TRANSFORMATION OF THE ROLE OF TECHNOLOGY IN THE COLLECTION AND
DISTRIBUTION OF SOCIAL FUNDS
Kharisma Putri Kartini1, Safrina Muarrifah2
State Islamic University
Email:
[email protected]1, [email protected]2
|
Abstract |
|
Digitalization of zakat
and waqf is an innovation that has great potential to encourage the
empowerment of the people. Through literature analysis and case studies, this
research explores the role of zakat and waqf in Islam, the development of
their digitalization in Indonesia, and how this innovation helps in the
process of empowering the Ummah. This study aims to examine the
transformation of the role of technology in the collection and distribution
of social funds, especially related to the digitalization of zakat and waqf
in Indonesia. The formulation of this research problem is focused on how
digital technology has changed the way zakat and waqf are collected and
distributed, as well as its impact on the effectiveness and efficiency of
this process. The method used is descriptive analysis, where data and
information are collected through relevant literature studies, as well as
observations of the implementation and current practices of digitalizing
zakat and waqf in Indonesia. Although there are challenges, such as the need
to increase digital literacy and transparency, digitalization can be an
essential force in maximizing the distribution and effectiveness of zakat and
waqf. Solutions and steps that can be taken to overcome these challenges are
also discussed. Therefore, collaboration between the government, financial
institutions and zakat and waqf management organizations is essential in
realizing the full potential of this digitalization. Keywords: Digitalization,
Community Empowerment, Zakat, Waqf, Innovation. |
In Indonesia, the potential
for cash waqf is vast, from the "less" to "sufficient"
category in the period of one year from 2021 to 2022, which is estimated to
reach IDR 188 trillion per year. However, the recorded realization still needs
to be improved, namely only around IDR 831 billion or less than 0.5%. In
response to this, the Indonesian Waqf Board (BWI) has proactively launched
various digital platforms such as berkahwakaf.id, Sahabatbwi.com, and
e-services, which aim to facilitate and optimize waqf management. Furthermore,
BWI took innovative steps by developing the Cash Waqf Linked Sukuk (CWLS)
instrument, which allows the placement of waqf endowment funds in national
strategic projects, with several higher education institutions such as ITS and IPB
having participated as institutional wakif. As an effort to increase
transparency and accountability, BWI has also released the National Waqf Index
(IWN), which shows the improvement in waqf management performance in Indonesia.
Enhancing digitalization has brought significant
change to the zakat and waqf sectors. Various zakat and waqf institutions have
utilized technology in the collection and distribution of funds, creating
innovation and empowering people (Thamrin et al., 2021). Note that BWI did a digital transformation to strengthen
ecosystem development at the national level. Apart from that, (Yuliar, 2021) confirms that "a digital era funding strategy must be in line with
spirit revolutionary characterized by industry 4.0 digital-based". Thus,
digitalization gives the opportunity to strengthen the zakat and waqf sectors
and have more impact big on empowering people.
Zakat and waqf are two critical pillars in Islam that
contribute significantly to the well-being of people. Draft significant others
in Islam are infaq and sadaqah, which contribute to the well-being of people.
Zakat and waqf are often highlighted in a particular way because of the
difference in terms and focus. Zakat, as one of the five pillars of Islam, is
obligatory worship for every Muslim to channel part of his property to those
who are entitled to accept it. Waqf, temporary It is a possible form of social
worship in which somebody donates part or all over his property for the
interest of the public. Although No one owns the same obligations as zakat,
infaq and sadaqah still give Muslims a donation in a way, volunteer a form of
kindness and social solidarity. In the context of well-being, people, every
type of donation. This is considered an effort To
increase the well-being of the public. Zakat and waqf contribute to reducing
social and economic inequality. No one can see the adjacent eye. Digital transformation
noted by (Thamrin et al., 2021) in BWI and (Yuliar, 2021) in organizations, the zakat manager pointed out How
the role is. This Can improved through innovation. Technology gives an
opportunity to maximize the potential for zakat and waqf in building more
economically inclusive and equitable.
The history and traditions of zakat and waqf in
Indonesia are rooted firmly and become an integral part of life for the public.
