Demi Transparansi Ziswaf Dompet Duafa Terapkan Teknologi Blockchain

Dipos oleh Dhirga Erlanggapada

KATACARA, BOGOR, – Zakat, infak, sedekah, dan wakaf (Ziswaf) merupakan dana umat yang mesti dikelola secara amanah, profesional, dan transparan sebagai bentuk pertanggungjawaban publik. Prinsip penting yang harus dijaga dalam pengelolaan dana publik adalah transparansi.

Pesatnya perkembangan teknologi informasi dewasa ini bisa dimanfaatkan untuk mewujudkan transparansi pengelolaan Ziswaf. Dalam hal ini, teknologi blockchain bisa menjadi pertimbangan untuk diaplikasikan dalam dunia filantropi, khususnya Ziswaf. Transparansi menjadi keunggulan utama teknologi blockchain.

Secara sederhana, blockchain dapat diartikan sebagai teknologi pencatatan buku besar yang terdistribusi dan tidak bergantung pada satu server pusat. Data yang dikelola dengan teknologi blockchain memungkinkan untuk dilacak dan diakses oleh siapapun melalui jaringan internet yang saling terkoneksi. Dengan kata lain, donatur dan publik bisa ikut melakukan pengawasan.

Lantas, bagaimana penerapan teknologi blockchain dalam dunia Ziswaf? Lembaga Ziswaf bisa melakukan kerjasama dengan perusahaan teknologi informasi untuk membuat platform crowdfunding Ziswaf berbasis teknologi blockchain. Melalui platform tersebut, umat Islam bisa membayarkan zakat, infak, sedekah, dan wakafnya.

Dengan teknologi blockchain, maka muzaki, munfik, atau wakif bisa melacak alur pengelolaan dan penyaluran donasi yang telah dikeluarkannya sampai ke end user (mustahik atau mauquf ‘alaih). Hal ini memungkinkan karena perpindahan setiap transaksi, semuanya otomatis tercatat dalam ledger technology (teknologi buku besar).

Inilah keunggulan teknologi blockchain. Melalui penerapan teknologi blockchain, Lembaga Ziswaf dapat meningkatkan kualitas transparansi dan akuntabilitas publiknya. Hal ini diharapkan akan meningkatkan kepercayaan publik untuk membayar atau mengeluarkan Ziswaf melalui Lembaga Ziswaf.

Melalui teknologi blockchain, realiasasi penghimpunan Ziswaf yang masih jauh dari potensinya bisa terus dikurangi gap-nya. Mayoritas donatur Lembaga Ziswaf adalah donatur ritel atau perorangan. Hanya sekitar 15 – 20% yang merupakan donatur korporasi.

Dari 80 – 85% donatur perorangan tersebut, mayoritas berada pada rentang usia 25 – 45 tahun. Artinya, prosentase generasi millenial sebagai donatur perorangan sangat potensial untuk ditingkatkan jumlahnya. Targetnya bisa lebih dispesifikan lagi menyasar rentang usia 25 – 35 tahun.

Generasi millenial memiliki karakteristik peer to peer (berinteraksi dan bertransaksi secara langsung tanpa perantara pihak ketiga), keterbukaan akses informasi, dan tidak hitung-hitungan dalam berdonasi. Mereka tidak akan sungkan untuk berdonasi jika Lembaga Ziswaf mampu menghadirkan layanan donasi sesuai karakteristik mereka.

Karena itu, peluang akselerasi penghimpunan Ziswaf ini bisa dioptimalkan melalui teknologi blockchain. Peluang ini akan lebih optimal lagi jika kita hubungkan dengan bonus demografi yang akan diperoleh Bangsa Indonesia pada beberapa tahun mendatang.

Artinya, penduduk usia produktif akan mendominasi komposisi warga Indonesia. Dan, mereka adalah generasi millenal dan zillenial (generasi yang lahir di atas tahun 2.000 dan memiliki karakteristik digital native). Ini peluang yang harus dioptimalkan oleh Lembaga Ziswaf agar semakin besar dana Ziswaf yang terhimpun untuk kemaslahatan dan kesejahteraan umat.

Selain itu, teknologi blockchain juga akan memudahkan Lembaga Ziswaf dalam melaporkan penghimpunan, pengelolaan, dan penyaluran Ziswaf karena datanya tersaji secara realtime. Transparansi akan menjadi keunggulan kompetitif bagi Lembaga Ziswaf yang menerapkan teknologi blockchain.

Selain itu, keterbacaan secara realtime alokasi penyaluran dana Ziswaf kepada mustahik dalam bentuk program kesehatan, pendidikan, ekonomi, dan sosial-dakwah juga membantu memberikan preferensi donasi kepada donatur.

Donatur yang memiliki preferensi menyalurkan Ziswaf-nya untuk program pendidikan misalnya, maka ia bisa melacak dan mengakses apakah benar donasinya disalurkan untuk program pendidikan? Hal ini akan meningkatkan tingkat kepuasan donatur atau pelanggan (customer satisfaction index).

Ketersajian data secara realtime juga bermanfaat untuk melakukan evaluasi kinerja penghimpunan Lembaga Ziswaf. Perubahan strategi marketing komunikasi dan fundraising bisa dilakukan sesuai data perkembangan di lapangan. Intinya, penerapan teknologi blockchain akan meningkatkan performa Lembaga Ziswaf, baik dari sisi penghimpunan dan pengelolaan maupun pelaporan dan transparansi publik.

Maka, pertanyaannya, adakah Lembaga Ziswaf yang siap menjadi pioneer menerapkan teknologi blockchain dalam penghimpunan, pengelolaan, dan pelaporan dana Ziswaf? Keuntungannya, biasanya pioneer akan menjadi pemimpin pasar. .

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