MUSTAHIK ECONOMIC EMPOWERMENT STRATEGY THROUGH THE PRODUCTIVE ZAKAT PROGRAM: A QUALITATIVE STUDY ON LAZNAS BMH
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Abstract
The productive zakat program serves as a strategic instrument in the economic empowerment of mustahik to achieve sustainable welfare and financial independence, as implemented by LAZNAS BMH. This research analyzes empowerment strategies, implementation processes, economic and non-economic impacts, supporting and inhibiting factors of the productive zakat program, as well as its contribution to the paradigm shift in Islamic philanthropy from consumptive to productive. A qualitative approach using a case study method was employed, involving in-depth interviews with managers, mustahik, partners, and community figures, analyzed thematically using NVivo. The results indicate a structured strategy encompassing potential-based selection, provision of business capital/tools, and intensive mentoring that enhances mustahik's skills, business management, and independent mindset. Positive impacts include increased income, family economic stability, reduced dependence on aid, as well as improved self-confidence and motivation. The main supporting factors are mustahik commitment, mentoring, and social support, while inhibitors include business capacity limitations, market access, and mentoring resources. This study fills the literature gap on productive zakat implementation in zakat amil institutions, emphasizes the need for comprehensive regulations to professionalize amil, and recommends a sharia-based empowerment framework for other zakat institutions to address structural poverty.
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[1]
R. Santika and E. Muliansyah, “MUSTAHIK ECONOMIC EMPOWERMENT STRATEGY THROUGH THE PRODUCTIVE ZAKAT PROGRAM: A QUALITATIVE STUDY ON LAZNAS BMH”, JURNAL EDUCATION AND DEVELOPMENT, vol. 14, no. 2, pp. 284-293, May 2026.
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References
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Arvianto, G., Cortez, M. B., Widyastuti, V. R., & Ilmada, Z. (2021). ANALISIS AKAD-AKAD DALAM FINTECH P2P LENDING SYARIAH DI INDONESIA. Academica Journal of Multidisciplinary Studies, 5(1), 183. https://doi.org/10.22515/academica.v5i1.4116
Azganin, H., Kassim, S., & Sa’ad, A. A. (2021). Proposed waqf crowdfunding models for small farmers and the required parameters for their application. Islamic Economic Studies, 29(1), 2. https://doi.org/10.1108/ies-01-2021-0006
Bist, A. S. (2023). The Importance of Building a Digital Business Startup in College. Startupreneur Business Digital (SABDA Journal), 2(1), 31. https://doi.org/10.33050/sabda.v2i1.265
Bossuroy, T., Goldstein, M., Karimou, B., Karlan, D., Kazianga, H., Parienté, W., Prémand, P., Thomas, C., Udry, C., Vaillant, J., & Wright, K. (2022). Tackling psychosocial and capital constraints to alleviate poverty. Nature, 605(7909), 291. https://doi.org/10.1038/s41586-022-04647-8
Carrasco-Carvajal, O., Castillo‐Vergara, M., & Lema, D. G. P. de. (2022). Measuring open innovation in SMEs: an overview of current research. Review of Managerial Science, 17(2), 397. https://doi.org/10.1007/s11846-022-00533-9
Damanhuri, D., Misbah, T. L., Hasyim, S., & Mistiar, W. (2023). Korelasi Integritas Akhlak Pelaku Ekonomi dengan Kesuksesan Bisnis. Journal of Law and Economics, 2(2), 97. https://doi.org/10.56347/jle.v2i2.183
Filippelli, S., Troise, C., Bigliardi, B., & Corvello, V. (2024). Examining the influence of entrepreneurial ecosystem pressure on the economic, social, and environmental orientation of startups. Technological Forecasting and Social Change, 210, 123900. https://doi.org/10.1016/j.techfore.2024.123900
Haddade, H., Nur, A., Achruh, A., Rasyid, M. N. A., & Ibrahim, A. (2024). Madrasah management strategies through Madrasah Reform program: an evidence from Indonesia. International Journal of Educational Management, 38(5), 1289. https://doi.org/10.1108/ijem-05-2023-0236
Herissuparman, E., Ismane, M. A., & Ashari, H. (2024). MSMEs and Rural Prosperity: A Study of their Influence in Indonesian Agriculture and Rural Economy. International Journal of Innovative Science and Research Technology (IJISRT), 2020. https://doi.org/10.38124/ijisrt/ijisrt24jun1227
