Transformasi Zakat melalui Aplikasi Digtal: Upaya Membangun Literasi Keuangan Syariah di Era 5.0
DOI:
https://doi.org/10.37630/jpi.v15i4.3724Keywords:
Zakat Digital, Literasi Keuangan Syariah, Aplikasi Zakat, Society 5.0, Transformasi ZakatAbstract
Penelitian ini bertujuan untuk menganalisis kontribusi transformasi zakat melalui aplikasi digital dalam membangun literasi keuangan syariah di era Society 5.0, sekaligus mengidentifikasi hambatan dan peluang implementasinya di tingkat masyarakat dan lembaga zakat. Fokus kajian diarahkan pada bagaimana pemanfaatan teknologi digital tidak hanya berfungsi sebagai sarana transaksi, tetapi juga sebagai medium edukatif yang membentuk pemahaman, sikap, dan perilaku keuangan umat Islam sesuai dengan prinsip syariah. Metode yang digunakan adalah penelitian kualitatif dengan jenis penelitian lapangan (field research). Data dikumpulkan melalui observasi langsung terhadap praktik pengelolaan zakat berbasis aplikasi, wawancara mendalam dengan pengelola lembaga zakat dan pengguna aplikasi zakat digital, serta dokumentasi terkait sistem, fitur, dan laporan pengelolaan zakat. Pendekatan ini memungkinkan peneliti memahami pengalaman subjektif, persepsi, serta dinamika sosial yang muncul dalam proses transformasi zakat digital. Hasil penelitian menunjukkan bahwa aplikasi zakat digital berkontribusi signifikan dalam meningkatkan transparansi pengelolaan dana, efisiensi penghimpunan dan pendistribusian zakat, serta kesadaran religius muzakki. Namun, efektivitas transformasi tersebut sangat ditentukan oleh tingkat literasi digital dan literasi keuangan syariah pengguna, kesiapan sumber daya manusia dan infrastruktur teknologi lembaga zakat, keamanan serta perlindungan data, dan dukungan regulasi yang jelas. Temuan lain menunjukkan bahwa keberadaan fitur edukatif dalam aplikasi zakat berperan penting dalam memperluas pemahaman zakat sebagai instrumen keadilan sosial dan pemberdayaan, bukan semata kewajiban finansial. Secara keseluruhan, penelitian ini menegaskan bahwa transformasi zakat digital akan berjalan optimal apabila disertai penguatan literasi keuangan syariah yang sistemik, inklusif, dan berkelanjutan.
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