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All Journal Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah International Journal of Sharia Studies Journal of Multidisciplinary Islamic Studies
Muhammad Firdaus
IAIN Langsa, Aceh, Indonesia
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Digitalization of Islamic Philanthropy: Transparency and Accountability of Zakat and Waqf Crowdfunding Platforms Muhammad Firdaus; Taofeek Muhammed Thani; Ismail Jalili; M. Anzaikhan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.10893

Abstract

Purpose: This study aims to analyze the digitalization of Islamic philanthropy through zakat and waqf fundraising platforms and assess its compliance with the principles of transparency (al-syafāfiyyah) and accountability (mas’ūliyyah) within the framework of Islamic economic law and maqāṣid al-sharī‘ah.Design/Methodology: This study employs a qualitative library research design with a juridical-normative approach. It employs a conceptual and legal approach by examining primary sources, including the Quran, Hadith, fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and related regulations, as well as secondary sources such as academic literature and previous research related to Islamic philanthropy and crowdfunding practices.Findings: The findings indicate that the digitalization of Islamic philanthropy through crowdfunding platforms is permissible under Islamic law, provided it meets essential sharia requirements, including clear contractual arrangements (akad), transparent information disclosure, accountability for fund distribution, and effective sharia oversight. However, challenges remain regarding standardized reporting mechanisms, oversight models, and the alignment of digital practices with the principles of trustworthiness and justice (‘adl). Adherence to these principles ensures the realization of benefits to society (maslahah) and the maintenance of the community's trust.Practical Implications: This study highlights the importance of strengthening the regulatory framework, enhancing sharia governance, and developing standardized transparency and accountability mechanisms for zakat and waqf fundraising platforms. These measures support sustainable digital philanthropy and strengthen public trust in Islamic social financial institutions.Originality/Value: This study provides a normative legal analysis of digital zakat and waqf fundraising platforms from the perspective of Islamic economic law, offering a structured evaluation framework based on the principles of transparency, accountability, and maqāṣid al-sharī‘ah in the digital era
Zakat and Green Finance: Formulating a Green Zakat Model to Support Energy Transition and Climate Change Adaptation Mohammad Musa; Muhammad Firdaus
Al-Widad Vol 5 No 1 (2026): Al-Widad: Journal of Multidisciplinary Islamic Studies
Publisher : Raudhatun Najah Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58405/aw.v5i1.75

Abstract

Ideally, zakat should function not only as an instrument for socio-economic empowerment but also as a driver of ecological transformation in responding to the climate crisis. In reality, however, the utilization of zakat to support energy transition and climate-change adaptation remains fragmented, lacks operational models, and is not yet integrated into the national green finance framework. This study aims to formulate a Green Zakat Model that systematically connects Islamic principles, environmental sustainability, and climate mitigation–adaptation strategies. The research employs an exploratory qualitative approach through policy analysis, extensive international literature review, and in-depth interviews with zakat institutions, Islamic economics experts, and green-energy stakeholders. Data were analyzed using thematic coding to identify patterns, opportunities, and barriers to integrating zakat within the green finance ecosystem. The findings show that zakat holds strategic potential to finance community-based energy resilience, low-carbon technologies, ecological rehabilitation, and adaptation programs for vulnerable groups. The proposed model presents a governance framework, maqashid-based green project criteria, and accountability mechanisms aligned with global green finance standards. These results highlight that zakat can serve as a catalyst for an inclusive and socially–ecologically just energy transition.
Tanggung Jawab Hukum Lembaga Keuangan Syariah terhadap Cyber Crime: Pendekatan Sadd az-Zari'ah Muhammad Firdaus; Zulqarnain Zulqarnain; Fakhrurrazi Fakhrurrazi; Alvi Suliya; Alif Mahfudz
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 11 No 1 (2026): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v11i1.1204

Abstract

This study aims to analyze the legal responsibility of Islamic financial institutions in addressing cybercrime, examine the implementation of the Sadd al-Dharī'ah principle as a preventive approach to digital security governance, and formulate a conceptual model for customer protection and rights recovery. This research employs a qualitative library research method using a normative legal approach, incorporating statutory, conceptual, and Islamic legal perspectives. Data were analyzed through descriptive-analytical techniques based on primary and secondary legal sources. The findings reveal that the legal responsibility of Islamic financial institutions should integrate the principles of amanah (trustworthiness), ḥifẓ al-māl (protection of property), national legal regulations, and Sadd al-Dharī'ah as a preventive framework against cybercrime. Furthermore, this study proposes a customer protection model consisting of preventive measures, detection mechanisms, responsive actions, and recovery procedures as an integrated framework for digital security governance that is adaptive, accountable, and aligned with the objectives of Islamic law (maqāṣid al-sharīʿah).
Cash-on-Delivery (COD) Umrah Financing in Islamic Financial Institutions: A Sharia Economic Law Analysis Syawaluddin Ismail; Muhammad Firdaus
International Journal of Sharia Studies Vol. 4 No. 1 (2026): International Journal of Sharia Studies
Publisher : Tunas Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61810/ijss.v4i1.187

Abstract

Ideally, Umrah financing provided by Islamic financial institutions should be implemented based on the principles of justice, contractual certainty, and compliance with Islamic economic law. In practice, however, the emergence of the Cash on Delivery (COD) scheme in Umrah financing has raised legal concerns regarding the validity of contracts, the timing of benefit delivery, risk allocation, and the protection of the parties involved. This study aims to examine the legal validity of COD-based Umrah financing from the perspective of Islamic economic law. This research employs a qualitative library research design using a normative legal approach through statutory, conceptual, and case approaches. Primary sources include the Qur'an, Hadith, fatwas issued by the National Sharia Council–Indonesian Council of Ulama (DSN-MUI), and relevant legislation, while secondary sources consist of scholarly books and peer-reviewed journal articles. The data were analyzed using content analysis and prescriptive legal analysis. The findings indicate that COD-based Umrah financing is legally valid under Islamic economic law provided that it fulfills the essential elements and conditions of the contract, is free from riba, gharar, and maysir, and ensures certainty in benefit delivery, transparency, and equitable risk allocation. Strengthening contractual design and Sharia compliance is essential to ensure that this financing model remains aligned with the objectives of Maqāṣid al-Sharīʿah, consumer protection, and legal certainty.
Co-Authors Alif Mahfudz Alvi Suliya Fakhrurrazi Fakhrurrazi Ismail Jalili M. Anzaikhan Mohammad Musa Syawaluddin Ismail Taofeek Muhammed Thani Zulqarnain Zulqarnain