scholarly journals Sakofa: Evaluating Zakat Microfinance Program

2018 ◽  
Vol 2 (3) ◽  
Author(s):  
Rakhmawati
Keyword(s):  
Poverty Alleviation ◽  
Primary Data ◽  
Economic Empowerment ◽  
Poverty Index ◽  
Benefit Evaluation ◽  
The Poor ◽  
Microfinance Institution ◽  
Saving Behavior ◽  
Empowerment Program

Zakat microfinance (ZMF) is an alternative to the limitation of zakat institution and microfinance institution in empowerment program. To make sure the zakat microfinance is on the track and to boost its performance and its benefit, evaluation is needed. This study aims to do an operational evaluation of productive zakat program formed in the micro-economic empowerment program named Sakofa (Madrasah Ekonomi Dhuafa/ School for Economics of the Poor) of Dompet Dhuafa Yogyakarta. Primary data were gathered from Sakofa beneficiaries in Sleman, Bantul, and Gunung Kidul. The findings show that all monetary aspects are better after running the program. Using ADePT software, headcount index, poverty gap, poverty severity, Watts index, and the average time taken to exit poverty are lower after doing the program. Altruism and saving behavior are better after Sakofa Program is implemented. Unfortunately, mustahiq were lack of discipline and desire to be independent. The effectiveness of counseling material on religiosity is the lowest. In short, Sakofa Program has a good performance in improving their prosperity. Keywords: productive zakat, zakat microfinance, poverty alleviation, empowerment, poverty index

scholarly journals Dampak Penyaluran Zakat Produktif Terhadap Pemberdayaan Ekonomi Mustahik (Kajian pada Lembaga Keuangan Mikro Syariah Baitul Mal Aceh)

2020 ◽  
Vol 2 (2) ◽  
pp. 312-332
Author(s):  
Juliani Juliani
Keyword(s):  
Poverty Reduction ◽  
Sampling Technique ◽  
Regression Equation ◽  
Equation Method ◽  
Economic Empowerment ◽  
P Value ◽  
The Poor ◽  
Microfinance Institution ◽  
Independent Variable ◽  
Comprehensive Study

The productive distribution of zakat is expected to empower mustahik to accelerate poverty reduction. Therefore, Baitul Mal Aceh has formed Productive Zakat Management Unit which was later developed into Sharia Microfinance Institution (LKMS). The institution aims to empower the economy of the poor through productive distribution of zakat in the form of interest-free financing (Qardhul Hasan). Hence, it is necessary to conduct a comprehensive study to discover to effect of the productive zakat on economic empowerment of mustahik. Specifically, the purpose of this study is to investigate: 1) the distribution of productive zakat (X), 2) economic empowerment of mustahik (Y), 3) the effect of productive zakat on economic empowerment of mustahik at LKMS Baitul Mal Aceh. This study performed regression equation method Y = a + bX. The data was collected by distributing questionnaires and there were 160 respondents chosen by using convention sampling technique. The results of study proved that LKMS Baitul Aceh has a good achievement in distributing productive zakat through utilization, target, and distribution. In term of economic empowerment of mustahik, the improvement is needed through training, business managing, and assisting.  The distribution of productive zakat (X) have a significant effect on economic empowerment of mustahik (Y) as tscore (3.637) >ttable (1.97509) and F score (13.231) >F table (3.9). In addition, p value (Sig) of 0.0000 is below alpha 5% proofing that hypothesis H1 is accepted which means there is a significant effect of the distribution of productive zakat on economic empowerment of mustahik at LKMS Baitul Mal Aceh. The regression equation obtained for Y = a + bX is Y = 55.511 + 0.149Y. The equation implies that the changes of 0.149 for dependent variable (Y) result from 1 point changes in the independent variable (X).

scholarly journals Wakaf Uang Solusi Alternatif Memberdayakan Ekonomi Umat Studi Kasus Pada BMT Mandiri Sejahtera Karangcangkring Jawa Timur

2018 ◽  
Vol 3 (2) ◽  
Author(s):  
Misbahul Khoir
Keyword(s):  
Small Businesses ◽  
Profit Sharing ◽  
Alternative Solution ◽  
Economic Empowerment ◽  
The Poor ◽  
Microfinance Institution

