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All Journal Halaqah: Journal of Multidisciplinary Islamic Studies IZZI: Jurnal Ekonomi Islam
Muhammad Fathnu Chusain
Sekolah Tinggi Islam Kendal, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Other

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HARNESSING BAZNAS ZAKAT FUNDS AS COMPLEMENTARY FISCAL CAPACITY FOR POVERTY ALLEVIATION IN INDONESIA Muhammad Fathnu Chusain; Yeni Fatiha Firhatun Ni’mah; Anurag Hazarika; Emmanuel Ande Ivorgba
Halaqah: Journal of Multidisciplinary Islamic Studies Vol 3 No 1 (2026): Halaqah: Journal of Multidisciplinary Islamic Studies
Publisher : LP2M STIK KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62509/hjis.v3i1.441

Abstract

Zakat management through BAZNAS holds strategic potential as a complementary financing source for government poverty alleviation programs in Indonesia. However, its actual contribution remains highly limited due to a significant gap between the estimated national zakat potential of Rp327 trillion and annual collection realizations of around Rp32.3 trillion, resulting in sub-optimal support for state fiscal burdens. This study aims to analyze the effectiveness of BAZNAS zakat governance, its actual contribution to the social protection budget, and strategies to optimize its role in supporting government programs. Using a descriptive qualitative approach, this study conducts document analysis of official BAZNAS and Central Bureau of Statistics (BPS) reports alongside a literature review, validated through data triangulation. The findings reveal that BAZNAS zakat distribution is operationally effective with a disbursement ratio of 90%, successfully increasing mustahik income by 30–40% through productive programs. Nevertheless, total national zakat disbursement accounts for only about 7.3% of the state budget’s total social protection spending. Consequently, this study recommends four key strategies to optimize BAZNAS's role: accelerating digital transformation via the SIMBA platform, expanding productive zakat allocations, integrating BAZNAS mustahik data with the Social Welfare Integrated Data (DTKS) to prevent aid duplication, and strengthening fiscal policy synergy and inter-institutional governance.
ADAPTIVE STRATEGIES OF LOCAL MSME CULINARY BUSINESSES IN DEALING WITH CHANGING CONSUMER TRENDS Yeni Fatiha Firhatun Ni’mah; Muhammad Fathnu Chusain
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 3 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i3.531

Abstract

The rapid growth of Indonesia’s culinary industry has intensified competition among local micro, small, and medium-sized enterprises (MSMEs). This study aims to analyze the adaptive business strategies implemented by traditional culinary MSMEs to remain competitive amid changing consumer trends, particularly among Millennials and Generation Z. Employing a descriptive qualitative approach supported by a literature review and interview data, this study identifies innovation and digitalization as the primary drivers of market competitiveness. The findings reveal that although traditional foods continue to hold significant cultural value and maintain consumer appeal, many MSMEs face challenges in adopting digital technology due to limited digital literacy, human resources, and access to digital platforms. Practical strategies for addressing these challenges include the use of simple and user-friendly digital tools, capacity building through training, and collaborative support from local governments. Product innovation also plays a crucial role, particularly through transforming traditional foods into modern-style desserts without eliminating their cultural identity. This fusion approach combines local authenticity with modern presentation and flavors, enabling MSMEs to expand their market reach while preserving traditional values. Ultimately, adaptive strategies that integrate technology, cultural identity, and consumer-oriented innovation can strengthen the sustainability and competitiveness of local culinary MSMEs in the modern culinary industry.
Co-Authors Anurag Hazarika Emmanuel Ande Ivorgba Yeni Fatiha Firhatun Ni’mah