DIGITAL TRANSFORMATION: THE ROLE OF AI IN OPTIMIZING ZAKAT AND WAQF MANAGEMENT

Abstract

This research aims to analyze the benefits, challenges, and strategies for applying artificial intelligence (AI) in the management of zakat and waqf. Digital transformation has pushed the management of zakat and waqf towards higher efficiency, making AI the main innovation in this process. AI offers the ability to analyze data in real-time, ensure a more targeted distribution of funds, and improve the transparency and accountability of managing institutions. This study uses a qualitative approach through literature review and secondary data analysis. Data is collected from scientific journals, reports of zakat and waqf management institutions, and relevant official publications. The analysis was carried out using content analysis techniques to identify key themes, such as benefits, challenges, and opportunities in the application of AI. Validation is carried out by comparing the findings of the literature with empirical reports and case studies from institutions that have adopted AI technology. The results of the study show that AI is able to improve operational efficiency, distribution accuracy, and more transparent and accountable management of zakat and waqf funds. However, the application of this technology faces various challenges, including the limitations of digital infrastructure in remote areas, high development costs, and resistance from managers who still rely on traditional methods. Recommended strategies include multisectoral collaboration between the government, zakat and waqf institutions, and technology providers; increasing access to digital infrastructure; human resource training; and regulations that support technology adoption. AI has great potential to create a more inclusive, efficient, and sustainable zakat and waqf management system, which can ultimately support a fairer redistribution of wealth in society.