepreneurship and Business Management, 2(2), 98-112. https://doi.org/10.54099/ijebm.v2i2.797. DOI: https://doi.org/10.54099/ijebm.v2i2.797
Tan, Y., Jiang, G., Merajuddin, S. S., & Zhao, F. (2025). Analyzing the Impact of Digital Technology on Consumers’ Travel Intentions. Journal of Innovation & Knowledge, 10(2), 100685. https://doi.org/https://doi.org/10.1016/j.jik.2025.10068. DOI: https://doi.org/10.1016/j.jik.2025.100685
Tarsidi, D. Z., Suryadi, K., Budimansyah, D., & Rahmat, R. (2023). Social Media Usage and Civic Engagement Among Indonesian Digital Natives: An Analysis. Jurnal Civics: Media Kajian Kewarganegaraan, 20(2), 257-269. https://doi.org/10.21831/jc.v20i2.60812. DOI: https://doi.org/10.21831/jc.v20i2.60812
Tok, E., Yesuf, A. J., & Mohamed, A. (2022). Sustainable Development Goals and Islamic Social Finance: From Policy Divide to Policy Coherence and Convergence. Sustainability (Switzerland), 14(11), 6875. https://doi.org/10.3390/su14116875. DOI: https://doi.org/10.3390/su14116875
Triantoro, D. A., Wahyuni, T., & Purna, F. P. (2021). Digital Philanthropy: the Practice of Giving Among Middle to Upper-Class Muslims in Indonesia and Soft Capitalism. Qudus International Journal of Islamic Studies, 9(2), 315-350. https://doi.org/10.21043/qijis.v9i2.7814. DOI: https://doi.org/10.21043/qijis.v9i2.7814
Um, N. (2024). Antecedents and Consequences of Attitudes toward Donation-Based Crowd-Funding Platforms. Journal of Theoretical and Applied Electronic Commerce Research, 19(4), 2799-2812. https://doi.org/10.3390/jtaer19040135. DOI: https://doi.org/10.3390/jtaer19040135
Wibowo, A., Saptono, A., Narmaditya, B. S., Effendi, M. S., Mukhtar, S., Suparno, & Shafiai, M. H. M. (2024). Using the Technology Acceptance Model to Investigate Digital Business Intention Among Indonesian Students. Cogent Business and Management, 11(1). https://doi.org/10.1080/23311975.2024.2314253. DOI: https://doi.org/10.1080/23311975.2024.2314253
Wider, W., Tanucan, J. C. M., Wu, X., Mutua, C., Pang, N. T. P., Ling, G. H. T., & Cheisviyanny, C. (2023). The Role of Demographic Factors on Religious Beliefs: Evidence from Five Countries. F1000Research, 12(372), 372. https://doi.org/10.12688/f1000research.131998.1. DOI: https://doi.org/10.12688/f1000research.131998.1
Yu, J., Bekerian, D. A., & Osback, C. (2024). Navigating the Digital Landscape: Challenges and Barriers to Effective Information Use on The Internet. Encyclopedia, 4(4), 1665-1680. https://doi.org/10.3390/encyclopedia4040109. DOI: https://doi.org/10.3390/encyclopedia4040109
Yuniati, T., Andriansyah, Y., & Martins, J. D. M. (2024). Factors Influencing User Interest in Using Sharia-Compliant Fintech Services: A Case Study of SyarQ in Yogyakarta, Indonesia. Journal of Islamic Economics, Lariba, 10(1), 513-542. https://doi.org/10.20885/jielariba.vol10.iss1.art27. DOI: https://doi.org/10.20885/jielariba.vol10.iss1.art27
Zaborek, P., Napiórkowska, A., Grudecka, A., & Witek-Hajduk, M. (2024). Understanding Charitable Consumer Behavior on Digital Crowdfunding Platforms: Exploring the Influence of Cultural Values, Motivations, and Platform Attitudes. Journal of Nonprofit and Public Sector Marketing, 37(5), 756-795. https://doi.org/10.1080/10495142.2024.2416202. DOI: https://doi.org/10.1080/10495142.2024.2416202
