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Journal : Jurnal Investasi Islam

The Inovasi Digital Dalam Pengelolaan Ziswaf Menghubungkan Amal Dengan Teknologi Di Indonesia Intan Aulia Denada; Keysya Muyasaroh Khasanah; Puja Audinia Artika; Nuraini; Zaqi Rohman; Siti Zulaikha
Jurnal Investasi Islam Vol 10 No 1 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v10i1.12250

Abstract

Abstrak Transformasi digital dalam pengelolaan Zakat, Infak, Sedekah, dan Wakaf (ZISWAF) menjadi keniscayaan di era teknologi. Penelitian ini bertujuan menganalisis pemanfaatan inovasi digital dalam pengelolaan ZISWAF di Indonesia, menggunakan pendekatan kualitatif melalui studi pustaka. Temuan menunjukkan bahwa teknologi seperti aplikasi digital, e-wallet, hingga blockchain mulai diterapkan oleh lembaga pengelola ZISWAF untuk meningkatkan transparansi, efisiensi, dan jangkauan layanan. Namun, masih terdapat tantangan seperti rendahnya literasi digital, ketimpangan akses teknologi, serta minimnya kepercayaan publik. Analisis menggunakan teori TAM dan Diffusion of Innovation menegaskan pentingnya aspek sosial dan persepsi dalam adopsi teknologi. Penelitian ini merekomendasikan penguatan literasi dan integrasi sistem digital ZISWAF secara nasional. Kata Kunci: ZISWAF, inovasi digital, teknologi Islam, TAM, literasi digital, ekonomi syariah. Abstract Digital transformation in the management of Zakat, Infak, Sedekah, and Waqf (ZISWAF) is inevitable in the era of technology. This study aims to analyze the use of digital innovation in the management of ZISWAF in Indonesia, using a qualitative approach through literature studies. The findings show that technologies such as digital applications, e-wallets, and blockchain have begun to be implemented by ZISWAF management institutions to increase transparency, efficiency, and service reach. However, there are still challenges such as low digital literacy, inequality in access to technology, and minimal public trust. Analysis using the TAM and Diffusion of Innovation theories emphasizes the importance of social and perception aspects in technology adoption. This study recommends strengthening literacy and integration of the ZISWAF digital system nationally. Keywords: ZISWAF, digital innovation, Islamic technology, TAM, digital literacy, sharia economy.
Co-Authors A'yun, Zulia Qurrota Abrar Adzkia Ahmad Achmad Sudiro Agus Hermanto Ahmad Tarhib Akhmad Kholil Akhmad Kusuma Wardhana Akrom, Akrom Ambrosius Tode Peya Nia Do Amin Nurokhman Anak Agung Gede Sugianthara Anas Malik Anisah Fardila Annissa Fitriani Rizka Aprizal, Yusuf Zaini Arif Yachya Aurelia Cahya Aini Ayu, Ayu Bella Permata Sari Benediktus Rahawarin Chanifudin Chanifudin Dea Marsa Amelia Devika Putriani Didin Sirojudin Dimas Kurnia Robby Dini Afriansyah Dr. Matin Enny Puji Enny Puji Lestari Farhan Trisna Maulana Fifty Ayu Lestari Kosam Hamidatul Khalifah Hariyani Prasetyaningtyas Ika Kurnia Sofiani Imam Wahyudi Indrawan, Imam Wahyudi Imelda Deva Kirana Intan Aulia Denada Izza Mutia Raihan Jamhari Jamhari Jumiani Sarianti Keysya Muyasaroh Khasanah Laila Sari Ramadhan Lena Rusmiyati Lu'luil Fajriyatil Aliyah Matin Maya Diaz Restarie Mentari Putri Wulan Mifta Ammaria Wulandari Miftah Amaria Wulandari Muh. Takdir Muh.Takdir Muhamad Fadholi Muhammad Takdir Nabilah Khonsa Nordianus Wilfridus Nuraini Nurhattati Nursyavika Auni Nurul Aulia Sari Nyimas Lidya Putri Pertiwi,M.Sy Puja Audinia Artika Putri Novira Ariyanti Qodriyana Kusumastiti Rahmad Riski Wahyudi Rahmat Rizki Basuki Raja Selvia Fazira Rama Harfi Ferdinan Ridwan Abdullah Rina Selva Johan Rosnelly Barus Salamun Hadi Subroto Salsabilla Aura Balqis Seftira Margi Saesaputri Sep Arinda Risa Kamal Sherina Silva Siroj, Muhammad Sirojudin Sidiq Siti Nur Farida SITI NURJANAH Siti Rochanah Suarman ' Sugih Arto Suliyanto Suliyanto Suprayitno, Aryadimas Suryadi Suryadi Susanto, Arva Athallah Syafrizal Helmi Situmorang Syarifah Syifa Zakia Rahma Azizah Titania Susandri Tutut Handayani Weni Novandari Widia Kurniasih Wihda Yanuar Firdaus Yosi Imas Kristiyana Zaky Nuron Rizky Zaqi Rohman Zumaroh Zumaroh