ZAKAT ON SAVINGS: A QUALITATIVE CONTENT ANALYSIS OF AWARENESS, RELIGIOSITY, AND COMPLIANCE FACTORS
DOI:
https://doi.org/10.22373/aiszawa.v2i1.9716Keywords:
Zakat; Awareness; Religiosity; Compliance; Wealth distributionAbstract
Zakat on savings is a fundamental aspect of Islamic finance, ensuring the redistribution of wealth and financial responsibility among Muslims. However, compliance with zakat on savings is still low due to limited awareness, varying levels of religiosity, and knowledge gaps. This study examined the existing literature on awareness, religiosity, knowledge, and attitudes related to zakat on savings. The findings of the study show that low awareness, religiosity, knowledge gaps, and attitudes significantly affect zakat compliance, especially in savings. Many Muslims are unaware that zakat disbursement is also mandatory on savings, resulting in low compliance. Strong religious beliefs encourage zakat compliance, but lack of knowledge and misunderstandings hinder compliance towards zakat on savings. Positive attitudes encourage zakat compliance, but institutional efforts are still insufficient. Although zakat on savings is the third largest contributor, it is still underexplored. Increasing awareness, education, and collection strategies are important to increase compliance with zakat on savings
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