Zakat Melalui FinTech: Analitik Literatur Perspektif Hukum Ekonomi Islam
Abstract
The COVID-19 pandemic and the resulting economic restrictions have adversely affected individuals and communities. One potential solution is to use zakat to support public welfare. However, the pandemic's initial phase led to a decrease in the collection of zakat funds. Fortunately, the emergence of FinTech has facilitated an increase in zakat collection. This study examines the payment of zakat through FinTech from the perspective of Islamic Sharia Law. Utilizing scientific literature analysis and Al-Quran studies, the findings suggest that paying zakat through FinTech is not prohibited. The various digital zakat facilities available have the potential to motivate people to pay their zakat to institutions, particularly during the pandemic. To maximize the efficiency and effectiveness of FinTech in increasing the volume of zakat payments, we recommend that three interested parties take certain steps, which will be conveyed later. Using FinTech for zakat payments can help alleviate the pandemic's impact on public welfare.
Downloads
References
Abdurrahman Usman, Z. (2022). Keniscayaan Metode Komprehensif dalam Studi Islam: Telaah Pemikiran Ali Syariati. Jurnal Kawakib, 2(2), 110–119. https://doi.org/10.24036/kwkib.v2i2.26
Abdussalam, O. I., Johari, F., & Alias, M. (2015). Is Zakah Effective to Alleviate Poverty in a Muslim Society?: A Case of Kwara State, Nigeria. Global Journal Al Thaqafah, 5(1), 33–41. https://doi.org/10.7187/GJAT762015.05.01
Ahmad, K., & Yahaya, M. H. (2022). Islamic social financing and efficient zakat distribution: impact of fintech adoption among the asnaf in Malaysia. Journal of Islamic Marketing, ahead-of-p(ahead-of-print). https://doi.org/10.1108/JIMA-04-2021-0102
Ahmad Malik, B. (2016). Philanthropy in Practice: Role of Zakat in the Realization of Justice and Economic Growth. International Journal of Zakat, 1(1), 64–77. https://doi.org/10.37706/ijaz.v1i1.7
Akmal, I. K. B., Majid, M. A. S., & Gunawan, E. (2021). Does Zakat matter for human development? An empirical evidence from Indonesia. Regional Science Inquiry, 12(2), 195–208.
al Arif, M. N. R., & al Athar, M. D. (2021). The Intention of Millennial Generation in Paying Zakat through Digital Payments. International Journal of Islamic Business and Economics (IJIBEC), 5(1), 38. https://doi.org/10.28918/ijibec.v5i1.3675
Ali Hudaefi, F., & Syauqi Beik Muhammad Hasbi Zaenal Muhammad Choirin Hidayaneu Farchatunnisa Ulfah Lathifah Junari, I. (2020). How Does Zakat Institution Respond To Fintech? Evidence From Baznas, Indonesia. International Journal of Zakat and Islamic Philanthropy, (2), 2672–7471.
Alim, M. N. (2015). Utilization and Accounting of Zakat for Productive Purposes in Indonesia: A Review. Procedia - Social and Behavioral Sciences, 211, 232–236. https://doi.org/10.1016/j.sbspro.2015.11.028
Amin, K. (2021). Teosofi al-Suhrawardi al-Maqtul dan Mahzab Iluminasionisme dalam Filsafat Islam. Jurnal Kawakib, 2(2), 100–109. https://doi.org/10.24036/kwkib.v2i2.24
Anshori, A. C. al, Saputra, M. I., & Adhiningsih, S. M. (2020). Efektivitas Kampanye Zakat Terhadap Brand Lembaga dan Pengumpulan Zakat 2020. In Kajian Zakat-Puskat BAZNAS (Vol. 2). Jakarta.
