Influence of Consumers Knowledge to Shadaqah Paying Decision at Baitul Maal Unisba

- Shadaqah has a very important role to every human when we leave this world, therefore moslem community build a foundation to take care of their shadaqah from Muzaki. Unisba as an Islamic University, also have organization to collect, manage, and allocate funding from shadaqah, named Baitul Maal of Unisba. There are 419 lecturers and employees in Unisba but there are only 27% from them who decide to become muzzaki at Baitul Maal of Unisba. On average, the Collected Fund at Baitul Maal of Unisba per month is only as many as Rp 3.000.000,-. Researchers assumed that it caused by lack of consumers knowledge about Baitul Maal of Unisba programs. Consumers knowledge consists of attributes, benefit, and satisfaction to the products or services. A total of 30 questionnaires from offline surveys has been analysed using “several statistical analysis”, including multiple regression. Result of this research shows us that satisfaction to the products or services is the most dominant variable that influence lecturers and employees to become muzzzaki at Baitul Maal of Unisba.


INTRODUCTION
The decision making to be a Muzakki to paying the zakah has been the crucial issue in Bandung Islamic University. Many of faculty member denial to be of Muzakki in Unisba although they understand the compulsory of zakah as mentioned in Islam's pillar. This phenomenon showed by the number of muzakki and the number of zakah compares to the Unisba faculty members. This paper to be urgent research because Unisba as one of the Islam University in Bandung with Islam culture should be holding zakah as one of the Islam compulsory. This study also should be a good recommendation to BaitulmaalUnisba to promote their muzakki's program.
The research about the decision making to be a Muzakki to paying a zakah has conducted by (Huda et.al, 2012) which analysis the muzakki's using The Planned Behavior of (Ajzen, 1988). They found that the muzakki's intention variable influenced by attitudes and control behavior, but the subjective norm do not. Otherwise, (Heikal et al., 2014) found that the subjective norms, perceived behavioral control and past behavior have a significant effect, they also found that past behavior having dominant effect and attitude has the least impact on the intention to paying zakah.
The problem investigated in this study how BaitulmaalUnisba socialize zakah to the faculty member, how the faculty members know zakah in BaitulmaalUnisba, how is decision making of the faculty member to be a muzakki, and the influenced of consumers knowledge to be a muzakki in BaitulmaalUnisba.
Zakah as one of the Islam's pillars which mention on some verse in Al Quran. It is one of the responsibility for the Muslim to helping each other. According to the Al Quran (At Taubah:60), the categories of zakah consists of: beggar, poor, zakah collectors, Muallaf (a Muslim who recently converted into Islam), emancipated the slave, debtors, fisabilillah (people who fight in Allah), and wayfarers. (Samad and Glenn, 2010) compare the zakah according to the three major religions: Judaism, Christianity, and Islam. On Judaism and Christianity, zakah was purely voluntary as a measure to devote and support the society. In Islam, zakah mentioned to be more specified as mention on Al Quran.
In many literature, there are many definitions of zakah. According to Al Quran (At Taubah: 34), zakah called by infaq, essentially zakah is the wealth submission for the goodness because of God commands. Then, zakah called by shadaqah (At Taubah:60& 103), because one of the zakah function is to tawarruh (closer) to the God. The last, zakah called as haq because of zakah is the compulsory from God for people who deserve it.
Otherwise, (Askari and Taghavi, 2005) define zakah as the charity tax which calculated according to the level of the net worth, it is earnings from the people who can earn more than they can pay.
Different with infaq and shadaqah, zakah is the compulsory and voluntary social expenditure from the other Muslim to help each other, but infaq and shadaqah are donates beyond zakah requirements.
One of the influenced factors of decision purchasing is consumer knowledge. Consumer knowledge is all information regarding to many of product and services, and other knowledge about their function as a consumer.

RESULT ANDDISCUSSION
A total of 30 questionnaires were distributed. The respondents consisted of various age groups and level of education. 3.70 percent of the respondents were at tge ages of 25 years and below, 3.70% between the ages of 26-35 years, 18.52% between 115 the ages of 36-45, and 74.07% were at the ages of 45 years and above.
Respondents' level of education was as follolws: 11.11% had a high school education, 18.52% had a bachelor's degree, 11.11% had a doctoral degree, and 59.25% had a master degree. 33.33% of the respondents came from employee of unisba, 11.11% came from the DPK lecturers, and 55.55% came from the lecturers of unisba.
Regression analysis were used to test the proposed hypotheses. This study has one dependent variable and three The table above, represens the results of the regression analyses. The coefficient of R square is 0.503 indicating that all independent variables account for 50.3% of the variance in consumers knowledge of decision to pay shadaqah. The results of multiple regression analyses show that attribut, benefit, andsatisfaction are significant predictors of decision to pay shadaqah. These findings support one hypothesis (H1). The results also show insufficient evidence for support another hypothesis (H0), suggesting that consumers knowledge has no influence to decision for paying shadaqah.

CONCLUSION
Consumers have a lot of considerations before deciding to take action to pay for something. It is not only happen in buying product or taking services, but also happen in paying some obligation. According to previous researches, consumers knowledge has important role to influence consumers decision to pay for their obligation.
In this case, we did some observations through questionnaires, to know what factor that most influencing consumers by breaking down the consumers knowledge into three sub variable (attributes, benefits, and satisfactions) to pay shadaqah in baitul maal of unisba.
The results of this reserach by using multiple regression analyses, shows that satisfaction variable has the highest influence to decision to pay shadaqah at Baitul Maal of Unisba.