• Muhammad Amir Syazwan Mohd Sayuthi UNIVERSITI MALAYSIA SABAH
  • Hani Amirah Juisin




This study applies the ASE model which examines the effects of attitude, social influence and self-efficacy towards intention behaviour to pay zakat on gold among working adults in Federal Territory, Malaysia. Apparently, the current study was implemented due to the trend in gold investment and the zakat imposed on such investment increased, but the scope of the study was limited. As a preliminary study, 50 respondents participated in an online questionnaire survey that was issued in November 2021. The data survey was analyzed using the structural equation modelling (SEM) approach. The results revealed that attitude and self-efficacy have a significant relationship to the intended behaviour of gold zakat payment among working adults in Kuala Lumpur, Selangor, Putrajaya and Labuan. Unlike, social influence was found an insignificant effect on intention behaviour to pay zakat on gold. Hence, the obtained results may be relevant to provide zakat institutions with new insights into factors determining zakat payment on gold specifically in Federal Territory, Malaysia and thus can contribute to studies that are related to the ASE model.


Download data is not yet available.


Abdul Wahab, A. F., Abdul Rahim, H., Sabri, M. F., Othman, M. A., & Mohd. Rasdi, R. 2014. Gold investment intention among urban public sector employees in malaysia. Malaysian Journal of Consumer and Family Economics 101–114.

Abu Bakar, N. B., & Rashid, H. M. A. 2010. motivations of paying zakat on income: evidence from Malaysia. International Journal of Economics and Finance 2(3): 76–84.

Agha, S. E., Saafi, A. R., & Qayoom, O. A. 2015. Gold investment from Islamic perspective: The case of Malaysia. International Journal of Economics and Finance.

Ajzen, I. 1991. The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes 179–211.

Ajzen, I. 2002a. Perceived behavioral control, self-efficacy, locus of control, and the theory of planned behavior. Journal of Applied Social Psychology 32: 665–683.

Al-Qardawi, Y. 2000. Fiqh al zakah 2: 1–369.

Amin, H. 2016. Willingness to open islamic gold investment accounts. Journal of Internet Banking and Commerce 21(1): 1–17.

Bandura, A. 1986. Social foundations of thought and action: A social cognitive theory. Prentice Hall, New York.

Bandura, A. 1998. Health promotion from the perspective of social cognitive theory. Psychology and Health 13: 623–649.

Brug, J., Debie, S., van Assema, P., & Weijts, W. 1995. Psychosocial determinants of fruit and vegetable consumption among adults: Results of focus group interviews. Food Quality and Preference 6(2): 99–107.

Cohen, J. 1988. Statistical power analysis for the behavioral sciences. 2nd edition. Hillsdale, NJ: Lawrence Erlbaum Associates: Publishers.

De Vries, H., Backbier, E., Dijkstra, M., Van Breukelen, G., Parcel, G., & Kok, G. 1994. A dutch social influence smoking prevention approach for vocational school students. Health Education Research 9(3): 365–374.

De Vries, H., & Mudde, A. N. 1998. Predicting stage transitions for smoking cessation applying the attitude-social influence-efficacy model. Psychology and Health 13(2): 369–385.

Fishbein, M., & Ajzen, I. 1975. Belief, attitude, intention and behavior: An introduction to theory and research. Addison-Wesley: Reading, MA.

Franke, G., & Sarstedt, M. 2019. Heuristics versus statistics in discriminant validity testing: A comparison of four procedures. Internet Research 29(3): 430-447.

Fornell C & Larcker F D. 1981. Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research 18(1): 39–50.

Gijsbers, B., Mesters, I., Knottnerus, J. A., & Van Schayck, C. P. 2006. Factors associated with the initiation of breastfeeding in asthmatic families: the attitude-social influence-self-efficacy model. Breastfeeding Medicine: The Official Journal of the Academy of Breastfeeding Medicine 1(4): 236–246.

Hair, J. F., Sarstedt, M., & Ringle, C. M. 2019. Rethinking some of the rethinkings of partial least squares. European Journal of Marketing 53(4): 566–584.

Henseler, J., Ringle, C., & Sarstedt, M. 2015. A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science 43(1): 115-135.

Juisin, H. A., & Amin, H. 2020. Receptiveness of gold accumulation program in Malaysia: An empirical investigation. Labuan Bulletin of International Business and Finance (LBIBF) 18(1): 96–109.

