MEMBANGUN ZAKAT PRODUKTIF BERKELANJUTAN: SEBUAH REFLEKSI DAN PROYEKSI
DOI:
https://doi.org/10.22373/aiszawa.v2i1.9715Keywords:
Productive Zakat, SWOT, Poverty, SustainabilityAbstract
Poverty remains a major challenge in Indonesia despite the declining trend in poverty rates. Zakat plays an important role as an instrument for wealth distribution and poverty alleviation, particularly through productive zakat programs. This study aims to reflect on the current conditions and to project strategies for strengthening sustainable productive zakat, using a case study of BAZNAS Deli Serdang Regency. The research employed a descriptive qualitative approach with SWOT analysis. The findings indicate that productive zakat has strengths such as regulatory support, increasing zakat literacy, and opportunities for synergy with the national development agenda. Nevertheless, weaknesses remain, including limited coverage, low fund allocation, and insufficient business mentoring. The position of productive zakat falls into the aggressive strategy quadrant (S–O), meaning that the main strategies should focus on service digitalization, synergy with CSR programs, scaling up interventions, replicating successful models at the national level, and diversifying businesses based on local potential. With these strategies, productive zakat has the potential to serve as a sustainable instrument in transforming mustahik into economic self-reliance while supporting the achievement of the Sustainable Development Goals (SDGs).
References
Afif Muhamat, A., Jaafar, N., Emrie Rosly, H., & Abdul Manan, H. (2013). An appraisal on the business success of entrepreneurial asnaf: An empirical study on the state zakat organization (the Selangor Zakat Board or Lembaga Zakat Selangor) in Malaysia. Journal of Financial Reporting and Accounting, 11(1), 51–63. https://doi.org/10.1108/JFRA-03-2013-0012
Al-Bawwab, R. A. (2023). Zakat: Changing the framework of giving. Islamic Economic Studies, 30(2), 86–103. https://doi.org/10.1108/IES-08-2021-0026
Ascarya, A. (2021). The role of Islamic social finance during Covid-19 pandemic in Indonesia’s economic recovery. International Journal of Islamic and Middle Eastern Finance and Management, 15(2), 386–405. https://doi.org/10.1108/IMEFM-07-2020-0351
Badan Amil Zakat Nasional. (2023). Outlook Zakat Indonesia 2023.pdf. Jakarta: Pusat Kajian Strategis – Badan Amil Zakat Nasional (Puskas BAZNAS). Diambil dari Pusat Kajian Strategis – Badan Amil Zakat Nasional (Puskas BAZNAS) website: https://drive.google.com/file/d/1PyxTz9u5E4-tyXqJXrE-xAoJBHmD3lyf/view?usp=share_link&usp=embed_facebook
Badan Pusat Statistik. (2025). Tingkat Kemiskinan Kembali Menurun.
BAZNAS. (2024). Zakat Nasional. Laporan Akhir Tahun Zakat Nasional 2024 (BAZNAS), 0–80.
BAZNAS. (2025a). Laporan Kaji Dampak Program BAZNAS RI 2024. Pusat Kajian Strategis (Puskas) BAZNAS, 1–88.
BAZNAS. (2025b). Tahun 2025 BAZNAS - Buku I Sumatera. 9, 61–62.
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
Bilo, C., & Machado, A. C. (2020). The role of Zakat in the provision of social protection: A comparison between Jordan and Sudan. International Journal of Sociology and Social Policy, 40(3/4), 236–248. https://doi.org/10.1108/IJSSP-11-2018-0218
Bin-Nashwan, S. A., Abdul-Jabbar, H., Aziz, S. A., & Haladu, A. (2020). Zakah compliance behavior among entrepreneurs: Economic factors approach. International Journal of Ethics and Systems, 36(2), 285–302. https://doi.org/10.1108/IJOES-09-2019-0145
BPS. (2023). Persentase Penduduk Miskin di Kabupaten Deli Serdang (Persen). Diambil dari Badan Pusat Statisti Kabupaten Deli Serdang website: https://deliserdangkab.bps.go.id/id/statistics-table/2/MTYwIzI=/persentase-penduduk-miskin-di-kabupaten-deli-serdang.html
Firmansyah. (2013). Zakat Sebagai Instrumen Pengentasan Kemiskinan Dan Kesenjangan Pendapatan. Jurnal Ekonomi dan Pembangunan, 21(2).
