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ZAKAT AND WAQF AS INSTRUMENTS OF SOCIAL AND ECONOMIC DEVELOPMENT: AN ISLAMIC SOCIAL FINANCE PERSPECTIVE Yunita Wulandari; Muhammad Alfan Azizi
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

This study examines the contribution of zakat and waqf to social and economic development within Muslim communities. Zakat and waqf represent two fundamental instruments of Islamic social finance that function not only as mechanisms of worship, but also as strategic tools for poverty alleviation, income redistribution, and social empowerment. This research employs a qualitative approach through library research, drawing on academic journals, books, and authoritative reports related to zakat, waqf, and socio-economic development. Data were analyzed using descriptive-analytical techniques with content analysis to identify patterns, impacts, and challenges in the implementation of zakat and waqf institutions. The findings indicate that zakat plays a significant role in short-term poverty reduction through consumptive and productive distribution, while waqf—particularly productive waqf—contributes to long-term economic sustainability by supporting education, health services, and community-based economic activities. Furthermore, the integration and synergy between zakat and waqf management strengthen their collective impact on social welfare and inclusive economic growth. However, institutional governance, public literacy, and regulatory effectiveness remain key challenges that limit their optimal contribution. This study concludes that zakat and waqf, when managed professionally and transparently, possess strong potential to support sustainable social and economic development and to complement state-led development programs.
OPTIMIZING DIGITAL WAQF FOR SUSTAINABLE NATIONAL DEVELOPMENT: PUBLIC POLICY APPROACHES IN INDONESIA Yunita Wulandari; Ahmad M. Naseh; Ahmad Zuhairuz Zaman; Imam Bukhori; Andini Febrianti
International Conference on Humanity Education and Society (ICHES) Vol. 4 No. 1 (2025): The 4th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

Conventional waqf management often falls short in optimizing the potential of waqf assets to significantly contribute to sustainable national development, particularly amidst rapid digital technological advancements. Traditional management systemslimit the transparency, accountability, and outreach of this form of Islamic philanthropy. This study aims to explore and formulate effective public policy approaches to enhance the digitalization of waqf management in Indonesia. It also examines existing regulatory frameworks and the opportunities to leverage technology in waqf administration. This research adopts a qualitative, library-based method using a normative-juridical approach to analyze various waqf-related regulations in Indonesia. The findings highlight that robust public policies are essential to standardize digital infrastructure, ensure data security, foster public trustin digital waqf, and support nazir in managing waqf assets more effectively. Ultimately, optimizing digital waqf through strategic public policy is crucial for transforming waqf into a dynamic and transparent instrument for sustainable national development.