Bayt al-Mal wa al-Tamwil (BMT) is a microfinance institution that is operated with profit sharing or sharia principle by developing micro and small businesses, in order to elevate degrees and dignity and defend the interests of the poor. BMT (Baitul Mal Wat Tamwil) also receives deposits from zakat, waqf, infaq and sadaqah funds and optimizes its distribution in accordance with its regulations and mandates. The concept of money or cash waqf even though only with 10,000 nominal customer however, endowments have enormous potential to be explored and developed with an emphasis on how the potential of money waqf can be an alternative solution in order to empower the ummah economy through BMT Mandiri Sejahtera Karangcangkring East Java. This BMT Mandiri Sejahtera Karangcangkring in East Java outlines the types of products classified into three, namely savings, financing and services. There are three deposits: Simaster, Hajj and Umrah savings, and qurban savings. There are five financing, namely murabahah, rahn, mudlarabah, musharakah, and ijarah. While service products such as exchange of ringgit money, remittances from within / abroad, PLN online payments, Token, Telkom, FIF, BAF, Adira Finance, Oto Finace, WOM Finance, STNK/mutation installment installments. Although there are weaknesses, the result of research shows that the threat that is feared will hamper the endowment of money products on Mandiri Sejahtera BMT but this is not a burden, the most important is that this product does not violate the rules of sharia and is permissible in Islam because the application of money waqf products in Mandiri Sejahtera BMT is appropriate, namely the value the principal remains and the remaining proceeds from the money endowments will be distributed for virtue. Keywords: Cash Waqf, Society Economic Empowerment, BMT Mandiri Sejahtera

scholarly journals IDENTIFIKASI 8 ASHNAF UNTUK MENDUKUNG AKUNTABILITAS LAZIS DALAM PENGENTASAN KEMISKINAN DI KECAMATAN PALENGAAN, PAMEKASAN

2021 ◽  
Vol 9 (01) ◽  
pp. 01-16
Author(s):  
Bella Apryani Pujayanti ◽  
Rohmawati Kusumaningtias
Keyword(s):  
Qualitative Research ◽  
Poverty Alleviation ◽  
Secondary Data ◽  
Primary Data ◽  
Religious Leaders ◽  
The Poor ◽  
Descriptive Approach ◽  
Nominal Amount

The purpose of this study was to identify 8 ashnaf to support LAZIS accountability in poverty alleviation in Palengaan District. The type of research used is qualitative research with a descriptive approach. The data in this study were obtained through interview, observation and documentation techniques. Sources of data used in the form of primary data sourced from interviews with the head of LAZIS, mustahik, muzakki, and local religious leaders, as well as secondary data from books, articles and journals. The results showed that there were only 4 groups of zakat recipients (ashnaf) identified in the LAZIS Panyeppen area, namely the indigent, the poor, amil, and fi sabilillah. In addition, from the results of the study it is also known that the distribution of zakat carried out by LAZIS Panyeppen has not fully helped the needs of the mustahik (the poor), this is because the nominal amount of zakat received by the poor is relatively lower than that received by other groups, so poverty in the Palengaan area has not been fully resolved.

scholarly journals Pendayagunaan Sumber Daya Filantropi Perspektif Hadis:

2020 ◽  
Vol 5 (2) ◽  
pp. 192-209
Author(s):  
Muhammad Nasir
Keyword(s):  
Content Analysis ◽  
Research Result ◽  
Economic Empowerment ◽  
Social Content ◽  
Second Stage ◽  
Positive Economic ◽  
The Poor ◽  
Initial Stage ◽  
Livestock Rearing ◽  
Empowerment Program

This research investigates how the hadith guidelines on the use of zakat, infaq, and shadaqah are used to impose zakat and shadaqah and devise ways to use the philanthropic resources of Muslims, particularly in the municipality of Gorontalo. The approach used was a legal and social content analysis. The research result showed that the Gorontalo City Baznas Program is a positive economic empowerment program called Kota Gorontalo Makmur, referring to the prophet's hadith. This initiative was in the form of business capital assistance to the poor to conduct profitable enterprises, such as farming, fishing, planting, livestock rearing, sale, household crafts, etc. Every year, Gorontalo City Baznas distributes this program to 50 citizens like the sold products. This program has been applied since July 2017. For the first phase, 23 people have received capital assistance amounting to Rp. 5,000,000/person with two disbursements. The initial stage was worth Rp. 3,000,000 and later in the second stage the remaining Rp. 2,000,000 was given to mustahiq.

