A research team from Institut Ummul Quro Al-Islami Bogor consisting of Moh. Asep Zakariya Ansori, Jamaludin, Idris Apandi, Sinsin Susilawati, Siti Mutia Rahmawati, and Asep Ahmad Subur published a significant study in July 2026 regarding the revitalization of productive zakat and cash waqf as Islamic social finance instruments for structural poverty alleviation. This publication is crucial amid modern economic dynamics because it offers a philanthropic integration framework capable of transforming short-term charitable aid into sustainable economic empowerment.
Poverty in the modern era is no longer understood merely as a lack of basic needs, but as a multidimensional structural problem such as economic inequality and limited access to productive resources. Unfortunately, various poverty alleviation policies often rely solely on consumptive social assistance. On the other hand, the vast potential of zakat and waqf is often constrained by traditional paradigms where zakat is considered only for instant consumptive needs and waqf is fixed on immovable assets such as land or buildings.
To dissect this issue, the researchers used a qualitative library study approach. This method focuses on in-depth analysis of scientific literature, Islamic legal sources, fatwas of the National Sharia Council, and various contemporary literatures regarding Islamic social finance governance.
Based on literature analysis and contemporary fiqh, this study outlines several main findings:
- Productive zakat functions effectively as working capital to stop structural poverty and build the economic independence of aid recipients (mustahiq).
- Cash waqf provides high liquidity flexibility which serves as the foundation for long-term microfinance for underprivileged communities.
- Contemporary fiqh provides a solid shari'i foundation through the principle of maqasid al-shariah, where physical asset requirements are replaced with the protection of monetary nominal value for public benefit and property protection (hifz al-mal).
- Institutional synergy between productive zakat as initial capital (starter kit) and cash waqf as a long-term liquidity guardian is able to accelerate the transformation of community status from mustahiq to zakat payers (muzakki).
The integration of these two Islamic philanthropic instruments brings a major impact on micro-enterprises, zakat-waqf management institutions, and public policy formulation. The research team from Institut Ummul Quro Al-Islami Bogor emphasized that this social financial governance collaboration is capable of creating an inclusive, sustainable poverty alleviation ecosystem that aligns with the objective goals of Islamic law in realizing public welfare.
Brief Author Profiles
- Moh. Asep Zakariya Ansori – Researcher and academic at Institut Ummul Quro Al-Islami Bogor focusing on Islamic economic and social finance studies.
- Jamaludin – Researcher and academic at Institut Ummul Quro Al-Islami Bogor with expertise in sharia and community empowerment.
- Idris Apandi – Researcher and academic at Institut Ummul Quro Al-Islami Bogor actively studying social and Islamic issues.
- Sinsin Susilawati – Researcher and academic at Institut Ummul Quro Al-Islami Bogor in the field of contemporary Islamic studies.
- Siti Mutia Rahmawati – Researcher and academic at Institut Ummul Quro Al-Islami Bogor exploring Islamic philanthropy studies.
- Asep Ahmad Subur – Researcher and academic at Institut Ummul Quro Al-Islami Bogor with expertise in sharia economic law.
Research Sources
- Article Title: Revitalization of Productive Zakat and Cash Waqf Instruments: A Contemporary Fiqh Perspective on Modern Poverty Alleviation
- Journal Name: International Journal of Education and Life Sciences (IJELS), Vol. 4, No. 7
- Publication Year: July 2026
- DOI:
https://doi.org/10.59890/ijels.v4i7.49 - URL:
https://ntlmultitechpublisher.my.id/index.php/ijels
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