Cash Waqf Literacy in Islamic Higher Education: An Epistemic Perspective from Indonesia and Malaysia

Mutho'am; Bashori, Akmal; Sujarwo, Herman; Adila binti Mohd Noor, Nor; Faezah Ghazi Ahmad, Nor

doi:10.15575/am.v13i1.54407

Akses terbuka Jurnal

Cash Waqf Literacy in Islamic Higher Education: An Epistemic Perspective from Indonesia and Malaysia

Al-Muamalat · Vol. 13 No. 1 (2026) · hlm. 119–145

DOI: 10.15575/am.v13i1.54407
ISSN: 2716-0610, 2086-3225
Terbit: 2026-04-19
Penerbit: Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung
Bahasa: eng
Lisensi: creativecommons.org/licenses/by-sa/4.0

Abstrak

Cash waqf is an important instrument for Islamic social finance, but the optimal realization in higher education is affected by fragmented student literacy. A persistent gap remains in bridging traditional Islamic jurisprudence with modern digital frameworks. Therefore, this study aimed to analyze and compare the levels and drivers of cash waqf literacy in Islamic higher education institutions in Indonesia and Malaysia. Data from students at Universitas Sains Al-Qur’an (UNSIQ), Indonesia, and Universiti Teknologi MARA Terengganu Branch (UiTMCT), Malaysia, were evaluated using PLS-SEM and Multi-Group Analysis, complemented by qualitative insights through the adoption of a sequential explanatory design. The results showed that UNSIQ students reported strong conceptual mastery grounded in fiqh turāṡ but lacked understanding of modern technical innovations. Conversely, UiTMCT students exhibited functional literacy driven by institutional authority and digital technology, with limited reflection on classical normative foundations. The results suggested a failure of epistemic integration between Islam’s normative spiritual values and modern instrumental rationality. This study proposed an “integrative cash waqf literacy” framework synergizing fiqh turāṡ, institutional governance, and digital innovation to strengthen students' roles in Islamic philanthropy. Future studies should expand samples across broader institutions and use longitudinal designs to explore digital interventions in improving sustainable cash waqf literacy.

Kata kunci

Jaringan kolaborasi para penulis

10 penulis · 25 tautan kepenulisan bersama · 11 lintas organisasi

Arahkan kursor atau ketuk sebuah nama untuk menyorot rekan penulisnya. Klik dua kali untuk membuka halaman penulis.

Universitas Sains Al-Qur'an
Universiti Teknologi MARA
Universitas Islam Negeri Mahmud Yunus Batusangkar

Organisasi berbeda
Organisasi sama
Afiliasi tidak diketahui
Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel

Tampilkan sebagai tabel

Rekan penulis	Organisasi	Artikel bersama
Farida Arianti	Universitas Islam Negeri Mahmud Yunus Batusangkar	1
Mutho'am Mutho'am	Universitas Sains Al-Qur'an	1
Irma Nur Kumala	Universitas Sains Al-Qur'an	1
Eka Nurviani	Universitas Sains Al-Qur'an	1
Firda Laily Mukarromah	Universitas Sains Al-Qur'an	1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/mua/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.

Metadata asli (oai_dc)

<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en-US">Cash Waqf Literacy in Islamic Higher Education: An Epistemic Perspective from Indonesia and Malaysia</dc:title>
	<dc:creator>Mutho'am</dc:creator>
	<dc:creator>Bashori, Akmal</dc:creator>
	<dc:creator>Sujarwo, Herman</dc:creator>
	<dc:creator>Adila binti Mohd Noor, Nor</dc:creator>
	<dc:creator>Faezah Ghazi Ahmad, Nor</dc:creator>
	<dc:subject xml:lang="en-US">Cash Waqf Literacy</dc:subject>
	<dc:subject xml:lang="en-US">Higher Education</dc:subject>
	<dc:subject xml:lang="en-US">Epistemology</dc:subject>
	<dc:subject xml:lang="en-US">Fiqh Turāṡ</dc:subject>
	<dc:subject xml:lang="en-US">Modern Science</dc:subject>
	<dc:description xml:lang="en-US">Cash waqf is an important instrument for Islamic social finance, but the optimal realization in higher education is affected by fragmented student literacy. A persistent gap remains in bridging traditional Islamic jurisprudence with modern digital frameworks. Therefore, this study aimed to analyze and compare the levels and drivers of cash waqf literacy in Islamic higher education institutions in Indonesia and Malaysia. Data from students at Universitas Sains Al-Qur’an (UNSIQ), Indonesia, and Universiti Teknologi MARA Terengganu Branch (UiTMCT), Malaysia, were evaluated using PLS-SEM and Multi-Group Analysis, complemented by qualitative insights through the adoption of a sequential explanatory design. The results showed that UNSIQ students reported strong conceptual mastery grounded in fiqh turāṡ but lacked understanding of modern technical innovations. Conversely, UiTMCT students exhibited functional literacy driven by institutional authority and digital technology, with limited reflection on classical normative foundations. The results suggested a failure of epistemic integration between Islam’s normative spiritual values and modern instrumental rationality. This study proposed an “integrative cash waqf literacy” framework synergizing fiqh turāṡ, institutional governance, and digital innovation to strengthen students' roles in Islamic philanthropy. Future studies should expand samples across broader institutions and use longitudinal designs to explore digital interventions in improving sustainable cash waqf literacy.</dc:description>
	<dc:publisher xml:lang="en-US">Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2026-04-19</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/mua/article/view/54407</dc:identifier>
	<dc:identifier>10.15575/am.v13i1.54407</dc:identifier>
	<dc:source xml:lang="en-US">Al-Muamalat; Vol. 13 No. 1 (2026): January; 119-145</dc:source>
	<dc:source>2716-0610</dc:source>
	<dc:source>2086-3225</dc:source>
	<dc:source>10.15575/am.v13i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/mua/article/view/54407/16370</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2026 Mutho'am, Akmal Bashori, Herman Sujarwo, Nor Adila binti Mohd Noor, Nor Faezah Ghazi Ahmad</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>