Woman’s Contribution in Contemporary Zakat: Mediating Role of Empowerment
There's been a lot of research on the role of women in household welfare. In contemporary times, one effective instrument in supporting women's economic role is productive zakat. The objective of this study is to uncover and understand the direct and indirect effects between digital skills and management effectiveness on household welfare, with empowerment acting as a mediating role. This study employs a quantitative method with data collection techniques using a questionnaire and snowball sampling. Data analysis utilizes the Partial Least Square Structural Equation Model (SEM PLS). The results of the study reveal that digital skills have no direct or indirect influence on household welfare. Meanwhile, digital skills influence empowerment. Furthermore, effective management has an influence on household welfare and empowerment. Conversely, effective management has no influence on household welfare through the mediation of empowerment. Meanwhile, empowerment has an influence on household welfare. This study is important to identify the factors that influence women's contribution to improving household welfare through the empowerment of zakat and productive waqf funds. The results of this study are expected to serve as a basis for formulating policy recommendations for the government, zakat institutions, and the broader community.
Downloads
References
Abhiat, B. A. (2023). Woman and Economic Decision Making. IJHER: International Journal of Humanities and Educational Research, 5(4), 86–106.
Achuo, E. D., Buraye, J. K., Miamo, C. W., & Wirajing, M. A. K. (2025). Does Women Empowerment Promote Sustainable Development in Developing Countries? Sustainable Devolopment. https://doi.org/https://doi.org/10.1002/sd.3507
Aini Tsalsa Maulidhinah, Jannah, A., Elvira Putri Rizkyka, Karisma Wati, Nugroho,
A. P., & Huda, B. (2023). Analisis Penyaluran Dana Zakat Untuk Produktivitas Mustahik: Studi Pada Lembaga Amil Zakat Infaq Shadaqah Nurul Falah Surabaya. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 3(1), 395–414. https://doi.org/10.56799/ekoma.v3i1.2526
Akbar, F. M. A., Lazuardi, A., & Siti Haniatunnisa. (2024). Evolusi Pemikiran Manajemen Syariah Tinjauan Literatur dari Perspektif Historis. An Nawawi, 4(2), 187–204. https://doi.org/10.55252/annawawi.v4i2.65
Al-Afeef, M. A., & Alsmadi, A. A. (2025). Digital empowerment: unraveling the impact of digital literacy on financial mastery. Discover Sustainability, 6(1). https://doi.org/10.1007/s43621-025-01137-5
Alfin Maulana, & Erma Tri Wahyuningdyah. (2023). Digitalisasi Pemberdayaan Melalui Dana Zakat Produktif Untuk Mengatasi Kemiskinan Di Kota Surabaya. Seminar Nasional Teknologi Dan Multidisiplin Ilmu (SEMNASTEKMU), 3(1), 77–89.
https://doi.org/10.51903/semnastekmu.v3i1.205
Allmann, K., & Blank, G. (2021). Rethinking Digital Skills in The Era of Compulsory Computing: Methods, Measurement, Policy and Theory. Information Communication and Society, 24(5), 633–648. https://doi.org/10.1080/1369118X.2021.1874475
Anvari, R., & Janjaria, M. (2023). Contributing Management Factors to Performance Management Effectiveness. Journal of Business & Management, 1(1), 57–68. https://doi.org/10.47747/jbm.v1i1.950
Aryani Luh Ayu, & Yasa, I. N. M. (2021). Gender Empowerment Strategies in Efforts for Gender Equality and Increasing Family Welfare. JOURNAL SCIENTIFIC OF MANDALIKA (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543, 2(6), 215–223.
https://doi.org/10.36312/10.36312/vol2iss6pp215-223
Awalia, R., Syarief, R., & Haryati, T. (2025). Strategies for Devoloping Woman’s Entrepreneurshio in The MSMEs Sector: a Systematic Literature Review. Indonesian Journal of Business and Entrepreneurship, 11(1), 226–237.
