The Application Of Sharia Financial Technology In Collecting Cash Waqf At The Indonesian Waqf Board Of Belitung Regency

Abstract

This research aims to explain the application of Islamic financial technology (fintech) in the collection of cash waqf at the Indonesian Waqf Board (BWI) in Belitung Regency, as well as to explore its effectiveness in increasing community participation, improving management efficiency, and enhancing the accountability of waqf fund administration in accordance with Sharia principles. This study adopts a qualitative approach with a case study design. The research is descriptive in nature, aiming to provide an in-depth and factual depiction of the phenomenon based on real conditions in the field. The main data in this research was obtained directly through interviews and observations of relevant stakeholders. The population includes the management of the Indonesian Waqf Board (BWI) in Belitung Regency and community members who are the targets of cash waqf socialization. Informants were chosen using purposive sampling techniques. Data was collected through in-depth interviews. The data was analyzed using qualitative analysis techniques following the Miles and Huberman model. The findings reveal that the use of Islamic fintech has the potential to increase community participation, expand the reach of waqf collection, and strengthen accountability in the management of waqf funds. However, its effectiveness remains limited due to inadequate socialization and public education. Current socialization efforts, such as those conducted during religious gatherings (majelis taklim), are still local and have not spread widely. Therefore, the research recommends that BWI continue to develop an integrated and secure Islamic fintech system that fully adheres to Sharia principles