TRANSFORMASI WAKAF UANG MELALUI CROWDFUNDING: TINJAUAN PUSTAKA SISTEMATIS INKLUSI KEUANGAN DIGITAL DI INDONESIA (2020-2025)

Authors

  • jasmine_farikhakumala01 Universitas Islam Negeri Sunan Ampel Surabaya

DOI:

https://doi.org/10.30651/jms.v11i3.31661

Abstract

Abstrak

Perkembangan teknologi finansial mendorong trasformasi pengelolaan wakaf uang di Indonesia menjadi sistem yang lebih transparan, inklusif dan dapat diakses dengan mudah. Crowdfunding syariah menjadi salah satu inovasi yang meningkatkan keterlibatan masyarakat dalam penghimpunan dana sosial islam, khususnya wakaf uang. Di sisi lain, tantangan tingkat inklusi keuangan syariah masih berupa literasi yang rendah, regulasi yang terfragmentasi, serta pengoptimalan platform digital. Penelitian ini bertujuan untuk menganalisis perkembangan studi ilmiah tentang transformasi wakaf uang ke crowdfunding sebagai instrumen inklusi keuangan syariah yang berbasis teknologi di Indonesia antara tahun 2020-2025. Pendekatan yang diterapkan adalah penelitian kualitatif dengan metode Systematic Literature Review (SLR), melalui proses identifikasi, seleksi, evaluasi, dan sintesis artikel ilmiah yang berkaitan dari berbagai basis data akademik. Hasil penelitian diharapkan membuktikan bahwa integrasi wakaf uang dengan crowdfunding syariah dapat memperluas akses masyarakat terhadap layanan keuangan sosial syariah, meningkatkan transparansi dalam pengelolaan dana, serta mendukung pembangunan ekonomi yang berkelanjutan. Meskipun begitu, penguatan regulasi, literasi digital, dan kolaborasi antar lembaga diperlukan agar implementasinya menjadi lebih efektif.

 

Kata kunci: Wakaf uang, Crowdfunding syariah, Inklusi keuangan, Fintech syariah.

 

Abstract

The development of financial technology has driven the transformation of cash waqf management in Indonesia into a system that is more transparent, inclusive, and easily accessible. Sharia crowdfunding has emerged as an innovation that enhances public participation in the collection of Islamic social funds, particularly cash waqf. On the other hand, challenges in the level of Islamic financial inclusion persist, including low literacy, fragmented regulations, and the need to optimize digital platforms. This study aims to analyze the development of scientific studies on the transformation of cash waqf into crowdfunding as a technology-based Islamic financial inclusion instrument in Indonesia between 2020-2025. The approach applied is qualitative research using the Systematic Literature Review (SLR) method, through the processes of identification, selection, evaluation, and synthesis of relevant scientific articles from various academic databases. The results of this study are expected to demonstrate that the integration of cash waqf with Sharia crowdfunding can expand public access to Islamic social financial services, enhance transparency in fund management, and support sustainable economic development. Nevertheless, strengthening regulations, digital literacy, and inter-institutional collaboration is necessary to ensure more effective implementation.

Keywords: Cash waqf, Sharia crowdfunding, Financial inclusion, Islamic fintech.

Published

2026-06-04

How to Cite

jasmine_farikhakumala01. (2026). TRANSFORMASI WAKAF UANG MELALUI CROWDFUNDING: TINJAUAN PUSTAKA SISTEMATIS INKLUSI KEUANGAN DIGITAL DI INDONESIA (2020-2025). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(3). https://doi.org/10.30651/jms.v11i3.31661

Issue

Vol. 11 No. 3 (2026)

Section

Artikel

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