Main Article Content
Abstract
Purpose – This study aims (i) to analyze the readiness of zakat management institutions in zakat digitalization and (ii) to analyze the problems and solutions in managing zakat funds through digital platforms.
Methodology – The study used two methods, called the interview and the Delphi-ANP methods. The data used in this study were the results of interviews with zakat managers (OPZ) in South Kalimantan (BAZNAS and LAZNAS). Besides practitioners, it also involved experts from various universities in South Kalimantan.
Findings – The results showed that most zakat institutions in South Kalimantan, Most zakat institutions have a good understanding and readiness to shift to digital platforms. Based on the analysis of problems and solutions in using digital platforms in zakat management, the study found alternative priority problems and solutions for zakat institutions. The problems and solutions covered human resources, IT, institution management and socialization and communication, muzakki, society, government and digitization. In particular, the main cluster of priority problems was management, and the main cluster of priority solutions included human resources.
Originality – The researchers reviewed several studies that explained problems and theories of zakat management through digital platforms. However, there is still seemingly no study reviewing problems to manage zakat funds through digital platforms provided by zakat institutions.
Practical implications – This research shows that OPZ needs to recruit IT and Digital Marketing people. In addition, it suggests OPZ designs and creates crowdfunding, e-wallet, e-commerce, website, and social media. Following that, OPZ should do digital planning for zakat collection and training conducted by BAZNAS Province and Center to OPZ periodically. They also need to establish a partnership with scholars (Ulama) and the government agencies to increase the payment zakat digitally.
Keywords
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Copyright (c) 2022 Sri Maulida, Fahmi Al Amruzi, Budi Rahmat Hakim
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References
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- Aziz, M. R. A., & Anim, N. A. H. M. (2020). Trust towards zakat institutions among muslims business owners. Jurnal Ekonomi & Keuangan Islam, 6(1), 1–9. https://doi.org/10.20885/jeki.vol6.iss1.art1
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- Cholifah, U. (2019). Islam in digital age: The application of maqāsid as-syari’ah on digital zakat. Fikri : Jurnal Kajian Agama, Sosial dan Budaya, 4(1), 101–112. https://doi.org/10.25217/jf.v4i1.445
- Dalkey, N., & Helmer, O. (1963). An experimental application of the Delphi method to the use of experts. Management Science, 9, 458–467. https://doi.org/doi:10.1287/mnsc.9.3.458
- Fahlefi, R. (2018). Inklusi keuangan syariah melalui inovasi fintech di sektor filantropi. Batusangkar International Conference III, 205–212. https://ojs.iainbatusangkar.ac.id/ojs/index.php/proceedings/article/view/1556
- Fauzia, A. (2020). Covid-19 dan berkah zakat online di Indonesia. Forum Zakat. https://forumzakat.org/covid-19-dan-berkah-zakat-online-di-indonesia/
- Friantoro, D., & Zaki, K. (2019). Do we need financial technology for collecting zakat? International Conference of Zakat. https://doi.org/https://doi.org/10.37706/iconz.2018.133
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- Herman, H. (2019). Strategi komunikasi pengelolaan zakat, infak, dan sedekah (zis) melalui media sosial. Communicatus: Jurnal Ilmu Komunikasi, 1(2), 53–70. https://doi.org/10.15575/cjik.v1i2.4833
- Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020). Peluang dan tantangan fintech (financial technology) syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 326–333. https://doi.org/10.29040/jiei.v5i3.578
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- Humas Baznas. (2020). BAZNAS ajak masyarakat zakat digital. Badan Amil Zakat Nasional https://baznas.go.id/Press_Release/baca/BAZNAS_Ajak_Masyarakat_Zakat_Digital/531