Avazbek Ganiyev, & Sherzodjon Umaraliev. (2020). The Role Of Zakat In The Early Stages Of The Islamic Civilisation. EPRA International Journal of Multidisciplinary Research (IJMR), 441–444. https://doi.org/10.36713/epra2823
Azzahra, F., & Majid, M. S. A. (2020). What Drives Muzakki to Pay Zakat at Baitul Mal? Shirkah, 5(1). Retrieved from http://www.shirkah.or.id/new-ojs/index.php/home/article/view/297
Bara, A. L., & Pradesyah, R. (2020). Analysis Of The Management Of Productive Zakat At The Muhammadiyah, City Of Medan. Proceeding International Seminar of …, 1, 617–623. Retrieved from http://jurnal.umsu.ac.id/index.php/insis/article/view/4196
Beik, I. S., Swandaru, R., & Rizkiningsih, P. (2021). Utilization of Digital Technology for Zakat Development. Islamic FinTech, 231–248. https://doi.org/10.1007/978-3-030-45827-0_13
Bin-Nashwan, S. A., Abdul-Jabbar, H., & Aziz, S. A. (2019). Do Enforcement, Religiosity and Peer Influence Zakah Compliance Behavior? International Journal of Financial Research, 10(6), 42. https://doi.org/10.5430/ijfr.v10n6p42
Bin-Nashwan, S. A., Abdul-Jabbar, H., Aziz, S. A., & Viswanathan, K. K. (2020). A socio-economic model of Zakah compliance. International Journal of Sociology and Social Policy, 40(3/4), 304–320. https://doi.org/10.1108/IJSSP-11-2019-0240
Dhammi, I., & Haq, R. (2018). How to write systematic review or meta-analysis. Indian Journal of Orthopaedics, 52(6), 575–577. https://doi.org/10.4103/ortho.IJOrtho_557_18
Djatmiko, H. (2019). Re-formulation zakat system as tax reduction in Indonesia. Indonesian Journal of Islam and Muslim Societies, 9(1), 135. https://doi.org/10.18326/ijims.v9i1.135-162
Fahmi Ali Hudaefi, & Irfan Syauqi Beik. (2020). How Does Zakat Institution Respond To Fintech? Evidence From Baznas, Indonesia. International Journal Of Zakat and Islamic Philanthropy, 2(1), 2672–7471.
Febriyanti, N. (2020). The Review of Islamic Law on the Distribution of Zakat Directly by Muzaki to Mustahik in the Sunan Ampel Religious Tourism Area in Surabaya. IQTISHADUNA, 11(2), 55–69. https://doi.org/10.20414/iqtishaduna.v11i2.2845
Hamzah, Z., & Kurniawan, I. (2020). Pengaruh Pengetahuan Zakat Dan Kepercayaan Kepada Baznas Kabupaten Kuantan Singingi Terhadap Minat Muzakki Membayar Zakat. Jurnal Tabarru’: Islamic Banking and Finance, 3(1), 30–40. https://doi.org/10.25299/jtb.2020.vol3(1).5114
Hapsari, et al. , M. I. (2016). Distribution in Maqasid Al-Shariah Framework. Journal of Islamic Financial Studies, 2(2), 15–25. https://doi.org/10.12785/jifs/020202
Hasif, M., & Ahmad, K. (2019). Factors Affecting the Acceptance of Financial Technology among Asnaf for the Distribution of Zakat in Selangor- A Study Using UTAUT. Journal of Islamic Finance (Special Issue), 2117, 35–46.