Azwar. (2024). Spirit of Zakat for Community Independence: Exploration of Effective Zakat Management Program. Jurnal Ekonomi, Manajemen, Dan Bisnis Syariah, 1(2), 143–158. https://litera-academica.com/ojs/tijarah/article/download/88/65/403
Beloan, B., Rostini, R., Iriani, N., Ilyas, N., Jamaluddin, A., Harniati, H., & Syahribulan,
S. (2023). Pemberdayaan Perempuan Dalam Meningkatkan Kesejahteraan Ekonomi Keluarga. Journal of Training and Community Service Adpertisi (Jtcsa), 3(1), 40–44. https://doi.org/10.62728/jtcsa.v3i1.334
BPS. (2025a). Breadwinners: Fenomena Perempuan Sebagai Pencari Nafkah Utama Keluarga. Cerita Data Statistik Untuk Indonesia, 2(3). https://www.bps.go.id/id/publication/2025/03/27/1c11ddc250d82e97f1eafe29/ceri ta-data-statistik-untuk-indonesia---female-breadwinners--fenomena- perempuan-sebagai-pencari-nafkah-utama-keluarga.html
BPS. (2025b). Sumbangan Pendapatan Perempuan (Persen), 2024. Badan Pusat Statistik. https://www.bps.go.id/id/statistics-table/2/NDY3IzI=/sumbangan-pendapatan- perempuan.html
Dahmiri, D., Bhayangkari, S. K. W., & Fatricia, R. S. (2023). Scarcity cues, fear of missing out, and impulse buying behavior in fashion product: The role of Islamic religiosity. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, 5(2), 67–82. https://doi.org/10.36407/serambi.v5i2.863
Dewi, R., Eliyana, A., & Anwar, A. (2022). The role of women entrepreneurship antecedents in supporting social and economic well-being. Problems and Perspectives in Management, 20(2), 438–447. https://doi.org/10.21511/ppm.20(2).2022.36
Evi, T., & Rachbini, W. (2022). Partial Least Squares (Teori Dan Praktek). In Tahta
Media Group.
Fakhruddin, I., Winarni, D., & Zamakhsyari, L. (2023). Family Financial Management as a Means of Household Welfare and Harmony for Residents. Dinamisia : Jurnal Pengabdian Kepada Masyarakat, 7(5), 1256–1263. https://doi.org/10.31849/dinamisia.v7i5.14725
Fauzi, R. A., Anwar, Y., & Khaerunnisa, I. (2024). The Efficiency of Zakat Management and Its Impact on the Improvement of Mustahik Welfare. 09(02), 157–170. https://doi.org/10.33062/ajb.v9i02.61.Abstract
Ge, T., Abbas, J., Ullah, R., Abbas, A., Sadiq, I., & Zhang, R. (2022). Women’s Entrepreneurial Contribution to Family Income: Innovative Technologies Promote Females’ Entrepreneurship Amid COVID-19 Crisis. Frontiers in Psychology, 13(March). https://doi.org/10.3389/fpsyg.2022.828040
Hastalona, D., Rinanda, T., Ummi, S., Nasution, A., & Bangun, N. B. (2025). Strategi Manajemen Keuangan Keluarga dan Literasi Digital untuk Ibu Rumah Tangga di Era Ekonomi Digital Family Financial Management Strategy and Digital Literacy for Housewives in the Digital Economy Era. 2, 34–44.
Hasyim, F., & Anisa Makruf, S. (2022). Pemberdayaan Perempuan Melalui Gerakan Literasi Di Era Digital. JUKESHUM: Jurnal Pengabdian Masyarakat, 2(1), 46–52. https://doi.org/10.51771/jukeshum.v2i1.175
Hawari, M. D., & Zen, M. (2021). Pengelolaan Zakat Produktif Dalam Meningkatkan Kesejahteraan Umat. Jurnal Manajemen Dakwah, 8(1), 50–69. https://doi.org/10.15408/jmd.v8i1.19929
J. Arsyad, A. A., & Tamrin, U. (2023). Prosiding Konferensi Nasional Literasi Digital dan Kerelawanan (KNLDK) Pemberdayaan Perempuan Pra Sejahtera: Meningkatkan Kapasitas UMKM “Nganre Sambal” dengan Literasi Digital. Akademik Relawan TIK Indonesia, 99–112. https://journal.artika.id/conference/article/download/68/53/356
Khairunnisa, I. (2024). Pemberdayaan Ekonomi Perempuan Di Desa Banjarbendo. Jurnal Ilmiah Ilmu Ekonomi, 6(11), 81–91. https://doi.org/https://doi.org/10.35817/publicuho.v7i4.547
Kumar, B., Ali, S. R., & Kibria, M. G. (2022). International Remittances, Household Welfare, and Women Empowerment. ResearchGate, January 2021, 174–190. https://doi.org/10.4018/978-1-7998-3737-4.ch012
Kurniasai, G. (2025). Strategi Manajemen dalam Meningkatkan Efektivitas dan Efesiensi Organisasi. Jurnal Dinamika Sosial Dan Sains, 2(2), 498–502.