- Ibrahim, M. I., & Septiani, W. D. (2017). Sistem informasi penerimaan donasi (Studi kasus: Yayasan Sahabat Yatim Indonesia). Jurnal Ilmu Pengetahuan dan Teknologi Komputer, 3(1), 87–94. https://ejournal.nusamandiri.ac.id/index.php/jitk/article/view/365
- Maulana, G., & Syam, H. M. (2019). Pemanfaatan media sosial instagram sebagai sarana penggalangan dana (fundraising) oleh lembaga aksi cepat tanggap Aceh. Jurnal Komunikasi, 4, 16. http://jim.unsyiah.ac.id/FISIP/article/view/11491
- Mutula, S. M., & van Brakel, P. (2006). An evaluation of e-readiness assessment tools with respect to information access: Towards an integrated information rich tool. International Journal of Information Management, 26(3), 212–223. https://doi.org/10.1016/J.IJINFOMGT.2006.02.004
- Piliyanti, I. (2019). Fintech achieving sustainable development: The side perspective of crowdfunding platform. Shirkah: Journal of Economics and Business, 3(2). https://doi.org/10.22515/shirkah.v3i2.207
- Profatilov, D. A., Bykova, O. N., & Olkhovskaya, M. O. (2015). Crowdfunding: Online charity or a modern tool for innovative projects implementation? Asian Social Science, 11(3), 146–151. https://doi.org/10.5539/ass.v11n3p146
- Pusat Kajian Strategis BAZNAS. (2020). Outlook zakat nasional 2020. Pusat Kajian Strategis BAZNAS. https://www.puskasbaznas.com/publications/books/1113-outlook-zakat-indonesia-2020
- Qardhawi, Y. (1997). Fikh Al Zakah. Libanon: Muassasah Al Risalah.
- Rachman, M. A., & Salam, A. N. (2018). The reinforcement of zakat management through financial technology systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/https://doi.org/10.37706/ijaz.v3i1.68
- Rahmatika, A. N., & Hariono, T. (2019). Risk management of zakat maal supervision in the fintech era based on literature review. International Conference of Zakat. https://doi.org/10.37706/iconz.2018.130
- Rizki, D. (2019). A Peer-to-peer lending methods in management of zakat funds through sharia financial institutions. International Conference of Zakat, 25–40. https://doi.org/10.37706/iconz.2019.146
- Saaty, T. L. (2004). Decision making — The analytic hierarchy and network processes (AHP/ANP). Journal of Systems Science and Systems Engineering, 13, 1–35. https://doi.org/10.1007/s11518-006-0151-5
- Saaty, T. L., & Vargas, L. G. (2006). Decision making with the analytic network process: Economic, political, social and technological applications with benefits, opportunities, costs and risks. Springer Science Business Media. https://doi.org/10.1007/0-387-33987-6
- Santoso, I. R. (2019). Strategy for optimizing zakat digitalization in alleviation poverty in the era of industrial revolution 4.0. Ikonomika, 4(1), 35–52. https://doi.org/10.24042/febi.v4i1.3942
- Soekapdjo, S., Tribudhi, D. A., & Nugroho, L. (2019). Fintech di era digital untuk meningkatkan kinerja ZIS di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 137-144. https://doi.org/10.29040/jiei.v5i3.529
- Swandaru, R. (2019). Zakat management information system: E-service quality and its impact on zakat collection in Indonesia. International Journal of Zakat, 4(2), 41–72. https://doi.org/10.37706/ijaz.v4i2.190
- Ulya, N. U. (2019, February 19). Legal protection of donation-based crowdfunding zakat on financial technology: Digitalization of zakat under perspective of positive law and Islamic law (Conference session). International Conference of Zakat. Center of Strategic Studies BAZNAS Indonesia. https://doi.org/https://doi.org/10.37706/iconz.2018.132
References
Abror, A., & Hudayati, A. (2020). The effect of distributive justice on intention to pay zakat through zakat institutions using affective and cognitive trust as intervening variables. Jurnal Ekonomi & Keuangan Islam, 6(1), 24–33. https://doi.org/10.20885/jeki.vol6.iss1.art3
Aini, Z. N., Yuli, S. B. C., & Hakim, R. (2018). Perilaku muzakki dalam membayar zakat melalui transaksi non-tunai di lembaga inisiatif zakat Indonesia ( IZI ) Surabaya. Jurnal Ekonomi Syariah Iqtishodia, 3(1), 39–57. https://doi.org/https://doi.org/10.35897/iqtishodia.v3i1.163
Ascarya dan Yumanita, D. (2009). Formulasi indeks stabilitas keuangan dan peran perbankan syariah dalam sistem keuangan ganda di Indonesia (Working Paper). Center for Central Banking Education and Studies Bank Indonesia.
