PEMBERDAYAAN MASYARAKAT ISLAM MELALUI ZAKAT PRODUKTIFPADA PELAKU USAHA MIKRO DI KOTA METRO

WAWAN, TRANS PUJIANTO (2026) PEMBERDAYAAN MASYARAKAT ISLAM MELALUI ZAKAT PRODUKTIFPADA PELAKU USAHA MIKRO DI KOTA METRO. Diploma thesis, UIN RADEN INTAN LAMPUNG.

	PDF Download (4MB)
	PDF Restricted to Repository staff only Download (5MB)

Abstract

ABSTRAK Penelitian ini berpijak pada pandangan bahwa zakat produktif tidak hanya berfungsi sebagai instrumen distribusi ekonomi, tetapi juga sebagai sumber daya pemberdayaan masyarakat Islam untuk memperkuat kapasitas, kemandirian, nilai keislaman, dan keberlanjutan manfaat. Permasalahan penelitian berangkat dari kondisi mustahik pelaku usaha mikro yang menghadapi keterbatasan modal, rendahnya literasi keuangan, lemahnya pencatatan usaha, bercampurnya keuangan usaha dan rumah tangga, terbatasnya pemasaran, serta ketergantungan terhadap bantuan. Penelitian bertujuan menganalisis implementasi pemberdayaan masyarakat Islam, partisipasi aktor, dan mengonstruksi pola pemberdayaan melalui Program BAZNAS Microfinance Masjid (BMM) BAZNAS Kota Metro. Penelitian menggunakan pendekatan kualitatif dengan desain deskriptifkonstruktif pada Masjid At-Taqwa, Masjid Nurul Huda, dan Masjid Nurul Amal. Sebanyak 23 informan dipilih secara purposif, terdiri atas lima pengurus BAZNAS, tiga takmir masjid, tiga pendamping, dan dua belas mustahik. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi, kemudian dianalisis secara tematik melalui kondensasi data, penyajian data, serta penarikan kesimpulan dan verifikasi. Hasil penelitian menunjukkan bahwa pemberdayaan berlangsung melalui penyadaran, penguatan kapasitas, penyaluran qardhul hasan, pendampingan, monitoring, evaluasi, dan dana bergulir. Partisipasi membentuk kolaborasi BAZNAS, takmir, pendamping, mustahik, dan jamaah. Penelitian mengonstruksi Pola IntegratifRegeneratif Pemberdayaan Masyarakat Islam Berbasis Masjid yang menghubungkan identifikasi kebutuhan, seleksi, pembiayaan, pendampingan, evaluasi adaptif, pengembangan usaha, kemandirian bertingkat, dan regenerasi manfaat. Perubahan yang muncul meliputi meningkatnya pemahaman terhadap modal produktif, kemampuan mengelola usaha, keterampilan dasar keuangan, kepercayaan diri, dan berkurangnya ketergantungan terhadap bantuan, meskipun tingkat perkembangan antar-mustahik tidak seragam. Kebaruan penelitian terletak pada konstruksi hubungan antarkomponen tersebut dalam satu pola yang bersifat integratif, adaptif, dan regeneratif berbasis masjid serta berorientasi pada keberlanjutan manfaat sosial. ABSTRACT This study is based on the view that productive zakat does not merely function as an instrument of economic distribution, but also as a resource for Islamic community empowerment aimed at strengthening capacity, independence, Islamic values, and the sustainability of benefits. The research problem arises from the condition of mustahik engaged in micro-enterprises who face limited capital, low financial literacy, weak business record-keeping, the mixing of business and household finances, limited marketing capacity, and dependence on assistance. This study aims to analyze the implementation of Islamic community empowerment, the participation of actors, and the construction of an empowerment pattern through the BAZNAS Mosque Microfinance Program (BMM) of BAZNAS Metro City. This study employed a qualitative approach with a descriptive-constructive design at At-Taqwa Mosque, Nurul Huda Mosque, and Nurul Amal Mosque. A total of 23 informants were purposively selected, consisting of five BAZNAS administrators, three mosque management representatives, three program facilitators, and twelve mustahik. Data were collected through in-depth interviews, observation, and documentation, and were then analyzed thematically through data condensation, data display, conclusion drawing, and verification. The findings show that empowerment is carried out through awareness building, capacity strengthening, qardhul hasan financing, mentoring, monitoring, evaluation, and revolving funds. Participation creates collaboration among BAZNAS, mosque administrators, facilitators, mustahik, and congregants. This study constructs an Integrative-Regenerative Pattern of Mosque-Based Islamic Community Empowerment that connects needs identification, beneficiary selection, financing, mentoring, adaptive evaluation, business development, tiered independence, and benefit regeneration. The changes include improved understanding of productive capital, business management capacity, basic financial skills, self-confidence, and reduced dependence on assistance, although the level of development among mustahik is not uniform. The novelty of this study lies in constructing the relationships among these components within a mosquebased pattern that is integrative, adaptive, and regenerative, and oriented toward the sustainability of social benefits.

Actions (login required)

View Item