Modern Payment Solutions for Zakat Fitrah: a Shariah Legal Examination of Pay Later Systems in Marketplaces
DOI:
https://doi.org/10.21580/economica.2022.13.2.28792Keywords:
Digital Zakat, Islamic Fintech, Pay Later, Shariah Compliance, Zakat FitrahAbstract
This study examines the use of Pay Later systems offered by digital marketplaces, such as Gopay and Shopee, as a method for fulfilling zakat fitrah obligations. While financial technology has enhanced accessibility and efficiency in zakat management, its integration with credit-based instruments raises significant Shariah concerns. This study is contextualized from a qualitative approach that combines normative legal analysis with digital ethnography, exploring whether deferred payment models align with Islamic jurisprudence and the objectives of Shariah. We highlight findings that although Pay Later provides convenience for zakat payers, it introduces elements of debt that risk contradicting the principle of immediacy in zakat fitrah. Nonetheless, under certain circumstances, such as compliance with DSN-MUI regulations and avoidance of riba, Pay Later may be considered permissible as a means of fee. This paper contributes to the growing discourse on Islamic fintech by clarifying the legal and ethical boundaries of credit-based worship payments and offers practical recommendations for zakat institutions to collaborate with fintech providers while safeguarding the integrity of religious obligations.
Downloads
References
Ab Rahman, S. M., Setapa, M., Rusli, I. N. A., Nor Paizin, M., & Abdul Wahab, M. H. A.-A. (2021). Corporate Responsibility And Motivating Corporate Zakat Payment. Advances in Business Research International Journal, 7(2), 123. https://doi.org/10.24191/abrij.v7i2.12070
Abdullah bin Muhammad Ath- thayar. (2009). Ensiklopedi Fiqh Muamalah Dalam Pandangan 4 madzhab. Maktabah Al hanif
Abdullah Sani, A., Abd Samad, K., Saidina, A., Adanana, S. A., Bustamama, K. S., & Mamata, S. N. (2021). Enhancing the Role of Zakat Institutions Through Good Corporate Governance for Economic Sustainability: A Case from Majlis Agama Islam Melaka & Pusat Zakat Melaka. International Journal of Academic Research in Economics and Management Sciences, 10(3). https://doi.org/10.6007/IJAREMS/v10-i3/10984
Ahmad, N., Roslin, R. I., & Nazrin, N. F. S. (2021). Analysing the Drivers Affecting the Intention to Use Online Zakat Payment Among Muslim in Shah Alam, Selangor. International Journal of Islamic Business, 16(1), 32–48. https://doi.org/10.32890/ijib2021.6.1.3
Al Athar, M. D., & Al Arif, M. N. R. (2021). The Intention of Millennial Generation in Paying Zakat through Digital Payments. International Journal of Islamic Business and Economics (IJIBEC), 5(1), 38–47. https://doi.org/10.28918/ijibec.v5i1.3675
Alfiani, T., & Akbar, N. (2020). Exploring Strategies to Enhance Zakat Role to Support Sustainable Development Goals (SDGs). International Conference of Zakat, 295–310. https://doi.org/10.37706/iconz.2020.226
Anggito, A., & Setiawan, J. (2018). Metodologi Penelitian Kualitatif. Jejak.
