Analisis Zakat Produktif sebagai Modal Usaha dalam Meningkatkan Kesejahteraan Mustahik di BPRS Haji Miskin Pandai Sikek Analysis of Productive Zakat as Business Capital in Improving the Welfare of Mustahik at BPRS Haji Miskin Pandai Sikek
Article Sidebar
Page Numbers:
4601-4617
Digital Object Identifier:
10.58578/arzusin.v6i5.11034
Viewed: 0 times
Downloaded: 0 times
LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:
Fadhilah Fadhilah1* 
Copyright :
Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
Productive zakat as an instrument for community economic empowerment has been widely studied; however, research that specifically discusses its implementation at Bank Perekonomian Rakyat Syariah (BPRS) in improving the welfare of mustahik remains limited. This study aims to analyze the implementation of productive zakat as business capital in improving the welfare of mustahik at BPRS Haji Miskin Pandai Sikek. This study employed a qualitative approach with a case study design, involving five informants consisting of BPRS managers and mustahik recipients of productive zakat selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and were then analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data condensation, data display, and conclusion drawing. The results show that the distribution of productive zakat was implemented through a systematic mechanism, beginning with the identification of prospective recipients, selection, distribution of business capital, and continuing with regular assistance and supervision. This program contributed to improving the business capacity, income, and economic independence of mustahik, although the business development of each recipient showed different levels of achievement. These findings reinforce the concept of productive zakat as an instrument of economic empowerment in Islamic economics and broaden the understanding of the social role of BPRS in managing zakat funds. The conclusion of this study emphasizes the importance of continuous assistance in improving the effectiveness of productive zakat. The implications of the study include theoretical contributions to the development of Islamic economics studies and practical implications for BPRS and zakat management institutions in optimizing community economic empowerment programs.
Keywords: Productive Zakat; Business Capital; Welfare of Mustahik; BPRS; Economic Empowerment
Downloads
Article Details
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
References
Adhim, A. J. H., & Huda, B. (2024). Pemanfaatan Zakat Produktif sebagai Penggerak Ekonomi Inklusif (Studi pada Usaha Mikro Penerima Bantuan Zakat Produktif Lazisnu di Desa Wedoro). Journal of Islamic Economics Studies and Practices, 3(2), 176–186. https://doi.org/10.54180/jiesp.2024.3.2.176-186
Aziz, M. (2026). Productive zakat management and economic empowerment: Integrating legal compliance within Indonesia’s Islamic social finance framework. Journal of Sharia Economics, 8(1), 1–20. https://doi.org/10.35896/bgy6r742
Badan Pusat Statistik. (2025). Statistik Indonesia 2025. https://www.bps.go.id/id/publication/2025/02/28/8cfe1a589ad3693396d3db9f/statistik-indonesia-2025.html
Creswell, J. W., & Poth, C. N. (2018). Qualitative inquiry and research design: Choosing among five approaches (4th ed.). SAGE Publications.
Hafidhuddin, D. (2002). Zakat dalam Perekonomian Modern. Gema Insani Press.
Kahf, M. (1999). The performance of the institution of zakah in theory and practice. Islamic Research and Training Institute, Islamic Development Bank.
Karim, A. A. (2017). Ekonomi Mikro Islam (5th ed.). Rajawali Pers.
Lincoln, Y. S., & Guba, E. G. (1985). Naturalistic inquiry. SAGE Publications.
Miles, M. B., Huberman, A. M., & Saldaña, J. (2020). Qualitative data analysis: A methods sourcebook (4th ed.). SAGE Publications.
Moleong, L. J. (2021). Metodologi Penelitian Kualitatif (Edisi revisi). PT Remaja Rosdakarya.
Patton, M. Q. (2015). Qualitative research & evaluation methods: Integrating theory and practice (4th ed.). SAGE Publications.
Pusat Kajian Strategis BAZNAS. (2024). Outlook Zakat Indonesia 2024. https://www.puskasbaznas.com/publications/books/1857-buku-outlook-zakat-indonesia-2024
Ramadhan, M. A., Permana, D. D., & Gumilar, R. (2024). Productive zakat empowerment analysis in BAZNAS institutions. Journal of Islamic Economic Scholar, 4(1), 23–30. https://doi.org/10.14421/jies.2023.4.1.23-30
Santoso, I. R., Mallongi, S., Siradjuddin, & Paly, M. B. (2024). Mediating effects of Islamic business success on productive zakat and mustahiq welfare. International Journal of Business and Society, 25(1), 111–127. https://doi.org/10.33736/ijbs.6903.2024
Simbolon, S. E. A., & Afdawaiza. (2023). Analysis of the mediating effect of micro business growth on productive zakat utilization, information technology, and mustahiq’s welfare. Global Review of Islamic Economics and Business, 11(2), 51–71. https://doi.org/10.14421/grieb.2023.112-05
Sugiyono. (2023). Metode Penelitian Kualitatif. Alfabeta.
Ulum, W. F., & Sujatna, Y. (2025). An analysis of productive zakat implementation from the perspective of Shariah Enterprise Theory: A case study of Baznas Sukabumi City. Journal of Islamic Economics and Finance Studies, 6(1), 1–26. https://doi.org/10.47700/jiefes.v6i1.9435
Undang-Undang Republik Indonesia Nomor 23 Tahun 2011 tentang Pengelolaan Zakat. (2011). Lembaran Negara Republik Indonesia Tahun 2011 Nomor 115. https://peraturan.bpk.go.id/details/39267/uu-no-23-tahun-2011
Yin, R. K. (2018). Case study research and applications: Design and methods (6th ed.). SAGE Publications.