The Legal Maxim al-Darurat Tubih al-Mahzurat in Innovative Zakat Utilization for the Economic Empowerment of the Ummah

Authors

  • TB Rifat Universitas Pamulang
  • Ahmad Hasan Ridwan UIN Sunan Gunung Djati Bandung
  • Dede Rohayati Universitas Pamulang
  • Eid Abdul Aziz Bayburt University

DOI:

https://doi.org/10.24235/0m7nqr60

Keywords:

Economic Empowerment, Legal Maxim, Maqāṣid al-Sharia, Productive Zakat, Sharia Governance

Abstract

Structural poverty requires zakat institutions to move beyond short-term relief while continuing to protect the legal entitlements of mustahik. This study examines the legal boundaries for applying the maxim al-Ḍarurat Tubiḥ al-Maḥẓurat to innovative forms of productive zakat and formulates a Sharia-compliant implementation framework. It employs normative Islamic legal research using conceptual, comparative, statutory, fatwa, and maqāṣid al-Sharia approaches. Primary and secondary legal materials were collected through documentary analysis and examined through data condensation, data display, and conclusion drawing and verification. The findings demonstrate that the maxim does not provide a general justification for all productive zakat programs because productive zakat is not inherently prohibited. Nonrepayable business capital grants and capacity-building programs may be justified by tamlīk, maṣlaḥah, and maqāṣid al-Sharia. By contrast, delayed distribution, institutional investment, and collectively managed productive assets require stricter tests of necessity, proportionality, governance, and beneficiary protection. Repayable revolving schemes should primarily use infaq, sadaqah, waqf, or other non-zakat funds because zakat transferred through valid tamlīk becomes the property of the mustahik. The study proposes a Sharia legal test based on mustahik eligibility, fulfillment of basic needs, the form of tamlīk, degree of necessity, availability of lawful alternatives, proportionality, Sharia governance, and program evaluation. This framework enables zakat institutions to promote sustainable economic empowerment without diminishing the rights and dignity of mustahik.

Author Biography

  • TB Rifat, Universitas Pamulang
    Dosen Universtas Pamulang

References

Alfaizin, A. W., Insani, T. D., & Herianingrum, S. (2018). Zakat: Concept and implications to social and economic development—An economic interpretation of Al-Tawbah: 103. Journal of Islamic Monetary Economics and Finance, 4(1), 117–132.

Al-Nawawi, Y. ibn S. (2010). Al-Majmū‘ sharḥ al-Muhadhdhab (6th ed., Vol. 6). Maktabah al-Irsyad.

Al-Qaradhawi, Y. (2016). Al-ijtihād al-mu‘āṣir bayna al-inḍibāṭ wa al-infirāṭ. Dar al-Tauzi‘ wa al-Nasyr al-Islamiyyah.

Al-Syatibi, A. I. (2016). Al-Muwāfaqāt fī uṣūl al-syarī‘ah (Vol. 2). Dar Ibn ‘Affan.

Al-Suyuthi, J. al-D. (1990). Al-asybāh wa al-naẓā’ir. Dar al-Kutub al-‘Ilmiyyah.

Al-Zuhaili, W. (2008). Al-fiqh al-Islāmī wa adillatuhu (Vol. 7). Dar al-Fikr.

Ascarya, A., & Sakti, A. (2022). Designing micro-fintech models for Islamic microfinancial institutions in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 15(2), 236–254.

Ascarya, A., & Yumanita, D. (2018). Comparing zakat management in Malaysia and Indonesia. Tazkia Islamic Finance and Business Review, 11(2), 161–188.

As-Salafiyah, A., Rusydiana, A. S., & Mustafa, M. I. (2022). Maqashid Sharia-based mosque empowerment index. International Journal of Ethics and Systems, 38(2), 173–190.

Awang, M. Z., Mat Nong, N. F., & Wan Chik, W. M. Y. (2025). Integrating Islamic social finance with the United Nations Sustainable Development Goals through maqasid al-Shariah principles. International Journal of Academic Research in Business and Social Sciences, 15(7), 35–51.

