ZAKAT DIGITAL DI KALANGAN GEN Z

Antara Kesadaran Publik Dan Pengelolaan Keuangan Pribadi Yang Syariah

Abstract

This study aims to analyze the position of digital zakat within the context of public awareness and Sharia-compliant personal financial management among Generation Z (Gen Z) in Indonesia. Employing a qualitative library research approach, the study examines literature on the integration of financial technology (fintech) in zakat fundraising and the condition of Islamic financial literacy among Gen Z. The findings indicate that digital zakat has enhanced the participation of young people through ease of access, transparency, and service personalization that align with their digital lifestyle. However, the high adoption of technology does not yet fully reflect a deep public awareness of the zakat obligation as an integral part of Sharia-compliant personal financial management. The Islamic financial literacy index, which reached only 39.11% in 2024, points to a persistent gap between the convenience of digital transactions and understanding of the underlying religious principles. Therefore, integrated, innovative, and contextually relevant educational strategies tailored to Gen Z’s characteristics are necessary—such as the development of interactive applications, creative content, and synergy with influencers—so that digital zakat becomes not merely a payment channel, but an instrument for shaping Sharia-obedient financial behavior.