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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Idil Ghufron, Moh.
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Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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ZAKAT SEBAGAI KATALISATOR KEMANDIRIAN EKONOMI: PERAN STRATEGIS LAZISKAF Nikma, Raudatun; Idil Ghufron, Moh.
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2815

Abstract

This study aims to examine the role of zakat as a catalyst for improving economic independence in the community through management strategies implemented by the Zakat, Infaq, Shadaqah, and Waqf Management Institution (LAZISKAF) at Pondok Pesantren Nurul Jadid. Using a qualitative descriptive approach, the study employs a case study method, where data is gathered through in-depth interviews with zakat managers and beneficiaries, direct observation, and literature studies from relevant sources. Thematic analysis techniques are applied to identify zakat management patterns, assess the effectiveness of distribution, and evaluate its impact on the welfare of the mustahik. The findings show that LAZISKAF’s zakat management strategies, including accurate identification of mustahik, needs-based distribution, and the integration of technology in recording and fund distribution, play a significant role in enhancing the economic independence of beneficiaries. Economic empowerment programs and business capital assistance have proven to support mustahik in transitioning toward better economic independence. Furthermore, the implementation of a rotating zakat distribution system helps expand the reach of aid and increases the overall program’s effectiveness. Therefore, zakat plays a strategic role as an Islamic economic instrument, not only as social assistance but also as a tool for sustainable economic empowerment. Optimizing zakat management through transparency, accountability, and technological innovation is crucial for maximizing its impact on community welfare. Collaboration among stakeholders, including the government and society, is essential to strengthen a professional zakat management system focused on independence.
IMPLEMENTASI AKAD RAHN PADA PRODUK PEMBIAYAAN MULTI GUNA BERKAH: KONSTRIBUSI TERHADAP PENINGKATAN KESEJAHTERAAN MASYARAKAT Hajar Shaleha, Siti; Idil Ghufron, Moh.
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2852

Abstract

This study examines the implementation of the rahn contract in the Multiguna Berkah Financing program at BMT NU Wonosari and its impact on community welfare. The rahn contract, a collateral-based financing scheme grounded in Sharia principles, offers a financial solution for people needing capital access. However, challenges remain, such as limited public understanding and the effectiveness of the contract mechanism in improving customers’ welfare. This research uses a qualitative descriptive approach, collecting data through in-depth interviews, observations, and documentation. Data analysis follows the Miles and Huberman model, including data reduction, data display, and conclusion drawing. Data validity is strengthened by triangulating sources and methods. The results show that the implementation of the rahn contract at BMT NU Wonosari significantly benefits the community by expanding access to flexible and fair Sharia financing. Customers experience improved economic welfare through easier capital access and more stable business management. Nevertheless, low Sharia financial literacy and administrative challenges in managing collateral remain key obstacles. Therefore, it is necessary to optimize rahn contract socialization and adopt more adaptive policies to ensure wider and sustainable benefits of this financing scheme.
Co-Authors Hajar Shaleha, Siti Nikma, Raudatun