PRODUCTIVE ZAKAT, INFORMATION TECHNOLOGY, AND MUSTAHIQ EMPOWERMENT: THE MODERATING ROLE OF ENTREPRENEURIAL MOTIVATION

Wiwin Sultraeni, Nasruddin Suyuti, Dian Mayafaty Rauf, Ilham Akbar Garusu, Ahmad Hamid

Abstract


mustahiq empowerment as well as investigates the moderating effect of entrepreneurial motivation on mustahiq of the National Amil Zakat Agency (BAZNAS) in Kendari. An explanatory sequential mixed-method approach was used in the study. For the quantitative part, a survey was conducted among 110 mustahiq who were engaged in productive zakat programs for the year 2024–2025. Data analysis was performed by using Partial Least Squares Structural Equation Modeling (PLS-SEM) technique and SmartPLS. It is revealed that productive zakat and information technology have significant positive impacts on mustahiq empowerment, direct and indirect through entrepreneurial motivation. Besides, entrepreneurial motivation increases the positive influence of productive zakat and information technology on empowerment. In order to add more qualitative depth to the findings of the quantitative study, ten mustahiq were selected on purposeful sampling basis and interviewed. The interview results indicate that productive zakat helps in gaining business confidence and sustainability while information technology broadens market reach and improves efficiency in operations. Entrepreneurial motivation proves to be a vital driver that transforms financial and technological help into empowerment through making people resilient, confident, and entrepreneurial.

Keywords


Productive Zakat; Information Technology; Entrepreneurial Motivation; Mustahiq Empowerment; Mixed Methods

Full Text:

PDF

References


Adawiyah, R., Akbar, D. A., & Africano, F. (2020). The Effect Of Management And Utilization Of Productive Zakat Towards Mustahiq Empowerment. IJBE: International Journal of Business Economics, 2(1), 39–51. https://doi.org/10.30596/ijbe.v2i1.4960

Afandi, M. Y. (2023). Analyzing The Impact Of Digital Transformation In Islamic Philanthropy Using UTAUT Model. Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies, 19(2), 317–337. https://doi.org/10.18196/afkaruna.v19i2.16086

Akbar, Y. F., Sukarno, H., & Masruroh, N. (2024). Measuring The Poverty Of Productive Zakat Mustahik Using The CIBEST Model. Ekonomika Syariah: Journal of Economic Studies, 8(2), 176–191. https://doi.org/10.30983/es.v8i2.8194

Alam, A., Sari, D., & Hakim, L. (2022). The Impact Of Productive Zakat Program On The Economy Of Zakat Recipients: Study in Baznas Surakarta. JIEFeS: Journal of Islamic Economics and Finance Studies, 3(2), 88–101. https://doi.org/10.47700/jiefes.v3i2.4774

Al-Taani, A. H. M., Al-Zaqeba, M., Maabreh, H., & Jarah, B. (2024). Exploring The Impact Of Digital Accounting And Digital Zakat On Improving Business Sustainability In The Middle East and Malaysia. International Journal of Advanced And Applied Sciences. https://doi.org/10.21833/ijaas.2024.01.007

Amran, E. (2022). The Role Of Entrepreneurship Intention As A Mediation Between Productive Zakat And Mustahiq’s Welfare In Bekasi. International Journal of Business, Economics & Management, 5(4), https://doi.org/10.21744/ijbem.v5n4.1971

Aslami, N., Syukri, M., Nasution, A., & Lubis, F. A. (2025). Islamic Performance Index For Mustahiq Empowerment By Zakat Collection Institution. IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, 14(1), 136–156. https://doi.org/10.46367/iqtishaduna.v14i1.2365

Asya, N., Afifa, U. N., Widiastuti, T., Mawardi, I., & Soleh, M. (2025). Analysis Of The Impact Of Zakat Fund Distribution On Mustahik Productivity In Indonesia. RISFE: Review of Islamic Social Finance and Entrepreneurship, 4(2), 177–195. https://doi.org/10.20885/RISFE.vol4.iss2.art7

Azid, T., & Ward-Batts, J. L. (2020). Economic Empowerment Of Women In The Islamic World: Theory And Practice. In Advances in Research on Islamic Economics and Finance. World Scientific Publishing Co. Pte. Ltd. https://doi.org/10.1142/11603

BAZNAS. (2024). Laporan Pengelolaan Zakat Nasional Akhir Tahun 2024. Badan Amil Zakat Nasional. https://baznas.go.id/assets/images/szn/LPZ Nasional Akhir Tahun 2024.pdf

Djaali, H. (2020). Metodologi penelitian kuantitatif. Jakarta: PT Bumi Aksara.

