Zakat Optimization With Financial Technology

Abstract

Indonesia's majority Muslim population is a very potential subject of zakat. Zakat is one of the pillars of Islam that must be fulfilled and has the character of social humanity . The phenomenon that has occurred so far is that the large potential zakat cannot be realized according to the target. Zakat collection and distribution institutions in Indonesia consist of the Amil Zakat Agency (BAZ) and the Amil Zakat Institution (LAZ) which bridge muzakki and mustahik in making qabul zakat consent. The method used is qualitative research, by conducting interviews with informants from BAZ and LAZ who use financial technology in Bandung which was held from May to July 2020. The data test used was the Triangulation Technique and the data were analyzed inductively. This study aims to obtain an overview of several phenomena that occur in optimizing the potential for zakat where financial technology (fintech) is the media. The results showed that BAZ and LAZ have utilized financial technology in optimizing the potential for zakat to achieve the set targets. There has been a shift from traditional to digitalization of services through technology resulting in an expansion of the community coverage area which has an impact on increasing the collection and distribution of zakat. The ease of paying zakat online is another finding of this research, including not coming to the OPZ office, a process that is easier, faster, more economical and more affordable for muzakki.