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International Journal of Zakat (IJAZ)
Published by Center of Strategic Studies, Badan Amil Zakat Nasional Indonesia
ISSN : 25411411     EISSN : 25482335     DOI : -
Core Subject : Religion,
Religion
International Journal of Zakat (IJAZ) is an open access journal. All accepted manuscripts are published Free of Charges. International Journal of Zakat (IJAZ) focuses on zakat studies such as general activities of zakat management, institutional foundation, zakat administers qualifications, good governance practices, assessment methodology and other areas related to zakat. General activities of zakat management covers discourses about zakatable wealth, methods of collection and performance indicator; Institutional foundation includes private sector, special department, government on mandatory basis enforced by the regulation and credibility of the institutions; Zakat administers qualifications comprises sharia and professionalism principles and trust of zakat payers; On the other hand, good governance practices covers internal/external reporting system and risk management. International Journal of Zakat (IJAZ) mainly publishes articles using quantitative data, however, this journal also welcomes articles written in the qualitative approach. Contributions are welcome from across disciplines, including economics, history, law, finance, psychology, sociology and various studies related to zakat. By bringing these studies, IJAZ makes an effort to examine that the development of zakat would give an alternative contribution to the poverty alleviation and improve social welfare.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 207 Documents
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Zakat for Digital Literacy: Closing the Orphaned-Urban Tech-Gap to Prevent Future Unemployment Crises Wahyudi, Ickhsanto; Rahmawati, Rahmawati; Amelia, Erika; Yama, Indo
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.764

Abstract

Purpose This paper proposes a zakat-funded digital literacy voucher as a policy instrument to support Indonesia’s national digital talent and youth employment agenda by expanding access to market-relevant skills for unemployed and out-of-school urban youth. Design/Methodology/Approach The study adopts a policy-oriented conceptual approach that integrates labor market evidence, digital skills demand analysis, and zakat governance. It designs a Sharīʿah-compliant, restricted-purpose voucher mechanism administered by zakat institutions and redeemable at accredited digital training providers, aligned with outcome-based financing principles. Findings The proposed model demonstrates that zakat can be operationalized as an active labor market policy complementing existing government programs such as digital talent development initiatives. The voucher system improves targeting, transparency, and accountability by linking disbursement to training completion and certification outcomes. It also addresses affordability constraints that limit participation of vulnerable urban youth in private digital training programs. Research limitations/implicationsThis study is limited to policy design and does not assess implementation outcomes. Future research should evaluate pilot programs in selected urban areas to measure employment impacts, fiscal efficiency, and inter-institutional coordination. Practical implicationsThe model provides a framework for zakat institutions and policymakers to integrate Islamic social finance with national digital talent programs. Social implicationsThe program supports youth employment, reduces NEET risk, and strengthens economic inclusion in the digital economy. Originality/value The paper offers a practical policy framework for integrating zakat into Indonesia’s digital workforce ecosystem, positioning Islamic social finance as a complementary instrument to public employment and digital inclusion strategies.
Zakat Core Principles (ZCP)-Based Good Amil Governance in Palembang City's Amil Zakat Institutions Shalihah, Bunga Mar'atush
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.766

