ANALISIS TRANSPARANSI DAN PENGGUNAAN DANA PADA PLATFORM DONASI ONLINE DALAM PERSPEKTIF SYARIAH

Abstract

This study examines the level of transparency and fund management practices in online donation applications in Indonesia from a Sharia perspective. The background of this study stems from the increasing use of digital donation services and the importance of ensuring that fund management practices are in line with the values of trust and accountability in Islam. The main research question is how compliant online donation applications are with sharia principles, particularly in relation to the clarity of transaction mechanisms, transparency in fund distribution, and stewardship oversight in public financial management. This research adopts a critical assessment through a descriptive-argumentative qualitative approach utilizing non-participatory observation of publicly available documents, secondary data, and a critical review of fiqh muamalah literature. The results of the study show variations in the level of Sharia compliance between applications, where some have provided transparent fund reporting and Sharia supervision, while others have not been consistent in disclosing operational costs and fund usage reports, thus potentially causing ambiguity (gharar). This study emphasizes that transparency and sharia supervision are important factors in building public trust and ensuring fund management in accordance with the principles of amanah in Islam.