Efektivitas Distribusi Zakat Produktif dalam Meningkatkan Kesejahteraan Mustahik di BAZNAS Madiun

Authors

  • Adib Khusnul Rois Universitas Ahmad Dahlan
  • Anton Bawono Universitas Ahmad Dahlan
  • Raden Lukman Fauroni Universitas Ahmad Dahlan

DOI:

https://doi.org/10.30651/jms.v11i1.30708

Abstract

 

Abstrak

Penelitian ini bertujuan untuk menganalisis efektivitas distribusi zakat produktif dalam meningkatkan kesejahteraan mustahik yang dikelola oleh BAZNAS Madiun, BAZNAS kota Madiun memiliki berbagai program zakat produktif, seperti BISAFARI, BISAFARI penyandang disabilitas, pemberdayaan UMKM melalui Unit Pengumpul Zakat (UPZ) berbasis masjid/musholla, dan program BUNDA (Bantuan untuk Dhuafa Janda). Analisis data dilakukan secara deskriptif melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Uji keabsahan data dilakukan melalui triangulasi sumber dan teknik. Hasil penelitian ini  menunjukkan bahwa BAZNAS Kota Madiun telah melaksanakan program zakat produktif dengan memberikan bantuan modal usaha kepada mustahik yang memiliki potensi ekonomi. Proses seleksi dilakukan melalui survei lapangan dan verifikasi administratif. Hambatan utama dalam pelaksanaan program ini antara lain terbatasnya dana, kurangnya pendampingan usaha, serta rendahnya literasi kewirausahaan di kalangan mustahik. Meskipun demikian, program ini memberikan dampak positif seperti peningkatan pendapatan, kemandirian ekonomi, dan berkurangnya ketergantungan pada bantuan konsumtif. Oleh karena itu, zakat produktif merupakan solusi strategis dalam meningkatkan kesejahteraan masyarakat dan perlu direplikasi secara lebih luas di daerah lain.

 

 

Abstract

This study aims to analyze the effectiveness of productive zakat distribution in improving the welfare of mustahik managed by BAZNAS Madiun, BAZNAS Madiun city has various productive zakat programs, such as BISAFARI, BISAFARI for people with disabilities, empowerment of MSMEs through mosque/musholla-based Zakat Collection Units (UPZ), and the BUNDA program (Assistance for the Dhuafa Widows). Data analysis was carried out descriptively through the stages of data reduction, data presentation, and drawing conclusions. Data validity testing was carried out through triangulation of sources and techniques. The results of this study indicate that BAZNAS Madiun City has implemented a productive zakat program by providing business capital assistance to mustahik who have economic potential. The selection process was carried out through field surveys and administrative verification. The main obstacles in implementing this program include limited funds, lack of business mentoring, and low entrepreneurial literacy among mustahik. Nevertheless, this program has had positive impacts such as increased income, economic independence, and reduced dependence on consumer assistance. Therefore, productive zakat is a strategic solution to improve community welfare and needs to be replicated more widely in other areas.

 

 

Author Biography

Adib Khusnul Rois, Universitas Ahmad Dahlan

ekonomi syariah

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Published

2026-02-22

How to Cite

Rois, A. K., Bawono, A., & Fauroni , R. L. (2026). Efektivitas Distribusi Zakat Produktif dalam Meningkatkan Kesejahteraan Mustahik di BAZNAS Madiun. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.30708

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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