Analysis Of Zakat Utilization Patterns To Improve The Economy Of Zakat Recipient Families

Adeliza Eva Uncu; Aceng Kosasih; Indah  Sari

doi:10.19109/iphi.v5i2.28709

Authors

Adeliza Eva Uncu Universitas Pendidikan Indonesia
Aceng Kosasih Universitas Pendidikan Indonesia
Indah Sari Universitas Pendidikan Indonesia

DOI:

https://doi.org/10.19109/iphi.v5i2.28709

Keywords:

Consumptive; Mustahik ; Utilization Patterns; Productive

Abstract

This research aims to analyze the patterns of zakat fund utilization by recipients (mustahik) and identify factors influencing these utilization patterns. Using a qualitative approach with in-depth interviews of 20 zakat recipients, this study reveals that the majority of zakat funds are utilized to fulfill daily basic needs such as food supplies. In addition, the study found allocations of zakat funds for children's education, small business capital, and healthcare needs. Factors influencing utilization patterns include the urgency of family needs, demographic characteristics, recipients' experience and skills, and the amount of zakat received. This research concludes that although consumptive utilization remains dominant, there is a positive trend where some recipients are beginning to allocate zakat funds for long-term investments such as education and productive enterprises, which potentially provide more sustainable impact on poverty alleviation and welfare improvement.

References

Abdullah, N., & Hasan, Z. (2022). Zakat distribution for sustainable poverty alleviation in Malaysia: Challenges and solutions. International Journal of Zakat and Islamic Philanthropy, 4(1), 15-27.

Ahmad, M., & Mahmood, H. (2023). The impact of zakat on poverty reduction: Evidence from Pakistan. Islamic Economic Studies, 31(1), 47-66.

BAZNAS. (2023). Indonesian Zakat Outlook 2023. National Zakat Collection Agency.

Beik, IS, & Arsyianti, LD (2020). Measuring zakat impact on poverty and welfare using CIBEST model. Journal of Islamic Monetary Economics and Finance, 5(3), 551-574.https://doi.org/10.21098/jimf.v5i3.1080

Fahrullah, A., Adnan, MA, & Hasan, A. (2020). Consumption vs. productive utilization patterns of zakat recipients in Malaysia. Malaysian Journal of Consumer and Family Economics, 25(1), 78-95.

Firdaus, M., Beik, IS, & Irawan, T. (2022). Impact of productive zakat distribution on household welfare: Evidence from Indonesia. International Journal of Islamic Economics and Finance, 5(1), 18-34.

Hamid, SA, & Noor, AHM (2022). From survival to sustainability: A longitudinal study of productive zakat recipients. International Journal of Islamic Social Finance, 3(1), 54-69.

Hasanah, U. (2021). Analysis of the Potential for Zakat Receipts Through E-Commerce During the Covid-19 Pandemic. Journal of Islamic Social Finance Management, 2(1), 122-134.

Hassan, M. K., & Aziz, T. (2020). Towards an integrated zakat-waqf socio-economic development model: Case studies from selected OIC countries. Journal of Islamic Economics, Banking and Finance, 16(2), 13-31.

Hudaefi, FA, & Beik, IS (2021). Digital zakāh campaign in time of COVID-19 pandemic in Indonesia: A netnographic study. Journal of Islamic Marketing, 12(3), 498-517.https://doi.org/10.1108/JIMA-09-2020-0299

Ibrahim, P., & Noor, AHM (2023). Determinants of zakat utilization patterns among B40

Kasri, R.A., & Ahmed, H. (2020). Assessing socio-economic development based on Maqāṣid al-Sharīʿah principles: Normative frameworks, methods and implementation in Indonesia. Islamic Economic Studies, 27(2), 55-77.

Kashif, M., Faisal Jamal, K., & Abdur Rehman, M. (2019). The dynamics of Zakat donation experience among Muslims: A phenomenological inquiry.Journal of Islamic Accounting and Business Research, 10 (3), 451-470. https://doi.org/10.1108/JIABR-08-2016-0097

Mardiana, S., & Rusydiana, AS (2022). Longitudinal impact of productive zakat on microenterprise sustainability. Al-Iqtishad: Journal of Islamic Economics, 14(1), 112-128

Najim, A., & Jafri, SKA (2022). Digital transformation of zakat institutions: Impact on collection and distribution efficiency. Journal of Islamic Digital Economy, 2(1), 35-47.

Rahman, AA, & Ahmad, K. (2020). Zakat as social justice mechanism: Theoretical framework and empirical validation. International Journal of Islamic Economics and Finance Studies, 6(3), 234-251.

Rohmatillah, N. (2023). Improving Educational Progress Through Sharia Economics Based on Waqf and Zakat. DIMENSI-Journal of Sociology, 12(1).

Rosyana, F., & Sukmana, R. (2020). Human capital and zakat utilization behavior: Evidence from Indonesia. Journal of Islamic Finance and Business Research, 9(2), 123-139.

Rukhmana, T., Darwis, D., IP, S., Alatas, AR, Tarigan, WJ, Mufidah, ZR, ... & ST, S. (2022). Qualitative research methods. CV Rey Media Grafika.

Salleh, M.C.M., Abdullah, N., & Abdul Razak, S.H. (2019). Towards strengthening zakat distribution in Islamic microfinance: The case of Malaysia. Al-Shajarah: Journal of Islamic Thought and Civilization, Special Issue: Islamic Banking and Finance, 35-52.

Sartika, D. (2020). Entrepreneurship training and productive zakat utilization: A quasi-experimental study. Islamic Economic Studies, 28(1), 45-63.

Shaikh, SA, & Ismail, MA (2021). Potential of zakat in eliminating household income inequality: A comparative perspective. Journal of King Abdulaziz University: Islamic Economics, 34(1), 67-84.https://doi.org/10.4197/Islec.34-1.5

Sudirman, S. (2024). Dynamics of Inner Conflict in Religious Practice: A Study of Religious Psychology. MODELING: Journal of the PGMI Study Program, 11(1), 1131-1138.

Sumargo, B. (2020). Sampling techniques. Unj press.

Syafiq, A. (2021). Comparative analysis of consumptive versus productive zakat distribution: Poverty reduction effectiveness. Al-Amwal: Journal of Islamic Economics and Banking, 13(2), 189-205.

Wulandari, P., & Kassim, S. (2023). Enhancing the effectiveness of zakat distribution: Assessment of productive zakat programs in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 16(1), 73-89.

https://doi.org/10.1108/IMEFM-05-2022-0164