The Implementation of Artificial Intelligence in Zakat Management Institution : Advantages and Challenges
Abstract
The development of technology, especially Artificial Intelligence (AI) opens up opportunities for transformation in zakat management by zakat institutions. This study examines the opportunities for using AI in zakat institutions. This study uses a qualitative method with primary sources derived from in-depth interviews with information technology experts and zakat experts. Secondary sources come from journal analysis and previous research. The results of the study show that zakat institutions face challenges in collecting funds and distributing them to the community. Also, zakat institutions must comply with Islamic sharia in their operations. To face these challenges, zakat institutions need to use efficient and effective information technology. By comparing the advantages and challenges faced, the results of the study show that the application of AI in zakat institutions has many benefits. Among them, donation prediction and muzaki segmentation, mustahik mapping, chatbots for muzaki services, distribution analytics and reports, and anomaly and fraud detection.
Keywords : Artificial Intelligence, Zakat Institution, Information Technology
References
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Ali, S. & Azzafa Nur Jadidah. (2024). The Role of Technology in Optimizing the Collection and Distribution of Zakat and Waqf. El-Faqih: Journal of Islamic Thought and Law , 10 (2), 400–414. https://doi.org/10.58401/faqih.v10i2.1495
Batarseh , F. A., & Freeman , L. (2021). A Survey on AI Assurance. Journal of Big Data , 8 (1), 60. https://doi.org/10.1186/s40537-021-00445-7
Beik , IS, Swandaru, R., & Rizkiningsih , P. (2021). Utilization of Digital Technology for Zakat Development. In MM Billah (Ed.), Islamic FinTech ( pp . 231–248). Springer International Publishing . https://doi.org/10.1007/978-3-030-45827-0_13
Cagala , T., Glogowsky , U., Rincke , J., & Strittmatter , A. (2021). Optimal Targeting in Fundraising : A Causal Machine Learning Approach ( Version 3). arXiv . https://doi.org/10.48550/ARXIV.2103.10251
Candra Susanto, P., Yuntina , L., Saribanon , E., Panatap Soehaditama , J., & Liana, E. (2024). Qualitative Method Concepts: Literature Review , Focus Group Discussion , Ethnography and Grounded Theory . Siber Journal of Advanced Multidisciplinary , 2 (2), 262–275. https://doi.org/10.38035/sjam.v2i2.207
Creswell , J. W. , & Creswell , J. D. (2018). Research Design: Qualitative , Quantitative , and Mixed Methods Approaches . 2018 , 5 .
Hamadou , I., Yumna, A., Hamadou , H., & Jallow , M. S. (2024). Unleashing the power of artificial intelligence in Islamic banking : A case study of Bank Syariah Indonesia (BSI). Modern Finance , 2 (1), 131–144. https://doi.org/10.61351/mf.v2i1.116
Jokhio , M. N. , & Jaffer , M. A. (2024). Generative AI in Sharia Advisory in Islamic Finance: An Experimental Study. Business Review , 19 (2), 74–92. https://doi.org/10.54784/1990-6587.1665
Krishna, S., S, S., Kamalsha , S., Amruth , S., & Jadon , S. (2023). PRIVATE-AI: A Hybrid Approach to privacy-preserving AI. 2023 IEEE/ACIS 8th International Conference on Big Data, Cloud Computing , and Data Science (BCD) , 170–175. https://doi.org/10.1109/BCD57833.2023.10466330
Kurniawati. (2023). The Influence of Chatbot Anthropomorphism on Trust, Intention , and Engagement of Indonesian State- Owned Bank Customers : Investigation Using the DOI Theory . International Journal of Applied Business Research , 5 (2).