Hudaefi, F. A., & Beik, I. S. (2021). Digital zakāh campaign in time of Covid-19 pandemic in Indonesia: a netnographic study. Journal of Islamic Marketing, 12(3), 498–517. https://doi.org/10.1108/JIMA-09-2020-0299
Kadir, A., Hakim, M. R., Syam, F., & Karim, M. S. (2020). Penggunaan Dana Zakat Pada Korban Covid-19 Perspektif Maqashid Syariah. Al-Tafaqquh: Journal of Islamic Law, 1(2), 107. https://doi.org/10.33096/al-tafaqquh.v1i2.61
Kasri, R. A., & Yuniar, A. M. (2021). Determinants of digital zakat payments: lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362–379. https://doi.org/10.1108/JIABR-08-2020-0258/FULL/PDF
Mahmud, M. W., & Shah Haneef, S. S. (2008). Debatable Issues in Fiqh Al-Zakat: A Jurisprudential Appraisal. Jurnal Fiqh, 5, 117–141. https://doi.org/10.22452/fiqh.vol5no1.6
Marlina, L., & Sudana. (2022). Economic Growth , Inflation and Growth of Islamic Bank in Indonesia during Covid-19. Budapest International Research and Critics Institute (BIRCI-Journal) : Humanities and Social Sciences, 5(3), 26697–26708. https://doi.org/https://doi.org/10.33258/birci.v5i3.6716
Mikail, S. A., Ahmad, M. A. J., & Adekunle, S. S. (2017). Utilisation of zakāh and waqf fund in micro takāful models in Malaysia: an exploratory study. ISRA International Journal of Islamic Finance, 9(1), 100–105. https://doi.org/10.1108/IJIF-07-2017-010
Muhyiddin, M., & Nugroho, H. (2021). A Year of Covid-19: A Long Road to Recovery and Acceleration of Indonesia’s Development. Jurnal Perencanaan Pembangunan: The Indonesian Journal of Development Planning, 5(1), 1–19. https://doi.org/10.36574/jpp.v5i1.181
Mukhibad, H., Fachrurrozie, F., & Nurkhin, A. (2019). Determinants of the Intention of Muzakki To Pay Professional Zakat. Share: Jurnal Ekonomi Dan Keuangan Islam, 8(1), 45–67. https://doi.org/10.22373/share.v8i1.4573
Musaffa, M. U. A., Dakum, D., Nurrohim, A. H., & Sudrajad, M. R. (2022). Study the Philosophy of Islamic Law in Determination Percentage of Zakat Mal. Az-Zarqa’: Jurnal Hukum Bisnis Islam, 14(1), 19. https://doi.org/10.14421/azzarqa.v14i1.2589
Nafiah, R., & Faih, A. (2019). Analisis Transaksi Financial Technology (Fintech) Syariah dalam Perspektif Maqashid Syariah. IQTISHADIA Jurnal Ekonomi & Perbankan Syariah, 6(2), 167–175. https://doi.org/10.19105/iqtishadia.v6i2.2479
Narastri, M. (2020). Financial Technology (Fintech) Di Indonesia Ditinjau Dari Perspektif Islam. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 2(2), 155–170. https://doi.org/10.31538/iijse.v2i2.513
Obaidullah, M. (2016). Revisiting estimation methods of business zakat and related tax incentives. Journal of Islamic Accounting and Business Research, 7(4), 349–364. https://doi.org/10.1108/JIABR-10-2014-0035
Oran, A. (2016). A Conception to Activate Zak?h as an Islamic Mechanism for Human Development. Journal of King Abdulaziz University-Islamic Economics, 29(3). https://doi.org/10.4197/Islec.29-3.1
Owoyemi, M. Y. (2020). Zakat management: The crisis of confidence in zakat agencies and the legality of giving zakat directly to the poor. Journal of Islamic Accounting and Business Research, 11(2), 498–510. https://doi.org/10.1108/JIABR-07-2017-0097
Page, M. J., McKenzie, J. E., Bossuyt, P. M., Boutron, I., Hoffmann, T. C., Mulrow, C. D., … Moher, D. (2021). The PRISMA 2020 statement: an updated guideline for reporting systematic reviews. Systematic Reviews, 10(1), 1–11. https://doi.org/10.1186/s13643-021-01626-4