Ayuniyyah, Q., Pramanik, A. H., Saad, N. M., & Ariffin, M. I. (2018). Zakat for poverty alleviation and income inequality reduction. Journal of Islamic Monetary Economics and Finance, 4(1), 85–100.

Ayuniyyah, Q., Pramanik, A. H., Saad, N. M., & Ariffin, M. I. (2022). The impact of zakat on poverty alleviation and income inequality reduction from a gender perspective in West Java, Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 15(5), 924–942.

Badan Amil Zakat Nasional. (2023). Laporan pengelolaan zakat nasional 2023. BAZNAS.

Badan Pusat Statistik. (2024). Profil kemiskinan di Indonesia Maret 2024. BPS.

Bahri, E. S., Aslam, M. M. A., Hasan, A. A. H., & Wibowo, H. (2019). Maqasid al-Shariah in micro-entrepreneurship development: An overview. In Proceedings of the Indonesian Conference on Zakat (pp. 258–267). BAZNAS.

Beik, I. S., & Arsyianti, L. D. (2016). Measuring zakat impact on poverty and welfare using the CIBEST model. Journal of Islamic Monetary Economics and Finance, 1(2), 141–160. doi:10.21098/jimf.v1i2.524

Beik, I. S., & Arsyianti, L. D. (2022). Zakat empowerment index: Measuring the impact of zakat on poverty alleviation. International Journal of Zakat, 7(1), 1–15.

Bowen, G. A. (2009). Document analysis as a qualitative research method. Qualitative Research Journal, 9(2), 27–40. doi:10.3316/QRJ0902027

Canggih, C., Fikriyah, K., & Yasin, A. (2017). Potensi dan realisasi dana zakat Indonesia. Al-Uqud: Journal of Islamic Economics, 1(1), 14–26.

Choiriyah, E. A. N., Kafi, A., Hikmah, I. F., & Indrawan, I. W. (2020). Zakat and poverty alleviation in Indonesia: A panel analysis at the provincial level. Journal of Islamic Monetary Economics and Finance, 6(4), 811–832.

Cokrohadisumarto, W. B. M., Zaenudin, Z., Santoso, B., & Sumiati, S. (2020). A study of the Indonesian community’s behaviour regarding zakat payments. Journal of Islamic Marketing, 11(4), 961–976.

Fauzia, I. Y., & Riyadi, A. K. (2020). Prinsip dasar ekonomi Islam: Perspektif maqashid al-syariah. Kencana.

Gümüş, N., Yardımcıoğlu, F., & Altıntaş, N. (2019). The role of zakat potential in reducing poverty in Turkey. International Journal of Islamic Economics and Finance Studies, 5(2), 90–110. https://doi.org/10.25272/ijisef.575488

Hafidhuddin, D., & Tanjung, H. (2017). Manajemen syariah dalam praktik. Gema Insani.

Hafizd, J. Z. (2021). Position and optimization of the economic benefits of zakat for empowerment of the people. Syekh Nurjati: Jurnal Studi Sosial Keagamaan, 1(1), 116–131. doi:10.24235/sejati.v1i1.1

Hafizd, J. Z. (2022). Pengaruh zakat terhadap kegiatan usaha dan kesejahteraan mustahik. Al Barakat: Jurnal Kajian Hukum Ekonomi Syariah, 2(2), 113–124. doi:10.59270/jab.v2i02.125

Hafizd, J. Z., Khoirudin, A., & Anwar, A. F. (2023). Pengaruh zakat produktif terhadap pemberdayaan usaha mikro kecil menengah dan keberlanjutan ekonomi mustahiq di BAZNAS Kota Cirebon. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 8(1), 112–126. doi:10.24235/jm.v8i1.13073

Hashim, A. M. (2023). Revisiting zakat with a distribution of weighted Shapley value. International Journal of Islamic and Middle Eastern Finance and Management, 16(6), 1141–1158.

