The Contribution of Zakat, Infaq, and Waqf to Improving Social Mobility and Economic Equality in Indonesia
DOI:
https://doi.org/10.24252/iqtisaduna.v11i2.62580Keywords:
Zakat, Infaq, Waqf, Social Mobility, Economic EqualityAbstract
Economic inequality remains a major challenge in Indonesia, with the Gini Ratio reaching 0.375 in March 2025. From an Islamic economic perspective, social justice and equitable welfare can be strengthened through zakat, infaq, and wakaf (ZISWAF) as instruments of wealth redistribution and community economic empowerment. This study analyzes the contribution of ZISWAF to enhancing social mobility and reducing inequality in Indonesia. Based on data from BAZNAS and the Ministry of Religious Affairs, ZISWAF realization in 2024 reached IDR 40.509 trillion and benefited more than 33.9 million people. ZISWAF plays a significant role in poverty reduction, micro-business empowerment, and access to education and health services, thereby improving community economic independence. The study concludes that optimizing professional and transparent ZISWAF management is a strategic instrument for promoting inclusive and equitable economic development in Indonesia.
Downloads
References
Adha, H. N., & Wantini, W. (2024). Revitalisasi Adversity Quotient Berbasis Pendidikan Nilai Karakter dalam Pendidikan Islam. Edukatif: Jurnal Ilmu Pendidikan, 6(1), 1032–1041. https://doi.org/10.31004/edukatif.v6i1.6226
Anjelina, E. D., Salsabila, R., & Fitriyanti, D. A. (2020). Peranan Zakat, Infak dan Sedekah dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat. Jihbiz Jurnal Ekonomi Keuangan dan Perbankan Syariah, 4(2), 136–147. https://doi.org/10.33379/jihbiz.v4i2.859
Aulia, N. K., Ndaruhadi, L. Z., Rachman, D. A., & Karimah, D. A. (2025). Pengaruh Zakat, Infak, Sedekah, dan Wakaf (Ziswaf) Terhadap Pola Konsumsi dan Investasi Masyarakat. Jurnal Manajemen, Akuntansi dan Ekonomi, 19(4). https://doi.org/10.2324/re6a7p90
Badan Pusat Statistik (BPS). (2025). Gini Ratio in March 2025 was 0.375. https://www.bps.go.id/id/pressrelease/2025/07/25/2519/gini-ratio-maret-2025-tercatat-sebesar-0-375.html
BAZNAS. (2023). Laporan Tahunan Zakat Nasional 2023. BAZNAS.
BAZNAS. (2024). Laporan Pengelolaan ZISWAF Nasional 2024. BAZNAS.
BAZNAS. (n.d.). LPZ Nasional Akhir Tahun 2024. BAZNAS.
Hamidah, R. A., Alam, A., Anggraeni, A., & Nizam, R. S. (2021). An Assessment of Zakat Contributions for Productive Purposes to Empower the Mustahik Economy in the Face of the Covid-19 Pandemic. ZISWAF: JURNAL ZAKAT DAN WAKAF, 8(2), 154. https://doi.org/10.21043/ziswaf.v8i2.11242
Indarningsih, Nur Aisyah, Ma’wa, M. A. F., & Muh. Noval Waliyuddinsyah. (2023). Zakat, infaq, shadaqah, and waqf using financial technology: Millennial generation perspective. Review of Islamic Social Finance and Entrepreneurship, 13–28. https://doi.org/10.20885/RISFE.vol2.iss1.art2
Iqbal, M., Nadya, P. S., Saripudin, S., & Hadiyati, P. (2019). Increasing Community Awareness and Intention in Encouraging The Growth of Cash Waqf. Economica: Jurnal Ekonomi Islam, 10(1), 29–56. https://doi.org/10.21580/economica.2019.10.1.3152
Kementerian Negara Republik Indonesia. (2023). Melihat Manfaat Program Inkubasi Wakaf Produktif Kemenag bagi Umat. https://kemenag.go.id/nasional/melihat-manfaat-program-inkubasi-wakaf-produktif-kemenag-bagi-umat-qmbZz
Khumaini, S., Abdullah, M. D., & Warto, W. (2023). Pengaruh Zakat, Infak dan Sedekah Terhadap Kesejahteraan Mustahik di Baznas Kota Tangerang di Masa Pandemi Covid-19. Al Maal: Journal of Islamic Economics and Banking, 4(2). https://doi.org/10.31000/almaal.v4i2.7200
Kurniawan, D., Husna, A., Nurlela, M. P. F., & Zulfahmi, M. N. (2024). Analisis Pengalaman Belajar Siswa Melalui Penerapan Pendekatan Pembelajaran Aktif, Inovatif, Kreatif, Dan Menyenangkan. Jurnal Pengajaran Sekolah Dasar, 3(1), 27–35. https://doi.org/10.56855/jpsd.v3i1.893
Majid, R., Friantoro, D., Neneng, E., Indrawan, W., & Ramdani. (2024). Do Trust and Waqf Knowledge Able to Explain Waqf Intention in Livestock Sector? Empirical Evidence from Indonesia. ZISWAF: Jurnal Zakat Dan Wakaf, 11(1), 60–81. http://dx.doi.org/10.21043/ziswaf.v11i1.19667
