Pengaruh transformasi digital dalam filantropi islam terhadap inklusi keuangan syariah
Keywords:
Digital Transformation, Islamic Philanthropy, Inclusion, Islamic FinancialAbstract
Indonesia, as the country with the largest Muslim population in the world, has enormous potential in Islamic philanthropy; however, the realization of ZISWAF (zakat, infaq, sadaqah, and waqf) collection remains far below its potential. The low Islamic financial inclusion index, which only reaches 12.88%, represents a structural challenge that needs to be addressed promptly. This study aims to analyze the role of digital transformation in Islamic philanthropy toward enhancing Islamic financial inclusion in Indonesia. This study employs a qualitative method with a literature review approach through systematic searches on Google Scholar, Portal Garuda, and official reports from BAZNAS, OJK, Bank Indonesia, and KNEKS. The digitalization of ZISWAF has been proven to serve as a financial gateway that encourages the public, particularly the unbanked and underbanked groups, to recognize and access the Islamic financial ecosystem more broadly, transparently, and inclusively. The success of digitalization still requires synergy among Islamic philanthropy institutions, Islamic financial institutions, the government, and the community to ensure optimal and sustainable implementation.
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