Model Pendistribusian Zakat Mal Produktif Berbasis UPZ Desa Matangaji sebagai Instrumen Pemberdayaan Ekonomi dan Pengentasan Kemiskinan

Abstract

This article analyzes and formulates a model for the distribution of productive zakat mal (obligatory alms on wealth) managed by the Unit Pengumpul Zakat (UPZ—Zakat Collection Unit) in Matangaji Village, Cirebon Regency, serving as an instrument for economic empowerment and poverty alleviation. The study employs a qualitative field research approach, utilizing an interactive analysis model. Informants—selected through purposive sampling include UPZ administrators, mustahik (zakat recipients) who received productive zakat, community leaders, village government officials, and business mentors. The findings indicate that the distribution of productive zakat by the Matangaji Village UPZ follows an interconnected series of stages: collecting zakat based on social proximity; selecting mustahik by balancing sharia requirements with business viability; allocating capital tailored to the specific type of enterprise; providing intensive mentoring; conducting periodic monitoring; and evaluating economic success. The implementation of this program has contributed to the growth of the mustahik's businesses and incomes, although a full transition to the status of muzaki (zakat payers) has yet to occur on a significant scale. This article proposes a conceptual model for the distribution of productive zakat through village-level UPZs, offering both a theoretical contribution and a practical reference for replication in other villages.