PERAN EFEKTIVITAS DIGITALISASI PENGELOLAAN ZAKAT, INFAK, DAN SHADAQAH (ZIS) OLEH BAZNAS KOTA BANDAR LAMPUNG DALAM MEWUJUDKAN SUSTAINABLE DEVELOPMENT GOALS (SDGs) PADA ASPEK PENGENTASAN KEMISKINAN

HADI, YANTO (2025) PERAN EFEKTIVITAS DIGITALISASI PENGELOLAAN ZAKAT, INFAK, DAN SHADAQAH (ZIS) OLEH BAZNAS KOTA BANDAR LAMPUNG DALAM MEWUJUDKAN SUSTAINABLE DEVELOPMENT GOALS (SDGs) PADA ASPEK PENGENTASAN KEMISKINAN. Masters thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Kemiskinan merupakan tantangan utama pembangunan berkelanjutan di Indonesia, termasuk di Kota Bandar Lampung. Dalam konteks Sustainable Development Goals (SDGs), zakat, infak, dan shadaqah (ZIS) memiliki potensi besar sebagai instrumen pendukung pengentasan kemiskinan (SDG 1). Penelitian ini bertujuan untuk menganalisis efektivitas digitalisasi pengelolaan ZIS oleh BAZNAS Kota Bandar Lampung dalam meningkatkan kesejahteraan mustahik serta kontribusinya terhadap pencapaian SDGs. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam kepada lima mustahik penerima program ZIS, yang terdiri dari tiga penerima zakat produktif (modal usaha) dan dua penerima beasiswa pendidikan. Analisis dilakukan berdasarkan indikator efektivitas dari Indeks Zakat Nasional (IZN) 2.0 dan outcome kesejahteraan mustahik. Hasil penelitian menunjukkan bahwa digitalisasi sudah diterapkan secara optimal dalam penghimpunan zakat, tetapi belum sepenuhnya menjangkau aspek distribusi, pelaporan, dan pelayanan kepada mustahik. Program beasiswa terbukti lebih efektif dalam mendorong kemandirian dan perubahan status sosial mustahik, sementara zakat produktif belum mencapai kemandirian ekonomi akibat minimnya pendampingan. Selain itu, mustahik belum merasakan manfaat langsung dari digitalisasi karena keterbatasan literasi dan akses. Penelitian ini menyimpulkan bahwa efektivitas program ZIS dalam mendukung SDGs memerlukan penguatan pada aspek pemberdayaan, transparansi digital, dan pelibatan mustahik secara aktif dalam sistem digital zakat untuk mendorong keberdayaan yang berkelanjutan. Kata kunci: ZIS, Digitalisasi, SDGs, BAZNAS, IZN 2.0 vi ABSTRACT Poverty is a major challenge for sustainable development in Indonesia, including in Bandar Lampung City. In the context of Sustainable Development Goals (SDGs), zakat, infaq, and shadaqah (ZIS) have great potential as supporting instruments for poverty alleviation (SDG 1). This study aims to analyze the effectiveness of digitalization of ZIS management by BAZNAS Bandar Lampung City in improving the welfare of mustahik and its contribution to the achievement of SDGs. This research uses a descriptive qualitative approach with data collection techniques through in-depth interviews with five mustahik recipients of the ZIS program, consisting of three productive zakat recipients (business capital) and two education scholarship recipients. The analysis was conducted based on effectiveness indicators from the National Zakat Index (IZN) 2.0 and mustahik welfare outcomes. The results show that digitalization has been implemented optimally in the collection of zakat, but has not fully reached the aspects of distribution, reporting, and services to mustahik. The scholarship program is proven to be more effective in encouraging independence and changes in the social status of mustahik, while productive zakat has not yet achieved economic independence due to the lack of assistance. In addition, mustahiks have not felt the direct benefits of digitalization due to limited literacy and access. This research concludes that the effectiveness of ZIS programs in supporting SDGs requires strengthening the aspects of empowerment, digital transparency, and active involvement of mustahik in the digital zakat system to encourage sustainable empowerment. Keywords: ZIS, Digitalization, SDGs, BAZNAS, IZN 2.0 vii صَّخَ ل ُ م ْ ما َّ رَدْن َ ب ِ ةَ ني ِدَم َ ِ لَِذ ِ فِ ا َ مِب ،ا َ ي ِ سي ِ هوُدْه ِ ا ِ فِ ِ ةَما َدَخ ْ سُ م ْ ما ِ ة َ ي ِمْن ِ ةَما َدَخ ْ سُ م ْ ما ِ ة َ ي ِمْنَّخما ِ فا َدْهَأ ِ قا َ ي ِ س ِ فِ .ؽْهو ُ ب ْم َ لَ خل ِ ن ِ سِي ِ ئ َّ رما يّ ِدَحَّخما َ رْلَف ْ ما ُّ دَؼُث ِ ةَك َد َّطما َ و ُ قاَفْه ِ ْ لَا َ و ُ ة َ كََّ زما ُ ِ لَِخ ْ مَ ي ، ل َ ِ ا ُ ة َ سا َ رّ ِلِا ِ ه ِذَه ُ فِدْ َتَ ِ (SDGs) ُ (SDG 1). َ رْلَف ْ ما ِ ةَحَح َكَُم عَ ِلِ ٍ ةاَدَ َ كَ ً ةَيرِب َ ن ٍ تا َّ ي ِ ه َكَْم ِ ا ِ ة َّ ي ِ هاَح َ ر ِ ينِ سْ َ تَ ِ فِ ؽْهو ُ ب ْم َ لَ ِ رَدْن َ ب ِ ةَ ني ِدَم ِ سَنَْ ز َ بَ ِ لَ ب ِ ك ْ نِ م َ ةَما َدَخ ْ سُ م ْ ما ِ ة َ ي ِمْنَّخما ِ فا َدْه ZIS ِ (ZIS) ِ ْ ة َ راَد ِ ا ِ فِ ِ ةَ ن َ مْك َّ رما ِ ة َّ ي ِ ما َؼَح ِ لي ِ لْ َ تَ . ُ ت َ لََ باَل َ أ ِ قي ِ لْ َ تَ ِ فِ ا َ ِتِ َ هَا َ سُم َ و َ ينّ ِ ل ِحَخ ْ سُ م ْ ما ِ م ْ ما ِ ل َ لَِخ ْ نِ م ِ تَنَا َ ي َ ب ْ ما ِ عْ َجَ ِ ة َ ي ِ ن