Cash Waqf Information System

Praditya Nafiis Muhammad, Diana Fitri, M. Udin Harun Al Rasyid and Sritrusta Sukaridhoto

Politeknik Elektronika Negeri Surabaya (PENS), Surabaya, Indonesia

Keywords: Waqf, Cash Waqf, Information System, Payment Gateway, Automation.

Abstract: Waqf is a mobile or immobile thing that is provided for public importance as a charity. Cash waqf is highly

potential in creating prosperity in the economic sector and able to contribute in economic development. Never-

theless, the great potency has not given its good effects yet in the real world circumstances, it happens because

the activity of the waqf process is still complicated and conventional. Therefore, this research will produce

a website and mobile based platform of management information system of cash waqf. This application will

be integrated with the payment gateway system so that the payment process of cash waqf transaction can be

automated. The first experiment shows that the cash waqf transaction process can be more efficient in time

and the payment process is automatic as a result, it can ease waqif that will be having cash waqf payment.

1 INTRODUCTION

Waqf is a legal action of waqif (a person that has

waqf activity) to separate and/or give part of his

belongings to be utilized forever or for the desired

certain time period with the importance of worship

needs and/or public prosperity that is corresponding

to sharia. Data derived from the minister of religious

affairs in 2013 shows that 87.12% of indonesian in-

habitants are moslem. Indonesia, a country that has

the moslem majority of its population, affects systems

that are applied in the Republic of Indonesia, one of

them is the economic system. Indonesia’s economical

system can’t be separated from economical system in

Islam which contains intrument of monetary in Islam,

one of them is cash waqf.

Cash waqf is regarded as a highly potential to cre-

ate economic prosperity and be able to contribute to

economic development, some of them are decreas-

ing rate of unemployed citizens, increasing society’s

prosperity and decreasing rate of poverty. In Indone-

sia, Cash waqf also has the same potency as several

other countries that are able to manage cash waqf pro-

ductively and afford to give contributions to the coun-

try’s economic sector. These matters are supported

with the existence of the acceptance rate of cash waqf

in Indonesia that must have reached 77 trillion rupiahs

by the year. Beside of that, in Indonesia active users

of smartphone grew from 55 millions people in 2015

to 100 millions people in 2018 with those amount

Indonesia is able to be a country with greatest total of

smartphone active users in the fourth position among

other countries worldwide, it means that every citizen

in Indonesia has high tendency to have his own smart-

phone and with the smartphone monetary transaction

could be easier.

Considering several facts above, the writer makes

this research focus on innovation in the sector of man-

agement information systems to collect cash waqf

with mobile and website based applications that af-

ford to utilize users to offer and monitor the distribu-

tion of collected cash waqf funds. The mobile and

website based cash waqf information system are ex-

pected to be able to restore public trust towards cash

waqf management.

There are some researches those are focused on

the fundraising of waqf fund and cash waqf. Mohd

Shahrul Nizam, et al. (Mohd Shahrul Nizam Mohd

Danuri and Ahmad, 2019) The writer was us- ing

website platform with crowdfunding framework

which the waqifs are able to propose the creation of

waqf program which then the admin of official waqf

institution could validate the program and the waqf

program can be published then other waqifs could pay

to the waqf program by several payment meth- ods

facilitated by payment gateway service. Ezra

Berakon, et al. (Izra Berakon and Yasinta, 2017) Cash

waqf Mobile application with E-Payment tech-

nology for cash waqf payment with self assessment

system. Haneffa Muchlis Gazali, et al. (Haneffa

Muchlis Gazali, 2019) Took advantages of blockchain

technology and FPX payment gateway for cash waqf

Muhammad, P., Fitri, D., Al Rasyid, M. and Sukaridhoto, S.

Cash Waqf Information System.

DOI: 10.5220/0010952200003260

In Proceedings of the 4th International Conference on Applied Science and Technology on Engineering Science (iCAST-ES 2021), pages 721-728

ISBN: 978-989-758-615-6; ISSN: 2975-8246

 2023 by SCITEPRESS – Science and Technology Publications, Lda. Under CC license (CC BY-NC-ND 4.0)

721

collected funds distribution from waqifs directly to

schools that need donation for educational purposes.

