Hybrid Philanthropy Optimization Model: The Auto-Sweeping Algorithm of Digital Residue for Constructing Social Fiscal Capacity

Abstract

Despite the exponential growth in adoption of Islamic financial technology, there is a paradox of inefficiency where the high frequency of digital transactions is not directly proportional to the accumulation of social funds. Households tend to hold micro-balances (residues) that remain in digital accounts because they are considered worthless, while psychological friction hinders large manual donations. This study constructs a new mathematical model to optimize household philanthropy using the 'Dual-Debit' algorithm—a hybrid mechanism that integrates planned (deterministic) zakat with automatic (stochastic) digital residue sweeping. Using a Constructive Research Approach, the study formulates a psychological threshold-based algorithm function () of IDR 10,000. Validation through numerical simulations on 100,000 Islamic banking accounts in the Pekalongan area shows transformative results: this mechanism creates Pareto improvement conditions by mobilizing dormant liquidity without reducing household consumption utility. Simulation data reveals the formation of new aggregate social fiscal capacity of IDR 26.4 billion per year from just one medium-sized city. These findings provide a robust technological framework for Islamic banking to operationalize the principle of wealth circulation (rawaj) and prevent systemic asset accumulation (iktinaz).