Li, L., Wei, K., Han, J., & Zhu, Y. (2025). Digital empowerment and the development resilience in rural households: causal inference based on double machine learning. Empirical Economics. https://doi.org/10.1007/s00181-025-02767-4
Liu, C. W., Saldanha, T. J. V., & Mithas, S. (2024). Can Digital Skills Empower Disadvantaged Castes and Women? Evidence From India. Productions and Operations Management, 34(4). https://doi.org/https://doi.org/10.1177/10591478241248749
Mackey, A., & Petrucka, P. (2021). Technology as the key to women’s empowerment: a scoping review. BMC Women’s Health, 21(1), 1–12. https://doi.org/10.1186/s12905-021-01225-4
Malanga, D. F., & Banda, M. (2021). Ict Use and Livelihoods of Women Microenterprises in. Proceedings of the 1st Virtual Conference on Implications of Information and Digital Technologies for Development, 2021, 877–889.
Marlina Telaumbanua, M., & Nugraheni, M. (2025). The Role of Housewives in Improving the Family Economy in Waiheru Village RW 004. Sosio Informa, 4(2), 82–99. https://doi.org/10.33007/inf.v4i2.1474
Maryam, S., Indani, Mahyiddin, Z., & Faudiah, N. (2022). Ilmu Kesejahteraan Rumah Tangga (Pertama). Syiah Kuala University Press.
Mawardi, I., Widiastuti, T., Al Mustofa, M. U., & Hakimi, F. (2023). Analyzing the impact of productive zakat on the welfare of zakat recipients. Journal of Islamic Accounting and Business Research, 14(1), 118–140. https://doi.org/10.1108/JIABR-05- 2021-0145
Meherali, S., Rahim, K. A., Campbell, S., & Lassi, Z. S. (2021). Does Digital Literacy Empower Adolescent Girls in Low- and Middle-Income Countries: A Systematic Review. Frontiers in Public Health, 9(December). https://doi.org/10.3389/fpubh.2021.761394
Mengstie, B. (2022). Impact of microfinance on women’s economic empowerment. Journal of Innovation and Entrepreneurship, 11(1). https://doi.org/10.1186/s13731- 022-00250-3
Nopiah, R., & Anggraini, E. D. (2024). Woman’s Labor Participation and Household Welfare: An Empirical Study in Sumatera Island. Kawistara: The Journal of Social Sciences and Humanities, 14(1), 72–85. https://doi.org/https://doi.org/10.22146/kawistara.81011
Nurhidayah, R., Ruswinarsih, S., & Azkia, L. (2023). Profil Istri Sebagai Tulang Punggung Keluarga di Desa Banua Binjai Kabupaten Hulu Sungai tengah. Jurnal Tugas Akhir Mahasiswa Pendidikan Sosiologi, 3(2), 241–254. https://doi.org/10.20527/jtamps.v3i2.10671
Nurlaili Yusna, M. Saifuddin, & Faizal. (2024). Pemberdayaan Masyarakat Melalui Program Zakat Produktif BAZNAS Lampung Utara dalam Meningkatkan Kesejahteraan Masyarakat. Syarikat: Jurnal Rumpun Ekonomi Syariah, 7(1), 123–133. https://doi.org/10.25299/syarikat.2024.vol7(1).16240
Orero-Blat, M., Jordán, H. D. J., & Palacios-Marqués, D. (2022). The Measurement of
Digital Skills and Competences: a Bibliometric Analysis. Intellectual Property Management, 12(2), 185–199. https://doi.org/https://doi.org/10.1504/IJIPM.2022.122297
Peprah, C., Peprah, V., & Ocloo, K. A. (2022). Improving The Socio-Economic Welfare of Women Through Informal Sector Activities in Ghana. Environment, Development and Sustainability, 25(2023), 3005–3028. https://link.springer.com/article/10.1007/s10668-022-02161-5
Per Anders Tengland. (2023). Empowerment: A Conceptual Discussion. Health Care Analysis, 16(2), 77–96.
