Enhancing Productive Zakat Effectiveness through Transparent and Accountable Governance: A Case Study
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Abstract
This study explores the implementation of the Zmart program by BAZNAS Papua as a localized model of productive zakat aimed at improving the welfare of mustahik. Through a qualitative case study involving interviews with beneficiaries, program staff, and zakat experts, the research identifies key mechanisms contributing to program success: provision of in-kind business capital, entrepreneurship training, and consistent mentoring. Findings show that these components collectively enhance income stability, financial literacy, self-confidence, and social integration among mustahik. The study also underscores the importance of accountability mechanisms—such as audits, SiMBA-based digital reporting, and public disclosures—in fostering trust and institutional credibility. Challenges such as limited market access, unstable income, and poor financial record-keeping remain persistent, indicating the need for adaptive and ongoing support. The Zmart program offers a replicable model for zakat institutions operating in socioeconomically constrained regions. Future research should investigate the sustainability of mustahik-to-muzakki transformation and integrate psychological dimensions of empowerment. The study contributes to the discourse on Islamic social finance by presenting a holistic, transparent, and participatory framework for zakat-based empowerment.
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References
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