The Impact of Productive Zakat Utilization on the Improvement of Micro Enterprises and Religiosity of Mustahiqqs in Rusunawa Marunda, North Jakarta: A Study at Baznas DKI Jakarta Province
Downloads
The purpose of the study is to identify the relationship between the utilization of productive zakat to micro businesses and the relationship between the utilization of productive zakat and religiosity. This quantitative research is supported by literature such as books and internet sites, using a survey method through the distribution of questionnaires with a likert scale. To analyze the data, this study used Partial Least Square (PLS) with three measurement models: outer model, inner model, Goodness of Fit (GoF) criteria, and hypothesis testing. Primary data came from mustaḥiqq questionnaires and interviews conducted at the National Amil Zakat Agency of DKI Jakarta Province. Secondary data were obtained through literature studies and available information about the agency. The results of the study show that the utilization of productive zakat has a significant influence on the increase in micro businesses by 0.593. So that mustaḥiqq can meet the needs of life. Then the relationship between the utilization of productive zakat and the increase in religiosity, namely the utilization of productive zakat, has a positive and significant influence on the increase in religiosity by 0.550. So that mustaḥiqq becomes religious. This thesis has an argument that zakat religious institutions have a role in alleviating poverty by providing business capital and spiritual guidance through religious activities.
Ayuniyyah, Q., Pramanik, A. H., Md Saad, N., & Ariffin, M. I. (2022). The impact of zakat in poverty alleviation and income inequality reduction from the perspective of gender in West Java, Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 15(5), 924–942. https://doi.org/10.1108/IMEFM-08-2020-0403
Beik, I. S., & Arsyianti, L. D. (2016). 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.V1I2.524
Firmansyah, Y., Sukarno, H., & Masruroh, N. (2024). The productive zakat in empowering mustahik entrepreneurship. The ES Economics and Entrepreneurship, 2(3), 1–12. https://doi.org/10.58812/esee.v2i3.233
Kholidah, N., & Salma, A. N. (2019). Filantropi kreatif: Pemberdayaan ekonomi umat berbasis zakat produktif pada program 1000 UMKM LAZISMU Kabupaten Pekalongan. Cakrawala: Jurnal Studi Islam, 14(2), 93–101.
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-05-2021-0145
Nidityo, H. G., & Laila, N. (2014). Zakat produktif untuk meningkatkan kinerja produksi dan religiusitas mustahik (Studi pada Badan Amil Zakat Nasional Jawa Timur). Jurnal Ekonomi Syariah Teori dan Terapan, 1(9), 661–673.
Nuryadin, M. B., & Romansyah. (2020). Realita lembaga pengelola zakat (LPZ) pemerintah: Ditinjau berdasarkan Undang-Undang Nomor 23 Tahun 2011. Al-Tijary: Jurnal Ekonomi dan Bisnis Islam, 4(2), 183–196.
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/10.37680/jies.v4i1.5100
Safrilsyah, S., Baharudin, R., & Duraseh, N. (2020). Religiusitas dalam perspektif Islam: Suatu kajian psikologi agama. Substantia: Jurnal Ilmu-Ilmu Ushuluddin, 12(2), 399–412.
Sahroni, A. (2018). Program Rejang Lebong Makmur, solusi menekan angka kemiskinan (Studi pada BAZNAS Kabupaten Rejang Lebong). Islamiconomic: Jurnal Ekonomi Islam, 9(1), 21–46.
Santoso, D. B., Kamaruddin, M. I. H., & Nurhidayat, A. (2023). A qualitative case study on productive zakat and pentahelix-based empowerment model at BAZNAS Malang Regency. Journal of Islamic Economics Lariba, 9(2), 421–446. https://doi.org/10.20885/jielariba.vol9.iss2.art7
Shobah, A. N., & Rifai, F. Y. A. (2020). Konsep ekonomi Islam dalam peningkatan kesejahteraan mustahiq melalui zakat produktif (BAZNAS Kabupaten Purworejo). Jurnal Ilmiah Ekonomi Islam, 6(3), 521–528.
Steinmetz. (2013). Gender effects on entrepreneurial intention: A meta-analytical structural equation model. International Journal of Gender and Entrepreneurship, 10(5), 130–156.
Suhairi, S., Zulfahmi, Z., & Andriani, N. (2025). Exploring the lived meaning of productive zakat in the spiritual and economic transformation of mustahiq. Finanomics: Journal of Islamic Economics and Finance, 1(5), 1–16. https://journals.ai-mrc.com/finanomics/article/view/505
Tamir, C., Connaughton, A., & Salazar, A. M. (2020). The global God divide: People’s thoughts on whether belief in God is necessary to be moral vary by economic development, education and age. Pew Research Center.
Tanjung, D. S. (2019). Pengaruh zakat produktif BAZNAS Kota Medan terhadap pertumbuhan usaha dan kesejahteraan mustahiq di Kecamatan Medan Timur. Al-Tawassuth: Jurnal Ekonomi Islam, 4(2), 349–370.
Trisanti, T. (2011). Strategi pemberdayaan ekonomi kerakyatan pada saat krisis ekonomi. Manajemen Usahawan Indonesia, 8(2), 113–128.
Wahyuni, P., & Wulandari, R. (2024). Zakat and poverty alleviation in Muslim countries: A Biblioshiny application. Journal of Islamic Economics Lariba, 10(1), 205–230. https://doi.org/10.20885/jielariba.vol10.iss1.art12
Widiastuti, T., Auwalin, I., Rani, L. N., & Al Mustofa, M. U. (2021). A mediating effect of business growth on zakat empowerment program and mustahiq's welfare. Cogent Business & Management, 8(1), Article 1882039. https://doi.org/10.1080/23311975.2021.1882039
Widiastuti, T., Auwalin, I., Rani, L. N., Mawardi, I., Al Mustofa, M. U., Rosyidah, N., & Mahmudah, S. N. (2021). Does zakat and non-zakat empowerment affect mustahiq welfare based on maqashid shariah. Al-Uqud: Journal of Islamic Economics, 5(1), 76–96. https://doi.org/10.26740/al-uqud.v5n1.p76-96
Copyright (c) 2026 Desy Tri Rahmawati, Arief Mufraini
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
