Program Zakat Produktif BAZNAS BMM Perspektif Yusuf Qardhawi: Analisis SWOT

Sofi Andriani (Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung)
Redi Hadiyanto (Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung)
Zia Firdaus Nuzula (Prodi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Bandung)

Bandung Conference Series : Sharia Economic Law
287-296

Abstract. This research is motivated by the great potential of zakat as an instrument for the economic empowerment of the ummah, although its utilization has tended to be consumptive. The BAZNAS Mosque-Based Microfinance (BMM) program in Tasikmalaya Regency is present as an effort to utilize zakat productively through a mosque-based micro-financing scheme. This study aims to analyze the concept of productive zakat according to the thought of Yusuf Qardhawi, to examine the management of the BMM program from the perspective of productive zakat, and to formulate its development strategy through a SWOT analysis. This research uses a qualitative method with a descriptive approach. Data were collected through in-depth interviews, observation, documentation, and a literature study, then analyzed using the IFAS matrix, EFAS matrix, and the SWOT quadrant diagram. The results show that the BMM program is implemented through a qardhul hasan contract, namely a benevolent financing without any return, accompanied by business mentoring. Its implementation is in line with the five indicators of productive zakat according to Yusuf Qardhawi. The SWOT analysis obtained an IFAS score of 3.42 and an EFAS score of 3.00, placing the program in Quadrant I (Cell I), the growth and build position that demands an aggressive strategy of program development and strengthening. Abstrak. Penelitian ini dilatarbelakangi oleh besarnya potensi zakat sebagai instrumen pemberdayaan ekonomi umat, meskipun pemanfaatannya selama ini masih cenderung bersifat konsumtif. Program BAZNAS Microfinance Masjid (BMM) di Kabupaten Tasikmalaya hadir sebagai upaya pendayagunaan zakat secara produktif melalui skema pembiayaan mikro berbasis masjid. Penelitian ini bertujuan untuk menganalisis konsep zakat produktif menurut pemikiran Yusuf Qardhawi, mengkaji pengelolaan Program BMM dalam perspektif zakat produktif, serta merumuskan strategi pengembangannya melalui analisis SWOT. Penelitian menggunakan metode kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara mendalam, observasi, dokumentasi, dan studi kepustakaan, kemudian dianalisis menggunakan matriks IFAS, EFAS, dan diagram kuadran SWOT. Hasil penelitian menunjukkan bahwa Program BMM dilaksanakan melalui akad qardhul hasan, yaitu pembiayaan kebajikan tanpa imbalan yang disertai pendampingan usaha. Pelaksanaan program telah sejalan dengan lima indikator zakat produktif menurut Yusuf Qardhawi. Analisis SWOT memperoleh nilai IFAS sebesar 3,42 dan EFAS sebesar 3,00 sehingga program berada pada Kuadran I (Sel I), yaitu posisi growth and build yang menuntut strategi agresif berupa pengembangan dan penguatan program.