Analisis Dampak Pendistribusian Zakat Produktif Terhadap Kesejahteraan Mustahik Deli Serdang

Abstract

Zakat is one of the pillars of Islam and must be fulfilled if it meets its provisions. Zakat has a very strategic function in the context of the economic system, namely as an instrument of wealth distribution. Therefore, zakat is very appropriate in improving consumption, production and distribution patterns in the context of the welfare of the people. Thus, zakat distributed will be able to increase production, this is done to meet the high demand for goods. The role of zakat is not only limited to poverty alleviation, but also aims to overcome other social problems. In its distribution, the benefits of zakat for mustahik are in two ways, consumptive and productive benefits. Zakat given to mustahik will play a role as a supporter of their economic improvement if it is channeled to productive activities. This study aims to determine the impact of the distribution of productive zakat funds (Amount of Loans/X1, Loan Tempo/X2, and Loan Frequency/X3) on Community Welfare with a case study on zakat mustahik in Deli Serdang Regency. This type of research is quantitative associative with primary data, namely direct research in the field. The research sample was taken using the saturated sample technique. The data analysis method used is Multiple Linear Regression with Classical Assumption Test (Normality Test, Multicollinearity Test and Heteroscedasticity Test), as well as Hypothesis Testing, namely, t test, F test and R2 test (Coefficient of Determination). The total population and sample in this study were 103 people. Based on the partial test, the test results obtained with a significance value (Sig.) in X1 of 0.001 < 0.05 and a tcount of 4.341 > 1.9422, meaning that the amount of loan has a significant effect on Mustahik's Welfare. And the significance value (Sig.) on X2 is 0.001 < 0.05 and the tcount is 10,678 > 1.9422, meaning that the loan tempo has a significant effect on Mustahik's Welfare. And the significance value (Sig.) on X3 is 0.381 > 0.05 and the t-count is 0.881 < 1.9422, meaning that the Loan Frequency has no significant effect on Mustahik's Welfare. And the simultaneous test shows that the variables (X1, X2, and X3) simultaneously have an effect on Mustahik's Welfare, with a value of Fcount > Ftable (442.276 > 2.6955) with a significance level of 0.001 < 0.05.