Khuluqiyya: Jurnal Kajian Hukum dan Studi Islam
Vol. 8 No. 1 (2026)

Digital Cash Waqf and Legal Transformation in Indonesia: Harmonizing Islamic Philanthropy with Positive Law

Qorri Maftukhah (Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto)
Latazalina Aisyah Nahdoh (Institut Imam Nafie Tangier Marocco)



Article Info

Publish Date
16 May 2026

Abstract

The rapid development of financial technology has transformed the management and distribution of Islamic philanthropic instruments, including cash waqf in Indonesia. Digital cash waqf has emerged as an innovative mechanism that enhances accessibility, transparency, and public participation in waqf practices through online platforms and financial technology systems. This study examines the legal transformation of digital cash waqf in Indonesia by analyzing the relationship between Islamic law principles and the national positive legal framework governing waqf management. Using a normative juridical approach combined with conceptual and statutory analysis, this research explores the harmonization between Sharī‘ah principles, Law Number 41 of 2004 concerning Waqf, and contemporary financial regulations related to digital transactions and fintech governance. The findings demonstrate that digital cash waqf possesses significant potential to strengthen Islamic social finance, promote financial inclusion, and support sustainable socio-economic development. Nevertheless, challenges remain regarding legal certainty, institutional supervision, digital literacy, cybersecurity, and Sharī‘ah compliance in digital waqf operations. The study argues that strengthening regulatory integration and adaptive legal governance is essential to optimize digital cash waqf in Indonesia. Furthermore, collaboration between state institutions, Islamic authorities, and financial technology providers is necessary to ensure accountable, transparent, and sustainable digital waqf management within the national legal system.

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Journal Info

Abbrev

khuluqiyya

Publisher

Subject

Religion Humanities Education Nursing Public Health

Description

Jurnal Khuluqiyya diterbitkan oleh Sekolah Tinggi Agama Islam Al-Hikmah 2 sebagai media untuk menyalurkan pemahaman tentang hukum dan studi Islam berupa hasil penelitian lapangan atau laboratorium maupun studi pustaka. Khuluqiyya secara etimologi berarti hukum-hukum yang berkenaan dengan akhlak. ...