Analisis Kesiapan Regulasi Zakat dan Wakaf dalam Menghadapi Transformasi Digital: Perspektif Fiqh dan Kebijakan Publik

Abstract

This study investigates the challenges in harmonizing Islamic jurisprudence (fiqh) and public policy regarding the regulation of digital zakat and waqf in Indonesia. A significant issue identified is the lack of preparedness within national regulatory frameworks, which currently do not explicitly accommodate the mechanisms of digitalization. Furthermore, a fundamental disparity exists between the adaptable nature of sharia law and the formalistic, rigid characteristics of public regulations. The research aims to explore these barriers and offer strategic recommendations for formulating regulations that are both adaptive to technological advancements and compliant with Islamic principles. Employing a qualitative approach, the study utilizes literature review and policy analysis methods, integrating legal documents, fiqh fatwas, empirical data from relevant institutions, and a survey of perspectives from Islamic scholars and technology practitioners. The findings reveal that while Indonesia's legal infrastructure for zakat and waqf is well-established, it remains insufficiently responsive to emerging digital technologies. As a result, regulatory revisions and multi-stakeholder collaboration are essential to foster a reliable, transparent, and sustainable digital ecosystem. This study contributes to the discourse on Islamic financial governance by highlighting the regulatory gap in digital zakat and waqf management. It provides a conceptual framework and practical recommendations for policymakers to align sharia principles with technological innovations, thereby supporting the development of inclusive and forward-looking Islamic digital finance in Indonesia