https://ejournal.steialfurqon.ac.id/index.php/adl <p><strong>ADL ISLAMIC ECONOMIC : Jurnal Kajian Ekonomi Islam</strong>&nbsp;is a scientific journal published in print and online. This journal is published by the Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih. This journal is published every six months in April and October.</p> Sekolah Tinggi Ekonomi Islam Al-Furqon Prabumulih en-US ADL ISLAMIC ECONOMIC 2722-2810 <div id="deed-conditions" class="row"> <h3>Under the following terms:</h3> <ul class="license-properties col-md-offset-2 col-md-8" dir="ltr"> <li class="license by"> <p><strong>Attribution</strong>&nbsp;- You must give&nbsp;<a id="appropriate_credit_popup" class="helpLink" title="" href="https://creativecommons.org/licenses/by/4.0/#" data-original-title="">appropriate credit</a>, provide a link to the license, and&nbsp;<a id="indicate_changes_popup" class="helpLink" title="" href="https://creativecommons.org/licenses/by/4.0/#" data-original-title="">indicate if changes were made</a>. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.<span id="by-more-container"></span></p> </li> </ul> </div> <div class="row"> <ul id="deed-conditions-no-icons" class="col-md-offset-2 col-md-8"> <li class="license"><strong>No additional restrictions</strong>&nbsp;- You may not apply legal terms or&nbsp;<a id="technological_measures_popup" class="helpLink" title="" href="https://creativecommons.org/licenses/by/4.0/#" data-original-title="">technological measures</a>&nbsp;that legally restrict others from doing anything the license permits.</li> </ul> </div> https://ejournal.steialfurqon.ac.id/index.php/adl/article/view/158 <p><em>Financial technology has changed zakat and waqf management by expanding payment access, accelerating records, supporting digital campaigns, and enabling crowdfunding and transaction traceability. This article analyzes the managerial role of fintech in zakat and waqf through library research with a descriptive-analytical approach. Relevant peer-reviewed studies were reviewed through documentation, classification, interpretation, and thematic synthesis. The findings show that ease of use alone does not guarantee sustainable adoption. Digital services must be supported by literacy, institutional trust, sharia compliance, cybersecurity, professional human resources, and integrated data. In zakat management, fintech is effective when collection channels are connected to payer records, beneficiary targeting, distribution monitoring, and impact reporting. In waqf management, fintech must also preserve the principal asset, disclose project risks, report investment performance, and ensure the continuity of benefits. Blockchain and smart contracts may strengthen traceability and automation, but their value depends on reliable off-chain data and accountable governance. Fintech should therefore be developed as an end-to-end governance infrastructure rather than merely a digital payment instrument.</em></p> Hairun Nisa Desi Arisandy Darsi Ahmadan Mudzakir Ilyas Copyright (c) 2026 ADL ISLAMIC ECONOMIC https://creativecommons.org/licenses/by-sa/4.0 2026-08-26 2026-08-26 7 1 1 16 10.56644/adl.v7i1.158 https://ejournal.steialfurqon.ac.id/index.php/adl/article/view/159 <p><em>Islamic microfinance institutions must expand outreach while preserving liquidity, solvency and Sharia integrity. This article examines whether murabahah, mudharabah and musyarakah portfolio composition is associated with the financial resilience of Indonesian Lembaga Keuangan Mikro Syariah (LKMS). Using a province-period panel of 200 observations and a complementary legal-form product-mix layer, the study shows that LKMS resilience is heterogeneous across regions and funding structures. Larger provincial systems extend more financing but hold thinner equity buffers. Product-mix evidence suggests that diversification is resilience-enhancing only when matched with governance, liquidity and borrower-monitoring capacity. The article advances a fit-based theory of resilient Islamic microfinance.</em></p> ratna ratna Nia Andria Erzah Meirina Alkhoiriah Eka Putri Hairun Nisa Muhammad Yusup Copyright (c) 2026 ADL ISLAMIC ECONOMIC https://creativecommons.org/licenses/by-sa/4.0 2026-09-08 2026-09-08 7 1 17 41 10.56644/adl.v7i1.159