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The Effect of Qardhul Hasan Financing in Mustahik Revenue Generating A Case of Sejuta Berdaya Program at Al Azhar Peduli Ummat
Radhi Hartono (1) Muji Astuti (2)

Sekolah Tinggi Ilmu Manajemen dan ilmu Komuter (STIMIK) ESQ, Jakarta radhi.hartono95[at]gmail.com mujiastuti[at]esqbs.ac.id


Abstract

Many activities have been developed by the government, institutions, and communities in alleviating poverty. Zakat, as one of the instruments to overcome poverty conducted by Badan Amil Zakat (BAZ) and Lembaga Amil Zakat (LAZ), approximately close to IDR286 trillion or equal to 2.4% of GDP. LAZ Al-Azhar Peduli Ummat designed programs that fit to the vision and mission of prospering the mustahik. One of them is Sejuta Berdaya as part of the economic empowerment by delivering qardhul hasan financing. This research uses descriptive method through quantitative and qualitative approach, using secondary and primary data to strengthen the explanation related to the concept of empowerment. Data collecting technique was elaborated by interview and observation to Kelompok Swadaya Mandiri (KSM) in Mekarjaya, District Pacet, Bandung Regency, West Java. Statistical instruments applied are the correlation test and simple linear regression analysis test. LAZ Al-Azhar Peduli Ummat distributes about 96.15% of the cash receipt directly to the eligible programs. Beside it were statistically showed the contribution of qardhul hasan financing to increase revenue is 14.5%. This study implies that there is effect of financing on the increasing of the mustahik revenue in LAZ Al-Azhar Peduli Ummat at the Sejuta Berdaya program. The suggestion that can be submitted by the author is LAZ Al-Azhar Peduli Ummat needs to maximize the distribution of zakat funds for the purpose to prosper the community through various empowerment programs.

Keywords: Sejuta Berdaya Program, Qardhul Hasan Financing, Mustahik Revenue

Topic: International Conference of Islamic Economic and Financial Inclusion

Link: https://ifory.id/abstract/2hQcTRqBn7F8

Conference: The 3rd International Conference on Sustainability and Innovation (ICoSI 2019)

Plain Format | Corresponding Author (Muji Astuti)

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