Implementation of Sabilillah Entrepreneur Institute, New Institute About Zakat Management for Mustahiq in Malang, Indonesi

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IMPLEMENTATION OF SABILILLAH ENTREPRENEUR INSTITUTE,
NEW INSTITUTE ABOUT ZAKAT MANAGEMENT FOR MUSTAHIQ
IN MALANG-INDONESIA
M. Khoirul Fahmi
Student of State Islamic
University of Maulana Malik Ibrahim of Malang
khoirulfahmi306@yahoo.co.id
085745866448
Abstract
This study explores how the implementation of Sabilillah Entrepreneur Institute
program of LAZIS (Lembaga Zakat, Infaq dan Shadaqah) in Malang-Indonesia, that
took shelter under Sabilillah Foundation. Adopting the qualitative research design,
the study presented in this paper ascertained the development of SEI (Sabilillah
Entrepreneur Institute) implementation, on mustahiq capability of zakat managerial.
In Sabilillah Foundation there are more than 500 mustahiq, and they were very need
entrepreneurial guidance. In order be able to increase their capability about financial
management. By using the design of curriculum for entrepreneurship, they should
master all the subjects on motivation and empowering, business plan, business
management and business marketing. conclusively, the implementation pressure has
a positive impact with good educational curriculum for entrepreneurship and zakat
management, and it helps Mustahiq to be more creative and independent towards
competitive era.
Keywords: Sabilillah Entrepreneur Institute, Zakat Management, Mustahiq,
Entrepreneur Curriculum.

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INTRODUCTION
"Indonesian Gold Generation 2045" is a phrase of hope for Indonesia in the next
100th
year independence. A great hope that is aspired by the Indonesian people,
especially in preparing AEC 2015. In this condition, we really need a movement to
confront AEC 2015 and passion for developing the Indonesian human resources
which the poverty still increases yearly. Badan Pusat Statistik (BPS) of Indonesia
reported that the total of poor people on March 2015 were 28.59 million both in
urban and rural area. When it is compared to September 2014, the total of poor
people were 27.73 million. (BPS, accessed on September 15th
, 2015). In terms of
employment the total of people who are unemployed in August was increasing to 7,
39 million people, or 6, 25% of the total workforce. (Zatnika, accessed on November
6th
, 2013). From these data, we can conclude that people's ability to survive is still
low, especially poor people who need social support that still continue to increase
from year to year.
Poverty is a great danger to human being and not a few people who fall civilization
simply because of indigence. Therefore as the Prophet has said that “poverty was
about to be a kind of disbelief”. (Qadir, 2001) Therefore, the need for proper social
support for the community in order to make the society more productive and
innovative is needed and it can be done through zakat productive implementation.
With zakat, it is hoped that they are able to utilize the grant to create productivity and
financial independence. Then, what is the strategic role to be implemented? This
paper will describe the new program for special mustahiq who want to move and
change economically.
Fiqh of Zakat
Poverty related problems are always increasing in several areas of Indonesia as a
result of the nation's economic slump that does not finish till now. To overcome the
problem of poverty, Islam has a good strategy namely implementing the obligation of
zakat. Allah Subhanahu wa Ta’ala revealed the sharia in the form of zakat for the
Muslims to be able to increase the concern to the needy and poor people. Zakat is
one of the five fundamental obligations of islam. It is an obligatory form of worship
(ibadah) prescribed by Allah Subhanahu wa Ta’ala. Allah commanded in the Qur’an.
“… so establish Salat and give Zakat and hold fast to Allah…” (al-
Hajj, 22:27)
“Zakat is a duty from Allah similar to the duty of salat” (al-Baqarah,
2:43)
Al Yasooi explains that The literal meaning of the word “zakat” is purification and
growth. In keeping with these qualities, Allah has prescribed Zakat as an obligatory
charity, as a duty to Allah, upon every wealthy individual. This charity is prescribed
in order to cleanse the individual‘s wealth, heart, and by extension the society in
general, of the baser characteristics of miserliness, selfishness, greed and materialism