Zakat, as the fifth pillar of Islam, has been practiced since the introduction
of Islam in the archipelago. Meanwhile, waqf, which is less well-known compared
to zakat, has a critical role in building social and educational
infrastructure, such as mosques, huts, and boarding schools. In the past, zakat collection
and distribution were often carried out individually or through local religious
institutions. However, with advances in technology and digital transformation,
there have been significant changes in the way zakat and waqf are collected and
distributed. As shown by (Thamrin et al., 2021), the Indonesian Waqf Board
(BWI) has carried out digital transformation to strengthen the national waqf
development ecosystem.
Meanwhile, zakat management
organizations, as explained by (Yuliar, 2021), have implemented digital
funding strategies that are in line with the revolutionary spirit of Industry
4.0. This includes the use of social media to communicate with donors and raise
funds (Ningtias & Nadya, 2022). Zakat and waqf traditions have survived and thrived
along with time, capable of adapting to changes and new challenges.
Digitalization, in this matter, has opened new opportunities in the management
of zakat and waqf, expanding reach and effectiveness in realizing the
well-being of people. Digitalization of zakat and waqf is still the same as
their evolution of them. However, just half new in history, they are in
Indonesia.
Although social funds from zakat and waqf have Lots of
potential in Indonesia, there is still little research that studies in a way
comprehensive influencing factors awareness of majority Muslim Contributions,
as well as lack of understanding about hindering obstacles to effective
collection and distribution of social funds. There are some cases where,
because the majority of Muslims have No awareness, potential significant social
funds from zakat and waqf are Not yet fully utilized. However, people often need
to understand the most efficient way To collect and
distribute social funds, which causes differences between the potency available
and uses that are not yet maximum.
To investigate the factors that influence the
awareness of the Muslim majority in Indonesia to contribute zakat and waqf. In
addition, the aim of this research is to find barriers that impede the
collection and distribution of social funds from zakat or waqff.
The study focuses on a deep understanding of the factors which influence Muslim
community awakening as well as barriers which impede social fund collecting and
distributing. The research also tries to provide new insights into how
effective the collections and distributors of the social fund. This research is
expected to enhance the understanding of Muslims about the importance of zaka and waqqf and help to
address the challenges that may impede full utilization of the potential of
such funds. With a better understanding, it is hoped to improve the efficiency
and efficiency of the management of such social fund for the well-being of the
society as a whole.
The research was conducted using descriptive
qualitative methodology. The research will gather data from relevant literature
about zakat and waqf in Indonesia. The data will be analyzed in a descriptive
way, focusing on explaining and describing the factors that influence the Muslim
community's awareness of giving zakat or waqf contributions as well as the
challenges associated with the collection and distribution of social funds. The
first step involves identifying relevant literature. Subsequently, the relevant
data will be collected and analyzed thoroughly. Descriptive analysis will be
carried out to provide a complete overview of the components and challenges
found in the literature; the analysis results will be used to improve
understanding of zakat and waqf in Indonesia, provide a new understanding of
the problems that may be faced by Muslim communities, and show possible
solutions to improving the collection and distribution of social funds. It is
expected that these descriptive qualitative methods can provide a thorough and
comprehensive overview of research topics without relying on statistical data.
1. "Digitalization of Zakat and Waqf: A Step
Forward Towards the Modern Era"
����������� The
history of the development of traditional waqf in the Islamic world reflects
humanity's journey in giving charity and contributing to social welfare.
Traditional waqf, deeply rooted in Islamic tradition, has been an integral part
of the social and economic structure of Muslim societies for centuries. During
the time of Rasulullah SAW, the concept of waqf was introduced and implemented.
One of the most famous examples is waqf land by Uthman bin Affan for interest
general (Yahaya et al., 2022).
Since that moment, waqf has become an instrument important in the development
of infrastructure, such as mosques, madrasas, homes, and libraries. During the
period of Islamic gold, waqf played an role important
in funding education and research. Many universities and centers of study
founded and financed through waqfs, such as Al-Qarawiyyin University in Fez,
Morocco, are recognized as the oldest university in the world (Syaifullah & Idrus, 2019).
Waqf also supports the development of infrastructure health, with the
establishment of funded hospitals and clinics through waqf funds.
����������� In the Indonesian context, waqf has
become part of the traditional social and religious public since the entry of
Islam. Land-land waqf lots are used for the construction of mosques, Islamic
boarding schools, and social facilities. Traditional waqf in Indonesia, as in
many other Muslim countries, is typically managed by the institution or
individuals who are trusted by society (Saputra & Hadi, 2023).
