SOFTWARE ENGINEERING FOR ZAKAT MANAGEMENT PLATFORMS: A STUDY ON TRANSPARENCY, SECURITY, AND USER TRUST
Article Sidebar
-
Zakat Management, Software Engineering, User Trust.
Abstract
The management of zakat is crucial in Islamic finance, and digital platforms have increasingly been adopted to enhance transparency, security, and trust among users. This study examines the software engineering aspects of zakat management platforms, focusing on these critical dimensions. The research aims to identify key software design considerations that can improve transparency, ensure data security, and foster user trust within digital zakat platforms. A mixed-method approach is used, involving both qualitative interviews with zakat management professionals and quantitative analysis of platform users' perceptions. The findings suggest that clear communication regarding financial transactions, robust data protection measures, and user-friendly interfaces are essential for building trust. Furthermore, implementing blockchain technology was found to significantly enhance transparency and security. The study concludes that for zakat platforms to be successful, they must not only comply with Shariah principles but also integrate advanced technology solutions that align with user expectations for security and transparency. This research provides a comprehensive framework for the development of zakat management platforms that can be adopted by stakeholders in the Islamic finance sector.
Full text article
References
Adi Syahid, A. M. A., Mujitaba, M. A., Rameli, N., Tuan Sembok, T. M. T. S., & Razali, N. A. (2024). ENTREPRENEURIAL HUMAN CAPITAL ON THE EMPOWERMENT OF ASNAF ENTREPRENEURS PLANNING IN THE STATE OF SELANGOR. Planning Malaysia, 22(1), 296–308. https://doi.org/10.21837/pm.v22i30.1441
Adinugraha, H. H., Surur, A. T., & Achmad, D. (2024). Enhancing the Legal Framework: Optimizing Zakat as an Income Tax Deduction in Indonesia. Al-Ahkam: Jurnal Ilmu Syari’ah Dan Hukum, 9(2), 130–153. https://doi.org/10.22515/alahkam.v9i2.10212
Afifah, K., Abu-Hussin, M. F., & Zafar, M. B. (2025). Transforming Islamic social finance: determinants of blockchain technology adoption for zakat payment. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-08-2024-0283
Ahmad, K., & Yahaya, M. H. (2023). Islamic social financing and efficient zakat distribution: impact of fintech adoption among the asnaf in Malaysia. Journal of Islamic Marketing, 14(9), 2253–2284. https://doi.org/10.1108/JIMA-04-2021-0102
Akhter, A., Javed, M. Y., & Akhter, J. (2025). Research trends in the field of Islamic social finance: a bibliometric analysis from 1914 to 2022. International Journal of Ethics and Systems, 41(2), 455–483. https://doi.org/10.1108/IJOES-03-2023-0044
Alhadadi, A. (2025). Is earnings management associated with corporate social responsibility? Evidence from Zakat environment. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-08-2024-0310
Asni, F., Yusli, Y., & Zulkifli, M. I. (2025). Empowering asnaf entrepreneurs: a sustainable zakat framework through microcredit financing – qard hasan in Malaysia. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-11-2024-0442
Asni, F., Zulkifli, M. I., & Yusli, Y. (2024). Acceptance of Zakat institutions in Malaysia towards Micro Credit-Qard Hasan financing through Zakat fund (MCZF) for post-pandemic Asnaf entrepreneurs. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-04-2024-0132
Azhar, Z., Mydin, M. K. K., & Pitchay, A. (2023). Zakat Distribution Priorities in Malaysia: An Analytic Hierarchy Process Analysis. Asian Journal of Business and Accounting, 16(1), 69–87. https://doi.org/10.22452/ajba.vol16no1.3
Danila, R., Saat, R. M., & Ku Bahador, K. M. K. (2025). Trust and Religiosity: Integrating Technological Acceptance Factors into the Extended Unified Theory of Acceptance and Use of Technology (UTAUT) Model for Zakat Online Payment Systems. Journal of Advanced Research in Applied Sciences and Engineering Technology, 53(2), 199–214. https://doi.org/10.37934/araset.53.2.199214