As-Salafiyah, A., & Fatoni, A. (2021). Zakat Policy and Regulation. Islamic Social Finance, 1(1). https://doi.org/10.58968/isf.v1i1.106
Aziz, M. R. A., & Anim, N. A. H. M. (2020). Trust towards zakat institutions among muslims business owners. Jurnal Ekonomi & Keuangan Islam, 6(1), 1–9. https://doi.org/10.20885/jeki.vol6.iss1.art1
Bin-Nashwan, S. A. (2022). Toward diffusion of e-Zakat initiatives amid the COVID-19 crisis and beyond. Foresight, 24(2), 141–158. https://doi.org/10.1108/FS-08-2020-0082
Che Mohd Salleh, M., & Chowdhury, M. A. M. (2020). Technological Transformation in Malaysian Zakat Institutions. International Journal of Zakat, 5(3), 44–56. https://doi.org/10.37706/ijaz.v5i3.263
Dhar, P. (2013). Zakat as a Measure of Social Justice in Islamic Finance : An Accountant’s Overview. Journal of Emerging Economies and Islamic Research, 1(1), 64. https://doi.org/10.24191/jeeir.v1i1.9118
Doktoralina, C. M., Bahari, Z., & Abdullah, S. R. (2019). Mobilisation of Income Zakat Payment In Indonesia. Ikonomika, 3(2), 189–204. https://doi.org/10.24042/febi.v3i2.3659
DS Research. (2020). Indonesia Fintech Report 2020.
Fadhilah, N. (2021). Transformation Digital of Zakat Institutions During Covid-19 Pandemic In The Kalimantan Region. Annual International Conference on Islamic Economics and Business (AICIEB), 1, 239–247. https://doi.org/10.18326/aicieb.v1i0.23
Friyansyah, K., Yanris, G. J., & Muti’ah, R. (2022). Zakat Fitrah Application based on Web Framework using Waterfall Method. Sinkron, 7(2), 746–752. https://doi.org/10.33395/sinkron.v7i2.11412
Hamdani, L. (2020). Zakat Blockchain: A Descriptive Qualitative Approach. EkBis: Jurnal Ekonomi Dan Bisnis, 4(2), 492. https://doi.org/10.14421/EkBis.2020.4.2.1270
Hanafi, S. (2020). Does Information Affect Online Zakat Payment? International Journal of Zakat, 5(3), 57–72. https://doi.org/10.37706/ijaz.v5i3.261
Hidayat, A., & Mukhlisin, M. (2020). Analisis Pertumbuhan Zakat Pada Aplikasi Zakat Online Dompet Dhuafa. Jurnal Ilmiah Ekonomi Islam, 6(3), 675. https://doi.org/10.29040/jiei.v6i3.1435
Ibrahim Ahmed, T. A., & B. Zakaria, M. S. (2021). Using Blockchain for Managing Zakat Distribution: A Juristic Analytical Study. Al Hikmah International Journal of Islamic Studies and Human Sciences, 4(2), 1–25. https://doi.org/10.46722/hkmh.4.2.21b
Ichwan, A. (2020). Pengaruh Technology Acceptance Model Terhadap Keputusan Muzakki Membayar Zakat Melalui Fintech Gopay. Jurnal Ilmiah Ekonomi Islam, 6(2), 129–135. https://doi.org/10.29040/jiei.v6i2.1011
Karmanto, G. D., Mahri, A. J. W., & Nurasyiah, A. (2021). Society Intention in Distribution of Zakat, Infaq and Shadaqah (ZIS) through the Use of Crowdfunding Platform. Falah: Jurnal Ekonomi Syariah, 6(1), 30–44. https://doi.org/10.22219/jes.v6i1.15133
Kasri, R. A., & Yuniar, A. M. (2021). Determinants of digital zakat payments: lessons from Indonesian experience. Journal of Islamic Accounting and Business Research, 12(3), 362–379. https://doi.org/10.1108/JIABR-08-2020-0258
Kharisma, P., & Jayanto, P. Y. (2021). Faktor-Faktor yang Mempengaruhi Minat Menggunakan E-Zakat dalam Membayar Zakat, Infaq, dan Sedekah. AKSES: Jurnal Ekonomi Dan Bisnis, 16(1). https://doi.org/10.31942/akses.v16i1.4471
Kinanti, R. A., Imani, S., Hasanah, M., & Asyaria, K. (2021). Optimalisasi Fundraising Zakat Pada Kerjasama Institusional Indonesia Melalui E-commerce Pasca Pandemi Covid-19. Filantropi : Jurnal Manajemen Zakat Dan Wakaf, 2(1), 20–37. https://doi.org/10.22515/finalmazawa.v2i1.3290
Lubis, P., Rafiqi, R., Amri, A. D., & Widiastuti, F. (2021). Measuring The Level of Knowledge and Awareness of The People in Jambi Province Pay Zakat Through E-Commerce. AL-FALAH : Journal of Islamic Economics, 6(2), 292. https://doi.org/10.29240/alfalah.v6i2.3516
M., Hakim, A. R., Mulazid, A. S., . S., & Meiria, E. (2018). E-Zakat: Redesign the Collection and Distribution of Zakat. KnE Social Sciences, 3(8), 433. https://doi.org/10.18502/kss.v3i8.2525
Marzuki, P. M. (2006). Penelitian Hukum. Kencana Prenada Media Group.
