Strategi Penghimpunan Dana Lembaga Keuangan Mikro Syariah Berbasis Fintech: Studi Kasus Baitul Maal Ar Rahmah Surabaya
Abstract
Perkembangan teknologi digital telah mendorong transformasi dalam sistem penghimpunan dana filantropi Islam, termasuk pada lembaga Baitul Maal. Penelitian ini bertujuan untuk menganalisis strategi penghimpunan dana berbasis financial technology (fintech) di Baitul Maal Ar Rahmah Surabaya serta mengidentifikasi faktor pendukung dan penghambat implementasinya. Penelitian menggunakan pendekatan kualitatif dengan jenis studi kasus. Data diperoleh melalui wawancara, observasi, dan dokumentasi terhadap pengelola serta donatur lembaga. Hasil penelitian menunjukkan bahwa strategi penghimpunan dana dilakukan melalui pemanfaatan QRIS dan mobile banking yang didukung oleh komunikasi digital melalui WhatsApp dan Instagram. Strategi ini terbukti efektif dalam meningkatkan kemudahan transaksi, memperluas jangkauan donatur, serta meningkatkan transparansi pelaporan dana. Faktor pendukung implementasi fintech meliputi kemampuan SDM dalam memanfaatkan media digital, dukungan jaringan sosial keagamaan, dan tingginya literasi digital masyarakat. Adapun faktor penghambatnya meliputi berkurangnya interaksi tatap muka dengan donatur serta proses verifikasi transaksi yang masih dilakukan secara manual. Oleh karena itu, diperlukan penguatan sistem administrasi digital dan komunikasi yang lebih personal untuk meningkatkan efektivitas penghimpunan dana secara berkelanjutan.
Copyright (c) 2026 Muhammad Yusuf Qordowi, Farisul Haq (Author)
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