Modeling Mustahiq's Household Resilience from an Islamic Microeconomic Perspective

Abstract

Purpose

First, exploring the principles that shape the economic decisions of mustahiq in everyday life. Second, exploring the microeconomic factors that can determine the economic resilience of mustahiq households. Third, designing a model of mustahiq economic resilience from an Islamic microeconomic perspective consisting of calculating mustahiq income through calculating daily consumption. This perspective also includes the dynamics of economic behavior carried out by mustahiq which can later form a mustahiq behavior model.

Design/Methodology/Approach

The approach in this study uses a qualitative approach. This type of research uses phenomenology because this study builds a new model and explores the life experiences of mustahiq households. Informants were selected purposively and data were collected by observing the conditions of mustahiq, conducting in-depth semi-structured interviews and digging through existing documents. Data were analyzed interpretively using Interpretative Phenomenological Analysis (IPA) with the steps of selecting informants, collecting data and analyzing data. Data validity was tested by triangulation of sources, member checks and triangulation techniques.

Findings

The findings of this study state that: First, the principles that shape the economic decisions of mustahiq in everyday life are principles related to material and spiritual needs. It was found that spirituality of values, namely gratitude, trust, contentment and resignation, which prevent mustahiq from changing their status to muzakki. Thus, they still depend on BAZNAS, LAZ and muzakki, as well as government assistance. Second, the microeconomic factors that determine the economic resilience of mustahiq are halal consumption that is halal and thayyibah, not israf and tabdzir, work productivity through capital provided within the framework of productive zakat and halal budget constraints. ThirdThe proposed model design uses the Islamic microeconomic household resilience model, which combines halal budget constraints with the economic behavior of mustahiq (recipients). Research limitations/implications: This study has limitations in terms of methodology and measurement of economic resilience. Therefore, a separate analysis is needed to measure the level of economic resilience within a household.

Practical implications

Practically, the results of this study are expected to contribute to zakat institutions or BAZNAS to become a guide in empowering mustahiq based on households and can provide an appropriate design for mentoring mustahiq households.

Social implications

Socially, this research has an impact on measuring the ability of mustahiq households to meet their needs. Once these measurements are known, it will facilitate the development of a mustahiq empowerment model.

Originality/value

Developing an Islamic Microeconomic Behavior Framework that considers spiritual values ​​as one of the determinants of the mustahiq's economic decisions. Furthermore, this research provides a micro-based household resilience model that integrates economic, social, and spiritual factors.