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Management of Zakat and Waqf Journal (MAZAWA))
Published by Universitas Islam Negeri Sunan Ampel
ISSN : 26857383     EISSN : 27463451     DOI : https://doi.org/10.15642/mazawa.v2i1
Core Subject : Economy, Science, Education, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences
Jurnal Management of Zakat and Waqf (MAZAWA) merupakan jurnal ilmiah yang diterbitkan oleh Universitas Islam Negeri Sunan Ampel Surabaya. Jurnal ini fokus pada kajian-kajian tentang manajemen zakat dan wakaf yaitu, manajemen fundrising zakat dan wakaf, manajemen operasional zakat dan wakaf, manajemen pemasaran zakat dan wakaf, manajemen pendayagunaan zakat dan wakaf, isu-isu kontemporer seperti zakat dan wakaf produktif, investasi dana zakat dan wakaf, sukuk zakat dan wakaf, asuransi zakat dan wakaf, matematika zakat baik itu berupa penelitian lapangan maupun konseptual. Jurnal Mazawa hadir untuk merespon perkembangan era dan potensi zakat-wakaf yang terus meninggi, satu sisi sebagai rekomendasi dan di sisi lain sebagai kajian keilmuan. Jurnal Mazawa terbit dua kali selama se tahun, yakni pada Bulan September dan Maret.
Arjuna Subject : Umum - Umum
Articles 126 Documents
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Economic Resilience Model of the Darul Istiqomah Islamic Boarding School in Manado in a Minority Community Through the Management of Productive Waqf Hasan Jan, Radlyah; Nugraha, Amalia Kurnia; Anggrayni, Lilly; Hasan, Jamaludin
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.24-49

Abstract

Islamic boarding schools frequently encounter financial vulnerabilities due to their reliance on sporadic donations, a condition often exacerbated by market limitations within Muslim-minority demographics. Although optimizing productive waqf assets offers a potential solution for institutional self-sufficiency, in reality, many governance practices remain consumptive and lack standardization. Addressing this issue, this study aims to analyze the strategies for empowering waqf land and their impact on economic independence at Pondok Pesantren Darul Istiqomah Manado. This research employs a descriptive qualitative method with a case study approach, operationalized through an in-depth investigation of a single managerial cycle at the research site using the POAC (Planning, Organizing, Actuating, and Controlling) framework. To ensure data validity and richness, informants were selected through purposive sampling based on their strategic authority and direct operational involvement, including the school leadership, the secretary, student representatives, and representatives from the Indonesian Waqf Board (BWI) of North Sulawesi. The results indicate that empowerment is implemented through asset diversification across three clusters: the boarding school complex for education and creative industries (bakery, laundry, and drinking water), the Loreng area for agriculture (corn and vegetables), and the Solog area as a Tahfiz center. This adaptive management significantly reduces monthly dormitory consumption costs by 20-25% and contributes 15-20% to the institution's annual budget. Despite successfully achieving initial financial independence as a survival strategy, the school's governance remains traditional (trust-based) and is not yet supported by written Standard Operating Procedures (SOPs). This study concludes that integrated waqf management is a strategic solution for the independence of educational institutions in minority areas, the implementation of which imperatively requires administrative system modernization to ensure long-term sustainability.
Evaluating Socio-Economic Impacts of Productive Zakat on Mustahik Empowerment: A Propensity Score Matching Analysis Toni, Hariya; Syafii, Muhammad Hisyam; Bustami, Bustami; Azhari, Husain; Alaldaya, Rudyn
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.1-23

Abstract

This study assesses the socio-economic effects of productive zakat initiatives on mustahik empowerment in Indonesia through a quasi-experimental methodology employing Propensity Score Matching (PSM). Data from 160 participants across various Zakat Management Organizations were gathered April 2025. The study utilized a multifaceted empowerment paradigm encompassing economic, social, human capital, and psychological components to address gaps in Islamic social finance literature. Results indicate significant empowerment enhancements, evidenced by a 63.1% increase in the composite empowerment index (effect size d=2.29). Economic empowerment showed substantial benefits (72.7% rise, d=2.37), followed by human capital development (82.7% increase, d=2.54). Psychological well-being indicators demonstrated notable improvements in self-confidence (26.9%), life satisfaction (39.7%), and stress management (100%). Correlation analysis revealed mentorship quality as the strongest predictor of comprehensive empowerment (r=0.478, p<0.001). The research confirms the efficacy of integrating financial assistance with capacity-building initiatives, reinforcing theoretical models emphasizing holistic Islamic development. High participant satisfaction rates (92.5% rating ≥8/10) indicate program acceptance and sustainability potential. These findings strengthen strategies for achieving Sustainable Development Goals and provide evidence for effective zakat allocation policies. This research advances Islamic social finance methodology by demonstrating PSM's relevance in evaluating faith-based development interventions, establishing a robust framework for future impact assessments in Muslim-majority contexts.
A Triple Helix Approach to Prioritizing Key Problems in Zakat Performance: An Analytic Network Process Study from South Sulawesi Azwar, Azwar; Usman, Abur Hamdi; Ravi Abdullah, Mohd Farid
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.50-82