Herianingrum, S., Supriani, I., Sukmana, R., Effendie, E., Widiastuti, T., Fauzi, Q., & Shofawati, A. (2024). Zakat as an instrument of poverty reduction in Indonesia. Journal of Islamic Accounting and Business Research, 15(4), 643–660.

Huda, N., Rini, N., Mardoni, Y., & Putra, P. (2017). Zakat management: The way to empower the poor. Journal of Economic Cooperation and Development, 38(4), 59–74.

Islamic Financial Services Board. (2009). Guiding principles on Sharī‘ah governance systems for institutions offering Islamic financial services (IFSB-10). IFSB.

Kamali, M. H. (2015). Legal maxims of Islamic law: A survey. Islamic Studies, 54(1), 5–35.

Kamaruddin, M. I. H., & Hanefah, M. M. (2021). Bridging zakat impacts toward maqasid Shariah and Sustainable Development Goals. In Islamic wealth and the SDGs (pp. 229–258). Palgrave Macmillan.

Kasri, R. A., & Chaerunnisa, S. R. (2022). The role of knowledge, trust, and religiosity on zakat compliance: Evidence from Muslim millennials. Journal of Islamic Accounting and Business Research, 13(5), 769–789.

Khallaf, A. al-W. (2017). ‘Ilm uṣūl al-fiqh. Maktabah al-Da‘wah al-Islamiyyah.

Khan, T., & Ahmed, H. (2001). Risk management: An analysis of issues in Islamic financial industry (Occasional Paper No. 5). Islamic Research and Training Institute, Islamic Development Bank.

Khasanah, U. (2020). Strategies for utilizing productive zakat to empower recipients economically. Indonesian Journal of Islamic Economics, 10(2), 118–130.

Majelis Ulama Indonesia. (1982). Fatwa tentang mentasharrufkan dana zakat untuk kegiatan produktif dan kemaslahatan umum. MUI.

Majelis Ulama Indonesia. (2003). Fatwa Nomor 4 Tahun 2003 tentang penggunaan dana zakat untuk istitsmar (investasi). MUI.

Majelis Ulama Indonesia. (2011a). Fatwa Nomor 14 Tahun 2011 tentang penyaluran harta zakat dalam bentuk aset kelolaan. MUI.

Majelis Ulama Indonesia. (2011b). Fatwa Nomor 15 Tahun 2011 tentang penarikan, pemeliharaan, dan penyaluran harta zakat. MUI.

Majelis Ulama Indonesia. (2015). Himpunan fatwa MUI sejak 1975. Erlangga.

Masud, M. K. (2016). Dispensing justice in Islam: Qadis and their judgments. Brill.

Mawardi, I., Widiastuti, T., Al Mustofa, M. U., & Hakimi, F. (2023). Analysing the impact of productive zakat on the welfare of zakat recipients. Journal of Islamic Accounting and Business Research, 14(1), 118–140.

Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). SAGE Publications.

Mubtadi, N. A., & Susilowati, D. (2019). Analysis of Islamic accountability and Islamic governance in zakat institutions. International Journal of Zakat, 4(1), 41–57.

Mujiatun, S. (2019). A model for the utilization of productive zakat. Al-Masharif, 7(1), 24–36.

Nayak, V., & Hegde, K. P. (2023). Examining the impact of wealth redistribution through zakat. Millah: Journal of Religious Studies, 22(2), 285–312.

Nujaym, Z. al-D. I. (2016). Al-asybāh wa al-naẓā’ir. Dar al-Fikr.

Qudamah, A. ibn A. I. (2016). Al-mughnī (Vol. 4). Dar ‘Alam al-Kutub.

Rakhmat, A. S., & Beik, I. S. (2022). Management of zakat and waqf in Malaysia and Turkey: Comparative studies. ILTIZAM Journal of Shariah Economics Research, 6(1), 48–58. https://doi.org/10.30631/iltizam.v6i1.1077

Ramdani, R., Widiastuti, T., & Mawardi, I. (2024). Implementation of Islamic values in waqf governance: A systematic literature review. Journal of Islamic Marketing, 15(8), 1925–1941.

