Efektivitas Pembayaran Zakat, Infak, Sedekah, dan Wakaf (ZISWAF) melalui QRIS Dompet Dhuafa dalam Perspektif Ekonomi Syariah

Abstrak

The development of digital financial technology is driving changes in people's payment patterns, including in the distribution of zakat, infaq, sedekah, and waqf (ZISWAF). Dompet Dhuafa implements Quick Response Code Indonesian Standard (QRIS)-based payments to facilitate social fund collection. This study aims to analyze the effectiveness of QRIS use in ZISWAF payments and review its compliance with sharia economic principles. The research method used is qualitative through a literature study by reviewing related literature and documents. The results show that QRIS provides easy access, speeds transactions, and increases transparency in fund management because each transaction is recorded digitally. This has an impact on increasing trust and participation of muzakki in paying ZISWAF. From a sharia perspective, the payment mechanism through QRIS is considered legitimate because it does not contain elements of usury, gharar, or maysir and supports the principle of benefit. However, digital literacy and infrastructure availability remain challenges that need to be considered to optimize its implementation.