Ephrem, A. N., Martin, P., Nguezet, D., Charmant, I. K., Murimbika, M., Awotide, B. A., Tahirou, A., Lydie, M. N., & Manyong, V. (2021). Entrepreneurial Motivation, Psychological Capital, And Business Success Of Young Entrepreneurs In The DRC. Sustainability (Switzerland), 13(8), 1–22. https://doi.org/10.3390/su13084087

Fazal, S. A., Mamun, A. Al, Alshebami, A. S., Muniady, R., Ali, M. H., Samer, S., Al, A., Handhal, S., Marri, A., Hamoud, A., Seraj, A., & Thomran, M. (2022). Entrepreneurial Motivation, Competency And Micro-Enterprise Sustainability Performance: Evidence From An Emerging Economy. Sustainability (Switzerland), 14(19), 1–20. https://doi.org/10.3390/su141912615

Fernandez, V. (2025). Purpose-Driven Entrepreneurship And Innovation: The Moderating Effect Of Altruism. Sustainable Futures, 10(May), 100838. https://doi.org/10.1016/j.sftr.2025.100838

Fitriani, F., Wahab, A., & Herianingrum, S. (2025). Does Zakat As An Islamic Social Finance Instrument, Maintain Public Purchasing Power? Airlangga International Journal of Islamic Economics and Finance, 8(02), 100–122. https://doi.org/10.20473/aijief.v8i02.71229

Hair, J. ., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). An Introduction To Partial Least Squares Structural Equation Modeling (PLS-SEM) using R. Springer, Cham. https://doi.org/10.1007/978-3-030-80519-7_1

Harun, N. bin, Royali, S. binti A., Tamrin, M. binti, Badarudin, I. bin M., Ilyas, I. Y. binti, Ahmad, N. H. binti, & Munahar, M. M. (2024). The Relationship Between Digital Technology And Business Innovation Model Among Asnafpreneurs In Malaysia. Information Management and Business Review, 16(1), 147–156. https://doi.org/10.22610/imbr.v16i1(I).3678

Hidayat, M., Shadam, M., & Azka, T. (2024). Can Productive Zakat, Entrepreneurial Experience, and Information Technology Drive MSME and SME Performance? A Case Study of BAZNAS Sleman Regency. Bulletin of Islamic Economics. https://doi.org/10.14421/bie.2024.031-04

Huang, T. C., Wang, Y. J., & Lai, H. M. (2022). What Drives Internet Entrepreneurial Intention To Use Technology Products? An Investigation Of Technology Product Imagination Disposition, Social Support, And Motivation. Frontiers in Psychology, 13(March), 1–13. https://doi.org/10.3389/fpsyg.2022.829256

Jamal, H., Suryadi, S., & Turasih, T. (2023). Understanding Productive Zakat Distribution Program Approach In Indonesia: Study From Baznas Kuningan Regency. Ijtimaiyya: Jurnal Pengembangan Masyarakat Islam, 16(1), 17–43. https://doi.org/10.24042/ijpmi.v16i1.15882

Jamal, H., & Turasih, T. (2022). Mustahik’s Participation Model In The Productive Zakat Fund Distribution Program. Prosperity: Journal of Society and Empowerment, 2(2), 86–99. https://doi.org/10.21580/prosperity.2022.2.2.12476

Jamaludin, J., Wijana, M., Nasution, A. I., & Jalaluddin, J. (2025a). The Implementation Of Digital Productive Zakat Management Strategy At Musa’adatul Ummah. Jasa (Jurnal Akuntansi, Audit Dan Sistem Informasi Akuntansi). https://doi.org/10.36555/jasa.v9i2.2900

Kuswanto, K., Maemunah, M., & Refnida, R. (2020). Do Experiences And Entrepreneur Motivation Influence Success And Failure Students’ Business? Jurnal Pendidikan Ekonomi Dan Bisnis, 8(2), 111–118. https://doi.org/10.21009/JPEB.008.2.3

Laily, A. N. R., Noor, I., & Ekawaty, M. (2025). From Poverty Alleviation To Economic Empowerment: The Economic Impact Of Zakat-Based Mustahik Programs In Indonesia. JIAE: Journal of Indonesian Applied Economics, 13(1), 31–48. https://doi.org/10.21776/ub.jiae.2025.013.01.3

