Optimalisasi pengelolaan zakat dan wakaf sebagai instrumen pemberdayaan ekonomi umat: Studi pada bma assalam mpz dompet dhuafa malang
Keywords:
zakat, waqf, economic empowerment, zakat management, BMA AssalamAbstract
Zakat and waqf are Islamic social finance instruments that play an important role in improving community welfare and supporting economic empowerment. This study aims to analyze the optimization of zakat and waqf management at Baitul Maal Assalam (BMA) MPZ Dompet Dhuafa Malang as an instrument for community economic empowerment. This research employed a qualitative method with a descriptive approach. Data were collected through observation, interviews, and documentation, and were analyzed using an interactive analysis model consisting of data reduction, data presentation, and conclusion drawing. The results show that BMA has conducted the collection and utilization of zakat, infaq, sadaqah, and waqf funds through various social and productive programs, such as qardhul hasan financing, educational assistance, and community empowerment activities. The fund management also implements the principles of transparency and accountability to maintain public trust. However, several challenges remain, including limited human resources, suboptimal professionalism of amil, and the limited development of productive waqf. Therefore, strengthening human resource capacity, improving evaluation systems, and developing program innovations are necessary to enhance the effectiveness and sustainability of zakat and waqf management.
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