ْلَث َ عَم ً ة َّ ي ِغ ْ وَه ً ة َّ ي ِ ف ْ ضَ و ً ة َّ ي ِجَ ْنَْم ُ ة َ سا َ رّ ِلِا ِ ه ِذَه ُ مَدْخَخ ْ سُ ج ِ د َّطما َ و ِ ة َ كََّ زما ِ جَم َنَ ْ ر َ ب ْ نِ م َ ني ِدي ِ فَخ ْ سُم ٍ ة َ سْ َخَ َ عَم ِ ةَلي ِمَؼ ْ ما َ ا َ رْح ِ ا َ ني ِدي ِ فَخ ْ سُم ِ ةَزلََز ْ نِ م َ نوُه َّ وَكَخ َ ي ، ِتاَك َّ َ ت . ٍ ة َّ ي ِ سا َ ر ِ د ٍ حَن َم َ لََػ َ ينِ ل ِضا َحْ ما َ نِ م ِ ْ ينَ نْزا َ و ) ّ ِيِرا َجّ ِ خما ِ لا َ م ْ ما ِ سْأ َ ر( ِ ة َّ ي ِحاَخْه ِ ْ لَا ِ ة َ كََّ زما َ نِ م ُ ة َّ ي ِ هاَح َ ر ِ جِ ئاَخَه َ و 0.2 ِ ا َ مَنْي َ ب ، َينّ ِ ل ِحَخ ْ سُ م َ ُ ة َّ ي ِ ن َط َ و ْ ما ِ ة َ كََّ زما ِ ّ ِ شِ ؤُم ْ نِ م ِ ة َّ ي ِ ما َؼَف ْ ما ِ تا َ ّ ِشَِؤُم َ لََػ ً ا َ نِب ِ لي ِ ل ْحَّخما ِ . َني ِدي ِ فَخ ْ سُ م ْ ما َ َّ ن ِْك َ م ، ِ ة َ كََّ زما ِ عْ َجَ ِ فِ ّ ٍ ِ لاَث ِ م ٍ ْ كَْشِب اَهُليِب ْطَث َّ َ ت ْ دَك َ ةَ ن َ مْك َّ رما َّ نَأ ِ رْحَ ب ْ ما ُ جِ ئاَخَه ْ تَ رَه ْظَأ ْ لِطَث ْ َ م ا ِ حَ ن ِم ْ ما ُ جِ ما َ ر َ ب ْ تَد َ بْزَأ . َينّ ِ ل ِحَخ ْ سُ م ْ ل ِ ن ِ ةَمَّدَل ُ م ْ ما ِ تا َمَدَخْ ما َ و ِ ريِراَلَّخما َ و ْ ل ِ ن ّ ِ يِغا َ م ِ ذ ْح ْ لَا ِ ع ْضَ و ْ ما ِ يرِيْغَث َ و ِ ة َّ ي ِ م َ لَْل ِ خ ْ س ْ لَا ِ زيِزْؼَث ِ فِ ً ة َّ ي ِ ما َؼَح ُ َ ثَْ ن َ أ اَ َّنََّأ ِ ة َّ ي ِ سا َ رّ ِلِا عي ِز ْ وَّخما ِ بِ ها َ وَح َ لَ ِ ا ُ دْؼ َ ب ِ . ِ ْ عَّلِا ِ صْلَه ِ بَب َ سِب َ ةَّ ي ِ دا َ طِ ذ ْك ْ لَا َ ة َّ ي ِ م َ لَْل ِ خ ْ س ْ لَا ُ ة َّ ي ِحاَخْه ِ ْ لَا ُ ة َ كََّ زما ِ قّ ِ ل ، َ ِلَِٰ َذ َ لَ ِ ا ِ ةَحا َض ِ ْ لَ ِبَ ِ ةَحِرْؼ َ م ْ ما ِ ةَّ ي ِ دوُدْحَم ِ بَب َ سِب ِ ةَ ن َ مْك َّ رما َ نِ م ِ ة َ ِشِا َ ب ُ م ْ ما ِ دِ ئا َ وَف ْ م ِبَ َ نوُّل ِحَخ ْ سُ م ْ ما ِ رُؼ ْشَي ْ َ م ت َ ْ َ م ةَما َ . ِلو ُ ضُ و ْ ما َ و َ دَخ ْ سُ م ْ ما ِ ة َ ي ِمْنَّخما ِ فا َدْهَأ ِ ْ عَد ِ فِ ِ ة َ كََّ زما ِ جَم َنَ ْ ر َ ب َ ة َّ ي ِ ما َؼَح َّ نَأ َ لَ ِ ا ُ ة َ سا َ رّ ِلِا ِ ه ِذَه ْ تَ ل َّضَ وَث ِ ك َْشِب َ ينّ ِ ل ِحَخ ْ سُ م ْ ما ِ ة َ ن را َشُم َ و ، ِ ة َّ ي ِمْك َّ رما ِ ة َّ ي ِ حاَف َّشما َ و ، ِينِكْ مَّخم ِبَ ِ ةَل ّ ِ ل َؼَخ ُ م ْ ما ِ بِ ها َ وَجْ ما َ زيِزْؼَث ُ بَّ ل َطَخَث ٍ ْ . ِ ةَما َدِ خ ْ س ْ لَا ِ زيِزْؼَخ ِ م ّ ِ يِمْك َّ رما ِ ة َ كََّ زما ِ ما َظِ ه ِ فِ ٍ طِ شَ و ٌ 0.2 نِزي ِ ا ، ُسَنَ ْ ز َ بَ ، ِ ةَما َدَخ ْ سُ م ْ ما ِ ة َ ي ِمْنَّخما ُ فا َدْهَأ ، ٌ ةَ ن َ مْك َ ر ، ٌ ة َّ ي ِ م َ لَْ س ِ ا ،ٌة َ كََز : ة َّ ي ِحاَذْفَم ٌ تا َ م ِ َ ك

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