Suhaili Alma’amun, et al. (Suhaili Alma’amun and

Adnan, 2018) Adopted a case study of waqfworld.org

which is a waqf crowdfunding platform as a media-

tor between waqifs and waqf official institution. Et-

suaki Yoshida, et al. (Yoshida, 2019) Discussed about

how cash waqf be used in maximal way with fintech

(ICT Technology) and waqf management with ICT

technology that relevant with islam guidelines. Mohd

Hafiz bin Hj. Fauzi, et al.(Mohd Hafiz bin Hj. Fauzi

and Zahrin, 2019) The paper aims to explore the cash

waqf service of BMMB in relation to online facility

and its role towards cash waqf contribution besides of

that it also provides an input to the waqf institutional

and practitioner on how technology plays a significant

role in influencing cash waqf donors. J A Asyraf, et

al. (Asyraf and Luckyardi, 2019) The study identifies

the effectiveness of one of the online fundraising sites

developed in Indonesia, as well as the benefits pro-

vided by the site. Farid Izda Iskandar, et al. (Iskan-

dar, 2019) The research has a purpose to determine

the method of fundraising cash waqf at Pondok Mod-

ern Tazakka and to find out the strategy development

of fundraising by Laziswaf Pondok Modern Tazakka.

Rahmatullah, et al. (Rahmatullah and Putra, 2020)

The paper aims to offer solutions for Waqaf Institu-

tions who want to make the watershed funds in digital

but with several stages to note, they are Digital Analy-

sis, Digital Vision, Digital Message, Digital Channel,

Digital Campaign, and Digital Report.

2 SYSTEM DESIGN

Figure 1 is the visualization of system design in high

level view which represents portrayal of the

applications that will be developed in this research.

There are two general kinds of actions that can be

done by Admin and Wakif. The first one is ability of

Wakif to access waqf program hence doing the trans-

action to pay for the cash waqf to the intended pro-

gram, afterwards when the transaction successful, it

will be stored in transaction history and Wakif is able

to see the usage of the cash waqf usage report. Mean-

while the admin can manage some datas, they are cash

waqf programs, cash waqf program categories and

cash waqf transactions. Admin can manage the cash

waqf program by having access for CRUD or modi-

fying the data and creating cash waqf program report.

For the cash waqf transaction admin has duty for re-

viewing the transaction, when the transaction is suc-

Figure 1: System Design.

cess and the money has been accepted then the waqf

certificate and deed can be uploaded hence Wakif can

download the uploaded documents.

2.1 Database

Database is a media for storing all of data that will be

used in the applications, database has functions to

store all of the cash waqf transactions, beside that it

also can be utilized as storage for all of multimedia

files that are needed by the applications. The system

will use a relational database, MySQL.

2.2 Web Service

Web service is a service that is created to do all of the

data exchange interaction between applications with

the database. Web service will give data output from

the database that will be sent to the application in

JSON (JavaScript Object Notation) format. The sys-

tem will use a web service that is built with Express.js

framework.

2.3 Payment Gateway

Payment gateway is a system that authorizes every

payment process from client to the company. The

system will use Midtrans payment gateway service.

The payment gateway will make cash waqf payment

from waqifs verification process in automated way

possible. When the payment is received by waqifs, it

will notify the applications through integrated web

service.

iCAST-ES 2021 - International Conference on Applied Science and Technology on Engineering Science

722

2.4 Web Application

Waqifs are able to pay for permanent and time period

based cash waqf in the website platform by choosing

a cash waqf program which then executes the pay-

ment process with the desired payment method. The

website platform also provides dashboard for waqifs

in which they are able to review the summary of cash

waqf payment activities those have been done before

such as how many times they have paid for cash waqf,

total of all of paid cash waqf and the most current cash

waqf payment. Admin page is also provided in the

website platform where the admin of the official waqf

institution (BWI) can manage cash waqf programs,

categorization of cash waqf programs, and permanent

and time period based cash waqf payment.

2.5 Mobile Application

Mobile application of cash waqf information system

will be used by waqif for cash waqf payment trans-

action. To do the transaction of cash waqf payment,

waqifs are able to choose the desired cash waqf pro-

gram, and then complete the transaction with the cho-

sen payment method. The payment that has been done

by waqif will be verified automatically by Midtrans

payment gateway that has been integrated with the ap-

plication. After doing the transaction, waqifs are able

to monitor the usage of the paid cash waqf money by

report of cash waqf funds utilizations for the picked

cash waqf program. On the other hand, waqif are also

able to review their cash waqf payments in cash waqf

payment history feature.

