Purpose of the study: To find a Zakat fund management scheme based on sharia banking for sustainable mustahiq empowerment. Methodology: This research is qualitative research using grounded theory method. Main Findings: Zakat funds collected are used as collaterals for deposits for the development of mustahiq businesses. The profit sharing ratio from the deposits will reduce the mustahiq installment expense. While deposit guarantees will make mustahik get financing easily from Islamic banking. Applications of this study: The research findings can be used in studies on productive zakat, philanthropic studies and the development of Islamic banking. Novelty/ Originality of this study: With this model, mustahik which is not bankable will receive financing for business development. On the other hand, mustahik will get payments in installments so that it will ease the burden.

This study aims to investigate socio-political factors that make certain legal opinions (fatwâs) in a Muslim context enforceable and powerful. Although these legal opinions are not binding in principle, their supporting agents engender a degree of efficacy and enforceability. They are followed and abided when external factors, either the state or society, politically or voluntarily support the implementation of those fatwâs. These external factors of fatwâ are largely understudied, especially in the light of how fatwâ gains its enforceability and power to attract people following and complying with fatwâ rulings. By studying controversial fatwâs of MUI (Council of Indonesian Ulama), namely on the banning of Ahmadiyyah and the prohibition of secularism, pluralism, and liberalism in religion of Islam, this article sheds a light more comprehensively on the relationship between fatwâ and external factors that make this non-legal binding opinion powerful and enforceable.