Implementation of the East Kalimantan Province BAZNAS Productive Zakat Program in Increasing the Income of Fostered MSMEs

Abstract

This study aims to analyze the implementation of the East Kalimantan Province BAZNAS Productive Zakat Program in increasing the income of fostered MSMEs. MSMEs have an important role in the Indonesian economy but often face capital constraints, so productive zakat is an alternative solution through interest-free financing and business assistance. Using a qualitative method with a descriptive approach, data was collected through observation, interviews, and documentation, and tested for validity by triangulation. The results of the study show that the productive zakat program run through business units such as Z-Auto, Z-Mart, Zakat Community Development (Z-CD), and Z-Chicken has succeeded in increasing the income and independence of mustahik through capital assistance, training, and mentoring. However, the implementation of the program faces technical and managerial obstacles as well as fierce market competition, which BAZNAS overcomes through entrepreneurship training, intensive mentoring, and optimization of digital media for marketing.