The Impact of Z-Mart BAZNAS Program on Community Welfare Enhancement

Abstract

The number of people living under poverty in Indonesia in 2017 is 38.4 million. There are many factors contributing to cause poverty, including economic factors. Low income causes them to be unable to fulfill daily needs. One of the instruments that can be used to overcome poverty and empower people is zakat. Utilization of Zakat funds and infaq for productive enterprises is one of the important and strategic agenda in economic empowerment. BAZNAS through the Lembaga Pemberdayaan Ekonomi Mustahik (Eng: the organization of beneficiary economical empowerment; abv. LPEM) encourages the strengthening of mustahik (Eng: beneficiary of zakat) economy through strengthening retail businesses in the form of stalls or called Z-Mart. This program intensively carries out coaching and mentoring so that the businesses run by the beneficiaries could run progressively. The target of this program is to encourage mustahik to transform into muzaki (Eng: zakat giver) with the standard had kifayah and SDGs in the 1st Goal (No Poverty) to reduce poverty. The purpose of this study was to observe the impact of the Z-Mart Program on improving the economy of the poor. This research was conducted in May 2019 in Bandung Region. The sample of this study were 21 Z-Mart Program Beneficiaries. Data was collected by in-depth interviews and Focus Group Discussion (FGD) methods. The measurement of the impact of the Z-Mart program is carried out using the Social Return on Investment (SROI) method suggested by the SROI UK Network (Social Value International). The results showed that overall, since the implementation of the Z-Mart program, the SROI value was 0.91. This means that during 1 year of the program, every IDR 1 invested has benefit of IDR 0.91. This value shows that socially to return the value invested in the Z-Mart program takes more than 1 year. Nevertheless, the results of the study show that the Z-Mart program has succeeded in increasing Mustahik's welfare through increased income, decreased moneylender practices, and increased social attitudes with infaq (Eng: the practice of giving) and alms practices.

Indonesian Economic Recovery after COVID-19 Pandemic: Qur'anic Paradigm in Community Economic Development

“…Social resilience is generated through a community approach based on the basic culture of Indonesian society that has the spirit of gotong royong (Simarmata et al, 2020). The economic concept of Pancasila, which is based on cultural values and the nation's ideology, is in harmony with the basis of the religiosity of the Indonesian people who believe in God Almighty (Srinovita et al, 2019). However, this research differs from the concept of community-based economic strengthening (Al-Attar, 2017;Ridwan, 2012).…”

“…This article focuses its study on Indonesia's economic recovery policies that use an individual approach, not a collective approach. This individual approach is different from the way partnership works as the 17th Goal of the SDGs (Sustainable Development Goals) (Rassanjani, 2018;Christ & Burritt, 2019;Srinovita et al, 2019). On the cultural side of the religious Indonesian people, gotong royong is also a force for development (Hodriani et al, 2019;Simarmata et al, 2020).…”

Pengelolaan ZIS Sebagai Upaya Meningkatkan Kesejahteraan Masyarakat (Studi Pada Baznas Kabupaten Jombang)

“…Dana ZIS mendukung program pembangunan negara seperti pengembangan UMKM (Maulana & Fikriyah, 2020) Hadirnya bisnis ritel merupakan intervensi yang relevan di perkotaan mengingat kebutuhan dapat terpenuhi oleh bisnis ritel berupa warung. Namun bisnis warung bagi orang miskin terancam tergantikan oleh minimarket modern, maka lembaga pemberdayaan ekonomi mustahik penguatan dengan program Zmart sebagai pengembangan toko ritel (Srinovita & Kuswandi, 2019) Baznas Jombang mendukung dengan adanya program Zmart, maka dalam meningkatkan kesejahteraan dibidang ekonomi, Baznas Jombang bekerja sama dengan LPEM pusat untuk melaksanakan program ini, manakala program Zmart baru pertama kali di didirikan di Jawa Timur yang bertepatan di Baznas Jombang, bentuk bantuan ini berupa bantuan produktif dengan memberi modal kepada usaha mikro kecil. Dari hasil wawancara oleh penerima ditemukan adanya perubahan sesudah dan sebelum adanya bantuan ini.…”

The Impact of BAZNAS Empowerment Program on MSMES in South Kalimantan Province

“…In another study, it was stated that zakat empowerment programs have an influence on mustahik conditions such as increasing income and reducing the increase in loan sharks, fostering sharing attitudes and practices and fostering togetherness attitudes and practices in Bandung [7] Therefore, this study focuses on seeing how the impact of the BAZNAS Empowerment Program for MSMEs in South Kalimantan Province is.…”