Overview the Law of Zakat Payment Uses Fintech in Islamic Perspective

Abstract

The current development of technology 4.0 has made many major changes, especially in the transaction model. The presence of Financial Technology (Fintech) has transformed cash transactions into a non-cash transaction model that can be done without having to meet face to face. This gives people the convenience of making transactions. Not only in transactions of economic activity, but also non-cash payment through Fintech have been used in paying zakat. The purpose of this research is to find out how the laws of Fintech are used to pay zakat. In this study, the authors used a literature study research method, namely by searching for documents such as national and international journals, books, and websites related to research. The results of the analysis using the nine principles of Islamic law conclude that legal fintech itself is allowed as long as the transaction does not contradict sharia principles and does not contain elements of danger. AbstrakPerkembangan teknologi 4.0 saat ini telah banyak membuat perubahan besar, terutama pada model transaksi. Hadirnya Financial Teknology (Fintech) merubah transaksi yang secara tunai ke model transaksi nontunai yang dapat dilakukan tanpa harus bertatap muka. Ini memberikan masyarakat kemudahan dalam melakukan transaksi. Tidak hanya dalam transaksi kegiatan perekonomian, namun juga pembayaran nontunai melalui Fintech telah digunakan dalam pembayaran zakat. Tujuan dari pada penelitian ini adalah untuk mengetahui bagaimana hukum penggunaan transaksi pada Fintech yang digunakan untuk membayar zakat. Dalam penelitian ini penulis menggunakan metode penelitian studi pustaka yaitu dengan mencari dokumen seperti Jurnal nasional dan internasional, buku, dan website yang berkaitan dengan penelitian. Hasil analisa menggunakan sembilan kaidah hukum Islam menyimpulkan bahwa Fintech hukum itu sendiri perbolehkan selama transaksi tidak bertentangan dengan prinsip syariah dan tidak mengandung unsur bahaya.

Analysis of Islamic Legal Study on Financial Technology Transactions: Maqashid Sharia Perspective

“…In Indonesia, current Sharia-compliant Fintech startups include Investree, Start Zakat, Indves, SyarQ, Mari Usaha (P2P), among others. (Ghofur & Ichwan, 2020) Although Sharia-compliant Fintech has started to grow, the number of conventional Fintech companies still surpasses Sharia-compliant Fintech.…”

Interests of Muzaki to Pay Zakat: The Role of Accountability, Transparency, Service Quality, and Financial Technology

“…Financial technology or fintech results from a combination of financial services and technology that ultimately changes the business model from conventional to moderate, which initially pays face-to-face and carries a certain amount of cash, can now make long-distance transactions by making payments that can be made in seconds (Zahroh, 2019). Ghofur and Ichwan (2020) explained that fintech had changed transactions in paying zakat from cash to non-cash, which allows interaction with muzaki without having to meet face-to-face.…”

“…According to Lin (2015), fintech is an innovative tool capable of increasing competitiveness in financial services (Abdul Ghofur & Ichwan, 2020).…”