Daud, M. Z., Mohd Noh, M. S., Fidhayanti, D., & Mat Hussin, M. N. (2025). EMPOWERING FUTURES: Unveiling Zakat’s Vital Role Economic Development and Legal Framework in Malaysia’s. Jurisdictie: Jurnal Hukum Dan Syariah, 16(1), 235–274. https://doi.org/10.18860/j.v16i1.31424
Emzaed, A. M., Auli, S., Rosadhillah, V. K., & Sukti, S. (2023). Restriction of Islamic Civil Society Participation: Genealogy of Zakat Legal Politics and Its Centralized Management in Indonesia. Journal of Islamic Law, 4(2), 148–171. https://doi.org/10.24260/jil.v4i2.1444
Emzaed, A. M., Sukti, S., Hakim, M. L., & Ibrahim, B. (2024). Shifting fiqh tradition in zakat management: Nahdlatul ulama’s strategies to enhance the social welfare of nahdliyin. Al-Risalah: Forum Kajian Hukum Dan Sosial Kemasyarakatan, 24(2), 124–141. https://doi.org/10.30631/alrisalah.v24i2.1677
Evriyenni, E., Fahlevi, H., Indriani, M., & Yusuf, M. Y. (2025). EXPLORING FACTORS INFLUENCING ZAKAT COMPLIANCE IN ACEH: THE ROLE OF INSTITUTIONAL TRUSTAND RELIGIOUS COMMITMENT. Jurnal Ilmiah Peuradeun, 13(2), 1123–1152. https://doi.org/10.26811/peuradeun.v13i2.1478
Hak, N., Setiawan, R. A., & Setiawan, A. (2024). Synergising Normative and Cultural Frameworks in Reforming Core Principles for Effective Zakat Supervision in Indonesia. Manchester Journal of Transnational Islamic Law and Practice, 20(3), 302–316. https://www.scopus.com/inward/record.uri?eid=2-s2.0-85210672616&partnerID=40&md5=d607ca206d2559c91a0b89fed4ac3662
Hanifuddin, I., Kasanah, N., & Eficandra, n. (2024). Al-Qar? al-?asan Program of Bankziska: Zakat Fund-Based Empowerment Model for Victims of Loan Sharks. Juris: Jurnal Ilmiah Syariah, 23(1), 1–12. https://doi.org/10.31958/juris.v23i1.10799
Hasan, S., Firdaus, D. H., & Hidayat, H. (2024). From Fiqh al-Ibadat to Muamalat: Repositioning Zakat Management in Indonesia in the Perspective of Maqa?id Al-Shari’ah. Samarah, 8(1), 495–517. https://doi.org/10.22373/sjhk.v8i1.19637
Hasbullah, M., Sulaiman, S., Hamir, H., & Ab Rahman, A. (2024). Zakat Management Model In Public Universities: A Comparison Between Pusat Wakaf Dan Zakat (PWZ), And Pusat Pengurusan Wakaf, Zakat Dan Endowmen (WAZAN). Journal of Fatwa Management and Research, 29(2), 127–143. https://doi.org/10.33102/jfatwa.vol29no2.590
Herianingrum, S., Supriani, I., Sukmana, R., Effendie, E., Widiastuti, T., Fauzi, Q., & Shofawati, A. (2024). Zakat as an instrument of poverty reduction in Indonesia. Journal of Islamic Accounting and Business Research, 15(4), 643–660. https://doi.org/10.1108/JIABR-11-2021-0307
Ibrahim, N., Mustapha, R., Ibrahim, R. A., Ayob, M. N., Roslan, M. N. H., & Rahman, A. A. (2024). Resilience in the midst of difficulties: the challenges of single mothers receiving zakat assistance in pahang. Environment and Social Psychology, 9(9). https://doi.org/10.59429/ESP.V9I9.2950
Ilyas, M., Ilyas, H. F., Arafah, S., Idris, A. R., & Bahri, S. (2025). Centralization and Decentralization of Zakat Management in Lontara’ Sukku’na Wajo, South Sulawesi: Philological Approach. Samarah, 9(1), 575–596. https://doi.org/10.22373/sjhk.v9i1.23996
Indriana, M. M., & Rohim, A. N. (2025). Analysis of Good Amil Governance Implementation in Mosque-Based Amil Zakat Institution. Journal of Muslim Philanthropy and Civil Society, 9(1), 6–29. https://www.scopus.com/inward/record.uri?eid=2-s2.0-105011500630&partnerID=40&md5=b0420c71902984347ae2c5cbdabdfa48
Isam, H., Mutalib, M. A., & Ali, R. M. (2024). THE POINT OF VIEW AND UNDERSTANDING OF NETIZENS ON ZAKAT DURING COVID-19 PANDEMIC IN MALAYSIA BASED ON PROSODY SEMANTIC THEORY. Kajian Malaysia, 42(2), 213–235. https://doi.org/10.21315/km2024.42.2.10
Ishak, Z., Abidin, S., & Manaf, N. A. A. (2025). Cultivating Change: Examining the Influence of Financial Management Courses on the Financial Practices of Asnaf. Indian Journal of Information Sources and Services, 15(1), 357–365. https://doi.org/10.51983/ijiss-2025.IJISS.15.1.46
Juniati, W., & Widiastuti, T. (2024). Intention to adopt blockchain technology for zakat management in Indonesia. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-12-2023-0384
Khairi, K. F., Laili, N. H., Sabri, H., Ahmad, A., Pham, V. H., & Tran, M. D. (2023). THE DEVELOPMENT AND APPLICATION OF THE ZAKAT COLLECTION BLOCKCHAIN SYSTEM. Journal of Governance and Regulation, 12(1 special issue), 294–306. https://doi.org/10.22495/jgrv12i1siart9
