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All Journal Iqtisadie: Journal of Islamic Banking and Shariah Economy
Shofail Asror
IAI Miftahul Ulum Pamekasan
Economics, Econometrics & Finance

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Efektivitas Penyaluran Beasiswa BAZNAS terhadap Keberlangsungan Pendidikan Siswa SMA di Kabupaten Pamekasan Shofail Asror; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 01 (2026): Maret 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i01.1389

Abstract

This study aims to analyze the effectiveness of the National Zakat Agency (BAZNAS) scholarship program in supporting the educational continuity of senior high school students in Pamekasan Regency. The study employed a descriptive qualitative approach through field research. Data were collected through interviews, observations, and documentation involving scholarship recipients, parents, BAZNAS program administrators, and school representatives. Data were analyzed using the Miles and Huberman model, including data reduction, data display, and conclusion drawing. The findings reveal that the BAZNAS scholarship program has been relatively effective in supporting the educational continuity of students from low-income families. The effectiveness is reflected in the accurate targeting of beneficiaries, fulfillment of educational needs, increased learning motivation, and reduced risk of school dropout. The program also contributes positively to students’ self-confidence, discipline, and participation in learning activities. Supporting factors include strong coordination between BAZNAS and schools, parental support, and an adequate beneficiary verification system. However, limited zakat funds, insufficient scholarship amounts, and suboptimal monitoring remain significant challenges. This study highlights that educational zakat serves not only as financial assistance but also as a strategic instrument for human capital development and sustainable social welfare improvement.
Co-Authors Ridan Muhtadi