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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MALIA Syarikat : Jurnal Rumpun Ekonomi Syariah Al-Kharaj: Journal of Islamic Economic and Business Al Huquq : Journal of Indonesian Islamic Economic Law Economic Reviews Journal Literacy : International Scientific Journals of Social, Education, Humanities International Journal of Economics and Management Research
Muhammad Albahi
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Capital Assistance, Financial Literacy, And Entrepreneurial Motivation on The Economic Welfare of Mustahik in The YBM Brilian Ro Pekanbaru nanda ega Rupita; Muhammad Albahi; Mulia Sosiady
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9820

Abstract

This study aims to analyze the effect of Capital, Financial Literacy, and Entrepreneurial Motivation on the Economic Welfare of mustahik beneficiaries of the Gerobak Bermakna Program at YBM BRILiaN RO Pekanbaru. The study tests the hypothesis that the three independent variables have a positive and significant effect on economic welfare, both partially and simultaneously. A quantitative approach with an explanatory research design was employed. The population, which also served as the sample, consisted of 169 mustahik selected using a total sampling technique. Data were collected through structured questionnaires using a Likert scale and analyzed using multiple linear regression at a 5% significance level. The results indicate that Business Capital (t = 2.217; p = .028), Financial Literacy (t = 6.406; p = .000), and Entrepreneurial Motivation (t = 3.349; p = .001) have a positive and significant effect on Economic Welfare. Simultaneously, the analysis shows F(3,165) = 66.626; p = .000 with an R² value of .548, meaning that 54.8% of the variance in economic welfare can be explained by the three variables. Financial literacy emerges as the most dominant variable. These findings imply that productive zakat programs should integrate capital assistance with continuous capacity building and entrepreneurial motivation development to sustainably enhance beneficiaries’ economic welfare.
Co-Authors Arum, Hafidza Sanshia Arya Arwanda Cintia Nurul Lita Br Silalahi Fauqah Nuri Aini Fitri Amalia Iqra Mulhadi Kemala DEwi Kiki Hardiansyah Siregar M. Ilham Mifti Ibdalia Muhammad Fakhri Mulia Sosiady nanda ega Rupita Ningsih, Dian Wirna Nurhayati Rozi Andrini Rupita, Nanda Ega Suryadi, Nanda Syahpawi