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All Journal Jurnal Ilmiah Manajemen Kesatuan
Sari Damayanti
Institut Agama Islam Shalahuddin Al Ayyubi, Indonesia
Economics, Econometrics & Finance Social Sciences

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Integrating BAZNAS and Sharia Microfinance for Inclusive Economic Empowerment in Indonesia Sari Damayanti; Nurrohman; Ahmad Hasan Ridwan; Sri Dewi Anggadini
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4931

Abstract

The Sharia economy in Indonesia has great potential to improve public welfare but faces challenges such as limited capital access, low Islamic finance literacy, and dependence on illegal loans. Micro Sharia financing has proven capable of empowering MSMEs, improving community livelihoods, and reducing reliance on exploitative credit, thus strengthening the national economy. BAZNAS Microfinance, through productive zakat integration, provides interest-free capital, business support, and capacity building for mustahik, enhancing economic independence. This study examines an integrated model between Sharia Microfinance (LKMS/BMT) and BAZNAS Microfinance as a strategic instrument for economic empowerment within the maqāṣid al-sharīah framework. Using a qualitative-descriptive method with conceptual and normative-synthetic analysis, it combines Islamic economics theory, maqāṣid al-sharīah, and socio-financial practices of BAZNAS and LKMS. Findings show that synergy between Islamic social funds and commercial microfinancing creates a sustainable Islamic economic ecosystem. Through social incubation, productive financing, and economic circulation, the model reduces dependence on exploitative loans while expanding inclusive access to halal capital and supporting long-term community resilience. Theoretical foundations, including maqāṣid al-sharīah, ontology, axiology, and charity theory, strengthen its sustainability and relevance for equitable and inclusive economic development.
Optimizing Productive Zakat for Economic Empowerment: Evidence from BAZNAS Microfinance Models Sari Damayanti; Moh. Najib; Sri Dewi Anggadini; Deni Permana
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4932

Abstract

Economic empowerment through zakat has become increasingly important to reduce poverty and promote social welfare in muslim communities. This study aims to analyze the optimization of productive zakat as an instrument for empowering the Muslim community’s economy through the paradigm transformation from consumptive zakat to productive zakat, using BAZNAS Microfinance as a case study. A qualitative-normative approach was employed, combining theological and empirical analyses. Data were collected through in-depth interviews, observations, and literature review, focusing on three BAZNAS microfinance models: village, mosque, and religious study group. Thematic interpretation (tafsir maudhū’i) of Qur’anic verses and hadiths on zakat was conducted, considering asbābun nuzūl, asbābul wurūd, mufrad and ijmaly meanings, and munasabah to reveal the normative dimension of Islamic economic empowerment. Findings show that productive zakat significantly fosters mustahik economic independence through sharia-based microfinance, entrepreneurship training, and ongoing mentoring. Although the effectiveness of each model varies with social context and institutional support, all contribute positively to improving recipients’ welfare. The study concludes that optimizing productive zakat is both an economic strategy and a fulfillment of maqāṣid al-syarī’ah, particularly in preserving wealth (hifzh al-māl) and promoting public welfare (maslahah ‘ammah).
Co-Authors Ahmad Hasan Ridwan Deni Permana Moh. Najib Nurrohman Sri Dewi Anggadini Sri Dewi Anggadini