Keong, Y. W. 2019. Factors influencing bank officers into recommending financial products to SMEs: A literature review. International Journal of Innovation and Business Strategy (IJIBS) 12(2): 1–26.

Khaing, A. M., Ameen, A., & Isaac, O. 2019. Analysis of consumption habit on safety and healthy foods at school’ canteens of basic education schools: A qualitative study on factors that influence students’ food choice. International Journal of Management and Human Science 3(3): 12–25.

Kock, N. 2015. Common method bias in PLS-SEM: A full collinearity assessment approach. International Journal of e-Collaboration 11(4): 1-10.

Kock, N., & Lynn, G. S. 2012. Lateral collinearity and misleading results in variance-based SEM: An illustration and recommendations. Journal of the Association for Information Systems 13(7): 546-580.

Lechner, L., & De Vries, H. 1995. Participation in an employee fitness program: Attitudes, social influence, and self-efficacy.

Lee, Y. & Kozar, K.A. 2008. An empirical investigation of anti-spyware software adoption: A multitheoretical perspective. Information & Management 2(45): 109-119.

Lee, Y. C., & Wu, W.-L. 2018. Factors in cyberbullying: The attitude-social influence-efficacy model. Anales de Psicología 34(2): 324.

Mohd Khalil, N., Amin, H., & Azman, N. S. 2020. Compliance intention to pay zakat on salary. International Journal of Zakat 5(2): 37–50.

Othman, Y., Yusuff, M. S. S., & Abd, M. F. 2021. A re-examination of the effect of attitude, religiosity, self-efficacy, and moral obligation on the compliance behavior of income zakat. Journal of Contemporary 27: 6321–6329.

Prochaska, J. O. & DiClemente, C. C. 1983. Stages and processes of self-change in smoking: toward an integrative model of change. Journal of Consulting and Clinical Psychology (51): 390-395.

Ramayah, T., Cheah, J., Chuah, F., Ting, H., & Memon, M. A. 2018. Partial least squares structural equation modeling (pls-sem) using smartpls 3.0: An updated guide and practical guide to statistical analysis. 2nd edition. Kuala Lumpur, Malaysia: Pearson.

Ringle, C. M., Wende, S., & Becker, J.-M. 2015. "SmartPLS 3." Boenningstedt: SmartPLS GmbH, http://www.smartpls.com

Sandvik, C., Gjestad, R., Brug, J., Rasmussen, M., Wind, M., Wolf, A., Pérez-rodrigo, C., De, I., Samdal, O., & Klepp, K. 2007. The application of a social cognition model in explaining fruit intake in Austrian, Norwegian and Spanish schoolchildren using structural equation modelling. International Journal of Behavioral Nutrition and Physical Activity.

Saygılı, M., Durmuşkaya, S., Sütütemiz, N., & Ersoy, A. Y. 2022. Determining intention to choose Islamic financial products using the attitude–social influence–self-efficacy (ASE) model: The case of Turkey. International Journal of Islamic and Middle Eastern Finance and Management.

Sekaran, U. and Bougie, R. 2016. Research methods for business: A skill-building approach. 7th edition. John Wiley & Sons: Haddington.

Sullivan, G. M., & Feinn, R. 2012. Using Effect Size - or why the p value is not enough. Journal of Graduate Medical Education 4(3): 279–282.

Van Es, S. M., Kaptein, A. A., Bezemer, P. D., Nagelkerke, A. F., Colland, V. T., & Bouter, L. M. 2002. Predicting adherence to prophylactic medication in adolescents with asthma: An application of the ASE model. Patient Education and Counseling 47(2): 165–171.

Van Es, S. M., Nagelkerke, A. F., Colland, V. T., Scholten, R. J. P. M., & Bouter, L. M. 2001. An intervention programme using the ASE model aimed at enhancing adherence in adolescents with asthma. Patient Education and Counseling 44(3): 193–203.

Weinstein, I. B. 1988. The origins of human cancer: Molecular mechanisms of carcinogenesis and their implications for cancer prevention and treatment—twenty-seventh G. H. A. clowes memorial award lecture. Cancer Research 48(15): 4135–4143.




How to Cite

Mohd Sayuthi, M. A. S., & Juisin, H. A. (2022). FACTORS DETERMINING ZAKAT PAYMENT ON GOLD AMONG WORKING ADULTS IN FEDERAL TERRITORY, MALAYSIA: A PRELIMINARY STUDY. International Journal of Islamic Economics and Finance Research, 5(2 December), 24-35. https://doi.org/10.53840/ijiefer72