Luthfi Perdana Siregar, M., Syahbudi, M., & Muhaisin, A. (2024). The Effectiveness of Cahaya Terampil Scholarship Distribution by Yayasan Baitul Mal PLN UP3 North Sumatra: An Islamic Economics Perspective. Jurnal Ilmiah Mizani, 11(2), 256–272. https://doi.org/10.29300/mzn.v11i2.4903
Maulida, S., Amruzi, F. A., Hakim, B. R., & Beik, I. S. (2024). Post-Pandemic Digital Transformation in Zakat Management: Insights From Maq??id Syari’ah in South Kalimantan. El-Mashlahah, 14(2), 281–302. https://doi.org/10.23971/el-mashlahah.v14i2.7772
Mufid, M., & Muhammad, A. A. (2023). Islamic Philanthropy and Public Policy: A Study of Zakat Fatwas from the New Order Era to the Post-Reform Era. Jurnal Hukum Islam, 21(2), 201–230. https://doi.org/10.28918/jhi_v21i2_01
Muhammad, H., Jalil, M. S., Arifin, J., Muhammud, A., & Muda, S. M. (2024). Determinants of Zakat Payment among the Muslim Community in Terengganu. Global Journal Al-Thaqafah, JULY2024(SPECIALISSUE), 212–227. https://doi.org/10.7187/GJATSI072024-14
Mukhlishin, u., Ramadhan, J., & Hayatullah, I. K. (2025). Zakat and Waqf Synergies to Accelerating Sustainable Development. Journal of Sustainable Development and Regulatory Issues, 3(1), 29–54. https://doi.org/10.53955/jsderi.v3i1.56
Nazhif Dhiya’Elhaq, M. G., & Labib, M. A. D. I. (2023). Umar bin ’Abdul ’Aziz’s Ijtihad on Zakat Management. Al-Ahkam: Jurnal Ilmu Syari’ah Dan Hukum, 8(1), 63–76. https://doi.org/10.22515/alahkam.v8i1.6164
Pitchay, A., Abdul Rahman, M., & Azhar, Z. (2024). Alleviating financial education debt through Zakah: proposing HOPE model to public higher education institution. Qualitative Research in Financial Markets. https://doi.org/10.1108/QRFM-01-2024-0021
Rahmatullah, I., Suwadi, P., & Purwadi, H. (2024). Legal Reform of Zakat Management Based on Personal Data Protection Law in Indonesia. Mazahib Jurnal Pemikiran Hukum Islam, 23(1), 199–236. https://doi.org/10.21093/mj.v23i1.5917
Robbana, A., Akbar, M. A., & Mohd, M. A. B. (2024). A structural equation modeling approach to assess the Algerian Zakat payers’ acceptability and adoption of a Zakat fintech-based model proposed. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-09-2024-0352
Rusydiana, A. S., Prakoso, M. F. D., Aslan, H., & Riani, R. (2025). Unveiling the effects of zakat toward socioeconomic empowerment in OIC countries. International Journal of Ethics and Systems. https://doi.org/10.1108/IJOES-10-2024-0331
Saptono, P. B., & Khozen, I. (2024). ENHANCING TAXPAYER COMPLIANCE THROUGH FISCAL TRANSPARENCY, PARTICIPATION AND ACCOUNTABILITY: INSIGHTS FROM KEY FIGURES OF ISLAMIC BOARDING SCHOOLS IN DEPOK CITY. ISRA International Journal of Islamic Finance, 16(2), 20–44. https://doi.org/10.55188/ijif.v16i2.533
Siregar, F. R., Syahbudi, M., & Ilhamy Nasution, M. L. (2024). The Impact of Zakat Utilization and Business Financing on Welfare with Business Sustainability as a Moderating Variable: A Case Study of BAZNAS Labuhanbatu Utara. Jurnal Ilmiah Mizani, 11(2), 363–377. https://doi.org/10.29300/mzn.v11i2.4444
Tumanggor, J. A., & Sujatna, Y. (2023). Strategies for Enhancing Zakat Fund Management in Minority Areas: A Case Study in Humbang Hasundutan Regency. Jurnal Ilmiah Mizani, 10(2), 242–252. https://doi.org/10.29300/mzn.v10i2.3003
Widiyanti, N. F., Sukmana, H. T., Hulliyah, K., Khairani, D., & Lee, L. K. (2023). Improving Indonesian Named Entity Recognition for Domain Zakat Using Conditional Random Fields. Jurnal Online Informatika, 8(2), 131–138. https://doi.org/10.15575/join.v8i2.898
Yusof, Z. A. M., Ab Rahman, A., & Shamsuddin, S. S. S. (2024). Systematic Literature Analysis of The Zakat Management Approach To Eradicate Poverty After The Pandemic. Journal of Fatwa Management and Research, 29(1), 167–185. https://doi.org/10.33102/jfatwa.vol.29no1.578
Zainuddin, Z., Aswari, A., & Salle, n. (2023). Voluntary System: The Legal Problems of Zakat Management For The Fulfillment of Socio-Economic Justice. Yuridika, 38(3), 685–704. https://doi.org/10.20473/ydk.v38i3.43885
Authors
Copyright (c) 2025 Zuraida, Rina Farah, Hilda Dwi Yunita
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
