Isu dan cabaran dalam pengurusan program bantuan modal zakat untuk usahawan asnaf

Abstract

Zakat Capital Assistance Program (ZCAP) is a method employed to allocate zakat funds with the aim of enhancing the quality of life of the recipients. It entails providing financial aid without requiring the recipients to repay the funds. Despite the considerable advantages offered by this program, the number of applications for zakat assistance in the capital assistance category is comparatively lower than those for cash assistance. Consequently, the purpose of this research is to investigate the factors and challenges associated with the ZCAP from the perspective of both zakat officers and recipients. This study employs a qualitative approach, utilizing a structured interview tool to engage with the participants. Through interviews conducted with zakat officials and selected recipients, it was determined that attitudes, knowledge regarding financial records, and the structure of the ZCAP itself are among the influential factors that determine the success or failure of the program. The research findings indicate that the ZCAP has the potential to assist the asnaf, although there is room for improvement in order to achieve a more profound impact through this initiative. This study aims to provide valuable insights for the enhancement of the ZCAP implementation, ultimately fostering the emergence of successful Muslim entrepreneurs.