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All Journal Jurnal Manajemen Pendidikan Amal: Jurnal Ekonomi Syariah Maaliyah
Akbar, Rifaldi Nurul
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Religion Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Crowdfunding and Cash Waqf Linked Deposit: A Tech Integrated Model for Sustainable Development Kurniawan, Muhammad Iman; Akbar, Rifaldi Nurul; Akmal, Aria Nur
Maaliyah: Journal of Islamic Economic Law and Islamic Finance Vol. 1 No. 2 (2025): Maaliyah: Journal of Islamic Economic Law and Islamic Finance
Publisher : Universitas Darunnajah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61159/maaliyah.v1i2.711

Abstract

This study analyzes the integration of Crowdfunding and Cash Waqf-Linked Deposits (CWLD) as a technology-based Islamic financial model supporting the Sustainable Development Goals (SDGs). Employing a Systematic Literature Review (SLR) with the PRISMA approach, it synthesizes findings from eight primary articles published over the past five years. The analysis indicates that this integration effectively addresses limitations of conventional cash waqf, such as low public literacy, minimal institutional innovation, and regulatory constraints. Crowdfunding expands the donor base, particularly among younger generations and the Muslim diaspora, via transparent, accountable, and participatory digital platforms. Concurrently, CWLD ensures sustainable benefits by adhering to capital preservation principles and channeling returns to social, educational, health, and economic empowerment sectors. Digital technologies, especially blockchain, smart contracts, and tokenization, serve as key catalysts for enhancing transparency, accountability, and fund management efficiency. This hybrid model not only meets financial needs but also fosters public trust, strengthens global Muslim solidarity, and promotes Islamic financial inclusion. Significant challenges remain, including cross-jurisdictional regulatory limits, cybersecurity risks, and low Islamic finance literacy. Therefore, successful implementation depends heavily on institutional innovation, adaptive regulations, and continuous education. This integration represents a structural transformation in the Islamic philanthropy ecosystem, aligning with Maqasid al-Shariah and the requirements of inclusive development in the digital era.
Fostering Synergistic Collaboration: A Triple Helix Model for Integrating Educational Management, Digital Pedagogy, and Sharia Financial Literacy in Indonesian Islamic Economics Higher Education Kurniawan, Muhammad Iman; Syam, Aldo Redho; Kamilah, Athia Nur; Rahman Zh, Miftah Hur; Akbar, Rifaldi Nurul
Jurnal Manajemen Pendidikan Vol. 16 No. 2 (2025): Jurnal Manajemen Pendidikan
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jmp.v16i2.66411

Abstract

Background The convergence of educational transformation, technological advancement, and the preservation of ethical values presents a significant challenge for higher education institutions, particularly in delivering Islamic economics education that remains faithful to its foundational principles amidst the Society 5.0 era. Purpose This study investigates the convergence of educational management strategies, technology-enhanced pedagogy, and Islamic economics principles within Indonesian higher education institutions to understand how digital transformation reshapes the pedagogical ecosystem of Islamic economics education. Design/method/approach Employing an explanatory sequential mixed-methods design combining quantitative surveys (n = 387) and qualitative semi-structured interviews (n = 24) across six Islamic higher education institutions, the research examines the relationships between digital transformation and educational outcomes in Islamic economics. Results The quantitative findings reveal that technology-integrated educational management significantly predicts student learning outcomes in Islamic economics (β = 0.47, p < .001) and sharia financial literacy (β = 0.39, p < .001). Structural equation modeling indicates that digital pedagogical competence mediates 34.2% of the variance in student engagement with Islamic finance concepts. Qualitative thematic analysis identifies four emergent themes: institutional readiness for digital transformation; alignment of the curriculum with Islamic values and technological innovation; the role of learning management systems in fostering sharia-compliant understanding of financial matters; and stakeholder perceptions of technology-mediated Islamic economics instruction. Contribution/value The study proposes an integrative Triple Helix framework, Educational Management, Educational Technology, and Islamic Economics (EM-ET-IE), offering a novel theoretical contribution for designing sustainable, value-based digital learning ecosystems. These findings carry significant implications for policymakers, educational administrators, and curriculum designers seeking to reimagine Islamic economics education while preserving its foundational ethical principles.
Menjembatani Kesenjangan : Kerangka Kerja SDG-Wakaf-FinTech Terpadu untuk Transformasi Keuangan Pendidikan di Indonesia Akbar, Rifaldi Nurul; Kurniawan, Muhammad Iman; Rahman Zh, Miftah Hur; Kamilah, Athia Nur
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.12004

Abstract

This study investigates the convergence of Islamic social finance, educational waqf, and FinTech to finance Sustainable Development Goal (SDG) 4 in Indonesia. It aims to map the potential and challenges of this integration and propose a synergistic conceptual model. Employing a qualitative approach, we collected primary data through in-depth interviews with 25 key stakeholders, Focus Group Discussions (FGDs), and analysis of policy documents. Thematic analysis reveals that the potential of educational waqf is hampered by regulatory asymmetry and governance deficits within the nadzir institution, leading to a strategic misalignment with specific SDG 4 targets. Our findings identify the dual role of FinTech as a capital mobilizer via micro-waqf platforms and as a blockchain-based monitor that builds transparency. The study concludes that realizing an effective waqf ecosystem requires an integrated approach: strengthening regulatory foundations and nadzir capacity, leveraging FinTech as a catalyst, and adopting an SDG-aligned impact measurement framework. Future research should prioritize developing and testing such a measurement framework and exploring regulatory sandbox models for Shari'ah-compliant waqf FinTech innovation. Keywords: Educational Waqf, FinTech, SDG 4, Governance, Blockchain, Impact Measurement, Islamic Social Finance
Co-Authors Akmal, Aria Nur Kamilah, Athia Nur Miftah Hur Rahman Zh Muhammad Iman Kurniawan Syam, Aldo Redho