Makhrus, M., Hasan, I., Eko, S., & Santoso, B. (2024). Islamic Philanthropy And Social Services In Improving Community Welfare In Indonesia. Islamic Economics Journal, 10(2), 150–162. https://doi.org/10.21111/iej.v10i2.10930

Martini, I. A. O., Sari, D. M. F. P., Sarmawa, I. W. G., Qomariah, N., & Ridwan, W. (2024). Mediation Of Entrepreneurial Motivation: The Role Of Entrepreneur Learning, Self-Efficacy, And Family Environment In Increasing Interest In Entrepreneurship. Jurnal Aplikasi Manajemen, 22(2), 294–311. https://doi.org/10.21776/ub.jam.2024.022.02.02

Mawardi, I., Widiastuti, T., Mustofa, M. U. Al, & Hakimi, F. (2022). Analyzing The Impact Of Productive Zakat On The Welfare Of Zakat Recipients. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/jiabr-05-2021-0145

Mawardi, I., Widiastuti, T., Al-Mustofa, M. U., & Hakimi, F. (2023). Analyzing The Impact Of Productive Zakat On The Welfare Of Zakat Recipients. Journal of Islamic Accounting and Business Research, 14(1), 118–140. https://doi.org/10.1108/JIABR-05-2021-0145

Mubarak, D., Hakimi, M., Shafiai, M., Wahid, H., & Anuar, A. (2022). Covid-19 Impact On Technology Usage: An Empirical Evidence From Indonesia Zakat Institutions. AJIM: Asian Journal of Islamic Management, 4(1), 25–42. https://doi.org/10.20885/AJIM.vol4.iss1.art3

Muqorobin, A., Ussholihah, M., Kabir, M., Aliyu, S., & Contemporary, “a. (2025). Empowering Mustahiq Through Productive Zakat. Invest Journal of Sharia & Economic Law. https://doi.org/10.21154/invest.v5i2.10439

Mustofa, U. A., & Novita, R. (2022). Productive Zakat As Economic Empowerment Mustahiq Amil Zakat Institute Daarut Tauhid Peduli Lampung. Az-Zarqa: Jurnal Hukum Bisnis Islam, 14(2), 197–219. https://doi.org/10.14421/azzarqa.v14i2.2411

Mutamimah, M., Alifah, S., Gunawan, G., & Adnjani, M. D. (2021). ICT-Based Collaborative Framework For Improving The Performance Of Zakat Management Organisations In Indonesia. Journal of Islamic Accounting and Business Research, 12(6), 887–903. https://doi.org/10.1108/JIABR-05-2020-0154

Muttaqin, Z., & Nasir, M. D. A. (2024). Can zakat Contribute To Achieving Sustainable Development Goals? A Case Study On Java Island, Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan, 11(1), 35–53. https://doi.org/10.20473/vol11iss20241pp35-53

Neumeyer, X., Santos, S. C., & Morris, M. H. (2021). Overcoming Barriers To Technology Adoption When Fostering Entrepreneurship Among The Poor: The Role Of Technology And Digital Literacy. IEEE Transactions on Engineering Management, 68(6), 1605–1618. https://doi.org/10.1109/TEM.2020.2989740

Nurwahidin, N., Islami, D. G., Salma, R. F., & Suyurno, S. (2024). Productive Zakat And Economic Empowerment: Impact On Mustahiq Income At Darul Ilmi Islamic School. Mu’amalah: Jurnal Hukum Ekonomi Syariah. https://doi.org/10.32332/muamalah.v3i1.8848

Nuryahya, E., Mahri, A. J. W., Nurasyiah, A., & Adiresuty, F. (2022). Technology Acceptance Of Zakat Payment Platform: An Analysis Of Modified Of Unified Theory Of Acceptance And Use Of Technology. Al-Uqud: Journal of Islamic Economics, 6(1), 142–159. https://doi.org/10.26740/aluqud.v6n1.p142-159

Oktafia, E., & Kusumastut, R. (2021). The Effect Of Entrepreneurial Motivation On The Business Growth Of Indigenous Enterprises In Gunungkidul District. MIMBAR: Jurnal Sosial Dan Pembangunan, 37(2), 442–453. https://doi.org/10.29313/mimbar.v37i2.8374

Prameswari, L. B., & Yumna, M. (2025). Indonesia Eyes Rp327T Zakat Potential To Fight Poverty. Antara News. https://en.antaranews.com/news/376225/indonesia-eyes-rp327t-zakat-potential-to-fight-poverty

Rahadi, D. R. (2023). Pengantar Partial Least Squares Structural Equation Model (PLS-SEM). Lentera Ilmu Madani.

