Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Vol. 7 No. 1 (2025): Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah

Digitalisasi Wakaf Uang di Indonesia: Potensi, Tantangan, dan Studi Kasus Platform Digital

Yuda Pratama, M. Andika (Unknown)



Article Info

Publish Date
15 Jul 2025

Abstract

The digitalization of cash waqf represents a pivotal innovation in the development of Islamic social finance amid the Fourth Industrial Revolution. Despite its vast potential to support social development and empower communities, the actual realization of cash waqf in Indonesia remains significantly underutilized. Key challenges include low public literacy, the absence of comprehensive digital regulations, and limited integration among digital platforms. This study aims to explore the potential, challenges, and strategic roadmap for cash waqf digitalization in Indonesia, with a specific focus on three digital platforms: LinkAja Syariah, e-Salaam, and GoAmal by Dompet Dhuafa. Employing a qualitative descriptive approach through library research, this paper draws from scholarly journals, official regulations, DSN-MUI fatwas, and institutional reports. The data were analyzed using descriptive-comparative and content analysis methods. Findings suggest that digitalization enhances accessibility, transactional efficiency, and donor engagement but still faces issues related to trust, governance, and regulatory frameworks. As a contribution, this article proposes a phased roadmap—from short-term literacy campaigns and QRIS integration to long-term blockchain-based national platforms—that may guide policymakers and practitioners. The study concludes by emphasizing the need for multisector collaboration involving BWI, KNEKS, OJK, and waqf institutions to build a sustainable and trustworthy digital waqf ecosystem. Keywords: Digital Cash Waqf, Islamic Social Finance, Sharia Financial Technology, Waqf Platforms, Digital Waqf Roadmap.

Copyrights © 2025






Journal Info

Abbrev

ecoiqtishodi

Publisher

Subject

Religion Economics, Econometrics & Finance Social Sciences

Description

FOCUS AND SCOPE Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah E-ISSN: 2775-1457 and P-ISSN: 2685-2721 contains articles on sharia economics and finance, which are generated from the results of research, reports / case studies, studies / literature reviews, which are oriented towards the ...