ANALISIS EFEKTIVITAS PLATFORM CROWDFUNDING DALAM OPTIMALISASI PENGHIMPUNAN WAKAF PRODUKTIF
Kata Kunci:
Crowdfunding, Productive Waqf, Optimization of Collection, Financial Technology, Waqf GovernanceAbstrak
Productive waqf has significant potential to boost the socio-economic welfare of the community, but its development in Indonesia is often hampered by limited funding and low public accessibility to waqf instruments. The presence of financial technology through digital crowdfunding platforms offers an innovative alternative solution to overcome these obstacles. This study aims to analyze the effectiveness of crowdfunding platforms in optimizing the collection of productive waqf, identifying the determinants of waqf success, and formulating development strategies. The methodology used is qualitative research with an in-depth literature study approach and descriptive analytical analysis of various secondary data from periodic reports of waqf institutions and crowdfunding platforms in Indonesia. The results show that crowdfunding platforms have proven effective in increasing the demographic reach of waqf donors, particularly among the younger generation (millennials and Generation Z), improving transparency and accountability in reporting, and accelerating the achievement of funding targets for productive waqf projects. However, this effectiveness is still limited by several key challenges, such as the unequal distribution of digital literacy and waqf literacy in the community, the varying technological competencies of nazhirs (the donors), and an integrative regulatory framework that is still in the synchronization stage. This study recommends a multi-stakeholder synergy model between the government, Islamic financial institutions, regulatory authorities, and digital platform developers to strengthen an inclusive and sustainable national productive waqf ecosystem
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