PERAN BLOCKCHAIN TERHADAP EFISIENSI PENGELOLAAN ZAKAT FITRAH DAN MAL

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Published Dec 20, 2024
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Vol. 2 No. 3 (2024): JEKIS

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Pratama Adi Suganda
a:1:{s:5:"en_US";s:31:"UIN Syarif Hidayatullah Jakarta";}
Muhammad Habib Maulana
UIN Syarif Hidayatullah Jakarta
Nashifa Putri Maheswari
UIN Syarif Hidayatullah Jakarta
Zhahara Safira Ramadhan
UIN Syarif Hidayatullah Jakarta

Abstract

Potensi zakat yang begitu besar di Indonesia, menjadi salah satu instrumen utama dalam mengurangi kesenjangan dan kemiskinan, akan tetapi pengelolaannya masih belum optimal.. Penelitian ini bertujuan untuk mengidentifikasi secara mendalam peran dan skema teknologi blockchain yang berfokus pada efisiensi pengelolaan zakat fitrah dan mal. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan studi pustaka sebagai teknik pengumpulan datanya, adapun jenis data yang digunakan adalah data sekunder. Hasil penelitian ini menunjukkan adanya peran blockchain yang signifikan dalam pengelolaan zakat fitrah dan mal, dimana muzakki dapat melihat rangkaian proses dari penghimpunan hingga penyaluran zakat tanpa melibatkan banyak perantara seperti pengelolaan zakat tradisional, dengan ini biaya operasional dapat dipangkas menjadi 5% yang semula menelan biaya sebesar 10%, pemangkasan biaya ini akan meningkatkan jumlah dana yang akan didistribusikan, waktu pengelolaan menjadi singkat, kepercayaan dan kepuasan masyarakat meningkat. Setidaknya ada 3 lembaga yang menerapkannya, seperti Desto Fintech, Blossom Finance, dan Baitul Mal Hidayatullah. Dengan adanya penelitian ini, diharapkan dapat bermanfaat bagi semua stakeholders zakat dalam upaya optimalisasi pengelolaan zakat yang lebih baik, transparan, dan efisien.


 


The huge potential of zakat in Indonesia has become one of the main instruments in reducing inequality and poverty, but its management is still not optimal. This research aims to identify in depth the role and scheme of blockchain technology that focuses on the efficiency of managing zakat fitrah and mal. This research uses a descriptive qualitative approach with literature study as the data collection technique, while the type of data used is secondary data. The results of this study indicate a significant role of blockchain in the management of zakat fitrah and mal, where muzakki can see the series of processes from collecting to distributing zakat without involving many intermediaries such as traditional zakat management, with this operational cost can be cut to 5% which originally cost 10%, this cost cutting will increase the amount of funds to be distributed, management time becomes short, public trust and satisfaction increase. There are at least 3 institutions that implement it, such as Desto Fintech, Blossom Finance, and Baitul Mal Hidayatullah. With this research, it is hoped that it can be useful for all zakat stakeholders in an effort to optimise better, transparent and efficient zakat management.

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How to Cite
Suganda, P. A., Muhammad Habib Maulana, Nashifa Putri Maheswari, & Zhahara Safira Ramadhan. (2024). PERAN BLOCKCHAIN TERHADAP EFISIENSI PENGELOLAAN ZAKAT FITRAH DAN MAL. JEKIS: Jurnal Ekonomi Islam, 2(3). Retrieved from https://ejournal.stai-mifda.ac.id/index.php/jekis/article/view/770

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