Matien, N. F. (2021). Analisis Ijtihad Hukum Membayar Zakat Fitrah dengan Uang Menurut Yusuf Al-Qaradawi dan Wahbah Az-Zuhaili. Al-Mazaahib: Jurnal Perbandingan Hukum, 9(2), 111. https://doi.org/10.14421/al-mazaahib.v9i2.2369
Moleong, L. J. (2004). Metodologi Penelitian Kualitatif. Rosda Karya.
Muhammad, I. (2019). Analysis of Zakat System in High-Income Islamic Countries. The Journal of Muamalat and Islamic Finance Research, 1–11. https://doi.org/10.33102/jmifr.v16i2.219
Mujahidah, A. S., & Akbar, N. (2022). Investigating The Determinants of Muslim Intention to Accelerate Zakat Payment During The Covid19 Pandemic. Journal of Islamic Philanthropy and Disaster (JOIPAD), 2(2), 40–65. https://doi.org/10.21154/joipad.v2i2.5121
Musahidah, U., & Sobari, N. (2021). Determinants of the Intentions of Indonesian Muslim Millennials in Cash Waqf Using E-Payment. Jurnal Ekonomi Dan Perbankan Syariah, 9(2), 65–91. https://doi.org/10.46899/jeps.v9i2.284
Mutamimah, M., Alifah, S., Gunawan, G., & Adnjani, M. D. (2021). ICT-based collaborative framework for improving the performance of zakat management organisations in Indonesia. Journal of Islamic Accounting and Business Research, 12(6), 887–903. https://doi.org/10.1108/JIABR-05-2020-0154
Nailah, N., & Rusydiana, A. S. (2020). The Zakat & Technology. International Conference of Zakat, 311–330. https://doi.org/10.37706/iconz.2020.222
Nilawati, N., & Rijal, K. (2020). Potensi pembayaran zakat secara online dan offline serta realisasi dana zakat indonesia. I-Economics a Research Journal on Islamic Economics, 5(2), 116–131. https://doi.org/10.19109/ieconomics.v5i2.3535
Ninglasari, S. Y. (2021). Determinants of Online Zakat Intention amongst Muslim Millennials: An Integration of Technology Acceptance Model and Theory of Planned Behavior. Shirkah: Journal of Economics and Business, 6(2), 227. https://doi.org/10.22515/shirkah.v6i2.387
Ninglasari, S. Y., & Muhammad, M. (2021). Zakat Digitalization: Effectiveness of Zakat Management During Covid-19 Pandemic. Journal of Islamic Economic Laws, 4(1), 26–44. https://doi.org/10.23917/jisel.v4i1.12442
Oktavendi, T. W., & Mua’ammal, I. (2021). The Role Of Risk, Trust, Social Influence On ZIS Online Payment Adoption: Generation-Z Perspectives. Jurnal Reviu Akuntansi Dan Keuangan, 11(2), 430–446. https://doi.org/10.22219/jrak.v11i2.17400
Omar, N., & Khairi, K. F. (2021). Zakat and Blockchain: A Review. International Journal of Islamic Economics and Finance Research, 4(2 December), 60–66. https://doi.org/10.53840/ijiefer53
Prasteyo, A., Fakhrian, A. S., & Cahyaningrum, P. (2022). Elaborasi Hukum Membayar Zakat Fitrah Menggunakan Dompet Digital dalam Perspektif Islam. Nalar Fiqh: Jurnal Hukum Islam, 13(2), 121–131. https://doi.org/10.30631/nf.v13i2.1304
Rachman, M. A., & Nur Salam, A. (2018). The Reinforcement of Zakat Management through Financial Technology Systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/10.37706/ijaz.v3i1.68
