Ziswaf Digitalization Gap in Indonesia (2022–2024): Systematic Analysis and Strategic Framework for Islamic Social Financial Institution Strengthening

Authors

  • Ovita Apriyani Universitas Islam Negeri Fatmawati Sukarno Bengkulu

DOI:

https://doi.org/10.30651/jms.v11i3.31523

Abstract

Islamic Social Financial Institutions (LKSI), encompassing zakat, infaq, sadaqah, and waqf (ZISWAF), play a strategic role in economic empowerment across Indonesia. Amid accelerating digital transformation, LKSI is increasingly required to adapt quickly and systematically. This study aims to: (1) analyze the current condition of LKSI based on verified data for 2022–2024; (2) comprehensively map the challenges and opportunities of digital transformation; and (3) formulate adaptive and sustainable institutional strengthening strategies. Employing a Systematic Literature Review (SLR) with PRISMA protocol, data were gathered from official BAZNAS and BWI reports and 18 verified national and international journal articles. Findings indicate that national zakat potential reaches IDR 327 trillion annually, yet 2023 collection reached only IDR 32.3 trillion (±10%). In the waqf sector, accumulated cash waqf stands at IDR 2.23 trillion out of an estimated IDR 180 trillion annual potential. This gap stems from weak ZISWAF literacy, insufficient data integration, and unadaptive regulation. Digitalization creates opportunities through sharia fintech and blockchain-based transparency. This study recommends four strategies: sharia fintech integration, blockchain governance, digital ZISWAF literacy, and inter-institutional synergy.

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Published

2026-05-24

How to Cite

Ovita Apriyani. (2026). Ziswaf Digitalization Gap in Indonesia (2022–2024): Systematic Analysis and Strategic Framework for Islamic Social Financial Institution Strengthening. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(2). https://doi.org/10.30651/jms.v11i3.31523

Issue

Vol. 11 No. 2 (2026)

Section

Artikel

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