Peran teknologi mobile payment terhadap transparansi pengelolaan zakat di indonesia pada era cashless society

Authors

  • Putri Cahya Dewi Universitas Islam Negri Maulana Malik Ibrahim Malang
  • Guntur Kusuma Wardana Universitas Islam Negri Maulana Malik Ibrahim Malang

Keywords:

zakat, mobile payment, cashless society, security, system strengthening, indonesia

Abstract

The development of digital technology has encouraged changes in Indonesian society toward the cashless society era. One of the growing innovations is mobile payment such as e-wallets, mobile banking, and QRIS. This technology is used in zakat management to facilitate payments and improve fund transparency. This article aims to analyze the role of mobile payment in the transparency of zakat management in Indonesia. The method used is a literature study through journals, books, and official reports. The results show that mobile payment can accelerate transactions, simplify financial recording, provide digital payment proof, and increase public trust in zakat institutions. However, challenges remain, including low digital literacy, limited internet access, and data security risks. Therefore, public education and stronger security systems are needed so that digital zakat management can run optimally, transparently, and accountably.

Downloads

Download data is not yet available.

References

Ahimsa, E. A., Sudarsono, H., Ghoni, M. A., & Affandi, M. T. (2023). Understanding muzaki adoption of digital zakat payments in Indonesia. Review of Islamic Social Finance and Entrepreneurship, 2(2), 182–193. https://doi.org/10.20885/RISFE.vol2.iss2.art7

Aisyah, S., & Wardana, G. K. (2022). Faktor-faktor yang mempengaruhi minat masyarakat Rejoso dalam membayar zakat di BAZNAS. http://etheses.uin-malang.ac.id/id/eprint/27907

Alfarizi, M. (2021). Digitalisasi zakat: Peran mobile payment dalam efektivitas penghimpunan dana zakat. Jurnal Ekonomi Syariah, 5(1), 33–45.

Djalaluddin, A. (2023). Implementation of PSAK 109 Concerning Reporting of Zakat Funds, Infaq/Alms at the National Amil Zakat Agency for Malang City. Proceedings of The 9th International Conference of Islamic Economics and Business (ICONIES). https://repository.uin-malang.ac.id/16145/

Kasri, R. A., & Sosianti, M. W. (2023). Determinants of the intention to pay zakat online: The case of Indonesia. Journal of Islamic Monetary Economics and Finance, 9(2), 275–294. https://doi.org/10.21098/jimf.v9i2.1664

Kusuma Wardana, G., & Syahgaria Firdaus, V. (2026). APAKAH DIGITALISASI MEMITIGASI RISIKO PEMBIAYAAN PADA BANK SYARIAH SECARA GLOBAL ? Journal of Sharia Economics. https://doi.org/10.22373/jose.v7i1.9809

Maimuna, A., Rahman, F., & Hidayat, R. (2025). Potensi dan realisasi zakat nasional: Analisis faktor penghambat. Jurnal Ekonomi Islam, 10(2), 115–128.

Nur Asnawi, Fatimatuz Zahroh, & Meldona Meldona. (2024). Innovation in the Management of ZIS (Zakat, Infaq and Shadaqah) in the Zakat Collecting Unit (UPZ) IAIN Madura. International Journal of Management Research and Economics, 2(3), 305–317. https://doi.org/10.54066/ijmre-itb.v2i3.2063

Soleha, N., Pratama, Y., & Azizah, L. (2024). Faktor-faktor yang mempengaruhi minat muzaki dalam menyalurkan zakat melalui lembaga resmi. Jurnal Manajemen Zakat, 7(1), 55–70.

Syaifulloh, M. (2024). Transparansi dan akuntabilitas lembaga amil zakat: Perspektif muzaki. Jurnal Akuntansi Syariah, 6(2), 89–102.

Wardana, G. K. (2023). Bukti pengeluaran zakat perusahaan pada bank syariah di Asia Tenggara: profitabilitas dan likuiditas. Perisai: Islamic Banking and Finance Journal, 7(1), 92–106. https://repository.uin-malang.ac.id/14330/

Wulandari, D., Hasanah, R., & Putra, A. (2025). Digitalisasi zakat dan kepercayaan publik terhadap lembaga amil zakat. Jurnal Ekonomi Dan Bisnis Islam, 8(1), 77–92.

Published

2026-06-19

How to Cite

Dewi, P. C., & Wardana, G. K. (2026). Peran teknologi mobile payment terhadap transparansi pengelolaan zakat di indonesia pada era cashless society. Maliki Interdisciplinary Journal, 4(9), 245–251. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/28000

Issue

Section

Articles

Most read articles by the same author(s)

> >>