Inovasi Produk Filantropi Syariah: Analisis Potensi dan Tantangan di Era Digital
DOI:
https://doi.org/10.54783/jemba.v1i3.65Keywords:
Fintech, Filantropi Syariah, ZISWAF, Inklusi Keuangan, Crowdfunding SyariahAbstract
Pemanfaatan teknologi finansial (fintech) dalam filantropi Islam, khususnya zakat, infaq, sadaqah, dan wakaf (ZISWAF) di era digital, dibahas dalam kajian ini. Sebelumnya terkendala oleh kendala administratif dan geografis, fintech menyediakan aksesibilitas, transparansi, dan efisiensi dalam pengelolaan dana filantropi Islam. Solusi inovatif seperti dompet elektronik, aplikasi seluler, dan platform crowdfunding berbasis syariah memungkinkan partisipasi masyarakat yang lebih besar, yang meningkatkan kesadaran sosial dan inklusi keuangan. Kendala utama dalam penggunaan fintech dalam filantropi syariah juga dicatat dalam kajian ini, seperti persyaratan hukum yang ketat untuk menegakkan kepatuhan syariah dan rendahnya tingkat kesadaran keuangan digital masyarakat. Temuan menunjukkan bahwa fintech memiliki potensi yang signifikan untuk memperluas kemanjuran dan cakupan filantropi Islam di Indonesia, yang pada akhirnya mendorong kesejahteraan sosial dan pembangunan ekonomi masyarakat.
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