Ascarya, & Yumanita, D. (2018). Analisis rendahnya pengumpulan zakat di Indonesia dan alternatif solusinya (Working Paper No 9). Bank Indonesia. http://publication-bi.org/repec/idn/wpaper/WP92018.pdf
Aziz, M. R. A., & Anim, N. A. H. M. (2020). Trust towards zakat institutions among muslims business owners. Jurnal Ekonomi & Keuangan Islam, 6(1), 1–9. https://doi.org/10.20885/jeki.vol6.iss1.art1
Azizah, U. S. Al, & Choirin, M. (2019). Financial innovation on zakat distribution and economic growth. International Conference of Zakat. https://doi.org/10.37706/iconz.2018.115
Bariyah, N. O. N. (2016). Dinamika aspek hukum zakat dan wakaf di Indonesia. AHKAM : Jurnal Ilmu Syariah, 16(2), 197–212. https://doi.org/10.15408/ajis.v16i2.4450
Budiman, T., & Octora, R. (2019). Perlindungan hukum bagi donatur dalam kegiatan donation based crowdfunding secara online. Kertha Patrika; Vol 41 No 3 (2019). https://ojs.unud.ac.id/index.php/kerthapatrika/article/view/49699
Cholifah, U. (2019). Islam in digital age: The application of maqāsid as-syari’ah on digital zakat. Fikri : Jurnal Kajian Agama, Sosial dan Budaya, 4(1), 101–112. https://doi.org/10.25217/jf.v4i1.445
Dalkey, N., & Helmer, O. (1963). An experimental application of the Delphi method to the use of experts. Management Science, 9, 458–467. https://doi.org/doi:10.1287/mnsc.9.3.458
Fahlefi, R. (2018). Inklusi keuangan syariah melalui inovasi fintech di sektor filantropi. Batusangkar International Conference III, 205–212. https://ojs.iainbatusangkar.ac.id/ojs/index.php/proceedings/article/view/1556
Fauzia, A. (2020). Covid-19 dan berkah zakat online di Indonesia. Forum Zakat. https://forumzakat.org/covid-19-dan-berkah-zakat-online-di-indonesia/
Friantoro, D., & Zaki, K. (2019). Do we need financial technology for collecting zakat? International Conference of Zakat. https://doi.org/https://doi.org/10.37706/iconz.2018.133
Gumilang, R. C. (2020). Tinjauan hukum islam terhadap keabsahan pembayaran zakat yang dilakukan secara online yang berafiliasi dengan baznas menurut Imam Syafi’i. Dinamika, Jurnal Ilmiah Ilmu Hukum, 53(7), 929–939. https://doi.org/Https://10.24843/KP.2019.v41.i03.p04
Herman, H. (2019). Strategi komunikasi pengelolaan zakat, infak, dan sedekah (zis) melalui media sosial. Communicatus: Jurnal Ilmu Komunikasi, 1(2), 53–70. https://doi.org/10.15575/cjik.v1i2.4833
Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020). Peluang dan tantangan fintech (financial technology) syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 326–333. https://doi.org/10.29040/jiei.v5i3.578
Hsu, C.-C., & Sandford, B. A. (2007). The Delphi technique: Making sense of consensus. Practical Assessment, Research, and Evaluation, 12(10). https://doi.org/https://doi.org/10.7275/pdz9-th90
Humas Baznas. (2020). BAZNAS ajak masyarakat zakat digital. Badan Amil Zakat Nasional https://baznas.go.id/Press_Release/baca/BAZNAS_Ajak_Masyarakat_Zakat_Digital/531
Ibrahim, M. I., & Septiani, W. D. (2017). Sistem informasi penerimaan donasi (Studi kasus: Yayasan Sahabat Yatim Indonesia). Jurnal Ilmu Pengetahuan dan Teknologi Komputer, 3(1), 87–94. https://ejournal.nusamandiri.ac.id/index.php/jitk/article/view/365
