Sharia Crowdfunding as an Innovative Model for Islamic Philanthropy Development
DOI:
https://doi.org/10.33511/almizan.v10n2.248-259Keywords:
Sharia crowdfunding, Islamic philanthropy, cash waqf, digital accountabilityAbstract
Rapid growth in Islamic financial technology has accelerated the digital transformation of Islamic philanthropy, particularly in the management of zakat, almsgiving, charity, and waqf funds. However, conventional philanthropic models continue to face challenges, including short-term charitable approaches, unequal benefit distribution, and limited transparency that undermine public trust. This article aims to analyze the operational mechanisms and Sharia contractual schemes of Islamic philanthropic crowdfunding, identify innovative philanthropic product typologies, and evaluate the implementation of Sharia compliance, transparency, and digital accountability on Islamic crowdfunding platforms in Indonesia. The study employs a qualitative approach using content analysis. Data were obtained from documents, reports, and digital information available on Kitabisa.com, Jadiberkah.id, and Dompet Dhuafa, supported by relevant academic literature. Analysis findings reveal that Sharia crowdfunding has evolved into a digital philanthropy model that integrates social welfare objectives with economic empowerment under the supervision of a Sharia Supervisory Board. Three major product typologies were identified: digital charitable philanthropy, sustainable social investment based on Cash Waqf Linked Crowdfunding, and a hybrid layering capital model. The findings imply that Sharia crowdfunding can strengthen the effectiveness, accountability, and sustainability of the Islamic philanthropy ecosystem in the digital era.
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