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and replace them with higher qualities of generosity, love, care, and mutual help.
(CIOGC, 2015)
There are eight prescribed categories of recipients of zakat. Allah has determined
these categories in Al-Qur’an.
“Shadaqat are for the poor and needy, and those employed to
administer (the zakat), for those whose hearts are to be won over, and
for the freeing of human beings from bondage, and (for) those who are
burdened with debts, and (for every struggle) in Allah’s cause, and
(for) the wayfarer: (this is) an ordinance from Allah, Allah is All-
Knowing, full of Wisdom.” (al-Taubah, 9:60)
Zakat has a strategic role to fight against poverty and at the same time to develop
economics. Different with financial resources for other development, zakat does not
have a reverse effect and expect any reward except the pleasure of Allah Subhanahu
wa Ta’ala. However, this does not mean that zakat mechanism needs no good control
system. Ridwan mentions that the strategic value of zakat can be seen through: First,
zakat is a religious obligation. It is a reflection of human faith. Second, financial
resources of zakat will never stop. It means that people who pay zakat will never run
out because people have to pay each year or other period of time. Third, empirically
zakat can remove social inequalities and can create asset redistribution and equitable
development.
Institution of Zakat
Zakat is a meaningful institution with a definite religion-socio-economic purpose. It
has its established rules and procedures, structure, standard, and specific functions.
Muslims all over the world practice zakat as an obligatory duty of their religion.
While the payment of zakat is an individual duty, the collection and distribution of
zakat is a collective obligation. Islam has organized the institution of zakat with a
spiritual approach leading to the socio-economic benefit of mankind.
“Allah deprives usurious gain of all blessings, where as he blesses
charitable deeds (shadaqah) with manifold increase” (al-Baqarah,
2:276)
The Central Zakat Committee is an effort to institutionalize Zakat through (CIOGC,
2005);
a) Organized promotion, collection, and distribution of Zakat,
b) Organized assistance to the poor and needy of the community.
c) Pooling of individual Zakat payments for major community projects,
d) Supporting high priority community needs permissible through Zakat.
As part of the mosque services to their attendants, LAZIS Sabilillah of Malang also
do the coaching, mentoring and donations toward Several mustahiq, which of course
that all of these are also in the form of social services to the community, in order to
improve their social welfare and enhance the community resources that can be done.

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through optimization and utilization Zakat, infaq, shadaqah and waqaf, with
trustworthy, transparent and professional management.
ENTREPRENEUR CURRICULUM
Definition of Entrepreneur
According to Dingee (1997) Entrepreneurs are those who are making good use of
resources. they can identify and use expertise and assistance that is relevant to the
accomplishment of their goals. They should involve and be independent in the
achievement of their goals.
Entrepreneurs’ personality traits have also been identified to have impact on
organizational performance (Robinson & Sexton, 1994). Studies also found that
personality traits such as locus of control and ambiguity tolerance that influenced the
business success directly and the business process indirectly (Entrialgo, Fernandez,
& Vazquez, 2000). Kiggundu (2002) later added demographic variables to his study
and found that personality traits have direct influence on the success of African
entrepreneurs. Although studies on personality traits have played an important role in
contributing to the success of entrepreneurs worldwide, nevertheless, personality
traits have been criticized both on theoretical and empirical ground in the study of
entrepreneurship.
Bruno, Leidecker, and Harder (1987) studied ten failed high-technology firms and
concluded that there were three major reasons for the failure: 1) financial difficulties,
2) product or market problems and 3) managerial problems. Hence, entrepreneurs
who have the necessary competencies especially in the area of operations, finance,
marketing and human resources, and management skills required for the business are
more likely to be successful (Prahalad & Hamel, 1990; Swiercz & Spencer, 1992).
Definition of Curriculum
The term ‘curriculum’ has paradoxically a long history despite its recent common
usage. Educators define curriculum in different ways, because they have different
perceptions of what curriculum should be. Some educators see the curriculum as a
list of subjects to be studied, while others see it as an entire course in content (Print,
1987). M skilbeck (1984) “curriculum will be used to refer to the learning
experiences of student, in so far as they are expressed or anticipated in goals and
objectives, plans and designs for learning and the implementation of these plans and
designs in school environments.” Robert zais defines curriculum design as:
‘The arrangement of the components or element of curriculum….
Ordinarily, the components or elements included in a curriculum are
(1) aims, goals and objectives; (2) subject matter or content; (3)
learning activities; and (4) evaluation… thus the nature of these

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elements and the pattern of organization in which they are brought
together as a unified curriculum constitute the curriculum design’
(Zais, 1976)
So, if you want to become an entrepreneur, you need to learn "how" first. You should
look for news up to date, contributed to your believe and underlined the positive
impact of entrepreneurship education (Chrisman, 1997; Peterman & Kennedy, 2003;
Zhao, Seibert, & Hills, 2005). By using curriculum of entrepreneur, several mustahiq
will able to compete and to face ASEAN economic community (AEC) 2015.
Entrepreneurship Curriculum in SEI
In this program, there is a program “be a great entrepreneur in two months”, that is a
curriculum was developed by SEI. The material of class program consist of 50%
theory and 50% practice. However, in its implementation, it gives more emphasis on
practice. While, each opening of recruitment for mustahiq In Sabilillah Entrepreneur
Institute (SEI) every new enrollment for new student (mustahiq), they recruit 12
mustahiq in each class. While, the material that is taught by instructor in Sabilillah
Entrepreneur Institute i.e.:
A. The first month was divided into 2 sessions
Table 01: The first session is conducted for 3 days
The second session is conducted in 2 weeks later, but it is held for 2 days. With the
provisions each mustahiq must collect the form of business proposal draft when
registering in the second session.
Table 02, The second session held for 2 days
First day Second day
To discuss about ideas from mustahiq or
opinions to create new product
Business Marketing :
 Selling skill
 Communication skill
 Creative promotion
First Day Second Day Thirt Day
Mindset Development :
(Motivation,
Empowering)
 Self development
(from zero to hero)
 Winner motivation
 Entrepreneur skill
Business Plan :
 SWOT Analysis
 Creative thinking
 Creating and planning
 Investment
 Project proposal
Business Management :
 Accounting and finance
 Administration
 How to systemize and
develop business?
 Franchising

