Abstract
Research data from the Center for Strategic Studies of Baznas on Zakat Mapping Potential Indicators (IPPZ), which analyzes the calculation of zakat potential based on sectoral and regional zakat objects, shows that Indonesia has the potential for zakat of IDR 233.8 trillion in 2019. However, only 3.5 percent of them can be managed. Therefore, Baznas has collaborated with fintech but it is not yet based on sharia. This study uses the Islamic Economic Research Method (Muamalah) with a descriptive normative approach. The results showed that the digitalization of ZISWAF through fintech was effective and the results exceeded the target. On the other hand, according to some scholars, several forms of fintech operations contain non-Islamic elements. Therefore, the Baznas agreement must explicitly state that fintech should separate ZISWAF funds from other fintech user funds so that they are not considered as float funds to be placed in BI; and do not utilize ZISWAF funds. Neither Baznas, muzakki, nor mustahik can benefit from depositing funds. Sharia fintech is a practical solution for UPZ Masjid to increase zakat inclusion. Unfortunately, Indonesia has no regulations related to sharia fintech.
Fintech Syariah Sebagai Solusi Kepatuhan Syariah Dalam Pengoptimalan Pengelolaan Ziswaf Masjid Berbasis Elektronik
Abstrak
Data penelitian Pusat Kajian Strategi Baznas tentang Indikator Potensi Pemetaan Zakat (IPPZ) yang menganalisis perhitungan potensi zakat berdasarkan objek zakat sektoral maupun regional menunjukan bahwa Indonesia memiliki potensi zakat mencapai nilai Rp233.8 Triliun pada tahun 2019 namun hanya 3,5 persen yang dapat dikelola, oleh karenanya Baznas telah melakukan kerjasama dengan fintech namun belum berbasis syariah. Penelitian ini menggunakan Metode Penelitian Ekonomi Islam (Muamalah) dengan pendekatan deskriptif normatif. Hasil penelitian menunjukkan bahwa digitalisasi ZISWAF melalui fintech berjalan efektif dengan hasil penghimpunan melampaui target namun menurut sebagian ulama, beberapa bentuk operasional fintech mengandung unsur yang melanggar prinsip syariah, oleh karenanya, dalam perjanjian Baznas harus secara tegas menyebutkan agar fintech memisahkan dana ZISWAF dengan dana pengguna fintech lain sehingga tidak dipertimbangkan sebagai dana float yang akan ditempatkan pada BI, tidak mendayagunakan dana ZISWAF, serta baik Baznas, muzakki maupun mustahik tidak mengambil keuntungan dari pendepositan dana, Fintech Syariah merupakan solusi praktis bagi UPZ Masjid agar dapat meningkatkan inklusi zakat, namun di Indonesia belum ada regulasi terkait fintech syariah.
Kata Kunci: baznas, fintech syariah, ziswaf masjid.
Recommended Citation
Pati, Umi Khaerah; Pujiyono, Pujiyono; and Pranoto, Pranoto
(2021)
"Sharia Fintech as a Sharia Compliance Solution in the Optimization of Electronic-Based Mosque’s Ziswaf Management,"
Padjadjaran Jurnal Ilmu Hukum (Journal of Law): Vol. 8:
No.
1, Article 5.
DOI: https://doi.org/10.22304/pjih.v8n1.a3
Available at:
https://journal.unpad.ac.id/pjih/vol8/iss1/5
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DOI
https://doi.org/10.22304/pjih.v8n1.a3
