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Optimizing Zakat Productive-Based SMEs Empowerment: A Comprehensive Analysis and Strategic Framework

Year: 2025

Type: article

Abstract: Indonesia possesses substantial zakat potential, estimated at approximately 327 trillion rupiah annually. This study aims to: (i) develop rec-‎ommendations for national zakat-based SME empowerment programs, and (ii) enhance the understanding of zakat's potential as an alterna-‎tive funding source for SMEs. The research employs a descriptive qualitative approach utilizing various triangulation methods. Data were ‎gathered through focus group discussions (FGDs) with experts in zakat and SME empowerment. The analysis indicates that zakat institu-‎tions primarily focus their empowerment programs on SMEs and the agricultural sector. The SWOT and PESTEL analyses identify strate-‎gic priorities for optimizing productive zakat programs. This research proposes a strategic framework for implementing zakat-based SME ‎empowerment programs, which includes optimization of business processes, enhancement of zakat utilization schemes, and maximization of ‎zakat collection capabilities. These recommendations aim to improve the effectiveness of zakat programs in fostering entrepreneurial independence in Indonesia‎.

Source: International Journal of Accounting and Economics Studies

DOI: 10.14419/t2zvmq88

Authors: Gunawan Baharuddin, Mira Munira, Nurul Hilmiyah, Fatimah Azzahrah, Aaliyah Putri Sujana

Institution: Pancasila University

Topic: Islamic Finance and Banking Studies

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

SDGs: Decent work and economic growth, No poverty, Industry, innovation and infrastructure

Open Access status: bronze

OpenAlex ID: W4417322767

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