<![CDATA[Productive zakat is intended to move beneficiaries from short-term relief toward economic independence, yet business continuity remains a central governance problem. This study analyzes the implementation of the Z-Mart productive-zakat program administered by BAZNAS Bandar Lampung and evaluates its conformity with sharia economic law. It employs qualitative descriptive-analytical research based on interviews, observation, and documentation concerning program selection, assistance, monitoring, and beneficiary business performance. The findings show that Z-Mart applies eligibility screening, field verification, in-kind merchandise support, and periodic monitoring. These practices reflect distributive justice, institutional transparency, public benefit, and the protection of wealth within maqāṣid al-sharīʿah. Nevertheless, several outlets experienced declining sales or ceased operating, indicating that formal compliance at the distribution stage does not automatically ensure sustainable empowerment. The study conceptualizes hifẓ al-māl as a normative basis for preserving the productive function of zakat-derived assets through appropriate assistance, responsive supervision, and corrective measures. It proposes a continuity-oriented governance model integrating needs-based selection, business diagnostics, adaptive mentoring, monthly financial records, early-warning indicators, and measurable graduation benchmarks from mustahiq to muzaki. The study concludes that productive-zakat accountability should extend beyond accurate distribution to reasonable institutional support for business continuity, while recognizing that commercial risks cannot be eliminated entirely. Further longitudinal research is needed to evaluate long-term business survival and income stability.]]>
Copyrights © 2026