scholarly journals SDGs Value and Islamic Philantrophy Through Zakah Institution During the Covid-19

2021 ◽  
Vol 4 (1) ◽  
pp. 31
Author(s):  
Ana Toni Roby Candra Yudha ◽  
Habibah Awwaliah ◽  
Eka Mega Pertiwi
Keyword(s):  
Poverty Reduction ◽  
Wealth Distribution ◽  
Group Discussion ◽  
Primary Data ◽  
Economic Empowerment ◽  
Crucial Point ◽  
The Poor ◽  
Depth Interviews ◽  
The Needy ◽  
Distribution Of Income

Introduction to The Problem: The mission of the zakat institution as a philanthropic booster is very necessary. As an economic empowerment for the poor and to support micro businesses. Especially when the covid 19 pandemic condition requires a wealth distribution of income and consumption from the sufficient in the weak economy condition.Objective Study: The aims of this study is to identify the optimization of the zakat institution program which involves poverty reduction and the utilization of the poor and disadvantaged. This is in line with SDG’s 1 and 8 values on poverty reduction and the provision of decent work.Methodology: This study uses an explanatory qualitative approach. A solution review of the process of managing and utilizing money waqf at LAZ Yatim Mandiri, using primary data by in-depth interviews with waqf doers and continued with source triangulation, focus group discussion that talks about covid 19 in many perspective, accompanied by the opinion of 15 academicians and 4 experts (fiqh) waqf.Findings: The result of this study showed that the potential for endowments must be balanced with increasing Nazir awareness and understanding to manage endowments of money in order to continue to be useful. Ascertaining the direction of philanthropic movements during pandemic to collect funds and distribute them to the poor and pandemic affected victims is a crucial point. The important advice that LAZ should make is to maintain the intensity of friendship with muzakki or donors and the needy, to create a socially oriented business and also can be appropriate and feasible with the propaganda method used. this needs to be done considering that in addition to humanity issues, other issues that have a severe impact on the covid pandemic 19 are the microeconomic sector and MSME.

scholarly journals Zakat Impact on Poverty and Welfare of Mustahik: A CIBEST Model Approach

2017 ◽  
Vol 1 (01) ◽  
pp. 1
Author(s):  
Irfan Syauqi Beik ◽  
Caesar Pratama
Keyword(s):  
Rural Areas ◽  
Poverty Alleviation ◽  
Positive Impact ◽  
Primary Data ◽  
Poverty Index ◽  
Absolute Poverty ◽  
Welfare Index ◽  
The Impact ◽  
Model Approach

<p>This research aims to analyze the impact of productive zakat program in poverty alleviation of mustahik households, based on materially and spiritually aspects. Primary data was used as the source of data through distributing administered questionnaires in four rural areas in Bogor Regency. 121 respondents had been interviewed. They were the recipients of Masyarakat Mandiri program of Dompet Dhuafa Amil Institution. CIBEST model which have been developed by Beik dan Arsyianti (2014) was used as the tool of analysis. CIBEST model comprising four indices is used as tool of analysis. These indices are welfare index, material poverty index, spiritual poverty index and absolute poverty index. It is found that the presence of zakat utilization program is able to increase welfare index of the mustahik by 147.14 percent. The material poverty index, spiritual poverty index and absolute poverty index can also be reduced by 49.6 percent 1.6 and 12.3 percent, respectively. Meanwhile, welfare index increase by 63.7 percent. In conclusion, productive zakat program give positive impact to the mustahik household life.</p><p><br />Keywords: CIBEST model, Islamic poverty index, poverty, productive-based zakat program</p>

scholarly journals Efektivitas dan Perspektif Pelaksanaan Program Beras Sejahtera (Rastra) dan Bantuan Pangan Non-Tunai (BPNT)