Republik Indonesia. (2011). Undang-Undang Republik Indonesia Nomor 23 Tahun 2011 tentang Pengelolaan Zakat.

Republik Indonesia. (2014). Peraturan Pemerintah Republik Indonesia Nomor 14 Tahun 2014 tentang Pelaksanaan Undang-Undang Nomor 23 Tahun 2011 tentang Pengelolaan Zakat.

Kementerian Agama Republik Indonesia. (2025). Peraturan Menteri Agama Republik Indonesia Nomor 16 Tahun 2025 tentang Pendayagunaan Zakat untuk Usaha Produktif.

Ridwan, M., Asnawi, N., & Sutikno, S. (2019). Zakat collection and distribution system and its impact on the economy of Indonesia. Uncertain Supply Chain Management, 7(4), 589–598.

Roziq, A., Yulinartati, & Yuliarti, N. C. (2022). Model of productive Islamic social fund management for the empowerment of the poor. International Journal of Professional Business Review, 7(5), e0597.

Saad, N. M., Kayadıbı, S., & Hamıd, Z. (2017). The contribution of waqf institutions in Malaysia and Turkey in improving the socioeconomic conditions of society. Turkish Journal of Islamic Economics, 4(1), 1–29.

Soekanto, S., & Mamudji, S. (2020). Penelitian hukum normatif: Suatu tinjauan singkat. RajaGrafindo Persada.

Wahyudi, M., Ahmi, A., & Herianingrum, S. (2022). Examining trends, themes, and social structure of zakat literature: A bibliometric analysis. Global Journal Al-Thaqafah, 12(1), 40–67.

Wahyuni-TD, I. S., Haron, H., & Fernando, Y. (2021). The effect of good governance and corporate social responsibility on the performance of Islamic banks in Indonesia. Journal of Islamic Accounting and Business Research, 12(5), 698–714.

Wibisono, Y. (2021). Mengelola zakat Indonesia: Diskursus pengelolaan zakat nasional dari rezim filantropi ke rezim fiskal. Prenadamedia Group.

Widiastuti, T., Cahyono, E. F., Zulaikha, S., Mawardi, I., & Al Mustofa, M. U. (2021). Optimizing zakat governance in East Java using analytical network process: The role of zakat technology. Journal of Islamic Accounting and Business Research, 12(3), 301–319.

Widiastuti, T., & Rosyidi, S. (2015). Model pendayagunaan zakat produktif oleh lembaga zakat dalam meningkatkan pendapatan mustahiq. Jurnal Ekonomi dan Bisnis Islam, 1(1), 89–101.

Yusroni, N., & Chadhiq, U. (2021). Understanding the impact of zakat and waqf on community economic development in rural areas. International Research Journal of Management, IT and Social Sciences, 8(6), 639–647.

Zahrah, M. A. (2017). Ushul fiqh (S. Ma’shum, Ed.). Pustaka Firdaus.

Zailani, M. N., Satar, N. H. M., & Zakaria, R. H. (2022). Maqasid al-Shariah-based index of socioeconomic development: A literature review. Journal of Muamalat and Islamic Finance Research, 19(1), 73–90.

Zakiy, F. S., Falikhatun, F., & Fauziah, N. N. (2024). Sharia governance and organizational performance in zakat management organizations: Evidence from Indonesia. Journal of Islamic Accounting and Business Research, 15(2), 289–307.

Zauro, N. A., Saad, R. A. J., & Sawandi, N. (2020). Enhancing socioeconomic justice and financial inclusion in Nigeria: The role of zakat, sadaqah, and qardhul hassan. Journal of Islamic Accounting and Business Research, 11(3), 555–572.

Downloads

Published

2026-06-28

Issue

Section

Articles

How to Cite

The Legal Maxim al-Darurat Tubih al-Mahzurat in Innovative Zakat Utilization for the Economic Empowerment of the Ummah. (2026). Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 11(1), 143-163. https://doi.org/10.24235/0m7nqr60

Similar Articles

21-30 of 219

You may also start an advanced similarity search for this article.