The Role of Zakat in Improving Economic Resilience Generation
DOI:
https://doi.org/10.30983/gic.v3i1.859Kata Kunci:
Zakat, Economic Resilience, Mustahik, Baznas, Fintech, Digital Zakat, Economic EmpowermentAbstrak
Zakat, as one of the pillars of Islam, plays a strategic role in improving economic resilience, especially among mustahik communities. In the digital era, the integration of financial technology (fintech) into zakat management strengthens the impact of productive zakat programs by enhancing transparency, accessibility, and efficiency. This study analyzes the synergy between zakat institutions and fintech platforms in empowering mustahik, supported by the example of digital zakat programs such as Zmart and ZISWAF crowdfunding platforms. The findings indicate that digital zakat has the potential to transform beneficiaries into muzaki, support MSME growth, and improve socio-economic inclusion
Referensi
Al-Qardawi, Y. (1999). Fiqh az-Zakah: A Comparative Study. Vol. I–II. Beirut: Mu'assasah al-Risalah.
Antonio, M. S. (2011). Islamic Banking: From Theory to Practice. Jakarta: Gema Insani.
Auda, J. (2008). Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach. London: International Institute of Islamic Thought.
Azwar, I. Y. (2021). The Influence of Productive Zakat on the Economic Level of Mustahik. Jurnal An-Nur.
BAZNAS. (2023). Zakat Impact Assessment 2022: Report on the Impact of the Z-Auto and ZChicken Programs. Jakarta: BAZNAS RI.
BAZNAS. (2024). Annual Report on Productive Zakat: Livestock Center 2020–2023. Jakarta: BAZNAS RI.
BAZNAS. (2024). National Socio-Economic Profile of Mustahik 2023. Jakarta: BAZNAS RI.
BAZNAS. (2024). Zakat Impact Assessment 2023: Performance Analysis of the ZChicken Program and Its Contribution to Mustahik Income. Jakarta: BAZNAS RI.
BAZNAS. (2024). Zakat Impact Assessment Report 2020–2023: The Impact of Mustahik Business Sustainability After Assistance. Jakarta: BAZNAS RI.
BAZNAS. (2025). Successfully Empowering Mustahik, BAZNAS RI's Zmart Program Creates 224 New Muzaki. Press Release.
BAZNAS. (2022). Zakat Community Development (ZCD) Report. Jakarta: BAZNAS RI.
BAZNAS. (2023). BAZNAS Annual Report 2022. Jakarta: BAZNAS RI.
BAZNAS. (2023). Zakat Impact Assessment 2022: Report on the Impact of the Z-Auto and ZChicken Programs. Jakarta: BAZNAS RI.
BAZNAS. (2024). Productive Zakat Annual Report: Livestock Center 2020–2023. Jakarta: BAZNAS RI.
BAZNAS. (2024). National Mustahik Socioeconomic Profile 2023. Jakarta: BAZNAS RI.
BAZNAS. (2024). Zakat Impact Assessment 2023: Performance Analysis of the ZChicken Program and Its Contribution to Mustahik Income. Jakarta: BAZNAS RI.
BAZNAS. (2024). Zakat Impact Assessment Report 2020–2023: Impact of Mustahik Business Sustainability Post-Mentoring. Jakarta: BAZNAS RI.
BAZNAS. (2025). Successfully Empowering Mustahik, BAZNAS RI's Zmart Program Creates 224 New Muzaki. Press Release.
Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. Leicester: Islamic Foundation.
Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. A classic work on the potential of zakat as an economic enabler for the Muslim community.
Fadillah, F. (2022). Analysis of Zakat Management Capacity in Regions: A Case Study of BAZNAS Bandung Regency. Journal of Islamic Economics and Development.
Firdaus, M. (2021). Economic Estimation and Determination of Zakat Potential in Indonesia. Journal of Islamic Economics and Philanthropy.
Haryadi, A. A. (2023). The Role of BAZNAS in Empowering the Economy of Mustahik through the LPEM Program. Indonesian Sharia Economics Journal.
Islami, K. H. (2023). The Role of Zakat in Family Economic Resilience Post-COVID-19 Pandemic. Al-Muzara’ah: Journal of Islamic Economics and Agribusiness.
Jefik Zulfikar Hafizd, A. K. (2023). The Influence of Productive Zakat on the Empowerment of MSMEs and the Economic Sustainability of Mustahik. Al-Mustashfa.
Juwaini, A. (2021). Zakat as an Instrument of Economic Resilience for the Ummah. Jakarta: BAZNAS Strategic Studies Center.
Kahf, M. (1982). Islamic Economics: Analytical Study of the Functioning of the Islamic Economic System. Jeddah: IRTI-IDB.
Khusnul Hidayah, S. A. (2023). The Impact of Productive Zakat Fund Utilization on the Income Level of Micro-Enterprises of Mustahik in DIY. Islamic Economics, Finance, and Banking Review.