Abstract

PurposeThe purpose of this study is to determine whether the zakat amil institutions in Palembang City have implemented PPZ 8—good governance of amil amil—in accordance with the governance standards established by BAZNAS in the Zakat Core Principles (ZCP). The muzakki who distribute their zakat to be delivered to the mustahiq who have been recorded and can be assured to meet the governance values that apply to zakat amil institutions in Palembang city will effectively respond to this study. Design/Methodology/ApproachThis study used an inductive approach and a descriptive qualitative research methodology. In-depth interviews with chosen informants, specifically the Zakat Collection Institutions (LAZ), were used for primary data collection. LazisMU, Dompet Dhuafa, and the Infaq Management Institution (LMI) were the three LAZs chosen. The management of each LAZ who were aware of the zakat collection institutions' governance structure served as the informants. This qualitative study's data analysis procedure was done iteratively, beginning with the first phases of data collection and continuing all the way through the writing stage. An orderly and systematic search through interview transcripts, field notes, and other materials collected from the field constitutes data analysis. FindingsAccording to the findings of this study, the amil's use of good management practices at the three zakat institutions under investigation has been very successful, despite the fact that two LAZ have failed to meet standards. It is hoped that future research will look into other LAZ with a larger number to better represent results at a higher level. Furthermore, the BAZNAS-established principles for zakat institutions must be updated. Research limitations/implicationsThis research only studied three LAZ that located in Palembang’s City as a sample, for further researcher to adding more LAZ to studied for the best result about implementation of Good Amil Governance in amil zakat institutions. Practical implicationsThe result about implementation of Good Amil Governance in LAZ could be practice to every level of amil zakat institution. However, the policy to Amil certification could held and taken by regional or local BAZNAS and informed to amil zakat institution belong to private or non-government. Social implicationsThis study impacted the social result as LAZ is the place for society to distribute their zakat, infaq and shadaqah to be shared to those in needs. To maintaining the society trust, every LAZ should apply the zakat core principles by BAZNAS and fulfilling the indicator of Good Amil Zakat criteria. Originality/valueThis study is using non-government amil zakat institutions such as LazisMu, Dompet Dhuafa and Lembaga Manajemen Infak (LMI) as a study samples with hope meets all of indicators for fulfilling Good Amil Governance conducted by BAZNAS.
The Role of Digital Zakat Transformation in Increasing Muzaki Participation and Expanding the Impact of Zakat Distribution in Indonesia Ma'lufah, Ulfatul; Zaenal, Muhammad Hasbi
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.768

Abstract

PurposeThis study examines how digital transformation in zakat management enhances muzaki participation and strengthens the efficiency, transparency, and social impact of zakat distribution in Indonesia, with particular attention to alignment with Sustainable Development Goals (SDGs). Design/Methodology/ApproachThis descriptive qualitative research analyzes institutional reports from BAZNAS, Dompet Dhuafa, and Rumah Zakat (2019-2024), PUSKAS BAZNAS publications, and peer-reviewed literature on digital zakat. Twenty-three documents were systematically reviewed using qualitative content analysis involving data reduction, categorization, and thematic interpretation to identify patterns in digital transformation impacts. FindingsDigital zakat platforms significantly increased muzaki participation, particularly among millennials and urban communities, with national collection growing from IDR 10.2 trillion (2019) to IDR 18.9 trillion (2024). Mobile applications, real-time dashboards, and blockchain systems enhanced the transparency and operational efficiency by 40%, while AI-based mustahik mapping improved targeting accuracy by 70%. Approximately 78% of muzaki expressed greater trust in institutions providing digital reporting. However, the digital divide, literacy gaps, and cybersecurity concerns remain significant barriers. Research limitations/implicationsReliance on secondary institutional data limits generalizability. Future research should incorporate empirical surveys and cost-benefit analyses of emerging technologies. Practical implicationsZakat institutions should prioritize integrated national platforms, digital literacy programs, and cybersecurity frameworks to optimize collection and distribution while ensuring inclusive access. Social implicationsDigital zakat promotes financial inclusion, increases social trust in Islamic philanthropic institutions, and broadens access to socio-economic assistance especially in remote or underserved communities. Originality/valueThis study provides comprehensive synthesis of Indonesia's digital zakat ecosystem, demonstrating how technological innovation reshapes Islamic philanthropic governance as a strategic instrument for inclusive development aligned with maqashid shariah principles.
Improving Zakat Management with SmartZiswaf: The Role of AI in Accountability and Fair Distribution Prabowo, Yuga Bayu; Efendi, Fathan Rizki
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.769