Muklis, M. (2024). Penguatan Budaya Ilmiah Mahasiswa di STAIN Mandailing Natal Melalui Pembentukan UKM Karya Ilmiah dan Penelitian. Jurnal Ilmiah Multidisiplin Ilmu, 1(5). https://doi.org/10.69714/47c5r537
Munir, Misbahul. (2025). Transformasi Wakaf Produktif Berbasis Nilai-nilai Al-Qur’an: Pendekatan Studi Kasus di Indonesia. Jurnal Dinamika Ekonomi Syariah, 12(1). https://doi.org/10.53429/jdes.v12i1.1354
N., Nadya, Nabila Sekar Sari, & Sabrina Dewi Hasna. (2025). Distribusi Kekayaan dalam Ekonomi Islam: Analisis Zakat, Infak, dan Wakaf sebagai Instrumen Pemerataan. Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah, 3(3), 185–192. https://doi.org/10.61132/nuansa.v3i3.1937
Nasution, L. Z., Aris, D. A., Suryadinata, M., & Nurhayanti, Y. (2021). Reinforcing the Position of Waqf in the Islamic Financial Ecosystem in Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 13(2). https://doi.org/10.15408/aiq.v13i2.22403
Nurhardiansyah, A., Adha, M. A., & Wahyudi, R. (2025). The Effectiveness of The Fundraising Strategy for ZIS (Zakat, Infaq, and Sadaqah) Through Fintech Payment at BAZNAS (The Amil Zakat National Agency) of The Special Region of Yogyakarta. Jurnal Ekonomi Syariah, 10(1). https://doi.org/10.37058/jes.v10i1.11814
Pangestu, I. M., Triana, A., Putri, N. A., Khanza, R. M., Safin, A., Annur, Y. B., & Choirunnisa, M. (2025). Peran Infaq dalam Pemberdayaan Ekonomi Umat Muslim. Nusantara Journal of Multidiciplinary Science (NJMS), 2(11).
Prayoga, F., Nugraha, W., Husna, F., & Alfin, A. (2024). Pengetahuan Peran dan Fungsi Zakat, Infak, Sedekah serta Wakaf dalam Ekonomi Makro dan Mikro. Indonesian Research Journal on Education, 4(4). https://doi.org/10.31004/irje.v4i4.1341
Puji Purnawan & Nur Rahmi Irfaniah. (2025). Optimalisasi Pengelolaan ZISWAF untuk Mendukung Pencapaian SDGs di Indonesia. Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan, 5(1), 01–10. https://doi.org/10.55606/jimek.v5i1.5743
Puspitasari, N., Rosyidah, N., & Syaifudiin, S. (2024). Pemberdayaan Dana ZISWAF (Zakat, Infaq, Sedekah dan Wakaf). International Conference on Islamic Economic (ICIE), 3(1), 171–186. https://doi.org/10.58223/icie.v3i1.282
Ridwan, M., Salam, A., Aspandi, A., & Muttaqin, M. A. (2025). Productive Zakat Governance Model for Improving the Quality of Islamic Education. Scaffolding: Jurnal Pendidikan Islam Dan Multikulturalisme, 7(2), 862–876. https://doi.org/10.37680/scaffolding.v7i2.7774
Safitri, D., Rizky, G. A., Anggraini, N., & Murtadho, A. (2025). Zakat dan Wakaf dalam Perspektif Hukum Islam: Regulasi dan Implementasinya di Indonesia. TADHKIRAH: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah, 2(2). https://doi.org/10.59841/tadhkirah.v2i2
Soediro, A., Lakilaki, E., Kusumawardani, M., & Farhan, M. (2025). Repositioning Islamic social reporting as a strategic moderator: Evidence from Indonesian Islamic banks. Muqtasid: Jurnal Ekonomi dan Perbankan Syariah, 15(2), 89–104. https://doi.org/10.18326/muqtasid.v15i2.89-104
Sutikno, J. D., Mashudi & Binti Nur Asiyah. (2025.). Zakat Sebagai Instrumen Ekonomi Islam dalam Upaya Pemerataan Ekonomi Masyarakat. AMAL: Jurnal Ekonomi Syariah, 7(1), 42–49. https://doi.org/10.33477/eksy.v7i1.8520
Syahrin, M. A., Luayyin, R. H., Arifin, M., & Hidayat, R. (2022). Pemerataan Distribusi untuk Menanggulangi Kesenjangan Ekonomi Masyarakat Perspektif Ekonomi Islam. JSE: Jurnal Sharia Economica, 1(1), 38–49. https://doi.org/10.46773/.v1i1.252
Syarigawir, S., Permata, S., Salfianur, S., & Hadijah Wahid, St. (2023). Sistem Distribusi Kekayaan Negara dalam Perspektif Islam. Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam, 8(1), 130–140. https://doi.org/10.47435/adz-dzahab.v8i1.1849
Utami, S. N., & Luthfi, F. (2023). Peran Zakat, Infak, Sedekah, dan Waqaf dalam Menanggulangi Kemiskinan Studi pada Baitulamaal Iltizam Indonesia. Prosiding Seminar Nasional Program Studi Ekonomi Islam. 1.
Zakiy, Faris Salahuddin., & Falikhatun F. (2024). Value for Money Analysis of Zakat Institutions: Insights from Indonesia. Value for Money, 11(1). http://dx.doi.org/10.21043/ziswaf.v11i1.20832
