Optimizing Productive Zakat: Integrating Literacy, Digitalization, and Economic Empowerment

Mega Nurwahyuni, Abdul Haris

Abstract


Zakat is one of the main instruments in the Islamic financial system, encompassing spiritual, social, and economic dimensions. In the context of the modern economy, zakat is viewed as a strategic mechanism capable of alleviating poverty, reducing social inequality, and promoting community empowerment. This study aims to examine the role of zakat from both micro and macroeconomic perspectives and to identify strategies for optimizing its management through a Systematic Literature Review (SLR) approach. The analyzed articles were sourced from the Scopus, Web of Science, and Google Scholar databases for 2015–2024, with inclusion criteria focusing on reputable scientific publications discussing zakat within an economic framework. The findings reveal that at the micro level, zakat contributes to increasing purchasing power, strengthening microbusiness capital, and facilitating the transformation of mustahik (zakat recipients) into muzakki (zakat payers). At the macro level, zakat reduces poverty rates, reinforces social stability, and enhances household consumption, which in turn supports national economic growth. The main challenges identified include low zakat literacy, limited productive zakat programs, and insufficient transparency and digitalization in zakat management. The implications of this study emphasize that zakat functions not only as a religious obligation but also as an instrument of equitable economic development, making it highly relevant in supporting the achievement of the Sustainable Development Goals (SDGs).

Keywords


Zakat, Islamic Economics, Empowerment, Literature Review, Social Welfare.

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DOI: http://dx.doi.org/10.52155/ijpsat.v54.1.7617

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