Transformasi Zakat Digital: Peran Teknologi, Kepercayaan, dan Nilai Syariah

Abstrak

The way society fulfills zakat is changing by digital transformation. Digital platforms offer convenience, efficiency, and transparency in the management of zakat. However, the level of acceptance and use of digital zakat is still not commensurate with the available national zakat potential. Purpose of this research is to analyze the acceptance and sustainability of digital zakat usage through the integration of the Technology Acceptance Model, trust, and maqashid al-syariah from the perspective of Islamic economics and finance. The research uses a literature study method with a qualitative-descriptive approach. Results of this study show that perceived ease of use, perceived usefulness, trust, transparency, system security, and religious values based on maqashid al-shariah are the main factors influencing the acceptance of digital zakat. The integration of Technology Acceptance Model and maqashid al-shariah produces a more comprehensive conceptual framework in explaining user behavior compared to a purely technological approach. In addition to improving the efficiency of zakat collection and distribution, zakat digitalization also contributes to the enhancement of sharia financial inclusion, economic equity, and the achievement of social welfare. This research provides a theoretical contribution by strengthening the technology acceptance model in the context of Islamic economics, as well as a practical contribution for zakat management institutions in developing more effective, trustworthy, and sustainable digital strategies.