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All Journal IIJSE Danadyaksa: Post Modern Economy Journal
Abdul Bari
Institut Agama Islam Al-Khairat, Pamekasan, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Impact of Productive Zakat in Pamekasan Regency: Trust, Zakat Management, and Microbusiness Development as Intervening Variables on the Welfare of Mustahik M. Firman Syah; Haridah Haridah; Achmad Tarmidzi Anas; Abdul Bari; Aang Kunaifi
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 2 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v4i2.526

Abstract

Productive zakat is expected to reduce poverty by transforming recipients into economically independent micro-entrepreneurs, yet empirical evidence on its welfare impact remains inconsistent. This study examines the direct and indirect effects of productive zakat distribution on mustahik welfare by proposing trust in zakat institutions, zakat management quality, and microenterprise development as intervening variables. A quantitative explanatory design was employed using structural equation modeling with partial least squares based on data from 170 productive zakat recipients who own microenterprises in Pamekasan Regency, Indonesia. The results show that productive zakat significantly increases mustahik trust and improves perceived zakat management quality. However, productive zakat has no significant direct effect on microenterprise development or mustahik welfare. Furthermore, none of the three indirect paths through trust, management, or microenterprise development mediate the relationship between productive zakat and welfare. The model explains only 2.2 percent of welfare variation, indicating that selected variables collectively fail to predict mustahik well-being. These findings challenge the assumption that business growth automatically translates into household welfare and reveal a critical disconnect between institutional trust and tangible economic outcomes. For zakat authorities and local government, the results imply that capital distribution alone is insufficient; non-capital interventions such as intensive mentoring, digital marketing training, and post-disbursement accompaniment are essential. Future research should adopt longitudinal designs and test alternative mediators including financial literacy and entrepreneurial self-efficacy.
From Market Segmentation to Customer Loyalty: Strategic Targeting of Local Bottled Water Consumers in Rural Indonesia Nor Hasan; Haridah Haridah; Abdul Bari; Aang Kunaifi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.11155

Abstract

This study examines how market segmentation contributes to customer loyalty through strategic targeting in the local bottled water industry in rural Indonesia. The study focuses on AMDK AMT Plakpak, a local bottled water enterprise operating in Pagantenan, Pamekasan, where competition with established regional and national brands creates challenges for sustaining customer relationships. Using a qualitative descriptive approach, data were collected through non-participant observation, unstructured interviews, and documentation involving company management and customers. The findings indicate that AMDK AMT applies market segmentation based on customer characteristics, geographic location, and consumption needs. The company prioritizes segments with relatively stable and repetitive demand, particularly pesantren, retailers or agents, food stalls, schools, and institutions. Strategic targeting enables the company to customize marketing and service approaches, including stock availability, timely distribution, responsive communication, product quality, and competitive pricing. These practices contribute to customer satisfaction and trust, which are reflected in repeat purchases, continued brand preference, and customer recommendations. The study highlights that segmentation is not merely a market classification tool but a strategic mechanism for strengthening long-term customer relationships in rural markets. The findings contribute empirical insight into how local bottled water enterprises can transform contextual market knowledge into sustainable customer loyalty and competitive advantage
Co-Authors Aang Kunaifi Achmad Tarmidzi Anas Haridah Haridah M. Firman Syah Nor Hasan