STRATEGY FOR OPTIMIZING THE UTILIZATION OF PRODUCTIVE ZAKAT IN THE PERSPECTIVE OF SHARIA ECONOMICS: A CASE STUDY OF BAZNAS BONDOWOSO REGENCY

Jamila, Siti (2026) STRATEGY FOR OPTIMIZING THE UTILIZATION OF PRODUCTIVE ZAKAT IN THE PERSPECTIVE OF SHARIA ECONOMICS: A CASE STUDY OF BAZNAS BONDOWOSO REGENCY. Justisia Ekonomika, 10 (1). pp. 1738-1750. ISSN 2614-865X

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Abstract

This study examines strategies for optimizing the utilization of productive zakat in the economic
empowerment of mustahik at BAZNAS Bondowoso Regency. The study uses a qualitative case
study approach conducted through semi-structured interviews, documentation, and field
findings. The informants consisted of BAZNAS administrators, zakat management officers,
program companions, administrative staff, and mustahik who received productive business
assistance. The data were analyzed using data reduction, data presentation, and conclusion
drawing, while data validity was strengthened through source triangulation, technique
triangulation, and member checking. The findings show that productive zakat optimization is
implemented through five main strategies: administrative and field-based mustahik selection,
provision of business tools according to business needs, business mentoring, program
monitoring, and strengthening zakat fundraising. Productive zakat contributes to increasing
mustahik income, creating independent business opportunities, reducing dependence on
informal work, and strengthening local economic activities. However, the program still faces
limitations in zakat funds, human resources, and structured monitoring systems. The study
contributes to Islamic economic literature by showing that productive zakat can function as a
sustainable empowerment instrument when managed through integrated selection, assistance,
supervision, and institutional capacity building based on maqasid al-sharia principles.

Item Type:	Article
Uncontrolled Keywords:	productive zakat, sharia economics, mustahik empowerment, optimization strategy, BAZNAS
Subjects:	T Technology > TA Engineering (General). Civil engineering (General)
Divisions:	Fakultas Agama Islam > S1 Ekonomi Syari'ah
Depositing User:	Unnamed user with email sitijamilaa22@gmail.com
Date Deposited:	16 Aug 2026 04:23
Last Modified:	16 Aug 2026 04:25
URI:	https://repository.unuja.ac.id/id/eprint/4339

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