Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam

DEVELOPING AN INTEGRATED PRODUCTIVE ZAKAT EMPOWERMENT FRAMEWORK FOR MUSTAHIK SELF-RELIANCE: A CASE STUDY OF BAZNAS SUKOHARJO

Risang Pamungkas (Universitas Islam Negeri Raden Mas Said Surakarta)
Budi Sukardi (Universitas Islam Negeri Raden Mas Said Surakarta)



Article Info

Publish Date
30 Sep 2026

Abstract

Productive zakat is increasingly recognized as a strategic instrument of Islamic social finance for poverty alleviation and sustainable economic empowerment. However, previous studies have generally focused on program effectiveness based on economic outcomes or examined empowerment components separately, while integrated frameworks explaining the relationships among these components in fostering mustahik self-reliance remain limited. This study aims to analyze productive zakat implementation, identify factors influencing mustahik self-reliance, and develop an Integrated Productive Zakat Empowerment Framework based on empirical evidence from BAZNAS Sukoharjo Regency. A qualitative case study was conducted through in-depth interviews, observations, and document analysis. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña and concept analysis based on Rodgers and Walker and Avant. The findings show that mustahik self-reliance develops through the interaction of beneficiary assessment, need-based productive capital, entrepreneurial capacity development, continuous business mentoring, spiritual empowerment, institutional and market networking, and sustainability-oriented monitoring and evaluation. Institutional commitment, mustahik motivation, mentoring quality, stakeholder collaboration, and the business environment also influence this process. The study’s novelty lies in integrating previously fragmented components into a coherent framework that explains their functional relationships in fostering mustahik self-reliance, positioning productive zakat as a sustainable empowerment process rather than merely capital distribution.

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Journal Info

Abbrev

ad

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews. The spread of Islamic Economics include: 1. Islamic Finance and Capital Market 2. ...