So, the historical development of waqf traditionally reflects the commitment of
Muslims to contribute to the well-being of society and shows How waqf has
become an instrument important in the development of social and economic Muslim
society over centuries. The development of the digitalization of zakat and waqf
in Indonesia shows a step in the modernization of the management of
socio-religious funds. The
digital era opens the door to innovation and significant changes in the way
zakat and waqf are collected, distributed and reported.
����������� The
digital transformation carried out by the Indonesian Waqf Board (BWI), as
explained by (Wardani Wahyu, 2020), includes three critical stages. This stage includes
efforts to strengthen the national waqf ecosystem so that it becomes more
flexible, developed and strengthened. In this process,
BWI utilizes digital technology to maximize potency waqf. Zakat management organizations are also included in
implementing digital strategies. (Yuliar, 2021) shows that digital-era funding must be in line with
the revolutionary spirit of Industry 4.0, whose main characteristic is
digital-based. One example of this strategy is the use of social media, such as
Instagram by Rumah Zakat Banda Aceh, to communicate with donors (Nazah, 2022).
����������� Digitalization
has also influenced how people participate in zakat and waqf. A study by (Budiansyah and El
Ayyubi, 2021) revealed that factors such as quality of information,
service, trust, website quality, and promotion have a significant influence on
encouraging waqif participation in online waqf.
The digitalization
of zakat and waqf has opened up new opportunities and challenged old
traditions. However, the main goal remains the same: to realize the welfare of
the people. This step shows how important adaptation and innovation are in
responding to challenges and opportunities in the modern era.
The digitalization
of zakat and waqf is a significant advancement towards the contemporary
era. Zakat, waqf, infaq and alms can be included in the mobile banking feature
to make it easier for people to do charity. With this feature, users can easily
manage and conduct charity transactions electronically, which increases the
accessibility and effectiveness of religious fundraising. In addition, matters
that can be discussed include transaction security, real-time monitoring, and
ease of access for an increasingly connected digital society.
����������� In
recent years, various innovations and digital platforms have emerged that make
it easier to manage and distribute zakat and waqf. One example of this
innovation is the implementation of digital transformation by the Indonesian
Waqf Board (BWI). BWI has designed three stages of digital transformation to
improve the waqf digital ecosystem. This transformation is expected to make the
waqf ecosystem more flexible, developed and robust, as well as have a double
impact on the national economy (Thamrin et al., 2021).
����������� Apart
from that, research by (Efendi Maika, 2020) also shows that funding strategies in the digital era
must be in line with the revolutionary spirit of Industry 4.0, which focuses on
digitalization. This concept has been applied by zakat management organizations
in fund collection efforts. For example, Rumah Zakat Banda Aceh has used social
media as a means of communication with donors. In this case, they use Instagram
as the central platform for interaction with donors and collecting funds (Amaliyah et al., 2022). This social media allows them to reach a wider
audience and facilitates direct interaction with donors, ultimately
contributing to more effective fundraising.
����������� Meanwhile,
(Budiansyah et al.,
2021) found that various factors, including the quality of
information, service, trust, website quality, and promotion, influence waqif
participation in online waqf. Therefore, digital platforms used for online waqf
must pay attention to these factors to achieve maximum levels of participation.
Various online platforms are now available to facilitate waqf, including
websites and mobile applications that allow waqifs to contribute from anywhere
and at any time.
����������� All
these innovations and platforms show how digitalization has opened up new
opportunities in managing zakat and waqf. By utilizing technology and digital
platforms, these organizations can be more effective in achieving their goals
of realizing the welfare of the people. Digitalization of
zakat and waqf involves the use of digital platforms and technology to make the
management of religious funds more efficient. A number of innovations include
mobile banking applications, technology payment electronics, real-time monitoring,
crowdfunding platforms, and data analysis. Zakat and waqf organizations can
apply innovation like This For optimizing fund management, achieving objective
well-being of people, and improving clarity about how religious funds are used.
Digital Waqf Platform
����������� In
recent years, various digital waqf platforms have emerged and offer various
features that make it easier for wakifs (people who have waqf) to donate. Several
popular digital waqf platforms, among others:
The digital waqf mechanism generally involves several
steps:
.
����������� The superiority of digital waqf is
the convenience. Wakif does not need to come directly to the institution waqf;
however, they can donate anywhere. Additionally, with an integrated system,
digital waqf guarantees transparency and accountability in the management of
waqf funds.
