International Journal of Zakat

The Effectiveness of Digital Comic Media to Increase Zakat and Waqf Literacy in Generation Z

Ahmad Zaki Haqiqi — 2025-12-18

The declining levels of zakat and waqf literacy among Generation Z pose a challenge to the development of Islamic philanthropy in Indonesia. Conventional educational methods have not been effective in enhancing this generation's understanding of zakat and waqf concepts. Therefore, research is needed to analyze the effectiveness of using digital comics as a strategy to increase zakat and waqf literacy among Generation Z. This study aims to measure the improvement in Generation Z's understanding of zakat and waqf after exposure to digital comics, as well as evaluate the effectiveness of this medium as a learning tool. The research employs an experimental method with pre-test and post-test, involving a sample of 96 Generation Z respondents. The results show a significant increase occurred in zakat and waqf literacy scores, with an average increase of 35.2% from pre-test to post-test. A total of 91.67% of respondents experienced an increase in scores; this finding implies that digital comics have the potential to be an effective medium. However, this finding must be interpreted with caution given the single-group research design used and the measurement focusing only on short-term retention. Further analysis reveals that digital comics are effective in presenting complex information, aligning with Generation Z's preferences, and enhancing learning enthusiasm. This study also demonstrates that the use of digital comics successfully narrows the comprehension gap among respondents, reflecting flexibility towards various initial levels of understanding and different learning styles.

Enhancing Professionalism in Zakat Management Through Islamic Competency-Based Human Resource Management: A Literature Review of Key Competencies for Amil Zakat

Nur Aziz — 2025-12-18

Adequate competencies of zakat officers (amil) significantly impact the overall effectiveness of zakat programs. This study aims to examine the implementation of Islamic Competency-Based Human Resource Management (ICBHRM) in zakat institutions, focusing on identifying key competency dimensions of zakat officers that support professionalism in zakat management. The method employed is a literature review through a systematic analysis of relevant studies from journals, books, and conference papers. Data were collected from academic sources such as Google Scholar and ScienceDirect. The findings suggest that technical, personal, and social competencies serve as the core pillars supporting the professional performance of zakat officers. These competencies play a crucial role in ensuring effective and accountable zakat management. Technical competencies include a deep understanding of zakat jurisprudence, management, and sharia accounting. Meanwhile, personal and social competencies encompass integrity, trustworthiness, and strong interpersonal skills. Zakat officer certification is also considered vital in enhancing the quality of zakat officer performance and the accountability of zakat institutions.This study concludes that implementing ICBHRM in zakat institutions can significantly improve the professionalism and efficiency of zakat management, mainly through applying the core competencies outlined in the Indonesian National Work Competency Standards (SKKNI) and leadership competencies, such as the ability to influence others, develop talent, and provide clear guidance. The discussion of these findings suggests the importance of continuous development through training and certification to ensure zakat officers can compete and adapt to modern management standards without compromising Sharia principles.

The Role of Zakat in Helping Communities : A Study on BAZNAS Scholarship and the Renewal of the BAZNAS-AIU Agreement in Supporting Scholarship Recipients

Tri Hartati — 2025-12-18

This study investigates the role of BAZNAS (Badan Amil Zakat Nasional) scholarship on the personal growth, academic stress and educational outcomes of recipients at AIU (Albukhary International University). A sample of BAZNAS AIU scholarship recipients was analyzed using regression analysis. Data were gathered through surveys, with 52 BAZNAS AIU recipients as respondents. The results showed that mentorship, provided as part of the scholarship program, has a significant positive impact on personal growth, with 12.8% of the variance explained by this factor. Financial support, however, does not have a statistically significant negative effect on academic stress, suggesting that other factors may play a role in managing students' pressures. Additionally, institutional collaboration between BAZNAS and AIU was found to significantly improve educational outcomes, accounting for 33,3% of the variance. The findings reveal that mentorship and institutional collaboration all play significant roles in influencing personal growth and educational outcomes. However, financial support has a negative effect on academic stress, highlighting the need for comprehensive support mechanisms beyond financial aid.

The Influence of Generational Differences on Digital Behavior in Performing Zakat, Infaq, and Sadaqah (ZIS) Using the Theory of Planned Behavior (TPB) Approach

Alma Hilmatunnisa — 2025-12-18

The diversity of methods used to distribute zakat is a new challenge that every institution must face. Generational differences in utilizing online zakat platforms reflect technological advancements. For example, Generation Z tends to trust technology more and feels comfortable with cashless transactions, as evidenced by their dominant presence in online zakat contributions. This study aims to identify the factors influencing generational digital behavior in fulfilling Zakat, Infak, and Sedekah (ZIS) obligations and analyze generational differences in zakat behavior through online and offline channels by examining zakat preferences across generations. Consequently, the most effective strategies to encourage active participation in digital philanthropic activities for each generation can be determined. Using a questionnaire involving 200 respondents from various generations who actively use social media, data collection and analysis were carried out using a simple random sampling technique, the statistical method ANCOVA, and the Theory of Planned Behavior (TPB) to identify factors influencing individuals in paying zakat. The findings indicate that generational differences do not have a significant impact. Based on the ANCOVA test, the p-value for the generational variable was 0.302. Meanwhile, the p-value for the education variable was 0.007, with a sum of squares value of 2.018, indicating that education significantly influences the intensity of paying zakat.

