WAKAF UANG MELALUI FITUR ZISWAF MUAMALAT DIN: TINJAUAN MEKANISME TRANSAKSI MENURUT MAZHAB SYAFI’I DAN MAZHAB HANAFI

Abstract

Digital banking allows people to give cash waqf in small amounts with a few taps. This convenience raises practical questions: how a waqf pledge (ikrar) is made without being spoken, who the nazhir (waqf manager) is, and whether administrative fees affect the principal of the waqf. This article examines the cash waqf mechanism in the Ziswaf feature of the Muamalat DIN mobile banking application and assesses it from the Shafi’i and Hanafi perspectives. It is a normative legal study based on library research, using conceptual and comparative approaches, classical fiqh texts, Indonesian regulations, and documentation of two transactions made on 1 October 2026. A transaction takes five steps with a standard pledge approved through a transaction identification number (TIN); the administrative fee is shown separately from the waqf amount and differs between institutions (IDR 1,500 and IDR 0); and the donor receives a transaction receipt. The Shafi’i school can accept the mechanism conditionally, while the Hanafi school is more accommodating because of ta’amul (public custom). Both schools call for clear evidence of the pledge, adequate information about the nazhir, and assurance that fees do not reduce the waqf principal.