Friantoro, D., & Zaki, K. (2019). Do We Need Financial Technology for Collecting Zakat? International Conference of Zakat. https://doi.org/10.37706/iconz.2018.133
Hosen, M. N., Hidayat, R., Hidayah, N., & Lathifah, F. (2024). The Management of Productive Zakat in Indonesia: The Case of Baznas’ Economic Empowerment Program. Signifikan: Jurnal Ilmu Ekonomi, 13(2), 455–474.
Hossain, M. Z. (2012). Zakat in Islam: A Powerful Poverty Alleviating Instrument For Islamic Countries. International Journal of Economic Development Research and Investment, 3(1), 1–11.
Ibrahim, A. Z., Taha, R., Hamzah, M. A., Salleh, Z., Ahmad, N., & Azmi, R. (2023). Zakat Capital Assistance Programme For Asnaf Entrepreneurs: Issues And Challenges. Journal Of Business And Social Development, 11(2), 64–71. https://doi.org/10.46754/jbsd.2023.09.005
Kumar C.R, S. P. K. B. (2023). SWOT Analisys. International Journal of Advanced Research (IJAR), 40(4), 40. https://doi.org/10.21474/ijar01/17584
Maulina, S., Hanafi, M. R., & Ayuningtyas, R. D. (2023). The Role of Baznas, Semarang City in Empowering Productive Zakat In The Zchicken Msme Program, Semarang City. AKSES: Jurnal Ekonomi dan Bisnis, 18(1), 35–41. https://doi.org/10.31942/akses.v18i1.8595
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
Nursari, A., & Pratama, A. D. (2025). Middle Income Trap di Indonesia: Peran dan Tantangan Sektor Ekonomi Dalam Mendorong Pertumbuhan Berkelanjutan. Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma), 5(1), 196–213. https://doi.org/10.47709/jebma.v5i1.5796
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. (world). https://doi.org/10.1108/JIABR-07-2017-0097
Putri, J. D., & Hanifah, L. (2024). Analisis Pemberdayaan Zakat melalui Program Zchicken dalam Meningkatkan Kesejahteraan Mustahik di Kabupaten Bojonegoro. Mutawasith: Jurnal Hukum Islam, 7(1), 40–53. https://doi.org/10.47971/mjhi.v7i1.926
Rizal, F., & Mukaromah, H. (2020). Filantropi Islam Solusi Atas Masalah Kemiskinan Akibat Pandemi Covid-19. AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam, 3(1), 35–66. https://doi.org/10.37680/almanhaj.v3i1.631
Saad, R. A. J., Aziz, N. M. A., & Sawandi, N. (2014). Islamic Accountability Framework in the Zakat Funds Management. Procedia - Social and Behavioral Sciences, 164, 508–515. https://doi.org/10.1016/j.sbspro.2014.11.139
Saad, R. A. J., Farouk, A. U., & Abdul Kadir, D. (2020). Business zakat compliance behavioral intention in a developing country. Journal of Islamic Accounting and Business Research, 11(2), 511–530. https://doi.org/10.1108/JIABR-03-2018-0036
Sawmar, A. A., & Mohammed, M. O. (2021). Enhancing zakat compliance through good governance: A conceptual framework. ISRA International Journal of Islamic Finance, 13(1), 136–154. https://doi.org/10.1108/ijif-10-2018-0116
Setyaudin, T. (2023). Sustainable Development through the Z-Chicken Baznas Initiative: A Community-Based Approach in South Tangerang City. Jurnal Ilmu Sosial Indonesia (JISI), 4(2), 72–78. https://doi.org/10.15408/jisi.v4i2.37127
Sugiyono. (2008). Metode Penelitian Pendidikan: Pendekatan Kuantitatif, Kualitatif, dan R & D.
Wardhana, R., Badriyah, E., Ningsih, M., Mubiyatiningrum, A., & Tjaraka, H. (2020). Design of Productive Zakat Management Models with Social Business Insights Relating to Poverty Alleviation in Indonesia. Proceedings of the Proceedings of the 1st Conference on Islamic Finance and Technology, CIFET, 21 September, Sidoarjo, East Java, Indonesia. https://doi.org/10.4108/eai.21-9-2019.2293943
Widiastuti, T., & Rosyidi, S. (2015). Model Pendayagunaan Zakat Produktif Oleh Lembaga Zakat Dalam Meningkatkan Pendapatan Mustahiq. JEBIS, 1(1).