Dampak program zakat, infak, dan sedekah (ZIS) terhadap pemerataan kesejahteraan masyarakat ekonomi lemah KSPPS Artha Bahana Syariah

Abstract

To ensure low-income communities benefit fairly, this research examines the performance of KSPPS Artha Bahana Syariah's Zakat, Infaq, and Sadaqah (ZIS) program. This study was prompted by inadequate ZIS fund administration in Islamic microfinance organizations in Indonesia, along with the country's high poverty rate. A qualitative descriptive methodology based on a case study approach is used in this research. Information gathering from ZIS program managers and beneficiaries (mustahik) includes in-depth interviews, observation, and documentation. All three steps of data analysis—data reduction, data presentation, and conclusion drawing—follow the Miles and Huberman paradigm. According to the outcomes, the ZIS program is implemented through two primary means: consumptive and productive programs. Social assistance programs under the umbrella of consumption include disaster relief, support for the destitute, people with disabilities, and orphans. At the same time, productive programs help mustahik become more economically independent. These programs include rotating livestock programs and micro-business capital support. Both programs support the community's economic, educational, social, and religious well-being. Nevertheless, problems persist, including insufficient beneficiary data, inefficient monitoring systems, and limited available funds.