Al-Kharaj: Journal of Islamic Economic and Business
Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi

Pengembangan Bisnis Digital Berbasis Software As A Service (SAAS): Studi Kasus Platform Pengelolaan Zakat “Catat Zakat” Di Pt Titik Terang Teknologi

Ekky Fauzan Maulana (Program Magister Manajemen, Sekolah Pascasarjana, Universitas Widyatama)
Keni Kaniawati (Program Magister Manajemen, Sekolah Pascasarjana, Universitas Widyatama)



Article Info

Publish Date
18 Jun 2026

Abstract

This study aims to develop a comprehensive business plan for the Catat Zakat Software as a Service (SaaS) platform, analyze business development planning across multiple aspects, and evaluate financial investment feasibility. Catat Zakat is a B2B SaaS platform developed by PT Titik Terang Teknologi to help Zakat Management Institutions (LAZ) automate zakat management from collection to distribution. The research employs a qualitative descriptive method with a single case study approach, involving semi-structured interviews with 25 LAZ managers in West Java, DKI Jakarta, and East Java. The analytical framework integrates Design Thinking, Business Model Canvas, SWOT-TOWS analysis, Timmons Model, and financial feasibility analysis (NPV, IRR, Payback Period, Profitability Index). Results show that 92% of LAZ still prepare PSAK 109 reports manually, 88% face multi-channel reconciliation difficulties, and 84% lack adequate donor tracking systems. The Timmons Model evaluation yields a score of 4.11/5.00 (Highly Attractive Opportunity). Financial feasibility analysis under the moderate scenario shows NPV of IDR 8.7 billion, IRR of 42%, Payback Period of 4.8 years, and Profitability Index of 2.71 — all metrics exceeding minimum feasibility standards.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Economics, Econometrics & Finance

Description

Al-Kharaj, Journal of Islamic Economic and Business is peer-reviewed journal published by program studi ekonomi syariah , Institut Agama Islam Negeri (IAIN) Palopo. Al-Kharaj focus on the research of Islamic Economic and Business. The aims of this journal is to explore and develop economic related ...