Pengembangan Bisnis Digital Berbasis Software As A Service (SAAS): Studi Kasus Platform Pengelolaan Zakat “Catat Zakat” Di Pt Titik Terang Teknologi
DOI:
https://doi.org/10.24256/kharaj.v8i2.11026Keywords:
SaaS, digital zakat, business plan, design thinking, financial feasibilityAbstract
This study aims to develop a comprehensive business plan for the Catat Zakat Software as a Service (SaaS) platform, analyze business development planning across multiple aspects, and evaluate financial investment feasibility. Catat Zakat is a B2B SaaS platform developed by PT Titik Terang Teknologi to help Zakat Management Institutions (LAZ) automate zakat management from collection to distribution. The research employs a qualitative descriptive method with a single case study approach, involving semi-structured interviews with 25 LAZ managers in West Java, DKI Jakarta, and East Java. The analytical framework integrates Design Thinking, Business Model Canvas, SWOT-TOWS analysis, Timmons Model, and financial feasibility analysis (NPV, IRR, Payback Period, Profitability Index). Results show that 92% of LAZ still prepare PSAK 109 reports manually, 88% face multi-channel reconciliation difficulties, and 84% lack adequate donor tracking systems. The Timmons Model evaluation yields a score of 4.11/5.00 (Highly Attractive Opportunity). Financial feasibility analysis under the moderate scenario shows NPV of IDR 8.7 billion, IRR of 42%, Payback Period of 4.8 years, and Profitability Index of 2.71 — all metrics exceeding minimum feasibility standards.
References
Barringer, B. R., & Ireland, R. D. (2021). Entrepreneurship: Successfully launching new ventures (7th ed.). Pearson.
BAZNAS. (2024). Outlook Zakat Indonesia 2024. Pusat Kajian Strategis BAZNAS.
Berk, J., & DeMarzo, P. (2020). Corporate Finance (5th ed.). Pearson Education.
Brown, T. (2009). Change by Design: How Design Thinking Transforms Organizations and Inspires Innovation. HarperBusiness.
Creswell, J. W., & Creswell, J. D. (2023). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches (6th ed.). Sage.
Daspit, J. J., Fox, C. J., & Findley, S. K. (2023). Entrepreneurial Mindset: An Integrated Definition, a Review of Current Insights, and Directions for Future Research. Journal of Small Business Management, 61(1), 12–44.
Godionenko, E. (2025). Risk Management in Scaling Startups Under Global Conditions. The American Journal of Management and Economics Innovations, 7(10), 100–107.
Hendri, M. (2025). Business Plan of PAWvillion Paradise: One-Stop Pet Cafe, Care & Playground Experience in the City of Bandung. Syntax Literate: Jurnal Ilmiah Indonesia, 11(2).
Insights, S. M. (2024). Software as a Service (SaaS) - Indonesia. Statista.
Kaniawati, K. (2024). Digital Entrepreneurship. Penerbit Buku.
Kaniawati, K., Sukma, A., & Oktaviani, D. (2024). Leveraging Strategic Orientations in Achieving a Competitive Advantage Among MSMEs: A Cross-Country Marketing Analysis. Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK), 13(1), 40–66.
Keuangan, O. J. (2024). Survey Digitalisasi Lembaga Keuangan Syariah Indonesia. OJK.
Munawar, F., Kaniawati, K., & Latifah, I. (2022). Analisis pengaruh strategic agility terhadap kapabilitas inovasi. INOVASI, 18(3), 693-700.
Osterwalder, A., & Pigneur, Y. (2010). Business Model Generation: A Handbook for Visionaries, Game Changers, and Challengers. Wiley.
Porter, M. E. (2008). The five competitive forces that shape strategy. Harvard Business Review, 86(1), 78-93.
Sabarine, I., & Hendri, M. (2025). Business Plan for the Development of Montessori First Indonesia Educational Institution in Cirebon. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 9(3), 2529–2552.
Sahut, J. M., Iandoli, L., & Teulon, F. (2021). The Age of Digital Entrepreneurship. Small Business Economics, 56, 1159–1169.
Schulte, R. (2025). New Venture Risk Management: Theoretical Framework and Research Perspectives. Journal of the International Council for Small Business, 6(4), 639–658.
Timmons, J. A., & Spinelli, S. (2009). New Venture Creation: Entrepreneurship for the 21st Century (8th ed.). McGraw-Hill/Irwin.
Yin, R. K. (2018). Case Study Research and Applications: Design and Methods (6th ed.). Sage.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Ekky Fauzan Maulana, Keni Kaniawati
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. In line with the license, authors are allowed to share and adapt the material. In addition, the material must be given appropriate credit, provided with a link to the license, and indicated if changes were made. If authors remix, transform or build upon the material, authors must distribute their contributions under the same license as the original.
