Analisis Efektivitas Platform Digital untuk Pengumpulan Zakat dan Infaq Perspektif Syariah dan Ekonomi
DOI:
https://doi.org/10.30651/jms.v10i3.24731Abstract
Abstrak
Penelitian ini bertujuan untuk menganalisis efektivitas penggunaan platform digital dalam pengumpulan zakat dan infaq dari perspektif syariah dan ekonomi. Dengan meningkatnya adopsi teknologi finansial (fintech), berbagai platform digital kini digunakan sebagai alat untuk memfasilitasi transaksi keuangan syariah, termasuk zakat dan infaq. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi literatur, wawancara dengan pakar syariah dan ekonomi, serta analisis data sekunder dari platform pengumpul zakat terkemuka. Hasil penelitian menunjukkan bahwa dari perspektif syariah, platform digital secara umum telah memenuhi prinsip-prinsip syariah, seperti transparansi, akuntabilitas, serta keadilan dalam penyaluran dana. Namun, terdapat tantangan dalam memastikan keamanan data pengguna dan validitas penyaluran dana secara tepat sasaran. Dari perspektif ekonomi, platform digital terbukti mampu meningkatkan efisiensi dalam pengumpulan zakat dan infaq, memperluas jangkauan donatur, serta mengurangi biaya operasional lembaga amil zakat (LAZ). Penggunaan teknologi juga meningkatkan partisipasi masyarakat dalam pembayaran zakat dan infaq secara rutin. Kesimpulan penelitian ini menegaskan bahwa platform digital memiliki potensi besar dalam optimalisasi pengumpulan zakat dan infaq. Namun, diperlukan peningkatan regulasi dan edukasi masyarakat agar teknologi ini dapat dimanfaatkan secara lebih efektif, aman, dan sesuai dengan prinsip syariah.
Kata kunci: zakat, infaq, platform digital, syariah, ekonomi
Abstract
This study aims to analyze the effectiveness of using digital platforms for the collection of zakat and infaq from a sharia and economic perspective. With the increasing adoption of financial technology (fintech), various digital platforms are now utilized as tools to facilitate sharia-compliant financial transactions, including zakat and infaq. The research employs a qualitative approach through literature review, interviews with sharia and economic experts, and secondary data analysis from leading zakat collection platforms.The findings indicate that, from a sharia perspective, digital platforms generally adhere to key sharia principles, such as transparency, accountability, and fairness in fund distribution. However, challenges remain in ensuring user data security and the accurate allocation of funds to the intended recipients. From an economic perspective, digital platforms have proven to enhance efficiency in zakat and infaq collection, expand donor reach, and reduce operational costs for zakat management organizations (LAZ). The use of technology also increases community participation in regular zakat and infaq payments. In conclusion, the study emphasizes that digital platforms have significant potential to optimize zakat and infaq collection. However, further regulation and public education are needed to ensure the technology is used more effectively, securely, and in accordance with sharia principles.
Keywords: zakat, infaq, digital platforms, syari’ah, economics
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