Maulana, G., & Syam, H. M. (2019). Pemanfaatan media sosial instagram sebagai sarana penggalangan dana (fundraising) oleh lembaga aksi cepat tanggap Aceh. Jurnal Komunikasi, 4, 16. http://jim.unsyiah.ac.id/FISIP/article/view/11491
Mutula, S. M., & van Brakel, P. (2006). An evaluation of e-readiness assessment tools with respect to information access: Towards an integrated information rich tool. International Journal of Information Management, 26(3), 212–223. https://doi.org/10.1016/J.IJINFOMGT.2006.02.004
Piliyanti, I. (2019). Fintech achieving sustainable development: The side perspective of crowdfunding platform. Shirkah: Journal of Economics and Business, 3(2). https://doi.org/10.22515/shirkah.v3i2.207
Profatilov, D. A., Bykova, O. N., & Olkhovskaya, M. O. (2015). Crowdfunding: Online charity or a modern tool for innovative projects implementation? Asian Social Science, 11(3), 146–151. https://doi.org/10.5539/ass.v11n3p146
Pusat Kajian Strategis BAZNAS. (2020). Outlook zakat nasional 2020. Pusat Kajian Strategis BAZNAS. https://www.puskasbaznas.com/publications/books/1113-outlook-zakat-indonesia-2020
Qardhawi, Y. (1997). Fikh Al Zakah. Libanon: Muassasah Al Risalah.
Rachman, M. A., & Salam, A. N. (2018). The reinforcement of zakat management through financial technology systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/https://doi.org/10.37706/ijaz.v3i1.68
Rahmatika, A. N., & Hariono, T. (2019). Risk management of zakat maal supervision in the fintech era based on literature review. International Conference of Zakat. https://doi.org/10.37706/iconz.2018.130
Rizki, D. (2019). A Peer-to-peer lending methods in management of zakat funds through sharia financial institutions. International Conference of Zakat, 25–40. https://doi.org/10.37706/iconz.2019.146
Saaty, T. L. (2004). Decision making — The analytic hierarchy and network processes (AHP/ANP). Journal of Systems Science and Systems Engineering, 13, 1–35. https://doi.org/10.1007/s11518-006-0151-5
Saaty, T. L., & Vargas, L. G. (2006). Decision making with the analytic network process: Economic, political, social and technological applications with benefits, opportunities, costs and risks. Springer Science Business Media. https://doi.org/10.1007/0-387-33987-6
Santoso, I. R. (2019). Strategy for optimizing zakat digitalization in alleviation poverty in the era of industrial revolution 4.0. Ikonomika, 4(1), 35–52. https://doi.org/10.24042/febi.v4i1.3942
Soekapdjo, S., Tribudhi, D. A., & Nugroho, L. (2019). Fintech di era digital untuk meningkatkan kinerja ZIS di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 137-144. https://doi.org/10.29040/jiei.v5i3.529
Swandaru, R. (2019). Zakat management information system: E-service quality and its impact on zakat collection in Indonesia. International Journal of Zakat, 4(2), 41–72. https://doi.org/10.37706/ijaz.v4i2.190
Ulya, N. U. (2019, February 19). Legal protection of donation-based crowdfunding zakat on financial technology: Digitalization of zakat under perspective of positive law and Islamic law (Conference session). International Conference of Zakat. Center of Strategic Studies BAZNAS Indonesia. https://doi.org/https://doi.org/10.37706/iconz.2018.132