Strategic Interventions of Zakat Institution in Empowering MSEs: The Case of BAZNAS in Bone Regency

Ahmad Faidh Annur Ramli; Jaenudin; Vinna Sri Yuniarti; Syena Idfilandu; Agi Attaubah Hidayat

Authors

Ahmad Faidh Annur Ramli Universitas Islam Negeri Sunan Gunung Djati, West Java, Indonesia
Jaenudin Universitas Islam Negeri Sunan Gunung Djati, West Java, Indonesia
Vinna Sri Yuniarti Universitas Islam Negeri Sunan Gunung Djati, West Java, Indonesia
Syena Idfilandu Vrije Universiteit Amsterdam, North Holland, Netherland https://orcid.org/0009-0002-7118-4823
Agi Attaubah Hidayat Universitas Islam Negeri Sunan Gunung Djati, West Java, Indonesia

Keywords:

BAZNAS, MSE, Mustahik, Zakat

Abstract

Productive zakat is an important part of Islamic social finance that aims to help reduce poverty by supporting micro and small businesses. Unlike traditional charity, productive zakat gives business capital to help zakat recipients (Mustahik) become independent. In Indonesia, especially in rural areas, this type of support plays a key role in improving people’s economic conditions. This study focuses on how a zakat institution attempts to help micro and small businesses through its productive zakat programmes. The research used a qualitative method with the case study approach taking place in BAZNAS in Bone Regency, Indonesia. Data were collected through interviews and field observation involving BAZNAS staff, Mustahik, and leaders of local MSEs, and related document review. The results show that the mentoring provided is mostly limited to short verbal guidance when the funds are first given. There are no structured trainings and regular follow-up. These issues are compounded by a lack of staff, long distances between locations, and no clear way to measure progress. However, we find that there are also chances to improve the programme, such as the use of digital tools, building partnerships, and strengthening local MSE organisations. This study demonstrates that mentoring needs to be more measurable to make sure productive zakat truly helps people become economically independent. We also offer insights from this study for improving zakat programmes in other rural areas.

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