Purba, T., Sitorus, D. H., & Ompusunggu, H. (2025). Optimizing women ’ s entrepreneurship to enhance family domestic income : a case study of female entrepreneurs in Batam , Indonesia. Journal of Innovation and Entrepreneurship. https://doi.org/10.1186/s13731-025-00489-6
Puspita, C. D., & Agustina, N. (2022). (Consumption Pattern Consumption Patterns, Income Elasticities, and Socio-Economic Variables that Influence Household Consumption Expenditure : Case Study in Bengkulu Province on 2018. Seminar Nasional Official Statistics, 2019(1), 700–709. https://doi.org/10.34123/semnasoffstat.v2019i1.46
Putra, H. (2021). Efektivitas Pemanfaatan Sistem Informasi Manajemen Dinas Tenaga Kerja Kota Palangka Raya. Journal Ilmu Sosial, Politik Dan Pemerintahan, 9(1), 1–7. https://doi.org/10.37304/jispar.v9i1.1134
Qi, J., Li, H., Li, W., Jin, J., & Ye, F. (2024). The Influence of Digital Skills on Farm Households’ Vulnerability to Relative Poverty: Implications for the Sustainability of Farmers’ Livelihoods. Sustainability (Switzerland), 16(19). https://doi.org/10.3390/su16198420
Rahim, W. (2024). Perempuan: Strategi dan Dampaknya pada Pembangunan Ekonomi. Pendidikan Kreatif, V(1), 14–30.
Rahmawati, F. (2024). Efektivitas Pengelolaan Zakat Produktif Melalui Program Balai Ternak Baznas dalam Upaya Meningkatkan Ekonomi Mustahik.
Rodrigues, A. L., Cerdeira, L., Machado-Taylor, M. de L., & Alves, H. (2021). Technological skills in higher education—different needs and different uses [Habilidades tecnológicas en la educación superior: necesidades y usos diversos]. Education Sciences, 11(326), 1–12. https://doi.org/10.3390/ educsci11070326
Sabrina, H. A. (2024). Hubungan Tingkat Efektivitas Program Pemberdayaan dengan Tingkat Keberdayaan Perempuaan Penerima Manfaat ( Kasus : Program Akademi Berdaya oleh LAZ BaitulMaalKu ). In IPB University. https://repository.ipb.ac.id/jspui/bitstream/123456789/156460/1/Cover_I34012010 01_Hana Anugrah Sabrina.pdf
Salamzadeh, A., Dana, L.-P., Ghaffari Feyzabadi, J., Hadizadeh, M., & Eslahi
Fatmesari, H. (2024). Digital Technology as a Disentangling Force for Women Entrepreneurs. World, 5(2), 346–364. https://doi.org/10.3390/world5020019
Saputri, S., Puspitasari, R., Hayati, K., & Hajar, I. (2023). Pengaruh Faktor Sosioekonomi terhadap Kesejahteraan Rumah Tangga di Pulau Jawa. Jurnal Akuntansi, Manajemen, Dan Perencanaan Kebijakan, 1(1), 1–10. https://doi.org/10.47134/jampk.v1i1.8
Sardini, S., & Imsar, I. (2022). Peran Pendistribusian Zakat Produktif Dalam Upaya Pemberdayaan Ekonomi Mustahik Di Baznas Provinsi Sumatera Utara. CERMIN: Jurnal Penelitian, 6(1), 64. https://doi.org/10.36841/cermin_unars.v6i1.1641
Suganthi, & Asokhan. (2021). Decision Making Behaviour of Women Entrepreneurs. International Journal of Social Sciences, 10(4), 351–355. https://doi.org/10.46852/2249-6637.04.2021.8
Sulkiah, S. (2021). Pengaruh Pengelolaan Keuangan dan Pemberdayaan Wanita Nelayan terhadap Kesejahteraan Rumah Tangga. Tsaqofah, 1(3), 175–186. https://doi.org/10.58578/tsaqofah.v1i3.365
Syafrudin, A., Pangestu, F. D., Akrilah, M., & Azzahra, Y. (2023). Mewujudkan Keluarga Sejahtera dari perspektif Psikologis dan Sosial. Jurnal Sarjana Ilmu Pendidikan, 3(2), 98–103. https://doi.org/https://doi.org/10.26877/jsip.v3i2.21584
Syarofi, M. (2022). Pengaruh Pendapatan dan Konsumsi Rumah Tangga terhadap Kesejahteraan Keluarga Petani Cabai Dusun Karangsono Desa Grenden Kecamatan Puger Kabupaten Jember. Jurnal Al-Tsaman, 2(1), 21–40. https://ejournal.uas.ac.id/index.php/Al-tsaman/article/download/305/244
Tukiran, M., Sari, N. P., & Dwibala, G. E. (2025). Perencanaan Strategis Organisasi Pemerintah. PT Kanisius.
