<![CDATA[Penelitian ini berfokus pada analisis pengaruh usaha produktif dan perilaku keuangan syariah pada kesejahteraan mustahik di Badan Amil Zakat Nasional Kota Medan. Kajian ini berlandaskan pada teori kesejahteraan (welfare theory) dan teori perilaku keuangan syariah (Islamic financial behavior), yang menjelaskan bahwa penguatan aktivitas ekonomi produktif serta penerapan prinsip-prinsip keuangan Islam berpotensi memberikan kontribusi terhadap peningkatan kesejahteraan individu mustahik.Studi ini dirancang menggunakan metode kuantitatif yang bersifat eksplanatori untuk menjelaskan hubungan anta variabel. Populasi penelitian terdiri atas mustahik penerima zakat produktif di BAZNAS Kota Medan, dengan jumlah sampel sebanyak 100 responden yang dipilih melalui teknik purposive sampling.Pengumpulan data dilakukan melalui instrument kuisioner dengan skala Likert lima poin, selanjutnya data diolah menggunakan analisis regresi berganda berbantuan perangkat lunak SPSS versi 26. Instrumen penelitian diuji melalui serangkaian pengujian validitas dan reliabilitas, sementara kelayakan model regresi dievaluasi melalui serangkaian uji asumsi klasik. Hasil penelitian menunjukkan bahwa Hasil analisis menunjukkan bahwa pengembangan usaha produktif memberikan pengaruh yang nyata dan searah terhadap peningkatan kesejahteraan penerima zakat, dengan nilai B = 0,914, t = 13,452, dan signifikansi p = 0,000. Sementara itu, Sebaliknya, penerapan perilaku keuangan berbasis syariah belum terbukti memberikan dampak yang berarti secara statistik terhadap kesejahteraan mustahik, dengan B = -0,060, t = -0,840, dan p = 0,403. Secara simultan, kedua variabel independen terbukti berpengaruh secara bermakna terhadap kesejahteraan mustahik dengan nilai F = 91,630 (p = 0,000), serta koefisien determinasi R² sebesar 0,654. Nilai tersebut menunjukkan bahwa Artinya, sebesar 65,4% perubahan pada tingkat kesejahteraan mustahik mampu dijelaskan oleh kedua variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor faktor lain di luar model. Kebaruan penelitian ini terletak pada penggabungan variabel usaha produktif dan perilaku keuangan syariah dalam konteks pengelolaan zakat produktif di BAZNAS Kota Medan, yang dalam literatur sebelumnya masih terbatas dikaji secara simultan. Secara praktis, hasil penelitian ini menyarankan agar BAZNAS Kota Medan mengoptimalkan program pemberdayaan penerima zakat dengan mengitegrasikan tiga pilar utama, yaitu: dukungan permodalan usaha, bimbingan teknis usaha, serta edukasi literasi keuangan syariah yang berkesinambungan. This research seeks to examine how productive economic activities and the application of islamic financial principles affect the well being of zakat recipients managed by BAZNAS Medan City. The study is grounded in welfare theory and Islamic financial behavior theory, which explain that the development of productive economic activities and compliance with Islamic financial principles may contribute to improving the welfare of individual mustahik. The study adopted quantitative methodology with an explanatory design to analyze causal relationships among the variables. All mustahik receiving productive zakat assistance from BAZNAS Medan City formed the research population, from which 100 individuals were selected as samples using a purposive sampling technique. Data collection was carried out using a Likert-based questionnaire instrument and subsequently processed through multiple linear regression analiysis using SPSS version 26. The research instruments underwent validity and reliability evaluation, while classical assumption tests were performed to verify the suitability of the regression model. The results reveal that produvtive business activities exert a positive and statistically significant influence on the welfare of mustahik, as evidenced by B = 0.914, t = 13.452, and p = 0.000. Conversely, in contrast, Islamic financial behaviour was found to have no statistically meaningful effect on mustahik welfare, with B = -0.060, t = -0.840, p = 0.403. Simultaneously, the two variables have a significant effect Simultaneously, both variables significantly affected mustahik welfare (F =9.630; p=0.000), with an R² of 0.654, indicating that 65.4 % of the variance in mustahik welfare is accounted for by productive business and Islamic financial behaviour, while the remaining percentage is influenced by other factors outside the research model. The novelty of this study lies in the integration of productive business activities and Islamic financial behavior variables within the context of productive zakat management at BAZNAS Medan City, which has been relatively limited in previous studies examining these variables simultaneously. In practical terms, the findings recommend that BAZNAS Medan City strengthen its mustahik empowerment program by integrating business capital assistance with business mentoring and sustainable Islamic financial literacy.]]>