Advantages
and Efficiency of Digital Waqf
����������� Digital waqf, as an innovation in
the world of Islamic philanthropy, offers various profits and efficiency and is
not owned by the conventional waqf. Following is a number of profit and
efficiency from digital waqf:
1.
Ease of Access: One superiority of
the leading digital waqf is convenience. With only a number of clicks, wakif
can donate For project waqf of his choice without must come directly to the
institution waqf or face complicated procedures (Mudyadji, nd).
2.
Transparency: Usually, digital waqf
platforms are equipped with a system that allows wakif to monitor development
projects, use of funds, and feedback from recipient benefits. This matter
increases wakif trust and ensures that waqf funds are used appropriately (Kholis, 2017).
3.
Time and Cost Efficiency: The
digitalization process cuts Lots of costs in routine administration and
operations required in waqf conventional. Apart from that, the process is fast
to ensure that waqf funds can quickly used For the desired goal (Al Fattah & Kurniawan, 2021).
4.
Wider Achievements: With a digital platform,
waqf can reach out to the wakif of various parts of the world. This is a
possible project to get funding from more diverse groups and, all at once,
strengthen solidarity among global Muslims.
5.
Innovation in Forms of Waqf: Digital waqf is
possible innovation in the form of donated assets. Apart from property and
money, wakif is now an endowment in the form of stocks, cryptocurrencies, or
even right intellectual (Iman, Santoso, & Kurniawan, 2019).
6.
Interaction and Collaboration: Several digital
waqf platforms provide feature interaction between the wakif, the recipient
benefits, and the manager's waqf. This matter creates more collaboration and
synergy between all parties involved.
7.
Adaptation with the Young Generation: Digital
waqf, with its modern and innovative approach, is more in accordance with the
style, life and preferences of the young generation. This matter is vital to
ensure that traditional waqf is still relevant and is an ongoing development in
the future.
����������� Thus, digital waqf offers various
advantages and efficiencies that make it an exciting choice for wakifs in the
modern era. Through innovation and adaptation to technology, waqf can Keep
going, develop and deliver a positive impact for the public.
2. " Impact Digitalization of Zakat and Waqf
towards Empowerment People "
����������� Digitalization
of zakat and waqf has had significant positive in empowering people.
Implementing digital technology in the management and distribution of zakat and
waqf has given more access to expand and improve efficiency and transparency in
its management. One of the positive impacts is enhancing public
participation in Zakat and Waqf. A study by (Budiansyah & El Ayyubi, 2021) shows that some factors, including quality
information, service, trust, website quality, and promotion, contribute to
wakif participation in online waqf. Using digital platforms makes it easier to
access society and improve trust. They can participate in endowment.
����������� Digitalization also encourages transparency and
accountability in the management of zakat and waqf. For example, the Indonesian
Waqf Board (BWI) is carrying out digital transformation to strengthen the
national waqf development ecosystem (Thamrin et al., 2021). With
digitalization, this process becomes more transparent and allows for better
oversight, increasing public trust. Apart from that, the digitalization of
zakat and waqf also increases fund collection capacity. For example, Rumah
Zakat Banda Aceh uses social media and Instagram to communicate with donors (Rohmatillah, 2023). This makes
collecting funds easier and reaches a broader audience, increasing the amount
of zakat and waqf funds collected.
����������� Thus, digitizing zakat and waqf has proven to empower the
people regarding community participation, transparency, accountability, and
increasing fund collection capacity. This is a significant step forward in
maximizing the potential of zakat and waqf to empower the people. A case study
that reflects how digitalization has helped empower people is the use of social
media by Rumah Zakat Banda Aceh. In a study conducted by (Rohmatillah, 2023), it was found that
Rumah Zakat Banda Aceh utilized social media, especially Instagram, to
communicate with donors. This provides more comprehensive access for the
community to participate in zakat, infaq, and alms (ZIS).
����������� Digitalization through social media has also shown its
effectiveness in expanding reach and increasing the number of followers, which
in turn increases opportunities to collect donations (Thamrin et al., 2021). Therefore,
digitalization helps increase transparency and accountability in zakat
management and is also effective in raising funds. Digitalization also allows
Rumah Zakat Banda Aceh to provide fast and timely information about its
activities and programs. This expands reach, attracts more donors, and helps
retain existing donors by giving them a better understanding of how their funds
are used to empower the faithful. This case study shows that through social
media, digitalization has helped Rumah Zakat Banda Aceh maximize the potential
of ZIS in empowering the community. This proves that digital innovation in
managing zakat and waqf can contribute significantly to empowering the people,
in line with the basic principles of zakat and waqf in Islam as a tool for the
social and economic welfare of the people.
