FADZAT Jurnal Ekonomi Syariah
Vol. 5 No. 1 (2024): Edisi Desember

Optimalisasi Zakat Produktif dalam Mendorong Pertumbuhan Ekonomi UMKM Berbasis Syariah di Indonesia

Maharati, Cindy (Unknown)



Article Info

Publish Date
12 Dec 2024

Abstract

This study aims to examine the strategic role of productive zakat in promoting the growth of sharia-based micro, small, and medium enterprises (MSMEs) in Indonesia. Employing a qualitative-conceptual approach through an extensive literature review, the research offers a theoretical and empirical synthesis of the contributions of productive zakat across three economic levels: micro, meso, and macro. The findings reveal that productive zakat not only increases income and economic self-reliance among beneficiaries (mustahik) but also strengthens local Islamic economic ecosystems and supports national poverty reduction efforts. These contributions position zakat as a transformative and sustainable socio-economic instrument. However, the optimization of productive zakat faces structural challenges, including weak institutional integration, low Islamic financial literacy, and underdeveloped regulatory frameworks. Therefore, institutional transformation is necessary through empowerment-oriented fiscal policies, digitalized beneficiary data systems, and alignment of zakat programs with the national roadmap for sharia-based MSME development. Overall, the study confirms that productive zakat holds great potential as a foundational pillar for an inclusive, just, and sustainable Islamic economic system.

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Journal Info

Abbrev

fdzt

Publisher

Subject

Religion Humanities

Description

FADZAT Jurnal Ekonomi Syariah adalah jurnal ilmiah yang terbit dalam bentuk elektronik dan cetak sebagai penerbitan yang orisinal hasil-hasil penelitian kualitatif, kuantitatif, dan metode campuran terkait dengan isu ekonomi syariah. FADZAT terbit dua kali dalam setahun, setiap bulan Juni dan ...