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Journal : General Multidisciplinary Research Journal

Digital-Based Zakat Management at the National Amil Zakat Agency Zahrah, Alfiatun; Andini, Bunga; Mardiyah, Suci; Riski, Syafnur Muhammad; Iskandar, Iskandar
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.42

Abstract

Introduction:This study aims to analyze zakat management at the National Zakat Agency (BAZNAS) in the digital era, focusing on the role of information technology in improving the effectiveness, efficiency, transparency, and accountability of zakat management. As one of the pillars of Islam, zakat plays a crucial role in promoting social welfare and reducing economic inequality. Therefore, optimal zakat management is essential, especially in today’s digital environment. Methods:This research employs a qualitative approach with a case study design. Data were collected through in-depth interviews and document analysis conducted at several zakat management institutions. The study focuses on identifying how digital systems are implemented and the challenges faced in integrating information technology into zakat management. Results:The findings reveal that the integration of digital technology—such as online platforms, mobile applications, and integrated information systems—significantly contributes to the efficiency of zakat collection and distribution processes. Digital tools also facilitate the identification of mustahik (zakat recipients), accelerate the distribution of aid, and enhance public trust in zakat institutions through transparent financial reporting. Conclusion and Suggestion: The study concludes that digital transformation plays a pivotal role in improving the performance and accountability of zakat management. However, challenges remain, including limited digital infrastructure and the need to enhance technological literacy among zakat managers. Therefore, developing robust information systems, strengthening human resource capacity, and fostering collaboration among stakeholders are key strategies for realizing effective and impactful zakat management in the digital era.
The Effectiveness of Microfinance Schemes in Promoting the Sustainability of Micro Enterprises in Developing Countries Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad
General Multidisciplinary Research Journal Vol. 3 No. 1 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v3i1.66

Abstract

Introduction: Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the national economy, particularly in job creation and strengthening the people's economy. However, limited access to formal financing sources remains a major obstacle hindering MSME performance. Microfinance serves as a crucial instrument for expanding financial inclusion and encouraging microenterprise development. This study aims to analyze the effect of microfinance on MSME performance. Methods: This study used a quantitative approach with a survey of 320 MSMEs who had received microfinance. Data were collected through a structured questionnaire that had been tested for validity and reliability. The sampling technique used purposive sampling, with the criteria being that respondents had received microfinance for at least one year. Data analysis was conducted using multiple linear regression to examine the effect of microfinance on MSME performance. Results: The analysis shows that microfinance has a positive and significant effect on MSME performance. Microfinance has been proven to improve business performance, as reflected in increased revenue, more efficient business management, and business sustainability. The results of the validity and reliability tests indicate that all research indicators meet the required measurement criteria, so the results of the hypothesis testing can be interpreted scientifically and reliably. Conclusion and Suggestion: This study concludes that microfinance is a significant factor in improving MSME performance. Therefore, it is recommended that microfinance institutions and policymakers not only expand microfinance distribution but also improve the quality of financing through schemes tailored to MSME needs and business mentoring support to ensure the sustainable impact of financing.