The Effectiveness of Digital-Based Zakat Distribution on the Economic Empowerment of Mustahik: A Sharia Economic Perspective Analysis

Siti Amalika; Abd Hamid

doi:10.54471/idarotuna.v7i1.182

Authors

Siti Amalika STEI Masyarakat Madani Pamekasan, Indonesia
Abd Hamid STEI Masyarakat Madani Pamekasan, Indonesia

DOI:

https://doi.org/10.54471/idarotuna.v7i1.182

Keywords:

Digital Zakat, Economic Empowerment, Mustahik, Maqāṣid Al-Sharī‘ah, Sharia Economics, Zakat Governance

Abstract

This study analyzes the effectiveness of digital-based zakat distribution in empowering the economy of mustahik through an Islamic economic perspective, where the governance transformation from conventional to digital systems is proven to enhance the accuracy, transparency, and speed of productive fund distribution. Utilizing a qualitative narrative-analytical approach through case studies and the Miles and Huberman interactive model analysis, the findings reveal that the implementation of features such as digital scoring, real-time monitoring, and e-wallet integration significantly minimizes mistargeting and accelerates the distribution of business capital. The impact is evident not only in the strengthening of accountability and financial literacy among mustahik but also in the improvement of the economic independence index and the reduction of failure risks for micro-enterprises. Theoretically, the digitalization of zakat represents the actualization of the maqāṣid al-sharīʿah principles, specifically ḥifẓ al-māl (preservation of wealth) and distributive justice. This confirms that institutional ijtihad through this hybrid governance model is highly strategic in realizing inclusive and sustainable Islamic economic development

Downloads

Download data is not yet available.

References

Ahmad, A., & Muid, A. (2022). Pendekatan Konstruktivis-Interpretis (Hermeneutik) Sebagai Metode Penafsiran. Al Dhikra | Jurnal Studi Qur’an Dan Hadis, 2(2), 169–182. https://doi.org/10.57217/aldhikra.v2i2.779

Ahmad Rafiki, Hery Syahrial, S. A. (2024). A Review on Digital Zakat Management Research Ahmad. Information Management and Business Review, 16(3), 167–174.

Akbarillah, Maharrani Wulansari Islam, U., & Sunan, N. (2025). ANALISIS Efektivitas Platform Digital Untuk Pengumpulan Zakat Dan Infaq. 10(204), 1603–1616.

Alfatah, S. (2024). Optimalisasi Zakat di Era Digital : Peran Teknologi dalam Transparansi dan Efisiensi Distribusi. 2(2), 11–31.

Alhamrani, Bafadhal, E., Husin, Islam, U., Sulthan, N., & Saifuddin, T. (2025). LintekEdu : Jurnal Literasi dan Teknologi Pendidikan LintekEdu : Jurnal Literasi dan Teknologi Pendidikan. 6(4), 196–212.

Ariccia, G. D., Ebrahimy, E., Igan, D., & Puy, D. (2020). Discerning Good from Bad Credit Booms : The Role of Construction.

Baznas, M., Hukum, A., & Dan, I. (2025). Preferensi Muzakki Dalam Pembayaran Zakat Digital Melalui Baznas: Analisis Hukum Islam Dan Regulasi Satria1. 6, 1129–1142.

Diana, T. M., & Normasyhuri, K. (2025). Analisis Peran Dana Zakat dalam Pengentasan Kemiskinan : Upaya Mendukung Sustainable Development Goals ( SDGs ) Analysis of the Role of Zakat Funds in Poverty Alleviation : Efforts to Support the Sustainable Development Goals ( SDGs ). 22(3), 311–327.

Faiq, Mohd, & Saimi. (2021). Mohd Faiq Bin Saimi_A42216053.

Firmansyah, Y., Sukarno, H., & Masruroh, N. (2024). The Productive Zakat in Empowering Mustahik Entrepreneurship. 2(03), 230–239. https://doi.org/10.58812/esee.v2i03

Fradana, A. N. (2025). CJPE : Cokroaminoto Juornal of Primary Education Efektivitas Literasi Digital untuk Pembelajaran di Sekolah Dasar Pendahuluan Kemampuan literasi dasar sangat diperlukan di era globalisasi karena. 8, 938–954.

Ghozali, M. L., & Mijinyawa, S. I. (2025). Blockchain Technology as A Means of Wealth Protection ( Ḥ if ẓ al- Māl ) in Digital Cryptocurrency Assets : A Maqāṣ id- Oriented Analytical Framework. 21(2), 359–370.

Hafiz, A. P., Latif, M., Muhammad, P., & Umar, M. H. (2025). Analysis of the Indonesian Banking System : A Comparison Between Conventional and Sharia Banks. 8(2), 278–292. https://doi.org/10.58824/mediasas.v8i2.300

Hamonangan, & Iskandar. (2020). Pasar, Tata Kelola Dan Hubungan Transnasional Di Era Globalisasi Dan Implikasinya Terhadap Ketahanan Politik Dunia. Jurnal Ketahanan Nasional, 26(1), 55. https://doi.org/10.22146/jkn.52695

Hapsari, Paramitha, Y. D., Saraswati, & Retno. (2023). Dampak Pelaksanaan Presidential Threshold pada Pemilu Serentak terhadap Demokrasi di Indonesia. Jurnal Pembangunan Hukum Indonesia, 5(1), 70–84. https://doi.org/10.14710/jphi.v5i1.70-84

Hasanah, F., & Mukarromah, Z. (2023). Sistematika Profit Sharing Marketing Rias Manten NH Wedding Collection Perspektif Hukum Ekonomi Syariah ( Study Kasus Pondok Pesantren Nurul Huda ). 01(01).

