The Role of E-Payment in Increasing the Effectiveness of Zakat, Infaq, and Sedekah: A Literature Study
Nur Zakiya Hafizhah(a*), Imron Mawardi(b), Tanza Dona Pertiwi(b), Rohmatul Farohah Kholison(b)

a. Faculty of Economisc and Business, Universitas Airlangga

Abstract

Zakat, infaq, and alms are practices in Islamic philanthropy that have an important role in the distribution of wealth. E-payment, or electronic payment, has become a technological innovation that has changed the landscape of collecting and distributing zakat, infaq, and Sedekah (ZIS) in the context of Islamic philanthropic practices. This literature study aims to examine the key role played by e-payment in increasing the effectiveness and efficiency of ZIS programs by reviewing various research studies that have been conducted in this field. The results of this literature study show that e-payment has become a driving force in increasing the effectiveness of ZIS practices, helping to overcome several obstacles that exist in the collection and distribution of funds at lower costs. Besides that, e-payment is also more transparent in terms of fund management purposes, and e-payment can increase awareness and education through programs delivered online. However, challenges such as community culture, data protection, and regulations remain important factors in developing sustainable ZIS practices in the digital era.

Keywords: E-Payment, Zakat, Infaq, Sedekah, Effectiveness, Literature Study

Topic: Islamic social finance