Mencetak Muzakki Baru melalui Optimalisasi Program Komunitas Usaha Mikro Muamalat Berbasis Masjid

Abstract

Bank Muamalat Gresik Regency has a program to empower Mustahik to become muzaki which has been implemented since 2010. This study attempts to answer the problem of how the KUM3 Program is implemented in Gresik Regency and how this program pattern is to realize Mustahik Zakat to become Muzakki. The research that the author compiled uses a qualitative approach, which emphasizes not on hypothesis testing but rather on efforts to answer research questions through formal and argumentative thinking. This research has natural characteristics and is fieldwork and is descriptive applicative. The findings in this study are that KUM3 Gresik Regency is a Qordhul Hasan financing application managed directly by BMM with Bank Muamalat as a companion and supervisor. From the data of 75 Mustahik, approximately 95% of them have completed their loans and 75% of them are ready to become Muzakki. In the long term, Muzakki will be directed to form a Sharia Financial Services Cooperative (KJKS) in Gresik Regency. Market evictions, stall evictions, the lack of mobility of mustahik, and a lack of mental, skill, and motivational readiness are obstacles to the program's optimal implementation. While not yet 100% successful, this is a model project for transforming mustahik into muzaki (zakat recipients).