Utilization of Productive Zakat in Improving Mustahiq Businesses at the National Zakat Agency of Bulukumba Regency
Kata Kunci:
Productive Zakat, Economic Empowerment, Beneficiaries, Baznas, Qualitative ApproachAbstrak
This study aims to explore the implementation of productive zakat by BAZNAS Bulukumba Regency and its impact on the economic empowerment of mustahiq. A descriptive qualitative approach was used through in-depth interviews, observation, and documentation. The research findings reveal three main themes in the implementation of productive zakat: the mechanisms for utilizing zakat, the impact on beneficiaries, and the supporting and hindering factors for the sustainability of the program. BAZNAS Bulukumba implements a structured mechanism through beneficiary selection, entrepreneurship training, and business mentoring. This program has a positive impact on increasing income, entrepreneurial capacity, and the sustainability of mustahiq businesses. However, the success of the program is also influenced by internal factors such as the financial literacy of mustahiq, as well as external factors such as local government support and funding limitations. These findings indicate the importance of integrating zakat with sustainable empowerment programs, a robust evaluation system, and multi-stakeholder involvement to optimize the social function of zakat. The research findings contribute to the development of a community-based productive zakat model and emphasize the importance of a holistic approach in zakat management.
Referensi
Abdullah, M., & Sapiei, N. S. (2018). The determinants of zakat compliance behavior among Muslim employees in Malaysia. International Journal of Islamic and Middle Eastern Finance and Management, 11(3), 357–373. https://doi.org/10.1108/IMEFM-03-2017-0063
Amilahaq, F., Wijayanti, P., Mohd Nasir, N. E., & Ahmad, S. (2020). Digital Platform of Zakat Management Organization for Young Adults in Indonesia. In Complex, Intelligent and Software Intensive Systems (pp. 454–462). Springer. https://doi.org/10.1007/978-3-030-50454-0_46
Aziz, Y., Mansor, F., Waqar, S., & Haji Abdullah, L. (2020). The nexus between zakat and poverty reduction: A multidimensional poverty index approach. Asian Social Work and Policy Review, 14(3), 235–247. https://doi.org/10.1111/aswp.12189
Beik, I. S., & Arsyianti, L. D. (2015). Measuring Zakat Impact on Poverty and Welfare Using CIBEST Model. Journal of Islamic Monetary Economics and Finance, 1(2), 141–160. https://doi.org/10.21098/jimf.v1i2.14
Bin-Nashwan, S. A., Ismaiel, A. E. A., Muneeza, A., & Isa, M. Y. (2023). Adoption of ZakaTech in the time of COVID-19: cross-country and gender differences. Journal of Islamic Marketing, 14(1), 1–20. https://doi.org/10.1108/JIMA-07-2021-0212
Creswell, J. W., & Poth, C. N. (2018). Qualitative inquiry and research design: Choosing among five approaches (4th ed.). SAGE Publications.
Furqani, H., Mulyany, R., & Yunus, F. (2018). Zakat for economic empowerment: Analyzing the models, strategy, and implications of zakat productive program in Baitul Mal Aceh. International Journal of Zakat, 3(1), 1–14. https://doi.org/10.37706/ijaz.v3i1.71
Hassan, M. K., & Aliyu, S. (2018). A review of Islamic microfinance: Challenges and prospects. International Journal of Islamic and Middle Eastern Finance and Management, 11(1), 1–20. https://doi.org/10.1108/IMEFM-01-2017-0020
Hassan, R., & Mohd Ali, N. A. (2020). The role of zakat in alleviating poverty: A case study of Malaysia. Journal of Islamic Accounting and Business Research, 11(2), 498–510. https://doi.org/10.1108/JIABR-07-2017-0091
Hudaefi, F. A., Caraka, R. E., & Wahid, H. (2022). Zakat administration in times of COVID-19 pandemic in Indonesia: A knowledge discovery via text mining. International Journal of Islamic and Middle Eastern Finance and Management, 15(2), 271–286. https://doi.org/10.1108/IMEFM-07-2021-0281
Ismail, A. G., & Tohirin, A. (2021). Zakat as an Islamic social finance instrument to reduce poverty in Indonesia. International Journal of Zakat, 6(1), 1–10. https://doi.org/10.37706/ijaz.v6i1.200
Jasri, A. S. W., & Malik, A. (2023). The Effectiveness Of Village Microfinance Financing Program By Baznas In Encouraging The Development Of Micro-Entreprises. At-Tijaroh: Jurnal Ilmu Manajemen Dan Bisnis Islam, 9, 205-15.
Jasri, J., Wahdah, A. S., Ridwan, M., & Malik, A. (2023). Efektivitas Program Pembiayaan Mikrofinance Desa Oleh Baznas Dalam Mendorong Pengembangan Usaha Mikro Mustahik. Jurnal Bina Bangsa Ekonomika, 16(2), 556-563.