Abstract

Zakat holds substantial potential as an Islamic social finance instrument for poverty alleviation and inclusive economic development; however, its performance in many regions remains   constrained not only by governance inefficiencies but also by limitations in how zakat management problems are identified and analyzed. Existing studies often rely on partial, single-actor, or linear approaches that fail to capture the complex interdependencies among stakeholders, resulting in less accurate prioritization of key issues. This limitation necessitates a more integrative and multi-actor analytical framework. Grounded in the Triple Helix framework, this study conceptualizes zakat governance as an interactive system involving experts (academia), regulators (government), and practitioners (zakat institutions). The study aims to identify and prioritize key problems affecting zakat performance in South Sulawesi by integrating these multi-actor perspectives within a structured decision-making model. This study employs the Analytic Network Process (ANP) to capture the interdependencies among problem clusters across institutional, community, and government dimensions. The results indicate that institutional problems constitute the most critical constraint to zakat performance, followed by government and community problems. Key institutional bottlenecks include weak governance, inadequate service quality, and low transparency and accountability. At the community level, low public zakat literacy emerges as the dominant barrier, while the absence of integrated data systems and weak local government support represent major governmental constraints. The findings imply that improving zakat performance requires coordinated and sequenced reforms encompassing regulatory coherence, institutional governance strengthening, and community engagement.
Conceptual Model of Digital Payments from the SOR Perspective at Dompet Dhuafa Central Kalimantan: a Stimulus-Organism-Response Approach
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.83-100

Abstract

Low participation in zakat payment and the persistence of conventional payment habits remain important challenges for zakat institutions, even as digital transactions become increasingly common in Indonesian society. In response to this development, Dompet Dhuafa Kalimantan Tengah has adopted digital payment channels to facilitate zakat and donation payments. This study examines how digital payment features shape zakat payment decisions through the Stimulus–Organism–Response (SOR) framework. The study employed a qualitative case-study approach. Data were collected through in-depth interviews with institutional managers and users of digital payment services, supported by field observations and institutional documentation. Data were analyzed through data reduction, data display, and conclusion drawing. The findings show that digital payment features function as external stimuli by increasing transaction convenience, speed, accessibility, and flexibility. These stimuli are processed through users’ perceptions of ease, usefulness, security, trust in the institution, and religious assurance. At the response stage, these evaluations are reflected in the decision to pay zakat through digital channels, repeated use, and selective channel preferences. Internal documentation cited in this study also indicates that 205 donors used digital payment channels in 2025. Nevertheless, digital payment features are not the sole determinant of zakat payment decisions; institutional trust, spiritual motivation, prior experience, and digital literacy remain central factors. The study concludes that digital payment features primarily facilitate and reinforce zakat payment decisions rather than independently generate them.
Monitoring and Evaluation Model Construction for Enhancing the Effectiveness of Productive Zakat Management in BAZNAS Malang Regency
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.101-122

Abstract

Productive zakat is a strategic Islamic philanthropic instrument in overcoming poverty and encouraging the improvement of the welfare of mustahiq (recipients of zakat). Badan Amil Zakat Nasional (BAZNAS) of Malang Regency has implemented monitoring and welfare improvement programs for productive zakat to encourage community economic independence. However, its effectiveness has not been optimal, especially since performance indicators are not yet integrated, sustainable, and based on Islamic spiritual values. BAZNAS Malang Regency still faces limitations in sustainable mentoring and long-term impact measurement. This study aims to describe and analyze the implementation of monitoring and evaluation of productive zakat programs, as well as construct an effective model to improve program performance and impact. The study used a qualitative approach with a case study design. Informants included BAZNAS administrators, mustahiq, and stakeholders, who were selected purposively. Data were collected through interviews, observation, and documentation, then analyzed using content analysis with triangulation of sources and methods. The results indicate that monitoring and evaluation have been carried out in a structured manner, but limited sustainable mentoring and variations in business capacity remain obstacles. Therefore, strengthening the monitoring and evaluation system, business mentoring, reporting documentation, and stakeholder collaboration are needed to improve the effectiveness of productive zakat management. The novelty of this research is a continuous improvement-based model that integrates results-based monitoring and evaluation with the values ​​of amanah, ihsan, and hisbah to increase the effectiveness of productive zakat management
Designing a Productive Waqf Strategy Based on Plasma Waqf to Accelerate Sustainable Development in Cirebon
Management of Zakat and Waqf Journal (MAZAWA) Vol. 8 No. 1 (2026): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2026.8.1.123-143

Abstract

This study aims to design a strategic implementation of productive waqf through a plasma waqf scheme to support sustainable development in Cirebon Regency. Waqf management is still dominated by traditional models that are not aligned with human development. Waqf has not yet been able to reduce poverty and suffering. This study employs a qualitative case study approach; data were collected through in-depth interviews, observations, and documentation involving key stakeholders, including waqf managers, the Cirebon Regency government, and beneficiaries. The research findings indicate that the design for productive waqf development utilizes the plasma waqf scheme through a dual-track investment approach: the development of micro-enterprise units and business projects developed by government financial institutions. Waqf institutions and the government conduct regular joint oversight to ensure success. To strengthen human resources, all business unit managers are trained in skills and management through a group-based concept where members mutually evaluate one another. Evaluation and monitoring are conducted in an integrated manner among the government, the waqf trustees (nadzir), and the business units as implementers. This scheme represents a new model where waqf management undergoes a shift in coordination and managerial transformation. This scheme aligns with the path toward achieving the SDGs to eradicate poverty and strengthen humanity.

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