Rahman, T. (2015). Akuntansi Zakat, Infak dan Sedekah (PSAK 109): Upaya Peningkatan Transparansi dan Akuntabilitas Organisasi Pengelola Zakat (OPZ). Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 6(1), 141. https://doi.org/10.18326/muqtasid.v6i1.141-164
Rohman, T., & Indrarini, R. (2021). Efektivitas Penggunaan E-Commerce Dalam Menunjang Penyerapan Zakat Studi Kasus Laz Al-Azhar. Jurnal Ekonomika Dan Bisnis Islam, 4(2), 13–25. https://doi.org/10.26740/jekobi.v4n2.p13-25
Rohmatul, H. (2020). Tinjauan Hukum Islam Terhadap Praktik Kredit Shopee Paylater Dari Marketplace Shopee. IAIN Purwokerto.
Sawmar, A. A., & Mohammad, M. O. (2019). Governance of Formal Zakat institution in Saudi Arabia. International Journal of Zakat, 4(2), 23–40. https://doi.org/10.37706/ijaz.v4i2.181
Sisdianto, E., Fitri, A., & Isnaini, D. (2021). Penerapan Pembayaran Zakat Digital Dalam Presfektif Ekonomi Islam (Chasles Society). Fidusia : Jurnal Keuangan Dan Perbankan, 4(2). https://doi.org/10.24127/jf.v4i2.644
Siyoto, S., & Sodik, A. (2015). Dasar Metodologi. Literasi Media Publishing.
Su, L., Peng, Y., Kong, R., & Chen, Q. (2021). Impact of E-Commerce Adoption on Farmers’ Participation in the Digital Financial Market: Evidence from Rural China. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1434–1457. https://doi.org/10.3390/jtaer16050081
Sugiyono. (2013). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta.
Syahputra, A., & Mukhtasar, M. (2021). Digitizing Zakat Collection through the E-payment System. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 13(1), 14. https://doi.org/10.24235/amwal.v13i1.7962
Utami, P., & Basrowi, B. (2021). Sharia Marketing Mix: A Model of Digital Marketing Management Strategy of Zakat. Mabsya: Jurnal Manajemen Bisnis Syariah, 3(1), 44–59. https://doi.org/10.24090/mabsya.v3i1.4688
Utami, P., Suryanto, T., Nasor, M., & Ghofur, R. A. (2020). The Effect Digitalization Zakat Payment Against Potential of Zakat Acceptance in National Amil Zakat Agency. IQTISHADIA, 13(2), 216. https://doi.org/10.21043/iqtishadia.v13i2.7809
Widiastuti, T., Cahyono, E. F., Zulaikha, S., Mawardi, I., & Al Mustofa, M. U. (2021). Optimizing zakat governance in East Java using analytical network process (ANP): the role of zakat technology (ZakaTech). Journal of Islamic Accounting and Business Research, 12(3), 301–319. https://doi.org/10.1108/JIABR-09-2020-0307
Yunita, P. (2021). Developing A Modern Zakat Management Model Digital Technology 4.0 Version. AZKA International Journal of Zakat & Social Finance, 139–156. https://doi.org/10.51377/azjaf.vol2no1.47
Zed, M. (2008). Metode Penelitian Kepustakaan. Yayasan Obor Indonesia.
Zuhaili, W. (1997). Al-Fiqh al-Islâmi wa Adillatuhu. Dâr al-Fikr.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Economica: Jurnal Ekonomi Islam
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), acknowledging its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges and earlier and greater citation of published work (See The Effect of Open Access).