Khairi, K. F., Rafiki, A., Rahmadhani, S. N., & Ananda, R. F. (2024). Strategies and Applications of Blockchain Technology of Zakat Collection and Distribution in Malaysia and Indonesia. In Strategic Islamic Business and Management (pp. 19–34). Springer. https://doi.org/10.1007/978-3-031-61778-2_2
Kusuma, H., & Sari, M. (2021). The role of zakat in supporting the SDGs: A case study of Indonesia. Journal of Islamic Accounting and Business Research, 12(6), 823–839. https://doi.org/10.1108/JIABR-09-2020-0280
Mawardi, I., Widiastuti, T., Al Mustofa, M. U., & Hakimi, F. (2023). Analyzing the impact of productive zakat on the welfare of zakat recipients. Journal of Islamic Accounting and Business Research, 14(1), 118–140. https://doi.org/10.1108/JIABR-03-2022-0077
Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). SAGE Publications.
Mohammed, M. O., Robbana, A., & Bedoui, H. (2021). Zakat digital management techniques. In Insights and Solutions (pp. 299–317). Springer. https://doi.org/10.1007/978-3-030-66305-6_15
Muneeza, A., Bin-Nashwan, S. A., Moshin, M. I. A., Mohamed, I., & Al-Saadi, A. (2022). Zakat payment from cryptocurrencies and crypto assets. International Journal of Islamic and Middle Eastern Finance and Management, 16(3), 482–497. https://doi.org/10.1108/IMEFM-09-2021-0387
Nasution, S. (2020). Metode Penelitian Kualitatif. Bandung: Tarsito.
Nazeri, A. N. N., Nor, S. M., Rahman, A. A., Majid, M. A., & Hamid, S. N. A. (2023). Exploration of a new zakat management system empowered by Blockchain Technology in Malaysia. ISRA International Journal of Islamic Finance, 15(4), 127–147. https://doi.org/10.1108/IJIF-10-2022-0075
Owoyemi, M. Y. (2020). Zakat management: The crisis of confidence in zakat agencies and the legality of giving zakat directly to the poor. Journal of Islamic Accounting and Business Research, 11(2), 498–510. https://doi.org/10.1108/JIABR-07-2017-0091
Pratiwi, A., & Sa’idah, U. (2022). A Mobile Application for Zakat Collection in Indonesia. In Islamic Philanthropy (pp. 229–237). Springer. https://doi.org/10.1007/978-3-031-06890-4_13
Rahman, A. A., & Ahmad, S. (2019). The effectiveness of zakat distribution in Malaysia. International Journal of Islamic and Middle Eastern Finance and Management, 12(1), 1–15. https://doi.org/10.1108/IMEFM-07-2018-0085
Saad, R. A. J., Ahmi, A., Sawandi, N., & Abdul Aziz, N. M. (2023). Zakat administration reformation towards an effective and efficient zakat revenue generation. Journal of Islamic Accounting and Business Research, 14(8), 1232–1260. https://doi.org/10.1108/JIABR-05-2021-0151
Sari, N. M., & Rahman, A. A. (2020). The impact of zakat on poverty and income inequality in Indonesia. Journal of Islamic Accounting and Business Research, 11(1), 1–15. https://doi.org/10.1108/JIABR-07-2017-0090
Shaukat, B., & Zhu, Q. (2021). Finance and growth: Particular role of zakat to levitate development in transition economies. International Journal of Finance & Economics, 26(1), 998–1017. https://doi.org/10.1002/ijfe.1805
Sugiyono. (2021). Metode Penelitian Kualitatif, Kuantitatif, dan R&D (2nd ed.). Bandung: Alfabeta.
Widodo, A. (2019). The role of integrated Islamic commercial and social finance in reducing income inequality in Indonesia. Journal of Islamic Monetary Economics and Finance, 5(2), 263–286. https://doi.org/10.21098/jimf.v5i2.1069
Yusoff, M. B., & Al-Qaradawi, Y. (2019). The role of zakat in achieving the Sustainable Development Goals: A case study of Malaysia. International Journal of Zakat, 4(1), 1–10. https://doi.org/10.37706/ijaz.v4i1.100
Yusuf, A. M. (2017). Metode Penelitian: Kuantitatif, Kualitatif & Gabungan. Jakarta: Kencana Prenadamedia Group.
Zulfikri, Z., Kassim, S., & Othman, A. H. A. (2023). A conceptual framework of zakat-based social finance ecosystem in Indonesia. ISRA International Journal of Islamic Finance, 15(2), 159–175. https://doi.org/10.1108/IJIF-10-2022-0068