Hasyim, F., Ratnasari, R. T., & Ramly, A. (2023). Financial Technology Adoption and Digitization of Zakat Payment Behavior. 10(2), 247–270.

Jamal, Putri, M., & Mulia, N. (2024). Universitas Darussalam Gontor Universitas Darussalam Gontor Universitas Darussalam Gontor. 11(April), 63–72.

Kahf, M. (1999). The Performance Of The Institution Of Zakah In Theory And Practice.

Khairi, & Omar. (2024). Technology sebagai strategi optimaliasasi.

Luntajo, M. M. R. (2023). Optimalisasi Potensi Pengelolaan Zakat di Indonesia Melalui Integrasi Teknologi. 3(1), 14–28.

Maranti, Safika, Wijayanti, Eka, D., Sains, F., & Dahlan, U. A. (2025). Model Graf Berbobot untuk Penentuan Skala Prioritas Mustahik Zakat Mal : Studi Kasus LazizMu Daerah Istimewa Yogyakarta. 5(September), 1458–1470.

Mubarak, S. (2025). Zakat sebagai Distribusi Kekayaan. 03, 121–124.

Mustofa, H., Bagus, Prasetiyo, & Luhur. (2024). Strategi Pengembangan Bisnis Usaha Mikro Kecil dan Menengah (UMKM) melalui Sertifikasi Halal di Kabupaten Ponorogo. Istithmar, 7(2), 159–172. https://doi.org/10.30762/istithmar.v7i2.716

Noviani, Anisa, Tri, Sofiana, & Anis. (2025). Zakat Fund Management through Financial Technology in the Digital Era : A Maqā ṣ id al- Sharī ‘ ah Approach. 25(2).

Oktaviani, J. (2022). Islamic Social Finance and Maqashid Shariah. 2(2).

Ortenzi, F., Marten, R., Valentine, N. B., & Kwamie, A. (2022). Whole of government and whole of society approaches : call for further research to improve population health and health equity. 10–13. https://doi.org/10.1136/bmjgh-2022-009972

Ozili, P. K. (2018). Borsa _ Istanbul Review Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003

Rika, Widianita, & Dkk. (2023). By The Blessings Of Almighty God Governor Of Bank Indonesia,. At-tawassuth: Jurnal Ekonomi Islam, VIII(I), 1–19.

Rosyadi, M. I. (2025). Kolaborasi birokrasi fundraising zakat.

S. Rahmani, K. (2025). Harmonisasi Fatwa Dan Regulasi Perbankan Syariah. 6(02), 133–144.

Saladin, B. (2022). Pro Kontra Penafsiran Metode Tafsir Hermeneutika Dalam Menafsirkan Al-Qur’an.

Santos, L. H. L. dos. (2023). Temporal Truth and Bivalence: an Anachronistic Formal Approach to Aristotle’s De Interpretatione 9. Journal of Ancient Philosophy, 17(1), 59–79. https://doi.org/10.11606/issn.1981-9471.v17i1p59-79

Satibi, I. (2024). Financial Technology Innovation in Modernizing Zakat Payment in the Digital Era. 03(2), 127–138.

Siliwangi. (2021). Siliwang. Analisis Kritis Terhadap Larangan Gharar Dalam Tr ansaksi Bisnis Modern: Studi Pustaka Berbasis Literatur Fikih Muamalah. Khalid.

Siti, & Ai. (2024). At-Taradhi : Jurnal Studi Ekonomi Volume 15 Number 1 , June 2024 Performance Measurement of Zakat Management Organizations Through The Approach of Indonesia Zakat and Development Report and National Zakat Index Ai Siti Rahmah & Andriani Accounting for Isl. 15(1), 1–17.

Suwito, S., Kamal, M., & Sharma, M. (2025). Modernizing zakat , infak and shadaqah governance : insights from diffusion , institutional , and contingency theories. 13(1), 154–181.

Syahran, A. R. M. S. J. (2023). Teknik Pengumpulan Data Dan Instrumen Penelitian Ilmiah Pendidikan Pada Pendekatan Kualitatif dan Kuantitatif. 1, 1–9.

Syarbaini, A. M. B. (2025). Distributing Zakatu Kasbil ’ Amal as an Alternative to Student Funding , Evidence in Indonesia ’ s Universities. 1–25.

Yudi, P., Agung, A., & Putu, B. (2021). International Journal of Data and Network Science The effect of trust on travel agent online use : Application of the technology acceptance model. 5, 173–182. https://doi.org/10.5267/j.ijdns.2021.6.015.