Mafluhah, M. (2024). The Role of Productive Zakat in the Economic Empowerment of Mustahik. Journal of Sharia Economics.
Rizka Ayu Sari, I. P. (2023). The Effectiveness of Productive Zakat in Improving the Welfare of Mustahik. Journal of Sharia Economics and Development.
Robby Firdaus, M. N. (2024). The Impact of Productive Zakat Distribution on Improving the Welfare of Mustahiq in Zakat Management at Baitulmal Aceh Utara. Journal of Economics, Management, and Business.
Robby Firdaus, M. N. (2024). The Role of Productive Zakat in Improving the Welfare of Mustahik and the Potential of New Muzaki. Journal of Islamic Economics and Philanthropy.
Siddiqi, M. N. (1979). Muslim Economic Thinking. Leicester: Islamic Foundation.
Sula, M. S. (2020). Modern Zakat Management. Jakarta: Gema Insani.
Suharti, S., Putri, S. R., Nizamudin, N., & Mulhimmah, B. R. (2025). The Dynamics of Legal Protection in Indonesia Against the Role of the Second Wife. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 1–16. https://doi.org/10.30983/al-hurriyah.v10i1.8953
Dewi, E., Nur, S., Hasibuan, B., & Ichsan, M. (2025). Gender Discourse in Islamic Family Law Between Text and Context. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 17–33. https://doi.org/10.30983/al-hurriyah.v10i1.8815
Pramudya Nawangsari, R., & S, C. W. (2025). Evolution of SEMA 2002 to PERMA 2016: Mediation and its Function in Family Problem Solving. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 34–54. https://doi.org/10.30983/al-hurriyah.v10i1.9248
Wibowo, E., & Humaidi, H. (2025). Analysis of Law No. 11 of 2012 on the Protection of the Rights of Children Who Commit Crimes from a Legal Sociology Perspective. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 55–66. https://doi.org/10.30983/al-hurriyah.v10i1.9209
Rafik Patrajaya, Aris Sunandar Suradilaga, & Anas Maulana. (2024). Sexuality and Gender Neutral for Men in the Perspective of Maqashid Al-Shari’ah. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 67–81. https://doi.org/10.30983/al-hurriyah.v10i1.9450
Fitri, A. R., Zufriani, Z., & Iskandar, N. (2025). Suku Duo Piak: Representation of Solidarity in the Wedding Feast Tradition in the Village of Semerah . Al-Hurriyah: Jurnal Hukum Islam, 10(1), 82–97. https://doi.org/10.30983/al-hurriyah.v10i1.9341
Muhammad-Lawal, A. A., Azizi Nik Abdullah, N. M. S., Efendi, F., & Januaris, F. (2025). Analysis of U.S. Geopolitical Impact on Taiwan’s Semiconductor Market through Sharia Principles. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 98–116. https://doi.org/10.30983/al-hurriyah.v10i1.9253
Abdul Majid, I., Ngardi, V., Wardi, U., Alom Harahap, S. S., & Afdhal, N. (2025). Dynamics of Agency and Ideological Dominance: Constructing Female Identity in Radical Networks in Indonesia. Al-Hurriyah: Jurnal Hukum Islam, 10(1), 117–136. https://doi.org/10.30983/al-hurriyah.v10i1.7860
Edo Rahman, M., Syahriani, F., & Jampa, W. (2024). Islamic Law in the Digital Era: Artificial Intelligence as A Revolutionary Legal Tool in The 21st Century . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 102–115. https://doi.org/10.30983/al-hurriyah.v9i2.8545
Abdulsiddik, Y., & Afifah, S. (2024). Catha Edulis Consumption and its Effects on Economic and Social Well-Being in Yemen . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 116–131. https://doi.org/10.30983/al-hurriyah.v9i2.8581
Mayang Sari, M., Zufriani, Z., & Iskandar, N. (2024). Tradition Mulao Cucu Ayae After Marriage Contract in Sungai Liuk Village: Urf and Interactionism Approach. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 132–142. https://doi.org/10.30983/al-hurriyah.v9i2.8613
Rahmi, Y. R., Rozi, S., & Helfi, H. (2024). The Qaul Qadim and Qaul Jadid: A Sociological Review of The Evolution of Islamic Law. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 143–158. https://doi.org/10.30983/al-hurriyah.v9i2.8637
Alfarisi, S., & Arwani, M. K. (2025). The Influence of Modernization on the Phenomenon of Sirri Marriage Among Libyan Students from the Perspective of Islamic Family Law. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 159–170. https://doi.org/10.30983/al-hurriyah.v9i2.8549
