Kontribusi Bank Syariah dalam Pemberdayaan Ekonomi Berbasis Zakat, Infak, dan Sedekah (ZIS).
DOI:
https://doi.org/10.14421/jies.2025.6.2.%25pKeywords:
Produk Pegadaian Syariah, ZIS, EconomicsAbstract
This study aims to analyze the contribution of Islamic banks in empowering the economy based on zakat, infaq, and sadaqah (ZIS) through the collection, management, and productive use of funds. The method used is descriptive qualitative with a literature study approach, covering scientific journals, BAZNAS reports, and the Annual Report of Bank Syariah Indonesia (BSI). The results show that Islamic banks made a significant contribution by increasing ZIS fund collection in 2024, distributing Rp 286.62 million in productive zakat, and implementing empowerment programs such as providing micro-business capital, business assistance, and capacity building training involving BAZNAS, BCA Syariah, and micropreneur mustahik. These programs have an impact on improving the competence, income, and economic independence of mustahik. This study concludes that the contribution of Islamic banks is not only financial but also transformative through capacity building and business sustainability, thereby improving the economic welfare of the community in a sustainable manner.
References
Adekantari, S. (2024). Peran Bank Bsi Dalam Meningkatkan Perekonomian Umkm . Al-Bayan: Jurnal Hukum Dan Ekonomi Islam .
Ali, M. (2021). Zakat Dan Pembangunan Ekonomi: Teori Dan Praktik. Jakarta: Pustaka Ekonomi.
Divana Dwi Astuti, F. L. (2024). Analisis Laporan Keuangan Dana Zakat Infak Sedekah (Zis) Berdasarkan Pernyataan Standar Akuntansi Syariah (Psak) 109 Pada Bank Syariah Indonesia . Jurnal Mahasiswa Akuntansi.
Emerald Mayaputra, W. H. (2024). Program Pendampingan Umkm Nasabah Btpn Syariah Untuk Meningkatkan Kapasitas Pengetahuan Dan Keterampilan Dalam Berwirausaha. Jurnal Padma Jurnal Pengabdian Kepada Masyarakat .
Eni Devi Anjelina, R. S. (2020). The Role Of Zakat, Infaq And Sadaqah In Improving Community Economic Welfare. Jihbiz: Jurnal Ekonomi, Keuangan Dan Perbankan Syariah.
Fauziah, S. (2021). Optimalisasi Fungsi Dan Kedudukan Bank Syariah Dalam Upaya Mewujudkan Integrasi Keuangan Komersial Dan Sosial Islam . Justisia Ekonomika : Jurnal Magister Hukum Ekonomi Syariah .
Fikriyah Muhtadin, N. N. (2020). Peran Bank Rakyat Indonesia Syariah Kcpalu Wolter Monginsidi Dalam Penghimpunan Dana Zakat Infak Dan Shadaqah Di Kota Palu. Urnal Ilmu Perbankan Dan Keuangan Syariah.
Hamdi Agustin, A. (2022). Sejarah Praktek Perbankan Syariah. Jurnal Tabarru’ : Islamic Banking And Finance.
Hidayat, M. (2021). Pentingnya Teknologi Dalam Pengelolaan Zakat Di Era Digital. Jakarta: Al-Hikam Press
Irwanda Ardhi Wijaya, D. S. (2023). Peran Bank Syariah Dalam Penghimpunan Dan Distribusi Zakat Kepada Mustahik. Maras: Jurnal Penelitian Multidisplin .
Maimory, A. A. (2018). Sejarah Lahirnya Bank Syariah Serta Praktek Di Dunia Perbankan. Jurnal Pahlawan .
Muhith, A. (2012). Sejarah Perbankan Syariah. Attanwir: Jurnal Kajian Keislaman Dan Pendidikan .
Muliana, M. S. (2022). Analisis Penghimpunan Dana Zis (Zakat Infaq Sedeka) Berbasis Digital: Studi Kasus (Laznas Nurul Hayat Cabang Medan. Peshum: Jurnal Pendidikan, Sosial Dan Humaniora.
Nurdiansyah, N. Y. (2025). Integrasi Etika Bisnis Dalam Ekonomi Global: Tantangan Dan Strategi Implementasinya. Jurnal Agama Dan Sosial Humaniora.
Nurnasrina, P. A. (2021). Penguatan Bank Syariah Sebagai Amil Zakat. Yogyakarta: Kalimedia.
Rukmana, S. A. (2024). Peran Bank Bsi Dalam Meningkatkan Perekonomian Umkm. Al-Bayan: Jurnal Hukum Dan Ekonomi Islam .
Suhartono, S. T. (2024). Hubungan Antara Zakat, Infak Dan Sedekah Dengan Nilai-Nilai Sosial Masyarakat. Al I’tibar: Jurnal Pendidikan Islam .
Suryana, L. (2020). Evaluasi Program Pemberdayaan Ekonomi Melalui Zakat, Infaq, Dan Sedekah. Lembaga Pengembangan Ekonomi
Suryani. (2012). Sistem Perbankan Islam Di Indonesia: Sejarah Dan Prospek Pengembangan. Jurnal Muqtasid.
Wijayanto, B. (2023). Islamic World View : Perbandingan Ekonomi Islam Dan Ekonomi Konvensional. Multidiciplinary Journal Of Islamic Studies.
Zikraain, N. (2019). Mekanisme Penyaluran Dana Zakat, Infak Dan Sedekah Pada Bank Syariah Mandiri Kcp Kota Palopo.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 ACH ACHMAD
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1.Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a 