Jurnal Ekonomi Syariah
Vol. 6 No. 2 (2025): Agustus 2025

STRATEGI MANAJEMEN RISIKO DAN TRANSPARANSI DALAM OPTIMALISASI PENGELOLAAN WAKAF UANG DIGITAL

Ainur Rohmah (Universitas KH. Mukhtar Syafaat Blokagung Banyuwangi)
Nani Hanifah (IAIN Fattahul Muluk Papua)



Article Info

Publish Date
01 Aug 2025

Abstract

Digital cash waqf in Indonesia has great potential but low realization due to a public trust crisis caused by weak risk management and lack of transparency. This study aims to formulate a conceptual model integrating risk management and transparency strategies. Using a Systematic Literature Review (SLR) method based on PRISMA from 2020–2026 journals, five main risks were identified: operational, fund distribution, legal & sharia compliance, financial, and cyber. Mitigation strategies include diversification, cybersecurity, blockchain, regulatory compliance, and contingency planning. Transparency is implemented through three pillars: pre-transaction, transaction, and post-transaction. The integrated model of risk management, transparency, and good governance is key to optimization. The study concludes that optimizing digital cash waqf requires simultaneous integration supported by consistent regulation and improved digital literacy.

Copyrights © 2025






Journal Info

Abbrev

JESDar

Publisher

Subject

Economics, Econometrics & Finance

Description

Journal of Islamic Economics Darussalam is a periodical journal published by Islamic Economics Study Program, Faculty of Islamic Economics and Business, Darussalam Islamic Institute, Blokagung Banyuwangi. This journal specializes in the study of sharia economics, sharia business management, ...