Measuring the Performance of Zakat Management Baitul Mal Aceh Based on Maqashid Sharia Index

Alfia Azzuhra — 2025-12-18

This study aims to measure the performance of zakat management in Baitul Mal Aceh to achieve the goals of Abu Zahrah's sharia maqashid which has three main concepts, namely Tahzib Al-Fard (educating individuals), Iqamat Al-'Adl (upholding justice), and Jalb Al-Mashlahah (creating welfare). The data source used is secondary data from Baitul Mal Aceh's financial statements for the 2021-2023 period using a descriptive quantitative method. The results of the research on the concept of Tahzib Al-Fard (educating individuals) were obtained the highest percentage in 2023 with a ratio of 8%. The highest percentage of Iqamat Al-'Adl (upholding justice) with a value of 156% is in 2021, and finally Jalb Al-Mashlahah (creating welfare) in 2023 reaches the highest percentage of 9%. Overall, the measurement of Baitul Mal Aceh's zakat management performance based on the Maqashid Sharia Index resulted in a percentage of 58% or less good in the 2021-2023 period.

Ecological Economic Transformation in 3T Areas: The Role and Improvement of the BAZNAS Program

Rifqah Najwa Azizah — 2025-12-18

This paper discusses the potential of 3T (Disadvantaged, Outermost, and Frontier) regions and the role of BAZNAS in improving ecological economy programs. This study observes the importance of harmonization between economic development and environmental conservation as a form of ecological economic transformation. Through a descriptive-exploratory qualitative method, this paper shows that the 3T area has sea, forest, and agricultural potential that needs to be mapped first by BAZNAS efficiently and collaboratively so that it has ecological economic value. BAZNAS can play a role with three main programs: first, ecological sustainability, which has the main goal of protecting the environment but still producing something of economic value. Second, environmental productive zakat, which maximizes the results of zakat not only in providing capital and training, but is directed to the circular economy. Third, the blue BAZNAS program focuses on empowering coastal communities for marine products and preventing pollution of marine ecosystems. This research contributes to transforming the BAZNAS program in the economic sector, optimizing the natural potential of the 3T area through resource mapping, and the implementation of three ecological economy programs that can realize community welfare while maintaining environmental sustainability.

The Role of Productive Zakat in Improving the Welfare of Mustahik in Indonesia

Ahmad Abdul Gofur — 2025-12-18

The distribution of consumptive zakat often yields only short-term benefits, failing to provide a sustainable solution for poverty alleviation efforts, including in Indonesia. In response, the concept of productive zakat has emerged, aiming to transform mustahik (zakat recipients) into muzakki (zakat payers) through capital support or business facilitation. However, limited research has explored the role of productive zakat in enhancing the welfare of mustahik, particularly at the national level. This study aims to identify the factors affecting in increasing in income among mustahik receiving productive zakat in Indonesia. Utilizing secondary data from BAZNAS covering 1,631 mustahik, this research employs a logistic regression model to address the research question. The dependent variable is the increase in mustahik income, while the independent variables include the amount of zakat assistance, frequency of zakat distribution, regional grouping, and the provision of training and mentoring. Control variables include the number of family members, gender, age, education, and prior business ownership. The results indicate that the amount of zakat assistance, the provision of training and mentoring, being female, being of productive age, and having owned a business prior to the zakat intervention have a positive effect on income growth among mustahik. In contrast, the frequency of zakat provision, regional group, number of family members, and education level do not have a significant effect on mustahik income. Based on these findings, zakat institutions are encouraged to increase the allocation of productive zakat to support new or existing small enterprises, accompanied by training and mentoring programs tailored to the demographic characteristics of the mustahik. This approach provides insight to enhance the effectiveness of productive zakat programs in improving the welfare of recipients as well as contribute to the academic literature on the role of zakat in poverty alleviation.

The Effect of Macroeconomics on the Receipt of Zakat, Infaq, and Shadaqah at BAZNAS Central for 2015-2024 Period

Noer Resky Juliarty — 2025-12-18

In recent years, Indonesia's economy has grown steadily, supported by strong household purchasing power and stable investment. However, this stability was disrupted with the emergence of the COVID-19 pandemic in early 2020. This study aims to analyze the effect of macroeconomic variables on the collection of zakat, infaq, and sadaqah at BAZNAS Central during the 2015–2024 period. The research use secondary quarterly time-series data from 2015 to 2024. The analysis is conducted using descriptive analysis combined with the Autoregressive Distributed Lag (ARDL) method. The results show more clearly that GDP consistently exerts a positive and significant influence on zakat as well as infaq and shadaqah receipts in both the short and long run, confirming the central role of economic growth in strengthening Islamic philanthropic capacity. Meanwhile, the Consumer Price Index (CPI), as a proxy for inflation, and the BI Rate were not proven to significantly affect infaq and shadaqah receipts; however, CPI demonstrates a positive long-run effect on zakat, and the BI Rate shows a negative but weak influence, indicating limited monetary policy transmission to ZIS behavior. The impact of the COVID-19 pandemic was found to be significantly negative for zakat receipts, but relatively insignificant for infaq and shadaqah. Furthermore, digitalization at BAZNAS is shown to significantly increase ZIS collection, underscoring the growing role of technological adoption in expanding accessibility and strengthening fundraising performance. Overall, these findings highlight the need for macroeconomic stability and continuous digital transformation to optimize ZIS mobilization.