Laylo , K. (2023). The Impact of AI and Information Technologies on Islamic Charity (Zakat): Modern Solutions for Efficient Distribution . International Journal of Law and Policy , 1 (5). https://doi.org/10.59022/ijlp.83
Mainzer , K. , & Kahle , R. (2024). The Concept of Artificial Intelligence . In K. Mainzer & R. Kahle , Limits of AI - theoretical , practical , ethical ( pp . 1–7). Springer Berlin Heidelberg . https://doi.org/10.1007/978-3-662-68290-6_1
Mas 'Amah, F., & Panggiarti , EK (2023). THE ROLE OF ZAKAT, INFAK, AND SEDAKAH (ZIS) AS CONTRIBUTORS TO IMPROVING WELFARE FOR COMMUNITIES IN NEED. SENTRI: Scientific Research Journal , 2 (4), 929–939. https://doi.org/10.55681/sentri.v2i4.691
Mohamed Salleh , W.N.W., Abdul Rasid, S.Z., & Basiruddin , R. (2022). Optimizing Digital Technology in Managing Zakat. International Journal of Academic Research in Business and Social Sciences , 12 (8), Pages 726-733. https://doi.org/10.6007/IJARBSS/v12-i8/14355
Mökander , J., & Floridi , L. (2021). Ethics-Based Auditing to Develop Trustworthy AI Minds and Machines , 31 (2), 323–327. https://doi.org/10.1007/s11023-021-09557-8
Muneeza , A., & Nadwi , S. (2019). The Potential of Application of Technology- Based Innovations for Zakat Administration in India. International Journal of Zakat , 4 (2), 87–100. https://doi.org/10.37706/ijaz.v4i2.191
Nugraha, F., Permadia , S., Gunawan, AR, & Saeful, E. (2019). Artificial Intelligence Usage in Zakat Optimization . International Conference of Zakat , 14–24. https://doi.org/10.37706/iconz.2019.144
Pragyna Karmakar , Satarupa Sinha , & Debrupa Pal. (2024). Artificial Intelligence . International Journal of Advanced Research in Science , Communication and Technology , 79–87. https://doi.org/10.48175/IJARSCT-19613
Rabbani, M.R., Hassan, M.K., Khan, S., & Muneeza , A. (2022). A Fintech-Based Zakat Model Using Artificial Intelligence . In M.K. Hassan, M.R. Rabbani, & M. Rashid ( Eds .), FinTech in Islamic Financial Institutions ( pp . 49–63). Springer International Publishing . https://doi.org/10.1007/978-3-031-14941-2_3
Raj, A. (2024). Artificial Intelligence . International Journal for Research in Applied Science and Engineering Technology , 12 (11), 646–655. https://doi.org/10.22214/ijraset.2024.64695
Ridzuan, F., Ramli, H., Ibrahim, MHA, Rahim, NCA, Zainuddin, SAB, Aziz, RBC, & Sareya , R. (2025). Artificial Intelligence in Zakat Management : Opportunities and Challenges . In A. Hamdan (Ed.), Integrating Artificial Intelligence , Security for Environmental and Business Sustainability (Vol. 598, pp . 77–85). Springer Nature Switzerland . https://doi.org/10.1007/978-3-031-91424-9_8
Thisarani , M., & Fernando, S. (2021). Artificial Intelligence for Futuristic Banking . 2021 IEEE International Conference on Engineering, Technology and Innovation (ICE/ITMC) , 1–13. https://doi.org/10.1109/ICE/ITMC52061.2021.9570253
Yuspin, W., Wardiono, K., Budiono, A., & Gulyamov , S. (2022). The law alteration on artificial intelligence in reducing Islamic bank's profits and loss sharing risk . Legality : Scientific Journal of Law , 30 (2), 267–282. https://doi.org/10.22219/ljih.v30i2.23051
Zulkifley , M. & Aishath Muneeza . (2024). OPTIMIZING ZAKAT DISTRIBUTION IN SELANGOR USING TECHNOLOGY. International Journal of Islamic Economics and Finance Research , 7 (2 December ), 105–122. https://doi.org/10.53840/ijiefer162
Published
2025-12-01
How to Cite
Setiawan, H., & Buchori, N. (2025). The Implementation of Artificial Intelligence in Zakat Management Institution : Advantages and Challenges. Annual International Conference on Islamic Economics and Business (AICIEB), 5(-), 306-313. https://doi.org/https://doi.org/10.18326/aicieb.v5i-.786
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Section
ARTICLES
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