2018 ◽  
Vol 16 (1) ◽  
pp. 1 ◽  
Author(s):  
Benny Rachman ◽  
Adang Agustian ◽  
NFN Wahyudi
Keyword(s):  
Poverty Alleviation ◽  
Policy Instruments ◽  
Food Assistance ◽  
Primary Data ◽  
Subsidy Policy ◽  
Rice Quality ◽  
Qualitative Approaches ◽  
The Poor

<p>Rice for the Poor (Rastra) and Non-Cash Food Assistance (BPNT) Programs are among the policy instruments for poverty alleviation. Rastra, formerly a subsidy policy, was partly transformed into assistance design through BPNT Program since 2017. This study aims to assess effectiveness of Rastra and BPNT in terms of 6R aspects, i.e. Right Target, Right Amount, Right Price, Right Time, Right Quality, and Right Administration. Primary data were collected from sample cities implementing these programs. This study used both quantitative and qualitative approaches. It is necessary to improve target beneficiaries, assistance receiving time, rice quality, and e-warong readiness. As instruments of poverty alleviation, Rastra and BPNT were implemented in an integrated manner based on the surplus and deficit areas. Subsidy design (Rastra) transformation into non-cash food assistance (BPNT) should be implemented gradually. Bulog needs to improve farmers’ rice purchase and to increase government’s rice reserve.</p><p> </p><p>Abstrak</p><p>Program Beras Sejahtera (Rastra) dan Bantuan Pangan Non-Tunai (BPNT) merupakan salah satu instrumen kebijakan penting dalam penanggulangan kemiskinan bagi masyarakat miskin berpenghasilan rendah. Sesuai arahan Presiden RI tentang bantuan sosial dan keuangan inklusif, maka sejak tahun 2017 Rastra yang merupakan kebijakan subsidi sebagian ditransformasi menjadi pola bantuan melalui Program BPNT. Penelitian ini bertujuan untuk mengkaji efektivitas pelaksanaan Rastra dan BPNT (aspek 6T: Tepat Sasaran, Tepat Jumlah, Tepat Harga, Tepat Waktu, Tepat Kualitas, dan Tepat Administrasi) dan merumuskan saran kebijakan perbaikan pelaksanaan Rastra dan BPNT. Cakupan kajian dan data yang digunakan adalah pada tingkat nasional dengan keterwakilan dari masing-masing kota pelaksana program. Metode kajian menggunakan analisis kuantitatif dan kualitatif. Pelaksanaan Rastra dan BPNT dipandang perlu dilakukan perbaikan dari sisi sasaran penerima, waktu penerimaan bantuan, kualitas beras, dan kesiapan e-warong di semua wilayah. Sebagai instrumen penanggulangan kemiskinan, Rastra dan BPNT dilaksanakan secara terpadu dengan mempertimbangkan wilayah surplus dan deficit. Proses transformasi pola subsidi (Rastra) menjadi pola bantuan pangan (BPNT) juga harus dilakukan secara bertahap sesuai kesiapan infrastrukturnya.  Selain itu mengingat kebijakan Rastra dan BPNT sangat terkait dengan peran dan kapasitas Bulog dalam melakukan serapan gabah-beras dari petani dan menjaga stabilisasi harga beras, maka pemerintah perlu meningkatkan Cadangan Beras Pemerintah.</p>

scholarly journals Pengentasan Kemiskinan Melalui Pemberdayaan Ekonomi Umat Menurut Persfektif Islam

2017 ◽  
Vol 2 (1) ◽  
pp. 81
Author(s):  
Muhammad Istan
Keyword(s):  
Social Justice ◽  
Human Resources ◽  
Community Involvement ◽  
Poverty Alleviation ◽  
Collective Responsibility ◽  
Poverty Line ◽  
Economic Empowerment ◽  
The Poor ◽  
The People ◽  
Cultural Measures

