The Effect of Capital Assistance, Financial Literacy, And Entrepreneurial Motivation on The Economic Welfare of Mustahik in The YBM Brilian Ro Pekanbaru
DOI:
https://doi.org/10.24256/kharaj.v8i1.9820Keywords:
Capital, financial literacy, entrepreneurial motivation, mustahik welfareAbstract
This study aims to analyze the effect of Capital, Financial Literacy, and Entrepreneurial Motivation on the Economic Welfare of mustahik beneficiaries of the Gerobak Bermakna Program at YBM BRILiaN RO Pekanbaru. The study tests the hypothesis that the three independent variables have a positive and significant effect on economic welfare, both partially and simultaneously. A quantitative approach with an explanatory research design was employed. The population, which also served as the sample, consisted of 169 mustahik selected using a total sampling technique. Data were collected through structured questionnaires using a Likert scale and analyzed using multiple linear regression at a 5% significance level.
The results indicate that Business Capital (t = 2.217; p = .028), Financial Literacy (t = 6.406; p = .000), and Entrepreneurial Motivation (t = 3.349; p = .001) have a positive and significant effect on Economic Welfare. Simultaneously, the analysis shows F(3,165) = 66.626; p = .000 with an R² value of .548, meaning that 54.8% of the variance in economic welfare can be explained by the three variables. Financial literacy emerges as the most dominant variable. These findings imply that productive zakat programs should integrate capital assistance with continuous capacity building and entrepreneurial motivation development to sustainably enhance beneficiaries’ economic welfare.
References
Aeni, N. (2025). Zakat Produktif dan Peningkatan Kesejahteraan Mustahik: Studi Pemberdayaan Ekonomi Berbasis Syariah. Jurnal Ekonomi Manajemen Akuntansi, 5(2), 1–12. https://doi.org/10.55606/jurimea.v5i1.914
Azmi Nur Aisyah, N., & Sishadiyati. (2024). Dinamika Ekonomi Surabaya Raya: Studi tentang Dampak PDRB Perkapita, Tingkat Kemiskinan, dan Upah Minimum terhadap. Oikos: Jurnal Kajian Pendidikan Ekonomi Dan Ilmu Ekonomi , 09(01).
Efendi, G. (2025). Challenges and Opportunities of Productive Zakat Empowerment in Indonesia: A Literature Review and Problem Tree Analysis. In ITQAN: Journal of Islamic Economics (Vol. 4, Number 2). https://journal.itqanpreneurs.com/index.php/itqan/index
Fauzi, F., Samri, Y., & Nasution, J. (2025). Zakat Produktif: Tinjauan Literatur dan Implikasinya Terhadap Pembangunan Ekonomi di Indonesia Productive Zakat: Literature Review and Implications for Economic Development in Indonesia. Tijarah Jurnal Ekonomi,Manajemen Dan Bisnis Syariah, 2(1), 19–28. https://litera-academica.com/ojs/tijarah/
Guntoro Hendro, & Mochlain. (2023). Peran Pengalaman Usaha Dalam Memoderasi Pengaruh Zakat Produktif Dan Motivasi Terhadap Perkembangan Usaha (Studi Pada Mustahiq Laz Harapan Umat Boyolali). Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(3), 400–409.
Maskur M Ali. (2025). Optimalisasi Zakat Produktif Dalam Kesejahteraan Mustahiq Di Kecamatan Batanghari Lampung Timur.
Muhammad Rifa’i Muhrim. (2023). Literasi, Financial Teknologi dan Minat Pembayaran Zakat Masyarakat Ambon. AMAL: Jurnal Ekonomi Syariah, 05(02), 89–96. https://doi.org/10.36908/esha.v9i1.766
Mulyaningsih. (2019). Pembangunan Ekonomi. CV KIMFA MANDIRI.
Puskas Baznas. (2020). Laporan Hasil Survey Indeks Literasi Zakat 2020. Pusat Kajian Strategis BAZNAS, 1–10.
Qanita, A. (2024). Examining the Role of Zakat As Islamic Social Finance and Its Contribution To Multidimensional Poverty Alleviation. Filantropi : Jurnal Manajemen Zakat Dan Wakaf, 5(2), 66–79. https://doi.org/10.22515/finalmazawa.v5i2.9539
Rahmawati, E. N., Okri, D., & Suryani, S. (2023a). Pelatihan Literasi Keuangan Syariah Guna Meningkatkan Kesejahteraan Mustahik Program Zakat Produktif Pada Upz Dinas Sosial Kota Dumai. AWARNA Jurnal Pengabdian Kepada Masyarakat, 2(1), 131–136.
Rahmawati, E. N., Okri, D., & Suryani, S. (2023b). Pelatihan Literasi Keuangan Syariah Guna Meningkatkan Kesejahteraan Mustahik Program Zakat Produktif Pada Upz Dinas Sosial Kota Dumai. SWARNA Jurnal Pengabdian Kepada Masyarakat, 2(1).
Santosa, B., Ajeng Entaresmen, R., Sirait, K. H., Ata, M., Cahyati, R. A., Ekonomi, F., & Bisnis, D. (2025). Pendidikan dan Pelatihan Kewirausahaan dan Rencana Bisnis Bagi Siswa-Siswa SMKS Maarif Jakarta Barat. Jurnal Pengabdian Masyarakat Akademisi, 4(4).
Semmawi, R., Ady Bakri, A., Susanto, E., Kalsum, U., & Natsir, I. (2024). Peran Zakat Produktif Dalam Meningkatkan Pendapatan Mustahik Di Indonesia. Edunomika , 08(02).
sugiyono. (2019). Statistika untuk penelitian. Alfabeta,CV.
Sugiyono. (2022). Metode Penelitian Kuantitatif (setiyawami, Ed.). ALFABETA.
Ulhak, M. Z. (2025). Peran zakat dalam mendorong pembangunan ekonomi berkelanjutan untuk mencapai kesejahteraan sosial yang inklusif. Baitul Maal, 2(2), 169–179.
YBM BRILiaN -. (2025). https://ybmbrilian.id/
Zainuddin, U., Iffa, M., Fajria, N., & Maula Aulia, S. (2020). Peran Zakat Dan Wakaf Dalam Pembangunan Ekonomi Umat Perspektif Ekonomi Islam. FiTUA: Jurnal Studi Islam, 1(2), 202–234. https://doi.org/10.47625/fitua.v1i2.270
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2026 nanda ega Rupita, Muhammad Albahi, Mulia Sosiady
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.
