<![CDATA[Data shows that productive zakat has not yet reached an optimal level, and its impact has not been clearly measured, considering the many mustahik who have limited access to business capital, forcing many MSME actors to seek loans from loan sharks. This study employs a qualitative method consisting of natural observation and focused interviews. The primary data sources for this research include interviews with the Head of the BAZNAS Microfinance program and two mustahik. Secondary data sources were obtained from various journal literature, reports, and supporting documents. The results of this study indicate: First, the operational mechanism and financing procedures of the BAZNAS Microfinance program in Hulu Sungai Selatan Regency implement a qarḍul ḥasan scheme. Fund distribution is carried out selectively through several stages. With a revolving loan system, this program aims to ensure that the benefits of zakat can be felt by more mustahik. Second, the BAZNAS Microfinance program in Hulu Sungai Selatan Regency has achieved optimal impact in improving the welfare of mustahik. However, despite the program's optimal impact, there are still opportunities to strengthen sustainability and long-term impact through business mentoring and training, aiming for a more significant effect on the mustahik.]]>
Copyrights © 2025