3 EXPERIMENTAL RESULT

This experiment will be conducted to ensure whether

the website and mobile application have been working

as expected.

3.1 Mobile Application

Figure 2 is the snapshot of waqf programs list avail-

able in the system, users are able to navigate to one of

the desired waqf program to see the detail of the

selected waqf program.

Figure 3 is the display of selected waqf program.

The page contains some informations such as title of

the waqf program, category of the waqf program,

collected cash waqf funds, waqf program descrip-

tion, button to for viewing list of waqifs who have

paid to the waqf program, and button to navigate list

of waqf program monitoring report. Executing cash

Figure 2: Display of Waqf Programs List.

Figure 3: Display of Selected Waqf Program Detail.

waqf transaction can be directly done in the page by

pressing the “Saya ingin berwakaf” labelled button

Cash Waqf Information System

723

Figure 4: Display of Collected Cash Waqf Program Funds

Usage.

Figure 4 is the display of monitoring report of col-

lected cash waqf funds usages. There are some infor-

mations that can be seen in the page such as date and

time from the report, description and image if avail-

able.

Figure 5 and Figure 6 show payment forms of cash

waqf that have to be filled by waqif if he want to make

payment to the desired waqf program. In the page

waqif have to fill some fields such as amount of

money to be paid, kind of cash waqf, waqif name,

payment method, and other additional informations

like bank account for paid cash waqf money reim-

bursement and period of time (in annual form) for

time period based cash waqf.

Figure 7 is the snapshot of history of cash waqf

payment that has been done by waqif. The page shows

some informations those are date and time of the

transaction, title of waqf program, category of cash

waqf, payment status and amount of money paid for

the waqf program.

Figure 8 and Figure 9 represent the details of cash

waqf transaction. The page contains some informa-

tions such as date and time of the transaction, cate-

gory of cash waqf, amount of money paid for the waqf

program, waqif name, title of waqf program, payment

code, status of the payment, buttons for downloading

Figure 5: Display of Permanent Cash Waqf Payment Form.

the cash waqf certificate and cash waqf deed docu-

ments, and some other additional informations like

period of time defined and the due date of the cash

waqf reimbursement, and bank account for the reim-

bursement of time period based cash waqf.

3.2 Web Application

Fig 10 is the snapshot of waqf programs list available

in the system, users are able to navigate to one of the

desired waqf program to see the detail of the selected

waqf program. Users are able to navigate to the de-

sired waqf program by filtering from the categories of

waqf program and by keyword of waqf program title.

Fig 11 is the display of selected waqf program.

The page contains some informations such as title

of the waqf program, category of the waqf program,

collected cash waqf funds, tab for reading waqf pro-

gram description, and tab to navigate list of waqf pro-

gram monitoring report. Executing cash waqf trans-

action can be directly done in the page by pressing the

“Berwakaf” labelled button.

Fig 12 is the display of monitoring report of col-

lected cash waqf funds usages. There are some infor-

mations that can be seen in the page such as date and

time from the report, description and image if avail-

able.

iCAST-ES 2021 - International Conference on Applied Science and Technology on Engineering Science

724

Figure 6: Display of Time Period Based Cash Waqf Pay-

ment Form.

Fig 13 and Fig 14 show payment forms of

cashwaqf that have to be filled by waqif if he want to

make payment to the desired waqf program. The web-

site provided the same form as the mobile application

does, but it displayed in the form of modal pop up

containing the form.

Fig 15 is the display of history of cash waqf trans-

action that has been done by waqif. The figure is the

history of permanent cash waqf, there is also menu

provided for the time period based cash waqf. The

feature can be found in waqif dashboard page.

Fig 16 and Fig 17 represent the detail of cash waqf

transaction. Like the feature provided in the mo- bile

application but the transaction detail is served in form

of modal pop up that will be displayed when user

clicks detail button of the selected history of cash waqf

payment detail button.

3.3 Comparison

Table 1 shows the comparisons of the proposed sys-

tem with related works in terms of features of the ap-

plication.

Table 2 shows a comparisons of payment system

using and without payment gateway.

Figure 7: Display of History of Cash Waqf Payment.

Figure 8: Display of Permanent Cash Waqf Transaction De-

tail.

Cash Waqf Information System

725

Table 1: Related Works Comparison Table.