Ahmidi, A., A.S. Pelu, I. E., & Noor Ihsan, R. (2025). The Role of Central Kalimantan Indonesian Ulama Council (MUI) in Encouraging Muslim Participation in Regional Elections: Perspective of Fatwa on Prohibition of Abstention . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 171–182. https://doi.org/10.30983/al-hurriyah.v9i2.8672
Rahmi, L., Ridha, S., Rahmi, R., Naali, B., & Andriyaldi, A. (2025). A Review of Urf on the Distribution of Dapua Coupons During Eid Al-Adha. Al-Hurriyah: Jurnal Hukum Islam, 9(2), 183–193. https://doi.org/10.30983/al-hurriyah.v9i2.8075
Musarrofa, I., & Muttaqin, H. (2024). Maqasid Sharia Jasser Auda Theory: Systems Approach to Islamic Family Law in the Digital Era . Al-Hurriyah: Jurnal Hukum Islam, 9(2), 194–208. https://doi.org/10.30983/al-hurriyah.v9i2.8979
Akhiroh, M. (2024). Exploring Weton Calculation for Wedding Dates: Insights From Javanese Culture and Islamic Perspectives . Al-Hurriyah: Jurnal Hukum Islam, 9(1), 1–12. https://doi.org/10.30983/alhurriyah.v9i1.8150
Qowiyul Iman, R., & Joni, J. (2024). Divorce and Its Practices Before A Religious Court; A Perspective Analysis of Islamic Legal. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 13–26. https://doi.org/10.30983/alhurriyah.v9i1.8066
Jannah, S., & Hairus Saleh. (2023). Deconstructing Sharia: A Critical Study of Abdullah Al-Naim’s Thought on Naskh. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 27–39. https://doi.org/10.30983/alhurriyah.v9i1.7973
Budiman, B., Rahmawati, R., Fikri, F., Aris, A., & Akhsan, M. (2023). The Urgency of Understanding Underage Marriage Law Due to Out of Wedlock Pregnancy for Students. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 40–53. https://doi.org/10.30983/alhurriyah.v9i1.8095
Hamdani, H., Yanto, F., & Afiza, F. N. (2024). Nikah Bacindua in The Perspective of Mashlahah Mursalah in South Batipuh District, Tanah Datar Regency, West Sumatra. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 54–66. https://doi.org/10.30983/alhurriyah.v9i1.8201
Sukiati, S., Yazid, I., & Irfan, M. (2024). Analysis of Sigli Syariah Court Judges’ Opinion On Ex-Husband’s Marriage During Their Ex-Wife’s Iddah Period. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 67–76. https://doi.org/10.30983/alhurriyah.v9i1.7771
Salleh, A. D. (2024). Confiscated Asset Management According to The Islamic Perspective. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 77–89. https://doi.org/10.30983/alhurriyah.v9i1.8465
Parut, W., Yufriadi, F., Ngardi, V., & Anggraini Rizki, M. (2024). Discrimination in the Registration of Marriages of Different Religions: Regulation and Practice in Southeast Asia. Al-Hurriyah: Jurnal Hukum Islam, 9(1), 90–101. https://doi.org/10.30983/alhurriyah.v9i1.8544
Zaidah, Y., Ramadhan, S., & Hafidzi, A. (2023). Bitcoin as A Wedding Dowry : A Case of Marriage With A Dowry Whose Currency is Not Clear. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 83–92. https://doi.org/10.30983/al hurriyah.v8i2.5683
Arief, H., Al Hakim, M. A., & Fahmi, M. D. (2023). Family Portrait of Sakinah and Maslahah in the Modern Era (Perspectives of M. Quraish Shihab and Imam Al-Syatibi). Al-Hurriyah: Jurnal Hukum Islam, 8(2), 93–100. https://doi.org/10.30983/al hurriyah.v8i2.7527
Fitri, D. R., Miswardi, M., Yufriadi, F., Refliandi, I., & B, S. (2023). The Dynamics of Identity Politics In Indonesia: A Study of Nurcholish Madjid’s. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 101–114. https://doi.org/10.30983/al hurriyah.v8i2.6751
Fauzi, A. R., & Sulaeman, D. (2024). Ethics of Public Advertising: The Effectiveness of Amar Ma’ruf Nahi Munkar (Islamic Legal Perspective). Al-Hurriyah: Jurnal Hukum Islam, 8(2), 115–123. https://doi.org/10.30983/al hurriyah.v8i2.6334
Pratama, J. (2023). Restorative Justice in Resolving Criminal Cases of Child Abuse From an Islamic Legal Perspective. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 124–133. https://doi.org/10.30983/al hurriyah.v8i2.7307
Rohman, M. F. (2023). The Practice and Prohibition of Customary Marriage in Nglawak Indigenous Peoples, Nganjuk Islamic Legal Perspective. Al-Hurriyah: Jurnal Hukum Islam, 8(2), 134–148. https://doi.org/10.30983/al hurriyah.v8i2.6152
