Zakat Produktif untuk Pemberdayaan



ibadah zakat memiliki beberapa manfaat jika dipandang dari segi ekonomi maupun sosial. Khususnya dalam hal perekonomian masyarakat Islam, pembayaran zakat memiliki peran yang sangat vital dalam usaha meningkatkan pendapatan kaum dhuafa. Islam mengajarkan setiap umatnya untuk berihtiyar dan tidak putus asa dalam hidup, termasuk dalam mencari nafkah.

Apakah hubungan zakat dengan usaha peningkatan kesejahteraan kaum dhuafa?
Umar bin khattab pernah berkata “Apabila kalian memberi, buatlah agar mereka mampu mandiri”

Hasil penelitian Ria Norita dari Universitas Sumatera Utara (USU) menemukan bahwa jumlah dana zakat dan infak yang disalurkan untuk kegiatan produktif memiliki pengaruh signifikan dalam usaha meningkatkan pendapatan kaum dhuafa. Hal penting yang harus digarisbawahi disini adalah zakat untuk permodalan kegiatan produktif kaum dhuafa.

Mengapa zakat harus digunakan sebagai modal kegiatan produktif? Apakah ada jenis kegiatan penyaluran zakat lain yang tidak memiliki nilai produktif?

Proses pengelolaan dan penyaluran dana zakat di Indonesia memiliki dua macam tujuan, yaitu untuk tujuan komsumtif dan produktif. Zakat sebagai dana konsumtif artinya uang penerimaan zakat digunakan untuk memenuhi kebutuhan sehari-hari kaum dhuafa, seperti penyediaan makanan, minum, pakaian, dan tempat tinggal.

Sedangkan untuk tujuan produktif, dana zakat dipakai sebagai modal pelatihan wirausaha dan pengembangan usaha yang dirintis oleh kaum dhuafa. Harapan pemanfaatan zakat produktif adalah meningkatkan pendapatan kaum dhuafa sehingga kelak mereka bukan lagi sebagai mustahik, tetapi sudah menjadi muzakki.

Zakat produktif akan menghasilkan manfaat jangka panjang yang lebih baik bagi kaum dhuafa dibanding pemenuhan kebutuhan sesaat. Mari membayar zakat untuk meningkatkan ekonomi kaum dhuafa

Misal ada petani yang gagal panen lalu untuk bertani selanjutnya dia tidak memiliki modal, sementara hartanya hanya rumah yang dia tempati dan sepetak sawah, bisa saja zakat tersebut kita salurkan untuk permodalan petani tersebut bertani dengan harapan panennya berhasil bagus dan bahkan kedepan petani tersebut bisa membantu petani lainnya juga sehingga akan banyak petani bangkit dan berhasil


banyak contoh lainnya yang sebetulnya dengan konsep zakat produktif bisa memberdayakan orang dan bangkit serta mandiri sehingga kemakmuran semakin meningkat dan fakir miskin akan berkurang karna orang sudah bisa mandiri

seperti yang pernah di contohkan oleh khalifah umar bin abdul aziz

Khalifah Umar pernah memberikan pengarahan kepada Hamid bin Abdurrahman, Gubernur Irak saat itu dengan arahan-arahan berikut :

“Carilah orang yang dililit utang tetapi tidak boros. Berilah dia uang untuk melunasi utangnya.”

“Kalau ada orang lajang yang tidak memiliki harta lalu dia ingin menikah, nikahkan dia dan bayarlah maharnya.”

“Carilah orang yang biasa membayar jizyah dan kharaj. Kalau ada yang kekurangan modal, berilah mereka pinjaman agar mampu mengolah tanahnya. Kita tidak menuntut pengembaliannya kecuali setelah dua tahun atau lebih.” (Al-Qaradhawi, 1995)

Dari cerita di atas maka penggunaan zakat sangat lah luas, bisa untuk zakat konsumtif dan juga zakat produktif

semua bagus dan tergantung kita menyingkapinya

About indra Diansyah


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