Case Study: Implementation of
Digital Waqf in Several Countries
����������� Digital waqf has become a global trend, with many
countries adopting this model to increase the efficiency and coverage of waqf.
Here are some countries that have been successful in implementing digital waqf
and the lessons that can be learned from them:
1. Malaysia: Malaysia is known
as one of the world's centers of Islamic finance. This country has developed
various digital waqf platforms, such as eWakaf, which the government
initiated. This platform allows wakifs to donate to various projects, from
infrastructure development to education (Mudyadji, nd). Malaysia's
success lies in a combination of government support, transparent regulations,
and public awareness of the importance of waqf.
Notes:
Support for the government and clear regulations are critical successes in
implementing digital waqf. Apart from that, the education society is also
crucial for increasing participation in digital waqf.
2. United Arab Emirates (UAE):
The
UAE, especially Dubai, has pioneered Islamic financial innovation. One of the
initiatives is the Smart Waqf Dubai platform, which utilizes blockchain
technology to increase the transparency and security of digital waqf (Wardani & Wahyu, 2020). The UAE's
advantage lies in utilizing the latest technology and collaborating with the
private sector to develop digital waqf solutions.
Note: Utilization of the latest technology, such as
blockchain, can increase public trust in digital waqf. Cooperation between
government and the private sector is also essential to develop innovative
solutions.
3. Indonesia: As the country with
the largest Muslim population in the world, Indonesia has great potential for
digital waqf. Some platforms,
such as WakafIn and eWakaf,
have attracted exciting attention. Indonesia's success lies in combining
private initiatives, supporting the community, and supporting regulations (Amaliyah et al., 2022).
Notes:
Private and community initiatives can be essential in developing digital waqf.
Supportive and adaptive regulation of development technology is also crucial For ensuring the continuity of digital waqf.
����������� From
studies of the case above, the withdrawn conclusion is that the success of
digital waqf depends on the combination of supporting regulations, education
society, the utilization of technology, and working between the government,
private sector, and community. With the right approach, digital waqf can become
an effective instrument To increase the public's
well-being.
Digital Waqf Platform Development Strategy
1.
Enhancement
Security and Transparency:
Trust is the primary determinant of success from system digital waqf. For that,
it is significant for digital waqf platform managers to implement system strong
and reliable security, applicable to protect the platform from threat attack
cyber and action possible fraud detrimental to the wakif as well as damage to
platform integrity. Security robust cyber covers, however, not limited to data
encryption, two-factor authentication, and monitoring sustainable security for
detecting and responding to threats quickly and effectively.
����������� Besides
that, transparency in management and allocation of waqf funds become aspects
that maintain importance. This matter can be realized through provision reports
periodically accessed by the wakif regarding their funds, allocated and used.
Report the must serve accurate, complete and easy information understood, so
that the wakif can see a real impact from the contribution. Transparency This
Not only strengthens wakif trust but also encourages more participation broad
from the public in the waqf program.
����������� (Pramono & Wahyuni, 2021) Emphasize that development trust does not
happen in a moment but through effort and consistent sustainability in guard
security and transparency. Therefore, digital waqf platforms must be committed
fully To applying the highest standard in the second
aspect. This is part of their core values in daily operations. However, digital
waqf will develop as channel efficient philanthropy and as a strengthening
medium rope friendship and trust between people.
2.
Integration
with Other Payment Methods:
To give convenience to wakifs, integrating the digital waqf platform with
various payment methods is a strategic and essential step. This matter aims to
give diverse choices to the inner wakif to do transaction waqf, appropriate
with preference and convenience. An effective digital waqf platform must
provide a bank transfer option, allowing Wakif to send funds directly from
their bank account to their account waqf. Additionally, the use of card credit
must supported to facilitate wakifs who wish convenience
and speed in transactions, as well as utilize feature security offered by the
provider card credit.
����������� Next,
integration with an e-wallet or digital wallet has become very relevant to
remember the growth of significant use of e-wallets in Indonesia. E-wallet
offers convenient transactions only with some clicks via smartphone, which can
increase participation waqf, especially from young circles inclined more
familiar with digital technology. (Al Fattah & Kurniawan, 2021) Emphasize the importance of adapting the
digital waqf platform to development technology payment to ensure that the waqf
process can be done quickly, efficiently, and safely.