Udisha, O., & Ambily Philomina, I. G. (2024). Bridging the Digital Divide: Empowering Rural Women Farmers Through Mobile Technology in Kerala. Sustainability (Switzerland), 16(21), 1–14. https://doi.org/10.3390/su16219188
Vuorikari, R., Jerzak, N., Karpinski, Z., Pokropek, A., & Tudek, J. (2022). Measuring Digital Skills across the EU: Digital Skills Indicator 2.0. In Publications Office of the European Union. https://doi.org/10.2760/897803
Wang, S., Li, C., Wang, Z., & Sun, G. (2023). Digital Skills and Household Financial Asset Allocation. Finance Research Letters, 58(C). https://doi.org/https://doi.org/10.1016/j.frl.2023.104566
Wei, W., Sarker, T., Żukiewicz-Sobczak, W., Roy, R., Monirul Alam, G. M., Rabbany,
M. G., Hossain, M. S., & Aziz, N. (2021). The influence of women’s empowerment on poverty reduction in the rural areas of Bangladesh: Focus on health, education and living standard. International Journal of Environmental Research and Public Health, 18(13), 1–18. https://doi.org/10.3390/ijerph18136909
Wu, K., Zhu, M., & Qu, Y. (2024). The Impact of Digital Technology on Entrepreneurship: Evidence from China General Social Survey. PLoS ONE, 19(9), 1–17. https://doi.org/10.1371/journal.pone.0310188
Yuniarti, R., Hilal, S., & Fasa, M. I. (2023). Pendistribusian Zakat Produktif Dalam Mensejahterakan Mustahik Atas Dana Zakat Yang Dikelola Baznas Provinsi Lampung. EKSISBANK: Ekonomi Syariah Dan Bisnis Perbankan, 7(2), 244–252. https://doi.org/10.37726/ee.v7i2.879
Zakariya, A. F., Syuhana, E., Islam, U., Jawa, M., Rosida, I. N., Tinggi, S., Islam, A., Senori, S., & Jawa, T. (2024). Pengelolaan Zakat Produktif Sebagai Pembangunan Kesejahteraan Masyarakat Secara Berkelanjutan Di Indonesia. Journal of Sharia Economics, 07, 13–31.
Zhang, J., Wang, H., Ji, M., Qi, M., Wang, D., & Yu, K. (2024). The Impact of Digital Skills on Health: Evidence from the China General Social Survey. International Review of Financial Analysis, 96(B). https://doi.org/https://doi.org/10.1016/j.irfa.2024.103739
Zhang, Q., Maru, A., Yang, C., & Guo, H. (2024). Can Internet Use Increase Rural Women’s Income? Evidence from Underdeveloped Areas of China. Sustainability (Switzerland), 16(23), 1–22. https://doi.org/10.3390/su162310546
Zuchroh, I. (2022). Zakat Produktif: Kebijakan Pengelolaan Keuangan Publik sebagai Instrumen Pengentasan Kemiskinan di Indonesia. Jurnal Ilmiah Ekonomi Islam, 8(3), 3067. https://doi.org/10.29040/jiei.v8i3.6387
Downloads
Section
Copyright (c) 2025 Haifa Syukur, Aqifha Putri, Muhammad Nur Alam, Novi Rahmadona, Dhea Amalia; Hilal, Muh. Afwan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