Title Web

App

Mobile

App

Transaction

History

ment

Gateway

(Mohd Shahrul Nizam Mohd Danuri and Ahmad, 2019)

(Izra Berakon and Yasinta, 2017)

C C

(Haneffa Muchlis Gazali, 2019)

(Suhaili Alma’amun and Adnan, 2018)

Our Proposed System, 2021

C C C

Table 2: Payment System Comparison.

Feature With Pa

ment Gatewa

Without Pa

ment Gatewa

ment Method Many Choices Few Choices

ment Confirmation Automatic and Instan

Manual

ment Expiration 24 hours

ot Specifie

Figure 9: Display of Time Period Based Cash Waqf Trans-

action Detail.

4 CONCLUSION

Waqf is a mobile or immobile thing that is pro- vided

for public importance as a charity. Cash waqf is highly

potential in creating prosperity in the eco- nomic

sector and able to contribute in economic de-

velopment. Nevertheless, the great potency has not

given it’s good effects yet in the real world circum-

Figure 10: Display of Waqf Programs List.

Figure 11: Display of Selected Waqf Program Detail.

Figure 12: Display of Collected Cash Waqf Program Funds

Usage.

stances, it happens because the activity of the waqf

process is still complicated and conventional. There-

fore, this research will produce a website and mobile

iCAST-ES 2021 - International Conference on Applied Science and Technology on Engineering Science

726

Figure 13: Display of Permanent Cash Waqf Payment

Form.

Figure 14: Display of Time Period Based Cash Waqf Pay-

ment Form.

Figure 15: Display of Cash Waqf Transaction History Page.

based platform of management information system of

cash waqf. This application will be integrated with the

payment gateway system so that the payment pro- cess

of cash waqf transaction can be automated. The first

experiment shows that the cash waqf transaction

process can be more efficient in time and the payment

process is automatic as a result, it can ease waqif that

will be having cash waqf payment.

The applications only cover cash waqf fundrais-

ing, and are not able yet to cover all of the process

Figure 16: Display of Permanent Cash Waqf Transaction

Detail.

Figure 17: Display of Time Period Based Cash Waqf Trans-

action Detail.

of management of distribution of collected cash waqf

funds in a solid way. For the future work, the writer

suggests to widen the coverage of the applications un-

til the distribution and management process of col-

lected cash waqf funds. So that the problems of cash

waqf in Indonesia entirely can be solved just by using

the applications.

REFERENCES

Asyraf, J. A. and Luckyardi, S. (2019). Effectiveness of

online based fundraising sites. In IOP Conf. Series:

Materials Science and Engineering,.

Haneffa Muchlis Gazali, C. M. H. C. I. (2019). A con-

ceptual framework for cash waqf with blockchain in

financing education for the islamic religious school in

malaysia. Journal of Islamic Sciences and Compara-

tive Studies, 3.

Iskandar, F. I. (2019). Fundraising strategy of cash waqf in

pondok modern tazakka in 2019. Journal of Islamic

Economics and Philanthropy, 2.

Izra Berakon, Agus Muhammad Irsad, N. N. H. and Yasinta,

H. F. (2017). E-payment: Inovasi layanan penghim- punan

dan redistribusi wakaf uang berbasis online dalam

Cash Waqf Information System

727

percepatan pembangunan ekonomi indonesia. Jurnal

Al-Qardh IAIN Palangka Raya.

Mohd Hafiz bin Hj. Fauzi, Sofri Yahya, M. S. H. and Zahrin,

S. N. A. (2019). The role of online facility in cash waqf

contribution: Experience of bank muamalat malaysia

berhad (bmmb). South East Asia Journal of

Contemporary Business, Economics and Law, 19.

Mohd Shahrul Nizam Mohd Danuri, K. A. R. and Ahmad,

C. W. S. B. C. W. (2019). Proposed conceptual design of

waqf management system. Malaysian Journal of

Information and Communication Technology, 4.

Rahmatullah and Putra, B. R. (2020). Digital fundraising

model of cash waqf. rnal Ilmiah Ekonomi Islam.

Suhaili Alma’amun, Muhammad Hakimi Mohd Shafiai,

S. S. and Adnan, M. S. A. (2018). Waqf-based crowd-

funding: a case study of waqfworld.org. International

Journal of Islamic Economics and Finance Research, 1.

Yoshida, E. (2019). Fintech-enabled cash waqf: Effective

intermediary of social finance. Revitalization of Waqf

for Socio-Economic Development, 1.

iCAST-ES 2021 - International Conference on Applied Science and Technology on Engineering Science

728