Sustainable Zakat Empowerment Model for Productive Business at Zakat Institutions in West Java Province


The management of Productive Zakat as an alternative solution to the problem of poverty in Indonesia has been an ongoing effort. The Government of Indonesia has shown its commitment to this initiative through normative policies, such as PMA Number 31 of 2019, which outlines the terms and procedures for calculating Zakat Mal and Zakat Fitrah and utilizing Zakat for productive business, based on Law number 23 of 2011 concerning Zakat Management. However, existing regulations have not addressed the technical aspects of how the distribution of Productive Zakat should be carried out to effectively achieve its main goal of empowering those classified as Mustahik in a sustainable manner. This study aims to describe and analyze the model of productive zakat utilization in empowering a sustainable community economy in West Java Province. The research adopts a qualitative method with an analytical descriptive approach. The study concludes that the productive zakat utilization model should be comprehensive and integrative in three ways. Firstly, it should involve the regulation of zakat in conjunction with infaq, shadaqah, and waqf. Secondly, there should be a focus on developing a reliable and capable human resource team for managing the zakat, comprising of amil (collectors) and assistants. Thirdly, the model should emphasize enhancing the intellectual capacity (knowledge and skills), mentality, and spirituality of the mustahiq as the beneficiaries.

Keywords: model, zakat utilization, productive business

[1] Hasan Z. The potential of Indonesian zakat for zakatnomics improvement - Taxonomic analysis techniques. International Journal of Zakat. 2021;6(3):41–54.

[2] Puti F, Geni L, Pratiwi DR. Tantangan Optimalisasi Pengelolaan Zakat dalam Pertumbuhan Ekonomi Berkualitas. Buletin APBN. 2022;VII(2):3–6.

[3] P3EI, Ekonomi Islam. Jakarta: Raja Grapindo Persada; 2008.

[4] Rini R, Fatimah F, Purwanti A. Zakat and poverty: An Indonesian experience. International Journal of Innovation, Creativity and Change. 2020;10(11):759–770.

[5] Ariyani N. Zakat as a sustainable and effective strategy for poverty alleviation: From the perspective of a multi-dimensional analysis. International Journal of Zakat. 2016;1(1):88–106.

[6] Fadilah S, Lestari R, Rosdiana Y. “The relationship of organizational culture and management policy in the utilization of social and economic value of zakat,” Proceedings of the Social and Humaniora Research Symposium (SoRes 2018), 2019.

[7] Ryandono MNH. Ekonomi ZISWAQ (Zakat, Infaq, Shadaqah dan Waqaf). Surabaya: IFDI dan Cenforis, 2008.

[8] Santoso IR, Zulfikar AA, Handoko L, Firmansyah S. Muliadi, and Mualim, “The impact of government policies and regulations on the development islamic economics distribution,” Proceedings of the International Conference on Social, Economics, Business, and Education (ICSEBE 2021). 2022;205(Icsebe 2021):46–50.

[9] Saripudin U. “Filantropi Islam dan Pemberdayaan Ekonomi,” Bisnis; Jurnal Bisnis dan Manajemen Islam. 2016;4(2):166–185.

[10] Nurhasanah N. “Productive Zakat Distribution Model in Baznas of West Java Province and Rumah Zakat of Bandung,” Amwaluna: Jurnal Ekonomi dan Keuangan Syariah. 2021;5(2):307-320.

[11] Madjakusumah DG, Saripudin U. “Pengelolaan Dana Lembaga Filantropi Islam Dalam Pengembangan Ekonomi Umat,” Serambi; Jurnal Ekonomi Manajemen dan Bisnis Islam. 2020;2(1):44.

[12] Matthoriq M, Suryadi S, Rozikin M. Aktualisasi Nilai Islam Dalam Pemberdayaan Masyarakat Pesisir (Studi Pada Masyarakat Bajulmati, Gajahrejo, Kecamatan Gedangan Kabupaten Malang). Jurnal Administrasi Publik. 2014;2(3):426–432.

[13] Wicaksono JW. Distribusi Zakat Produktif untuk Pengembangan Ekonomi. Dinar: JurnalProdi Ekonomi Syariah. 2019;2(2):1–20.

[14] Hendri N, Suyanto. “Analisis Model-Model Pendayagunaan Dana Zakat dalam Pemberdayaan Masyarakat,” Jurnal Kependidikan dan Syariah, 2017;11(2):63–73.

[15] Widiastuti T, Rosyidi S. Model pendayagunaan zakat produktif oleh lembaga zakat dalam meningkatkan pendapatan mustahiq. Jurnal Ekonomi Bisnis. 2015;1(1):89–102.

[16] Mawardi I, Widiastuti T, Al Mustofa MU, Hakimi F. Analyzing the impact of productive zakat on the welfare of zakat recipients. Journal of Islamic Accounting and Business Research. 2022.

[17] Fitri M. Pengelolaan Zakat Produktif sebagai Instrumen Peningkatan Kesejahteraan Umat. Economica: Jurnal Ekonomi Islam. 2017;8(1):149–173.

[18] Wahyuni S, Hudayah S. “Factors on Mustahiq’s Business Performance Through Productive Zakah at the Baznas in Kalimantan Timur Province.” vol. 35, no. Miceb. 2018;2017:160–167.

[19] Widiastuti T, Auwalin I, Rani LN, Ubaidillah Al Mustofa M. A mediating effect of business growth on zakat empowerment program and mustahiq’s welfare. Cogent Business and Management. 2021;8(1):1882039.

[20] Saripudin U, Djamil F, Rodoni A. “The zakat, infaq, and alms farmer economic empowerment model.” Library Philosophy and Practice (e-journal). 2020;3566:1–12.

[21] Saripudin U. Rancang Bangun Model Pemberdayaan Ekonomi Petani Berbasis ZISWAF. Bandung: Penerbit Widina; 2021.

[22] Saripudin U, et al. “Empowerment of Productive Zakat through the Empowered Village Program.” 4th Social and Humanities Research Symposium (SoRes 2021). 2022.

[23] Khasandy EA, Badrudin R. The influence of zakat on economic growth and welfare society in Indonesia. Integrated Journal of Business and Economics. 2019;3(1):65.

[24] Widiastuti T, Auwalin I, Rani LN, Ubaidillah Al Mustofa M. A mediating effect of business growth on zakat empowerment program and mustahiq’s welfare. Cogent Business and Management. 2021;8(1):1882039.