Poverty as a social problem will never escape the attention and discussion of Islamic teachings. Islam explores some of the most urgent main themes of empowerment and community involvement in eradicating their poverty. The Qur'an as the main source of Islamic teachings echoed a moral call for social justice in the economy to be upheld against people living below the poverty line. Efforts to alleviate poverty, one of the main focuses in Islam is the doctrine of weak economic empowerment of the people. Islam considers human resources personally to be the main agent in empowering the people's economy. Furthermore, Islam also sees that poverty alleviation is the collective responsibility of society so that the effort of economic empowerment of the poor becomes the collective obligation of all elements of society, especially poverty caused by social structure. It takes synergy between elements of society both government, ulama and society itself as subject and object of change. Some of the above empowerment models can be divided into two groups; Structural and cultural measures. Structural measures are more emphasized to the special institutions that handle them to run well, while cultural steps are emphasized on individuals, both individuals who are expected to be one of the subjects of poverty alleviation and empowerment of the poor and the poor and who became its object

scholarly journals LAZIZMU Philanthropy Potential in The Empowerment of Mustahiq’s Economic and Welfare (A Case Study in Probolinggo, Jember, and Pasuruan)

Afkaruna ◽  
2021 ◽  
Vol 17 (2) ◽  
pp. Layouting
Author(s):  
Benny Prasetiya ◽  
Heri Rifhan Halili ◽  
M. ALfi Syahrin ◽  
Muhammad Arifin
Keyword(s):  
Poverty Alleviation ◽  
Field Research ◽  
Economic Empowerment ◽  
Sociological Approach ◽  
The Poor ◽  
The People ◽  
Research Objects

Indonesia has a large zakat potential and has not been widely used for economic empowerment for the poor. Lazismu, as part of the national zakat institution, develops to provide solutions in zakat management in the form of economic empowerment for the poor to turn mustahiq into muzakki. This study was field research, and the data were obtained directly from the field and research objects. The research applied a normative sociological approach. This research was descriptive-analytic and clearly and in detail described the phenomena as the main problem without doing hypotheses or statistical calculations. Specifically, this research intended to describe in general the management of zakat conducted by Lazismu in Probolinggo, Jember and Pasuruan, then systematically reviewed them to achieve Lazismu’s Role strategy in poverty alleviation for the people of Probolinggo, Jember and Pasuruan, so that it was easier to understand and conclude. The results showed that the three Regional Lazismu in this study carried out the empowerment of mustahik to become muzakki with economic empowerment. Early empowerment is carried out by providing training and assistance to Mustahiq in managing productive economic businesses that are carried out sustainably. Economic empowerment for mustahiq has the potential to improve the economy to be more independent in running their business.

scholarly journals Poverty Alleviation and Microfinance for the Economy of Pakistan: A Case Study of Khushhali Bank in Sargodha

Economies ◽  
2020 ◽  
Vol 8 (3) ◽  
pp. 63
Author(s):  
Stylianou Tasos ◽  
Muhammad Ijaz Amjad ◽  
Masood Sarwar Awan ◽  
Muhammad Waqas
Keyword(s):  
Poverty Alleviation ◽  
National Development ◽  
Poverty Line ◽  
Negative Association ◽  
Primary Data ◽  
Human Beings ◽  
Poverty Level ◽  
The Poor ◽  
The World ◽  
The Impact

Poverty is a universal reality, and no one can deny the omnipresence of it all over the world. It is considered as the most harmful economic and social problem of human beings since their creation. It affects individuals as well as society as a whole in a very destructive way, and it is considered that poverty is the mother of all human rights violations. Perhaps no one would argue against the notion that microfinance can be a very useful apparatus in human, social, economic, political and national development. Microfinance has been established to fill the gap of a missing credit market for the poor. Among all other anti-poverty strategies, it has become one of the most important and successful tools for poverty elimination throughout the world. In this study, we investigate the impact of microfinance on poverty alleviation for the economy of Pakistan. The literacy is very poor for the area of Pakistan, so our research will help policy makers in making the right decisions in order to help the people that are living below the poverty line. Primary data of 300 households from Khushhali Microfinance Bank Limited were collected. The findings reveal that microfinance imparts a vital role in poverty eradication where the poverty level has decreased from 42.67% in comparison household (CHH) to 29.33% in the program household (PHH). Finally, it unveils the fact that there is a negative association between the provision of microfinance and poverty level of the household. The availability of micro financing facilities to the poor has declined the poverty rate from 42.67 percent to 29.33 percent. The Logistic Regression model implies that poverty has a negative association with the duration of microfinance, education and existence of a market in the locality, whereas it is positively related to family size and gender of the respondent.

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