MIZANUNA: Jurnal Hukum Ekonomi Syariah
Vol 4 No 1 (2026): Juni 2026

EFEKTIVITAS PROGRAM ZAKAT PRODUKTIF DALAM MENINGKATKAN KEMANDIRIAN USAHA MIKRO MUSTAHIK PADA BAITUL MAL ACEH

Yusriza Yusriza (Sekolah Tinggi Agama Islam Darul Hikmah Aceh Barat, Aceh, Indonesia)
Evi Rahayu (Sekolah Tinggi Agama Islam Darul Hikmah Aceh Barat, Aceh, Indonesia)



Article Info

Publish Date
30 Jun 2026

Abstract

Poverty remains a major development challenge in Aceh Province, Indonesia, underscoring the need for sustainable economic empowerment through productive zakat funds. This study analyzes the effectiveness of productive zakat utilization in developing mustahik (zakat beneficiary) micro-enterprises at Baitul Mal Aceh. Using a qualitative case-study approach, data were collected through semi-structured interviews, observation, and documentation with purposively selected program administrators and mustahik. Effectiveness was assessed across five indicators: business income growth, capacity development, sustainability, ability to meet household needs, and business independence. Findings show a positive impact: average monthly business income rose from IDR 1,850,000 to IDR 2,950,000 (59.5%), and turnover rose from IDR 3,450,000 to IDR 5,250,000 (52.2%), with 86.7% of mustahik experiencing income growth and 80% showing capacity improvement. However, effectiveness remains suboptimal due to limited entrepreneurial skills, restricted market access, and inadequate post-disbursement mentoring. Productive zakat holds significant potential as an economic empowerment instrument when supported by sustainable capacity building, monitoring, and evaluation.

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Journal Info

Abbrev

mizanuna

Publisher

Subject

Description

MIZANUNA: Jurnal Hukum Ekonomi Syariah merupakan jurnal yang diterbitkan oleh Prodi Hukum Ekonomi Syariah (HES) - STAI Nida El-Adabi Bogor, bekerjasama dengan LP2M STAI Nida El-Adabi Bogor. MIZANUNA memiliki fokus pada bidang Ilmu Hukum Islam dan Illmu Ekonomi ...