Purbasari, I. (2015). Pengelolaan Zakat Oleh Badan dan Lembaga Amil Zakat Di Surabaya Dan Gresik. Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada, 27(1), 68. https://doi.org/10.22146/jmh.15911
Rachman, M. A., & Nur Salam, A. (2018). The Reinforcement of Zakat Management through Financial Technology Systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/10.37706/ijaz.v3i1.68
Rahmi, N. (2018). Maqasid Al Syari’ah: Melacak Gagasan Awal. Syariah Jurnal Hukum Dan Pemikiran, 17(2), 160. https://doi.org/10.18592/sy.v17i2.1970
Razak, S. H. A. (2020). Zakat and waqf as instrument of Islamic wealth in poverty alleviation and redistribution: Case of Malaysia. International Journal of Sociology and Social Policy, 40(3–4), 249–266. https://doi.org/10.1108/IJSSP-11-2018-0208
Sadeq, A. M. (1996). Ethico‐Economic Institution of Zakah: An Instrument of Self‐Reliance and Sustainable Grassroot Development. Humanomics, 12(2), 47–69. https://doi.org/10.1108/eb018775
Samad, A., & Glenn, L. M. (2010). Development of Zakah and Zakah coverage in monotheistic faiths. International Journal of Social Economics, 37(4), 302–315. https://doi.org/10.1108/03068291011025264
Siregar, L. H., & Nasution, Y. S. J. (2022). the Implementation Maqashid Syariah Development’S By Green Financing At Financial Institutions Indonesia. Proceeding International Seminar of …, 3(1), 1255–1262. Retrieved from http://jurnal.umsu.ac.id/index.php/insis/article/view/9958
Sonial Manara, A., Rachman Eka Permata, A., & Heru Pranjoto, R. G. (2018). Strategy Model for Increasing the Potential of Zakat through the Crowdfunding-Zakat System to overcome Poverty in Indonesia. International Journal of Zakat, 3(4), 17–31. https://doi.org/10.37706/ijaz.v3i4.104
Sulaeman, S., & Ninglasari, S. Y. (2020a). An Empirical Examination of Factors Influencing the Behavioral Intention to Use Zakat-Based Crowdfunding Platform Model for Countering the Adverse Impact of COVID-19 on MSMEs in Indonesia. International Conference of Zakat, 203–218. https://doi.org/10.37706/iconz.2020.218
Sulaeman, S., & Ninglasari, S. Y. (2020b). Analyzing the Behavioral Intention Factors in Using Zakat-Based Crowdfunding Platform in Indonesia. International Journal of Zakat, 5(3), 1–19. https://doi.org/10.37706/ijaz.v5i3.267
Susilawati, S., Falefi, R., & Purwoko, A. (2020). Impact of COVID-19’s Pandemic on the Economy of Indonesia. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 3(2), 1147–1156. https://doi.org/10.33258/birci.v3i2.954
Ummulkhayr, A., Yusuf Owoyemi, M., & Binti Mohammed Cusairi, R. (2017). Determinants of Zakat Compliance Behavior among Muslims Living Under Non-Islamic Governments. International Journal of Zakat, 2(1), 95–108. https://doi.org/10.37706/ijaz.v2i1.18
Utami, P., Basrowi, & Julianas. (2019). Management of Zakat Payment Based on Fintech for the Good Corporate Governance Improvement. Eastern Journal of Economics and Finance, 4(2), 41–50. https://doi.org/10.20448/809.4.2.41.50
Yunita, P. (2021). Developing A Modern Zakat Management Model Digital Technology 4.0 Version. AZKA International Journal of Zakat & Social Finance, 139–156. https://doi.org/10.51377/azjaf.vol2no1.47
Yusfiarto, R., Setiawan, A., & Nugraha, S. S. (2020). Literacy and Intention to Pay Zakat : A Theory Planned Behavior View Evidence from Indonesian Muzakki. International Journal of Zakat, 5(1), 15–27.
Copyright (c) 2023 Muhammad Alfarizi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.