Why Similar Zakat Inputs Produce Divergent Micro-Retail Outcomes: Evidence from BAZNAS Z-Mart in Post-Disaster Palu
DOI:
https://doi.org/10.35897/iqtishodia.v11i1.2518Keywords:
Productive Zakat, Z-Mart, Post Disaster Recovery, Sustainable Livelihood FrameworkAbstract
This study examines why beneficiaries of the BAZNAS Z-Mart program in post-disaster
Palu achieved different micro-retail outcomes despite receiving similar support. Using a
qualitative comparative case study of four active beneficiaries, the research integrates
the Sustainable Livelihood Framework, Theory of Change, and Maqasid al-Shariah to
explain this divergence in vulnerable local recovery settings. Data were collected through
in-depth interviews and structured case documentation and analyzed using a hybrid
deductive-inductive coding approach. The findings show that outcomes depended less
on capital assistance itself than on beneficiaries’ ability to translate support into routine
managerial practice. Better outcomes were associated with sound cash flow
management, practical business skills, stronger customer and supplier relationships, and
effective use of physical business improvements. Poorer outcomes were linked to mixed
household and business finances, weak bookkeeping, intense local competition, and
psychosocial pressures. Islamic values reinforced positive outcomes when accompanied
by operational discipline, contributing to capability, resilience, and the long-term
sustainable recovery of livelihoods.
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