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All Journal Jurnal Penelitian dan Pengkajian Ilmiah Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS)
Sutrisno
Universitas Muhammadiyah Yogyakarta
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Environmental Science Public Health

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Enhancing Economic Empowerment: Program Strategy and Impact of Productive Zakat for Beneficiaries at LAZISMU DIY Sutrisno
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 3 No. 5 (2026): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Mei 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/cendekia.v3i5.2542

Abstract

This study aims to examine the program strategy and impact of productive zakat in enhancing the economic empowerment of beneficiaries at LAZISMU Special Region of Yogyakarta (DIY). Productive zakat serves as a strategic instrument of Islamic social finance designed not only to provide temporary assistance but also to strengthen the economic capacity of beneficiaries through sustainable income-generating activities. This research employed a qualitative approach with a case study method. Data were collected through in-depth interviews, observation, and documentation involving LAZISMU DIY management and beneficiaries of productive zakat programs. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The findings indicate that the productive zakat strategy at LAZISMU DIY is implemented through several stages, including beneficiary identification, business feasibility assessment, provision of business capital, mentoring, entrepreneurship training, and periodic monitoring and evaluation. The program mainly targets micro-enterprise sectors such as trade, culinary businesses, agriculture, and services. The impact of the program demonstrates significant improvements in beneficiaries’ income, business productivity, entrepreneurial capacity, and financial independence. Furthermore, the program contributes to reducing dependence on consumptive aid and encourages long-term self-reliance. However, challenges remain, including limited capital allocation, low business literacy among some beneficiaries, and market uncertainty. This study concludes that productive zakat can effectively enhance economic empowerment when supported by integrated strategies involving financial assistance, continuous mentoring, and sustainable program evaluation.
STRATEGIES FOR COLLECTING ZAKAT, INFAQ, AND SADAQAH (ZIS) FUNDS AT THE BAZNAS YOGYAKARTA CITY Sutrisno
Journal on Islamic Economics, Finance & Banking [Z-CONOMICS] Vol. 2 No. 1 (2026): Journal on Islamic Economics, Finance & Banking [Z-CONOMICS]
Publisher : Az-Zahra Media Society

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Abstract

This study examines the fundraising strategies for Zakat, Infaq, and Sadaqah (ZIS) implemented by BAZNAS Yogyakarta City, highlighting a comprehensive and integrative approach that combines both direct and indirect methods. The findings reveal that direct fundraising strategies such as face-to-face engagement and digital platform utilization are effective in generating immediate financial contributions. Meanwhile, indirect strategies play a pivotal role in enhancing public awareness, building trust, and sustaining long-term Muzakki relationships. The success of these approaches is further strengthened by active support from academic institutions, volunteers, and cross-sector collaborations. However, despite these strengths, several structural and operational challenges persist. These include inter-organizational competition, limited human resource capacity and professional certification, inefficiencies in operational processes, and insufficient educational and infrastructural support. Such constraints hinder the optimal performance of fundraising activities, resulting in inconsistencies in achieving targeted ZIS collections. This study underscores the need for strategic improvements through strengthening institutional capacity, enhancing human resource professionalism, optimizing operational systems, and expanding collaborative networks. By addressing these challenges, ZIS fundraising efforts can become more sustainable, effective, and impactful in advancing socio-economic welfare and supporting broader development goals.
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