����������� Additionally,
the platform must ensure that every method of payment offered has fulfilled
standard security strict transactions to protect the wakif from risk fraud and
data theft. Data verification and encryption must be applied to guard
confidential information and personal and transactional wakif finance. With
various integrated and secure payment methods, digital waqf platforms increase
waqf's trust and comfort and expand the reach and accessibility of waqf for the
public.
3.
Education
and Training: Digital waqf
indeed brings fresh air inside practice waqf; however, reality shows that not
all layers of the public have the same ability to access and use digital
technology. This digital divide can become a barrier for some wakifs,
especially those from old circles or areas with access to limited technology. (Iman et al., 2019) confirm education and training as solutions
for overcoming obstacles.
����������� Education
can be done by providing material or modules, straightforward learning and
understanding the method using the digital waqf platform. This material can be
video tutorials, book guides, or workshops organized by institutions waqf.
Training Can integrated with religious programs or social programs so that the
wakif can learn about digital waqf in more context broad and applicable.
����������� Apart
from that, it is also important to give training to recipient benefit waqf
about How they can access funds or aid distributed via digital platforms. This
matter includes method registration, verifying identity, and understanding
rights and obligations as recipient waqf. Using simple language and being more
technical in material education will be easier understood by society layman.
Also, approach personalization, like using an ambassador or agent waqf that can
help the wakif directly in the waqf process, becomes an effective method for
increasing understanding and comfort of the wakif using the digital waqf
platform.
����������� Thus,
comprehensive and continuous education and training become critical for
ensuring that all layer public can be involved in digital waqf, so potency
large cash waqf in Indonesia can be obtained and optimized in a way maximum.
3. "Challenges and Solutions in Digitalization of
Zakat and Waqf"
����������� In
the process of digitizing zakat and waqf, various challenges can appear. One
main challenge is limited digital literacy among parts of society, which can
limit access to the Zakat and Waqf digital platforms. This matter was confirmed
by (Waldelmi et al., 2022), who found that even though Rumah Zakat Banda
Aceh uses social media To communicate with donors, he still Has No access to or
sufficient skills For technology optimally. Plus, it is a challenge for
others to question trust and security. There is concern in circles of donor
about how their funds are used and what transactions they make via a secure
digital platform. Trust This needs to be built through more transparency and
accountability big in the management of zakat and waqf. Several solutions can be considered
to overcome the challenges in digitalizing Zakat and Waqf.
����������� First, there needs to be a program to increase digital
literacy tailored to different segments of society. For example, they held
training or workshops for people with access to technology to expand their
knowledge and skills in utilizing digital zakat and waqf platforms (Iman et al., 2019). Second,
organizations that manage zakat and waqf must carry out their operations with
high transparency to overcome trust and security issues. They need to regularly
submit reports on using funds to the public and ensure that independent third
parties can monitor and audit this process.
����������� Apart from that, the use of blockchain technology can be
a solution to increase trust and transparency. With this technology, all
transactions can be tracked and verified, allowing donors to see how their
funds are used and ensuring no misuse. Third, cooperation between the
government, financial institutions, and zakat and waqf management organizations
is needed to create regulations that support the digitalization of zakat and
waqf. For example, the government can provide incentives or support for organizations
that innovate in managing and distributing zakat and waqf. In this way, we can
overcome existing challenges and exploit the full potential of digitizing zakat
and waqf to empower the people.
Conclusion
����������� In
conclusion, digitalizing zakat and waqf's potency greatly empowers people. While there are challenges, solutions such as increasing digital literacy
and transparency can help overcome them. Looking to the future, digitalization
is expected to be a significant force in maximizing the distribution and
effectiveness of zakat and waqf. Therefore, collaboration between the
government, financial institutions, and zakat and waqf management organizations
is critical to realize the full potential of digitalization for empowering the
people.
����������� This study may have limited
respondents or coverage areas, so the results should be cautiously generalized.
The security and privacy aspects of digital zakat and waqf transactions can
also be the subject of further research. Further research can examine how the
digitalization of zakat and waqf has social and economic impacts. Further
research could also look at how the public views the security of digital
transactions in a charitable context. For further research, involving more
parties, including financial institutions, zakat management organizations, and
the government, is essential. This is needed to discover cooperation challenges
and create a better framework. The result is that future research should dig
deeper into the specific elements of the digitalization of zakat and waqf and
evaluate how it impacts community empowerment.
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