Risk Mitigation in Zakat Fundraising through Baznas Gozakat

Fitriana Fitriana; Thayib Thayib

doi:10.53038/tsyr.v5i1.308

Authors

Fitriana Fitriana Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia
Thayib Thayib Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

DOI:

https://doi.org/10.53038/tsyr.v5i1.308

Keywords:

Digital Zakat, Risk Mitigation, BAZNAS, Gozakat, Islamic Financial Technology

Abstract

The digital transformation of zakat fundraising through the GoZakat platform managed by BAZNAS provides convenience while also introducing challenges in the form of digital risks. This study aims to identify the types of risks in online zakat collection and analyze the mitigation strategies adopted by BAZNAS. Using a qualitative approach and case study method, data were collected through, document analysis, and platform observation. The findings reveal that major risks include data security, technical disruptions, and low digital literacy among users. To address these issues, BAZNAS implements mitigation strategies such as enhancing system security, conducting public education, and collaborating with external stakeholders. These findings highlight the importance of digital risk management in maintaining public trust and ensuring the sustainability of technology-based zakat systems.

References

Basel Committee on Banking Supervision. Principles for Operational Resilience. Basel: Bank for International Settlements, 2021.

Beck, Ulrich. Risk Society: Towards a New Modernity. London: Sage Publications, 1992.

Bharadwaj, Anandhi, et al. “Digital Business Strategy: Toward a Next Generation of Insights.” MIS Quarterly 37, no. 2 (2013): 471–482.

Chasanah, Kama Mir’atul, and Ghufron Maksum. "Regulasi Perwakafan Di Indonesia Dalam Perspektif Statute Approach." Tasyri': Journal of Islamic Law 1.1 (2022): 105-129.

Crosby, Michael, et al. “Blockchain Technology: Beyond Bitcoin.” Applied Innovation Review 2 (2016): 6–19.

Deloitte. Managing Cyber Risk in Financial Services. London: Deloitte Insights, 2020.

Fitrahuddin Ajmal Nazir, Muhammad, and Muhammad Nafik Hadi Ryandono. “Manajemen Risiko Operasional Pada Lembaga Amil Zakat Nasional.” Jurnal Ekonomi Syariah Teori dan Terapan 11, no. 1 (2019): 1–14.

ISO/IEC. ISO/IEC 27001: Information Security Management Systems—Requirements. Geneva: International Organization for Standardization, 2018.

Kshetri, Nir. Cybersecurity and Cyberwar: What Everyone Needs to Know. Oxford: Oxford University Press, 2019.

Mutakin, Ali, and Ghufron Maksum. "Karakteristik Hukum Islam Dalam Bidang Ekonomi." Al Ashriyyah 5.2 (2019): 211-228.

Muneeza, Aishath, and Rusni Hassan. “Shariah Governance and Cybersecurity in Islamic Finance.” Journal of Islamic Accounting and Business Research 11, no. 9 (2020): 1891–1907.

OECD. Digital Security Risk Management for Economic and Social Prosperity. Paris: OECD Publishing, 2015.

Prayoga, Achmad Rian Agung, Nur Zanita, Muhammad Irsyad Taqiudin, and Muhammad Ali Ulya Addani. “Analisis Manajemen Risiko Amil Relawan dan Risiko Hukum pada IZI Jawa Timur.” Jurnal Ekonomi, Manajemen, Bisnis, dan Sosial (EMBISS) 5, no. 2 (2025): 69–74.

Purnama, Dina. “Digital Marketing sebagai Strategi Komunikasi Dompet Dhuafa Waspada dalam Meningkatkan Kepercayaan dan Atensi Publik di Kota Medan.” Universitas Islam Negeri Sumatera Utara Medan, 2021.

PwC. Global Digital Trust Insights. London: PricewaterhouseCoopers, 2022.

Rahman, Asmak Ab., and Sabitha Marican. “Digital Zakat Management and Transparency.” International Journal of Islamic and Middle Eastern Finance and Management 12, no. 4 (2019): 504–521.

Ridho, Ali, and Muhammad Fariz Hazirin. "The Concept of Public Financial Policy in Islam Abu Ubaid al-Qasimy's Perspective." al Hairy| Journal of Islamic Law 1.2 (2025): 131-159.

Rogers, Everett M. Diffusion of Innovations. 5th ed. New York: Free Press, 2003.

Schneier, Bruce. Data and Goliath: The Hidden Battles to Collect Your Data and Control Your World. New York: W.W. Norton & Company, 2015.

Syahputra, M. Rayhan H. “Penerapan Manajemen Risiko Operasional Dana Zakat pada Era New Normal (Studi Kasus: BAZNAS Daerah Istimewa Yogyakarta).” 2023.

Triyani, Nina, Irfan Syauqi Beik, and Lukman M. Baga. “Manajemen Risiko pada Badan Amil Zakat Nasional (BAZNAS).” Al-Muzara’ah 5, no. 2 (2018): 107–124. https://doi.org/10.29244/jam.5.2.107-124.

Urfiyya, Khalida, and Sulastiningsih Sulastiningsih. “Digital System Blockchain sebagai Strategi untuk Optimalisasi Pengelolaan Dana Zakat: Studi Konseptual.” Jurnal Studi Agama dan Masyarakat 17, no. 2 (2021): 83–95.

Wahyudi, Ibnu Habib, Tata Felina Yolanda, and Fanny Asyifa Br Lumban Tobing. “Peran Blockchain terhadap Lembaga Zakat bagi Pertumbuhan Perekonomian Suatu Negara.” VISA: Journal of Vision and Ideas 3, no. 2 (2023): 381–395.

Widyar, V. R., M. H. Ainulyaqin, Y. Ahmad, and S. Edy. “Analisis Penggunaan Instagram dan Fintech Crowdfunding terhadap Minat Membayar Zakat dengan Transparansi Badan Amil Zakat sebagai Variabel Intervening.” Economic Reviews Journal 3, no. 1 (2024): 330–348. https://doi.org/10.56709/mrj.v3i1.154.

Wita, Flazas, Kurnia Kurnia, Panelas Welas Wulandari, Rizky Sahala, and Sulastri Sulastri. “Konsep dan Implementasi Syirkah di Indonesia: Model, Aplikasi, dan Tantangan dalam Lembaga Keuangan untuk Penguatan Ekonomi Umat.” Al-Fiqh 3, no. 1 (2025): 1–13.

World Bank. Financial Consumer Protection and New Forms of Data Processing. Washington, DC: World Bank Group, 2020.

Zohar, Amir, and Ittay Eyal. “Bitcoin: Under the Hood.” Communications of the ACM 60, no. 9 (2017): 104–113