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Nurhayati, Immas
Universitas Ibn Khaldun Bogor
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Journal : Journal of Business Management and Economic Development

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Unpacking the Empowerment Impact of Zakat Microcapital Programs: The Role of Entrepreneurial Character Khatimah, Husnul; Ayuniyyah, Qurroh; Pasaribu, Popy Novita; Nurhayati, Immas
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2313

Abstract

This study examines the role of entrepreneurial character in shaping the economic empowerment of mentees participating in productive zakat programs. While many empowerment initiatives focus primarily on financial assistance, recent development literature emphasizes the importance of behavioral transformation in achieving sustainable economic outcomes. This research aims to empirically test whether entrepreneurial character functions as a key mechanism linking economic assistance to empowerment within the context of Islamic social finance. The study employs a quantitative explanatory design using cross-sectional survey data collected from 365 mentees participating in productive zakat programs administered by the National Zakat Agency of Indonesia (BAZNAS). Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationship between entrepreneurial character and economic empowerment. The results reveal a strong and statistically significant positive effect of entrepreneurial character on economic empowerment (β = 0.763, p < 0.001). The model demonstrates substantial explanatory power (R² = 0.582) and strong predictive relevance, indicating that behavioral attributes such as persistence, opportunity orientation, and proactive action play a crucial role in sustaining economic independence among beneficiaries. These findings reinforce the behavioral empowerment perspective, suggesting that empowerment outcomes depend not only on access to capital but also on the development of internal capacities. The study contributes to the integration of entrepreneurship theory and Islamic social finance by demonstrating that productive zakat programs can serve as institutional mechanisms to cultivate entrepreneurial agency among beneficiaries. Practically, the findings highlight the importance of mentoring and character development in designing effective zakat-based empowerment programs.
Co-Authors Abdul Azis Abdul Azis Abdul Karim Halim Adnania, Siti Zaenab Aidha Zulaika Alya Hasanah Kurniawati Amelia indriyanti Rusmaniar Amelia Rahmawati Amelia, Tia Amir Tengku Ramly Ananda Serly Nurlita Andini Fajriani Anggraeni, Deti Ari, Silvia Arizal Tursina Atika Atika Ayu, Fitri Senja Puspa Bahagia Bahagia Bahar, Rajip Barhoya, Ahmad Fahmi Berlianto, Anggie Budi Susetyo Budi Susetyo Cholillah, Syifa Cicih Sukarsih Dedi Supriadi Dedi Supriadi Denia Maulani Desti Nurrahmawati Diah Yudhawati Dini Anggraini, Dini Ecin Kuraesin Elsya Azkiyathul Fangiziah Endin Mujahidin F, M. Rifqiyansyah Fauzan Azhari, Fauzan Finna Octaviani Firdaus, Azis Firdaus, M Azis Hablinur Alkindi Hannisa Rahmaniar Hasnin Hariansyah, M Hasyim Abdillah Hendri Maulana Hendri Tanjung Holisah, Ika Nur Hudri, Abdul Hurriyaturrohman Hurriyaturrohman Husnul Khatimah Husodo, Zaafri Ananto Imam Supriyadi Indu Purnahayu Indupurnahayu Inka Nandita Listianingrum Irfan Syauqi Beik Irwan Adi Ekaputra Iswandira, Anesti Jani Subakti Kartika Rinda, Rachmatullaily Tina Kayla Suci Dinanty Lestari, Nur Fitriani Putri Lisa Laelatul Amalia Lubis, Vivi Alda Indah Lustiana, Fifi Ulfa M. Hariansyah M. Imam Sundarta Madani, Achmad Yusuf Magenta Permata Auradhea Marlina, Asti Meliana Kumalasari Meysa Wijaya Kusuma Miranti Miranti Mohammad Jibriel Avessina Mubarok, A. Muhammad Jamaluddin MUHAMMAD JAMALUDDIN Muhammad Qodri Muhammad Ramadhan Muniroh, Leny Nada Ilmanna Fiah Nasution, Umi Sakinah Neli Paujiah Ningrum, Almyanti Novita Sari Nur Arifah Nur Richana Nurul Huda Nurul Nurul Popy Novita Pasaribu Prasetyowati, Riris Aishah Pratini, Ratna Prayitno, Danil Dwi Priyanti, Asti Puji Astuti Puspa Eosina Qurroh Ayuniyyah Rabbani, Muhammad Ihsan Rachmadi, Deddy Rachmatullaily Tinakartika Rinda Rahma, Alya Rahmat Rosyadi, Abdu Rakhim, Yudi Rasiman Rasiman Ratu Andhita Trihadiyanti Reggina Firgie Natasya Renea Shina Aminda Renea Shinta Aminda Ribowo, Sugeng Rifki Zainaldi Rika Susilawati Rimun Wibowo Risma Khairunnisa Rivai, Novan Mushaf Riviega Rosihan Riyadh, Muhammad Sofwan Sa'diah, Maemunah Safitri, Lestari Saidah, Latifatus Saidah, Rina Sari, Anggi Novita Sari, Hasna`u Mayang Sayaza, Mas Davino Setiani, Yuli Caturi Shalsabila, Mutiara Siti Aisyah Suartika, Ika Suhendri Suhendri Sukarsih, Cicih Supramono Suryaman, Ahmad Sutoyo, Edi Syahrum Agung Tazkialaras Titing Suharti Tjahjo Tri Hartono Wardhania, Rani Wibowo , Agung Yudawati, Diah Yudiana Yuggo Afrianto Yulyawati, Suci Yuni Wulandari Yuningsih, Ayu Yunita, Puteri Eka Yupitasari, Dini Zaäfri Ananto Husodo Zainaldi, Rifki