Abstract

PurposeThis study analyzes the role of the AI-based SmartZiswaf platform developed by BAZNAS in strengthening digital accountability, improving reporting transparency, and supporting equitable zakat distribution within Indonesia’s national zakat governance system. Design/Methodology/ApproachThe study uses a qualitative descriptive approach with a case study method. It relies on secondary data from official BAZNAS publications, annual reports, zakat outlook documents, national zakat policies, and relevant academic literature published between 2021 and 2024. The analysis applies content analysis and thematic analysis to identify key governance and accountability patterns. FindingsThe findings show that SmartZiswaf improves administrative efficiency and transparency through real-time digital reporting. AI integration supports data verification, minimizes duplication of beneficiary records, and enables more systematic monitoring of zakat fund flows. These functions contribute to stronger digital accountability and a more structured approach to equitable zakat distribution. Research limitations/implicationsThe study relies on secondary data and focuses on a single institutional case. Future research should include primary data, such as interviews and user-level analysis, and conduct comparative studies across zakat institutions to assess broader governance impacts. Practical implicationsThe results provide insights for zakat institutions and policymakers on how AI-based digital platforms can strengthen governance, reporting systems, and distribution mechanisms. The SmartZiswaf model can serve as a reference for digital transformation in zakat management. Social implicationsImproved digital accountability and transparency can increase public trust in zakat institutions and support fairer distribution of zakat funds, which contributes to poverty alleviation and social welfare. Originality/valueThis study offers an institutional-level analysis of AI-supported zakat governance in Indonesia and contributes to the limited literature on digital accountability in zakat management through the use of an integrated AI-based platform.
Zakat, Sustainability, and the SDGs: A Bibliometric Analysis and Systematic Mapping of Global Scholarship Prasojoharto, Prayogo; Chariri, Anis; Purwanto, Agus
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.780

Abstract

PurposeThis study aimed to map and analyze the global scholarly landscape and thematic evolution within research integrating zakat with sustainability concepts and the Sustainable Development Goals (SDGs). Design/Methodology/Approach This research employed a bibliometric approach by analyzing 50 selected articles from the Scopus database spanning the period 2015-2025. Data were analyzed using VOSviewer software to perform co-authorship network mapping and keyword co-occurrence analysis. The PRISMA flow diagram was applied in the data selection process to ensure sample relevance and accuracy. FindingsThe results revealed a significant increase in publication volume since 2021, with contributions dominated by Malaysia and Indonesia. Thematic mapping identified three main clusters: (1) Islamic economics, zakat, and poverty; (2) the integration of zakat with SDGs and corporate sustainability; and (3) digitalization and the response to COVID-19. The study also identified limited international collaboration and a shift in research focus from conceptual approaches towards practical applications, particularly in digital accounting and corporate sustainability. Research limitations/implicationsThe primary limitation of this study lies in the use of the Scopus database as a single data source. Implications for future research include the need to expand data coverage to other databases, employ qualitative approaches to explore collaboration dynamics, and develop metrics to quantitatively measure the impact of zakat on SDG indicators. Practical implicationsThe findings recommend that zakat managers adopt digital technologies and strengthen governance to enhance program accountability and impact. For regulators, the results highlight the need for policy frameworks that support the integration of zakat into national development strategies and inter-institutional collaboration. Social implicationsThis study underscores the potential contribution of strategically managed zakat in supporting the achievement of the SDGs, particularly poverty alleviation and economic empowerment, which could ultimately enhance community welfare and social justice. Originality/valueTo the best of the authors' knowledge, this is the first bibliometric study to comprehensively map and analyze the evolution of the integration of zakat, sustainability, and the SDGs, thereby providing a foundational framework and a directed research agenda for the future development of this field.
Should One Perform Hajj Pilgrimages without Paying Zakat? Proposing an Integrating System between Zakat and Hajj Siswantoro, Dodik; Harahap, Mariati Aprilia
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.788

