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All Journal Maslahah : Jurnal Hukum Islam dan Perbankan Syariah As-Salam: Jurnal Studi Hukum Islam & Pendidikan Al-Izzah: Jurnal Hasil-Hasil Penelitian Al-MARSHAD: Jurnal Astronomi Islam dan Ilmu-Ilmu Berkaitan Al-Hilal: Journal of Islamic Astronomy Al Dzahab Syakhshiyyah Jurnal Hukum Keluarga Islam Siyasah : Jurnal Hukum Tata Negara
Ardliansyah, Moelki Fahmi
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Religion Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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Islamic Social Finance Innovation: Sharia Legal Analysis of Waqf Crowdfunding Luciani, Melda; Ardliansyah, Moelki Fahmi; Fatarib, Husnul
Al Dzahab Vol. 7 No. 1 (2026): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v7i1.6011

Abstract

Purpose: This study aims to analyze the implementation of waqf crowdfunding on the Kitabisa.com platform from a Sharia law perspective based on DSN–MUI Fatwa No. 117/2018, as well as to identify the challenges in optimizing digital waqf as an instrument of social funding. Design/Methodology/Approach: This study employs a qualitative approach using a case study of the Kitabisa.com platform through the analysis of documents, regulations, and fatwas, applying a descriptive-analytical method. Findings: The findings indicate that waqf fundraising through Kitabisa.com is generally in accordance with Sharia principles, as reflected in the use of cash waqf, collaboration with authorized nazhir, and the allocation of investment returns to welfare-related sectors. However, several challenges remain, including low levels of waqf literacy among the public, potential risks associated with Sharia-based investments, and the need for standardized transparency in reporting. Research Implications: The optimization of waqf crowdfunding requires clearer regulatory frameworks, increased public literacy regarding waqf, effective risk management mechanisms, equitable fund distribution, and transparent reporting systems to strengthen public trust.
Co-Authors Ahmad Adib Rofiuddin Bahari, Raha Elfa Murdiana Fadhilah Nasrudin Fairuz Sabiq Husnul Fatarib intan Istinganatul Khumaida Luciani, Melda M. ARIF RAHMAN HAKIM Muflihun, Muhammad Muhammad Himmatur Riza Nasya Putri, Shely Nely, Nely Rahma Wati oktora, nency dela Rahmadian, Isna Revita, Revita Dwi Wibowo