SINERGI MANAJEMEN ZAKAT DAN DANA HAJI UNTUK PEMBERDAYAAN EKONOMI UMAT - Agus Salim Lubis (Dakwatul Islam, 2025)
Abstrak Pengelolaan zakat dan dana haji memiliki potensi strategis dalam mendorong pemberdayaan ekonomi umat di Indonesia. Zakat sebagai instrumen distribusi kekayaan berperan dalam pengentasan kemiskinan, sedangkan dana haji sebagai dana umat yang dikelola negara memiliki potensi pengembangan ekonomi melalui investasi yang produktif. Penelitian ini bertujuan untuk menganalisis model sinergi antara manajemen zakat dan dana haji dalam meningkatkan kesejahteraan ekonomi umat melalui integrasi program pemberdayaan yang berkelanjutan. Pendekatan kualitatif digunakan dengan kajian literatur, analisis regulasi, dan praktik implementasi pada lembaga terkait seperti BAZNAS dan BPKH. Hasil kajian menunjukkan bahwa sinergi antara zakat dan dana haji dapat diwujudkan melalui kolaborasi program pemberdayaan ekonomi berbasis kewirausahaan, peningkatan kapasitas mustahik, serta investasi produktif yang sesuai prinsip syariah. Sinergi tersebut berpotensi meningkatkan efektivitas pendayagunaan dana umat, memperkuat kemandirian ekonomi masyarakat, dan mendukung pembangunan ekonomi syariah nasional. Namun, optimalisasi sinergi memerlukan harmonisasi regulasi, tata kelola integratif, serta penguatan literasi ekonomi syariah di masyarakat. Kata Kunci: Zakat, Dana Haji, Sinergi, Pemberdayaan Ekonomi Umat Abstract The management of zakat and hajj funds holds strategic potential in supporting the economic empowerment of Muslim communities in Indonesia. Zakat, as a wealth redistribution instrument, plays a significant role in poverty alleviation, while hajj funds, managed by the state, serve as a productive investment source for the development of the Islamic economy. This study aims to analyze a synergy model between zakat and hajj fund management to enhance community welfare through sustainable empowerment programs. A qualitative approach was employed through literature reviews, regulatory analysis, and examination of implementation practices in relevant institutions such as BAZNAS and BPKH. The findings indicate that synergy between zakat and hajj funds can be realized through collaborative economic empowerment programs based on entrepreneurship, capacity building for mustahik, and sharia-compliant productive investments. This synergy has the potential to improve the effectiveness of Islamic social fund utilization, strengthen community economic independence, and support national Islamic economic development. However, optimizing the synergy requires regulatory harmonization, integrated governance, and strengthening Islamic economic literacy within society. Keywords: Zakat, Hajj Funds, Synergy, Economic Empowerment