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All Journal International Journal of Islamic Business Management
Aswin Fahmi
Universitas Muslim Nusantara Al-Wasliyah
Economics, Econometrics & Finance

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MUZAKKI'S EXPERIENCE IN PAYING ZAKAT DIGITALLY THROUGH LAZISMU MEDAN: A PHENOMENOLOGICAL STUDY Aswin Fahmi; M. Guffar Harahap; Ami Nullah Marlis Tanjung; M Radiansyah
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 2 (2026): June
Publisher : CV. Barokah Publsiher

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Abstract

This study seeks to explore in depth the experiences of muzakki in paying zakat through digital platforms provided by LAZISMU Kota Medan, as well as to understand how they interpret this practice within their religious lives. A qualitative approach with a phenomenological method is employed to capture the subjective perspectives of the participants. Data were obtained through in-depth interviews, observations, and documentation involving muzakki who have used digital zakat services, and were analyzed through stages of data reduction, presentation, and interpretation to uncover essential meanings. The results reveal that accessibility, time saving features, and flexibility are key factors encouraging the adoption of digital zakat. Moreover, trust in the institution particularly in terms of transparency and accountability plays a significant role in shaping users’ sense of comfort. From a religious perspective, most participants believe that the use of technology does not lessen the spiritual value of zakat; instead, it helps them maintain consistency in fulfilling their obligations. Nevertheless, some differences in emotional experience remain when compared to conventional methods, especially regarding the sense of spiritual closeness. The study also shows that muzakki actively interpret and assign meaning to their digital experiences, which are influenced by technological aspects, trust, and religious values. The novelty of this research lies in its phenomenological approach, which brings together technological, psychological, and spiritual dimensions to better understand digital zakat practices. The findings suggest that the development of digital zakat services should not only focus on efficiency but also consider the emotional and spiritual needs of users.
RECONSTRUCTING A PRODUCTIVE ZAKAT BASED EMPOWERMENT MODEL FOR MUSTAHIKTO ACHIEVE SUSTAINABLE ECONOMIC SELF RELIANCE AT LAZISMU MEDAN CITY Aswin Fahmi; M. Guffar Harahap; Ami Nullah Marlis Tanjung
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 4 (2026): September
Publisher : CV. Barokah Publsiher

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Productive zakat has significant potential as an instrument for the economic empowerment of mustahik; however, the provision of business capital does not always lead to sustainable economic self-reliance. The research gap lies in the limited number of studies that explain, in an integrated manner, how productive zakat, capacity building, mentoring, enterprise development, and institutional support contribute to the economic transformation of mustahik toward self-reliance. This study aims to reconstruct a productive zakat-based empowerment model to promote sustainable economic self-reliance among mustahik at LAZISMU Kota Medan. The study employs a qualitative exploratory approach to identify existing empowerment practices, economic transformation processes, supporting and constraining factors, and the relationships among empowerment components. The analysis focuses on changes in productive capacity, business and financial management, income, business continuity, the ability to meet basic needs, and dependence on external assistance. The findings indicate that the effectiveness of productive zakat is determined not only by the distribution of capital but also by capacity building, continuous mentoring, enterprise development, monitoring, evaluation, and institutional support. The study produces an integrated reconstructed empowerment model that positions economic self-reliance as the primary outcome, reflected in increased and stable income, business continuity, enhanced productive capacity, improved financial management, and reduced dependence on external assistance. The model is expected to provide a foundation for strengthening LAZISMU Kota Medan’s productive zakat programs to make them more targeted, measurable, and sustainable
Co-Authors Ami Nullah Marlis tanjung Harahap, M. Guffar M Radiansyah