Abstract

PurposeThis study aims to examine the legality and mechanism of requiring Hajj pilgrims to pay zakat before performing the Hajj pilgrimage. It seeks to clarify the normative obligation of zakat for financially capable Muslims and to assess the need for a monitoring system prior to Hajj departure. Design/Methodology/ApproachThe study applies a qualitative research method. It collects primary and secondary data from legal documents, scholarly literature, and other relevant sources. The data are analyzed systematically to evaluate the legal basis and institutional mechanism for linking zakat payment with Hajj administration. FindingsThe findings show that many Hajj pilgrims have not fulfilled their zakat obligations before undertaking Hajj. This condition reflects limited awareness and weak institutional monitoring. The study proposes integrating e-zakat digital data with e-SPT and e-Hajj systems to ensure compliance. Through this integration, prospective Hajj and ‘umrah pilgrims can be verified systematically to confirm that they have fulfilled their zakat obligations. Research limitations/implicationsThe study is limited to normative and conceptual analysis without empirical field testing of the proposed integration system. Future research can conduct pilot implementation studies and evaluate the legal, administrative, and technical feasibility of integrating zakat and Hajj databases. Practical implicationsThe proposed system offers a policy framework for religious authorities and zakat institutions to strengthen zakat compliance among prospective Hajj pilgrims. It can improve zakat collection and enhance coordination between zakat management bodies and Hajj administration agencies. Social implicationsThe integration mechanism can increase awareness and discipline in fulfilling zakat obligations. It reinforces the principle that financial capability for Hajj includes compliance with zakat, thereby strengthening social justice and redistribution within the Muslim community. Originality/valueThis study highlights the sequential obligation of zakat before Hajj within the Pillars of Islam and proposes a digital integration model between zakat and Hajj systems. It contributes a new institutional approach to aligning religious obligations with digital governance mechanisms.
When Zakat is Not Enough: Designing an Islamic Blended Microfinance Model for Asnaf Entrepreneurship Kamil, Faisal Arief; Said, Muhammad M.; Saharuddin, Desmadi; Hidayah, Nur
International Journal of Zakat Vol 11 No 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.795

Abstract

PurposeThis study aims to develop an integrated financing model to strengthen the economic empowerment of asnaf in Indonesia and to address structural weaknesses in current zakat-based empowerment practices. Design/Methodology/ApproachThe study uses a qualitative conceptual and comparative approach. It analyzes existing zakat empowerment practices and synthesizes three theoretical frameworks. These frameworks are the microfinance schism between institutionalist and welfarist perspectives, institutional logics, and the Pentahelix collaboration model. FindingsThe study identifies a key paradox. National data show a link between entrepreneurship growth and poverty reduction, yet the share of zakat allocated to productive empowerment declined to 5.1 percent in 2025 Semester 1. Zakat institutions continue to prioritize short-term charitable programs. The main challenges include weak integration between zakat and waqf, limited long-term mentoring, and tension between market efficiency and socio-religious obligations to serve high-risk asnaf. To respond, the study proposes the Islamic Blended Microfinance Model. This model positions zakat and waqf as first-loss capital to absorb risk and enable Islamic microfinance institutions to mobilize commercial financing for asnaf who are currently unbankable. Research limitations/implicationsThe study is conceptual and does not test the model empirically. Future research can apply the model in pilot programs and evaluate its impact on income growth, business sustainability, and graduation from mustahik to muzakki. Practical implicationsThe model offers a clear policy blueprint for BAZNAS, BWI, and Islamic microfinance institutions to shift from charity-based disbursement toward structured capacity-building and risk-sharing financing schemes. Social implicationsThe proposed model strengthens the role of Islamic social finance in sustainable poverty reduction. It supports inclusive entrepreneurship and expands access to financing for vulnerable groups who are excluded from formal financial systems. Originality/valueThis study introduces an original integrative model that connects zakat, waqf, and Islamic microfinance within a blended finance and Pentahelix governance framework. It contributes a new conceptual foundation for aligning Islamic social finance with long-term development and empowerment goals.

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