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Journal : Journal of Business Management and Economic Development

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 Abdi Ridho, Muhammad Abdul Husenudin Ahmad Faisal Ahmad Juwaeni Ahmad Juwaini Ahmad Nur Ahsan Akhmad Affandi Mahfudz Al Mahali, Jalaludin Alfani, Mufti Maula Alfarisi, Muhammad Fadilah Ali Fikri, Muhammad Amir Tengku Ramly Andika Purnama Ariffin, Muhammad Irwan Armen, Rio Erismen Arsyad, Adnan Ataul Huq Pramanik Cece Sulaeman* Didin Hafidhuddin MS DZAKY EL KEMAL, SAIEV Egi Agustian Rahmat Sukendar Eko Saputra Eko Saputra ERISMEN ARMEN, RIO Fakrikha, Yuni Yulia Hafidhudin, Didin Hambari, Hambari Hari Irawan Hari Susanto Harifuddin, Didin Hendri Tanjung Hilman Hakiem Husnul Khatimah Ibdalsyah Ibdalsyah Imam Suyuthi Imron, Sulkan Irawan Putra, Hari Irfan Syauqi Beik Irsyad, Adnan Juwaeni, Ahmad Kemal, Saiev Dzaky El Lelih Amaliatushalihah M Zaaf Fadzlan Rabbani Garamatan Mabruroh, Mabruroh Mohamed Aslam Mohamed Haneef Mufti Maula Alfani Muhammad Abdi Ridha Muhammad Ali Fikri Muhammad Irwan Ariffin Nasiha Sakina Ramadhanikar Nazrol Kamil Bin Mustaffa Kamil Norma Md Saad Norma Md Saad Norma Md. Saad Nur Hasan, Ahmad Nurhayati, Immas Nursechafia Nursechafia Nursechafia, Nursechafia Perdana, Feby Rizki Popy Novita Pasaribu Pramanik, Ataul Huq Purnama, Andika Purnamasari, Lise Qadryani, Sitti QOLBI, NURUL Ricardo, Rico Rico Ricardo Rio Erismen Armen RIZAL, RIZALUDDIN Rizqan Al Muhaimin RUDIANTO, SOFIAN Rudianto, Sofiyan Saad, Norma Md. Saiev Dzaky El Kemal Saputro, Cahyo Sodik Sodik, Sodik Sofiyan Rudianto Sofiyan Rudianto Sujanu Harto Mulyono Sulaeman, Cece Sulkan Imron Trisiladi Supriyanto Trisiladi Supriyanto, Trisiladi Wahyu Rahman Wahyu Wahyu Yasir, Sulaeman Yudi Saeful Rizal, Yulia Fakrikha, Yuni Yuliati, Ety Yuni Yulia Fakrikha Yusup, Yusup Zaid, Zaid