Santoso, I. R., Mallongi, S., Siradjuddin, S., & Paly, M. B. (2024). Mediating Effects Of Islamic Business Success On Productive Zakat And Mustahiq Welfare. International Journal of Business and Society, 25(1), 111–127. https://doi.org/10.33736/ijbs.6903.2024

Simbolon, S. E. A., & Afdawaiza, A. (2023). Analysis Of The Mediating Effect Of Micro Business Growth On Productive Zakat Utilization, Information Technology, And Mustahiq’s Welfare. Global Review of Islamic Economics and Business, 11(2), 51–71. https://doi.org/10.14421/grieb.2023.112-05

Solórzano, S. S. S., Romero, J. M. P., Cueva, J. G. D., Montero, J. E. A., Zamora Campoverde, M. A., Lozzelli Valarezo, M. M., Montes Ninaquispe, J. C., Acosta Enriquez, B. G., & Arbulú Ballesteros, M. A. (2024). Acceptance Of Artificial Intelligence And Its Effect On Entrepreneurial Intention In Foreign Trade Students: A Mirror Analysis. Journal of Innovation and Entrepreneurship, 13(1), 1–20. https://doi.org/10.1186/s13731-024-00412-5

Sutrisno, S., & Hakimi, F. (2026). Zakat Empowerment Model To Increase Income Generating Activities Among Mustahik. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 7(1), 271–280. https://doi.org/10.47467/elmal.v7i1.10502

Utami, P., Basrowi, B., & Nasor, M. (2021). Innovations In The Management Of Zakat To Increase Entrepreneurial Interest And Poverty Reduction In Indonesia. IJISH: International Journal of Islamic Studies and Humanities, 4(1), 1–19. https://doi.org/10.26555/ijish.v4i1.1960

Wahyundaru, S. D., & Muthaher, O. (2023). The Determinant Interest To Pay Zakat, Trust And Motivation As Mediation. International Journal of Multicultural and Multireligious Understanding, 10(2), 588–602. https://doi.org/10.18415/ijmmu.v10i2.4583

Widiastuti, T., Auwalin, I., Rani, L. N., & Mawardi, I. (2021). Does Zakat And Non-Zakat Empowerment Mustahiq Welfare Based On Maqashid Shariah? Al-Uqud: Journal of Islamic Economics, 5(1), 76–96. https://doi.org/10.26740/al-uqud.v5n1.p76-96

Widiastuti, T., Auwalin, I., Rani, L. N., & Mustofa, Mu. U. Al. (2021). A Mediating Effect Of Business Growth On Zakat Empowerment Program And Mustahiq’s Welfare. Cogent Business & Management, 8(1), 1882039. https://doi.org/10.1080/23311975.2021.1882039

Woyo, E., Venganai, H., & Leung, X. Y. (2025). Empowerment Typologies Of Female Entrepreneurs In Zimbabwe: Overcoming Socio-Economic Challenges. Journal of Place Management and Development, 18(2), 137–162. https://doi.org/10.1108/JPMD-05-2024-0042

Wulandari, N. A., Khoiri, F. A., Rafikasari, E. F., & Chotimah, C. (2025). Zakat Payment Antecedents Via Digital Platform. International Journal of Zakat, 10(2), 34–42. https://doi.org/10.37706/ijaz.v10i2.696

Zamroni, M. A., Toha, M., Zuana, M. M. M., & Isbahi, M. B. (2023). Exploring Zakat Distribution Via Blockchain In Indonesia Perspective Of Maslahah Mursalah Wahbah Zuhaili. IIIJSE: Indonesian Interdisciplinary Economics Journal of Sharia Economics, 6(3), 3544–3555. https://doi.org/10.31538/iijse.v7i3.5821




DOI: https://doi.org/10.18860/ed.v14i1.40818

Refbacks

  • There are currently no refbacks.


Bookmark and Share


Editorial Office:
Megawati Soekarnoputri Building
Faculty of Economics
E-mail: eldinar@uin-malang.ac.id
Universitas Islam Negeri Maulana Malik Ibrahim Malang

E-ISSN 2622-0083

Creative Commons License
El Dinar under a CC BY SA 4.0 International License.

Member of:

Crossref Aljebi

Indexed By:

DOAJDimensionsMoraref Garuda Google Scholar Road ISSN IOS OneSearch


View My Stats

Flag Counter