DETERMINAN PERILAKU MEMBAYAR ZAKAT DI BANK SYARIAH: ANALISIS PERAN RELIGIUSITAS, TRANSPARANSI, DAN KEPUASAN NASABAH
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Abstract
Permasalahan utama zakat di seluruh dunia adalah minimnya angka penghimpunan yang mengakibatkan rendahnya sokongan terhadap fakir miskin. Salah satu solusi permasalahan tersebut adalah peningkatan peran publik dalam membayar zakat di bank syariah. Studi ini bertujuan untuk memprediksi perilaku membayar zakat di bank syariah melalui peran religiusitas, transparansi, dan kepuasan nasabah. Studi ini menganalisis 200 nasabah bank syariah menggunakan SEM-PLS (Structural Equation Modelling- Partial Least Square). Berdasarkan temuan empiris, religiusitas dan transparansi berhasil memprediksi perilaku membayar zakat baik secara langsung maupun melalui peran faktor kepuasan. Secara akademik, studi ini mengimplikasikan perluasan wawasan tentang perilaku nasabah bank syariah. Secara praktis, studi ini mengimplikasikan pentingnya peningkatan edukasi keagamaan bagi nasabah, peningkatan keterbukaan informasi, dan peningkatan pelayanan yang memuaskan.
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