Hidalgo, C. A. (2021). Economic complexity theory and applications. Nature Reviews Physics, 3(2), 92. https://doi.org/10.1038/s42254-020-00275-1
Kader, H. (2021). Human well-being, morality and the economy: an Islamic perspective. Islamic Economic Studies, 28(2), 102. https://doi.org/10.1108/ies-07-2020-0026
Lamido, A. A., & Haneef, M. A. (2021). Shifting the paradigms in waqf economics: towards renewed focus on socioeconomic development. Islamic Economic Studies, 29(1), 18. https://doi.org/10.1108/ies-04-2021-0014
Malinao, C. W. M., & Hernando, F. G. (2021). ARE PEOPLE IN IFUGAO, PHILIPPINES ENTREPRENEURIAL? International Journal of Management & Entrepreneurship Research, 3(6), 208. https://doi.org/10.51594/ijmer.v3i6.239
Menne, F., Hasiara, L. O., Setiawan, A., Palisuri, P., Tenrigau, A. M., Waspada, W., Juliana, J., & Nurhilalia, N. (2023). Sharia accounting model in the perspective of financial innovation. Journal of Open Innovation Technology Market and Complexity, 10(1), 100176. https://doi.org/10.1016/j.joitmc.2023.100176
Muliansyah, E & Hermawan, M. S. (2025). The Integration Of Sharia-Based Good Corporate Governance And Environmental, Social, And Governance In Enhancing Donor Participation, Ekuitas: Jurnal Ekonomi dan Keuangan, Vol.9 No.3 https://doi.org/10.24034/j25485024.y2025.v9.i3.7185
Nafiza, A. Z., Darsini, D., Prasetyowati, D. D., Syafitri, N. I., & Yuliana, Y. (2021). STRATEGI KEWIRAUSAHAAN DI PONDOK PESANTREN MUHAMMAD AL-FATIH SUKOHARJO. Academica Journal of Multidisciplinary Studies, 5(2), 215. https://doi.org/10.22515/academica.v5i2.4104
Nogueira, C., Marques, J. F., & Pinto, H. (2022). Civil economy as a path towards sustainability: An empirical investigation. Journal of Cleaner Production, 383, 135486. https://doi.org/10.1016/j.jclepro.2022.135486
Prasetyo, E. H. (2023). Digital platforms’ strategies in Indonesia: Navigating between technology and informal economy. Technology in Society, 76, 102414. https://doi.org/10.1016/j.techsoc.2023.102414
Purnama, S., Baedowi, H., & Putrasetia, Y. J. (2023). Creative Industry Development Strategy for Home Culinary Businesses. Startupreneur Business Digital (SABDA Journal), 2(2), 126. https://doi.org/10.33050/sabda.v2i2.302
Rahmawati, Y., Azka, F. M., Wahyudi, M. A., & Bakri, S. (2023). ANALISIS JUAL BELI MODEL DROPSHIPPING DALAM PERSPEKTIF ETIKA BISNIS ISLAM. Academica Journal of Multidisciplinary Studies, 6(2), 353. https://doi.org/10.22515/academica.v6i2.6152
Rehman, A. ur, Aslam, E., & Iqbal, A. (2021). Factors influencing the intention to give zakāt on employment income: evidence from the Kingdom of Saudi Arabia. Islamic Economic Studies, 29(1), 33. https://doi.org/10.1108/ies-05-2020-0017
Rocha, R. G., Paço, A., & Alves, H. (2024). Entrepreneurship education for non-business students: A social learning perspective. The International Journal of Management Education, 22(2), 100974. https://doi.org/10.1016/j.ijme.2024.100974
Surya, B., Menne, F., Sabhan, H., Suriani, S., Abubakar, H., & Idris, M. (2021). Economic Growth, Increasing Productivity of SMEs, and Open Innovation. Journal of Open Innovation Technology Market and Complexity, 7(1), 20. https://doi.org/10.3390/joitmc7010020
Testa, S., Atawna, T., Baldi, G., & Cincotti, S. (2022). The innovation potential of Islamic crowdfunding platforms in contributing to sustainable development. European Journal of Innovation Management, 25(6), 1008. https://doi.org/10.1108/ejim-11-2021-0547
Watini, S., Latifah, H., Rudianto, D., & Santoso, N. A. (2022). Adaptation of Digital Marketing of Coffee MSME Products to Digital Transformation in the Era of the Covid-19 Pandemic. Startupreneur Business Digital (SABDA Journal), 1(1), 23. https://doi.org/10.33050/sabda.v1i1.73
Widiastuti, T., Robani, A., Mawardi, I., Fanani, S., Hassan, S. A., Al-Mustofa, M. U., Atiya, N., Indirwan, S. K., Dewi, E. P., & Susilowati, F. D. (2025). Innovating zakat governance through good Amil governance (GAG): A structural policy model using DEMATEL-ANP in Indonesia. Journal of Open Innovation Technology Market and Complexity, 12(1), 100711. https://doi.org/10.1016/j.joitmc.2025.100711
Yerrou, H., Achmaoui, A., & Oumaima, B. (2023). The determinants of institutionalization of Zakāt: the case of Morocco. Islamic Economic Studies, 31, 22. https://doi.org/10.1108/ies-01-2023-0003