Conceptual and Philosophical Exploration of Zakat, Infak, Sedekah, and Wakaf (ZISWAF): A Multidisciplinary Analysis

Abstract

Zakat, Infaq, Sedekah, and Wakaf (ZISWAF) are important instruments in the Islamic economic system that play a strategic role in creating social welfare and justice. ZISWAF not only functions as individual worship, but also as a means of wealth distribution and economic empowerment of the people. This article aims to explain the definition, legal basis, philosophy, and management of ZISWAF, and analyze the problems in its implementation in Indonesia. The study was conducted through a descriptive-analytical approach with a literature review of Islamic legal sources, laws and regulations, and related research results. The results of the study show that although the potential of ZISWAF in Indonesia is enormous, its management still faces various obsitacles, such as weak regulations, low public literacy, and limited professionalism of management institutions. Therefore, optimizing the management of ZISWAF through digitalization, transparency, and sharia-based management is the key to increasing its effectiveness as an instrument of economic empowerment for the community.