SYSTEMATIC LITERATURE REVIEW: KONSEP DAN IMPLEMENTASI UANG KEMBALIAN MENJADI DONASI DALAM PERSPEKTIF KEUANGAN SYARIAH
Keywords:
Concept, Implementation, Change, Donation, Islamic Finance Perspective.Abstract
This study investigates the concept and implementation of redirecting installment payments into charitable donations within Islamic finance by employing a Systematic Literature Review (SLR) approach. This practice has gained increasing attention as a form of social innovation in Islamic microfinance institutions, Islamic fintech, and community-based financing. However, discussions on its Sharia basis, operational mechanisms, and compliance implications remain limited. Through a structured review of indexed academic publications, this research examines how donation-based installments are interpreted within key Sharia contracts such as qardh, tabarru’, and murabahah, as well as how financial institutions apply the mechanism in practice. The findings indicate that converting installments into donations is permissible when it is performed voluntarily, not predetermined as a requirement of the primary contract, and free from riba, gharar, or coercion. This review provides useful insights for researchers, practitioners, and regulators in developing socially oriented and Sharia-compliant donation mechanisms within the Islamic financial system.
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