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All Journal At-Taradhi: Jurnal Studi Ekonomi J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JEMMA | Journal of Economic, Management and Accounting Tasharruf: Journal Economics and Business of Islam Jurnal Ekonomi dan Bisnis (Ekobis-DA) International Journal of Review Management Business and Entrepreneurship International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ekonomi Syariah
Annisa Mahfuzah
Universitas Islam Negeri Antasari Banjarmasin
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Productive Zakat as an Instrument for Business Development Strategy: An Analytical Hierarchy Process (AHP) Study in South Kalimantan Indonesia Yusuf Asyahri; Atika Zahra; Annisa Sayyid; Annisa Mahfuzah; Faqih El Wafa; Hafizi, Muhammad Riza
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12486

Abstract

This study aims to identify and prioritize development strategies for Micro, Small, and Medium Enterprises (MSMEs) supported by productive zakat in South Kalimantan Province, Indonesia. Despite their significant contribution to regional economic growth, MSMEs continue to face challenges related to poverty and limited access to productive financing. Employing a descriptive–analytical approach, this study adopts a mixed-methods sequential explanatory design and applies the Analytical Hierarchy Process (AHP) to determine strategic priorities across MSME clusters. The results reveal notable differences in priority strategies among clusters. Government involvement, particularly through the National Zakat Agency (BAZNAS), is identified as the most influential factor in sustaining the MSME business ecosystem. Priority criteria include product quality improvement for Cluster I and human resource development for Clusters II and III. The preferred strategic alternatives emphasize enhancing human resource skills for Clusters I and II, while expanding market access through improved production and marketing channels is prioritized for Cluster III. These findings imply the need for cluster-based productive zakat allocation and financing schemes to strengthen zakat effectiveness as an Islamic social finance instrument.
Co-Authors ANNISA SAYYID ANNISA SAYYID Asyahri, Yusuf Atika Zahra Atika Zahra Maulida Difi Dahliana El Wafa, Faqih Fahmi, Hafiz Aulia Fahruddin Fahruddin Hafizah Aziza Hafizah Hafizah Irsyad Khoiri Karimah , Husna Khairina, Nadia Ma'mun, Muhammad Yulian Maimunah Maimunah Maimunah Maimunah Malihah, Lola Meilania, Gusti Tasya Muhammad Noval Muhammad Noval Muhammad Riza Hafizi Murliana, Mera Naimah Naimah Nurhafiyanisa Nurhafiyanisa Rimayanti Rimayanti Widyantara, Fahreza