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 Negotiation skill
B. In the second is concerned with practices
1) Guiding and Coaching Clinic
This guiding and coaching clinic can be understood as assistance services. at
this stage, each participant will be given a guiding book and determined each
associate. This assistance serves to control development of mustahiq.
2) Field Study
Field study was conducted during the second month, because the participants
already have knowledge of entrepreneurship for 1 month ago. Each mustahiq
must carry out a field study in accordance with their proposals, both the study
of the product, how to make it, how to do packaging, and distribution
management and marketing.
METHODS
The participants in this study belonged to mustahiq from Malang society who has
business idea. This project explores the implementation of Sabilillah entrepreneur
institute that will give learning and guidance for mustahiq in order to be productive
mustahiq. To capture the result of first implementation class, researcher conducted
qualitative research design (observation and focus group with participants).
The place is located in LAZIS of Sabilillah Foundation of Malang-Indonesia,
precisely in Sabilillah mosque in the middle of Malang city center i.e. on Ahmad
Yani street No.15 of Malang, East Java. One of Islamic foundation that is build by
Prof. DR. KH. Tolchah Hasan, and this is also known as one of the mosques
monument in the struggle for Independence of Indonesia, this mosque is hope to be a
center of civilization, the center of da’wa, and service centers of people in this
mosque also the center of community empowerment, “Lembaga Amil Zakat Infaq
dan Shadaqah Masjid Sabilillah Malang” or abbreviated LAZIS Sabilillah is operated
for community development under Sabilillah Foundation of Malang. whose mission
to enhance the quality of mosque program and to be an institution that helps to fulfill
the Du’afa rights'.
From “Company Profile” book of Lazis. They have approximately 500 mustahiq and
21 people who set as board of LAZIS and 15 volunteers from student of State Islamic
University of Maulana Malik Ibrahim of Malang. in 2011 till 2015.
One sample consist of 12 mutahiq participant (10 mustahiq who have business and 2
mustahiq who are beginners). The participants were asked to participate in focused
group discussion by their instructors. The mustahiq represents a diverse range of

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mustahiq racially and socio-economically. However, the focus groups participants
were either self-selected or were actively recruited by their forum. Future research
will require a broad sampling strategy to include more diverse mustahiq who are
beginner in focus groups and interviews.
To participate in the study, the instructors have to sign consent forms for the
classroom observations and the interviews. Lazis Sabilillah give freedom for
researcher and volunteers to hold general observations, which does not focus on
individual students, and meet the requirements for this study. Assent forms and
parental consent forms were signed for mustahiq included in the focus groups.
FINDING AND DISCUSSION
Sabilillah Entrepreneur Institute or SEI implements a learning strategy that
emphasizes the important attention the role of mustahiq. How they are able to
develop their capabilities in reality and process of taking part in something. Because,
learning by doing in a real situation is a certainly powerful way of acquiring
information, skill and values (Print, 1987). While, SEI implements these model
learning process more effectively and makes mustahiq know one by one the ways to
be entrepreneur well. The ways can be seen in figure 01.
exposition Interactive
teaching
Small
groups
Individual
lisation
inquiry Models of
reality
Figure 01:teaching-learning strategies
Source: Curriculum development and Design, fourth impression by Murray Print
The principal grouping of SEI learning strategies are:
1. Expository teaching
2. Interactive teaching
3. Small group teaching
4. Inquiry teaching
5. Individualization
6. Models of reality
1. Expository Teaching
This involves the transmission of information in a sigle direction from source to
learning.(Print, 1987) mustahiq are passive receivers of information and knowledge,
cause their mindset will changed by tutor in this step. Like in the first meeting,
First meeting, in the first meeting of SEI was held on September 5th
, 2015. And was
instructed by Dr. Moh Mahpur as the Dien of Psychology faculty in State Islamic
Low reality
High teacher participation
Low learning involvement
High reality
Low teacher participation
High learning involvement

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University of Maulana Malik Ibrahim of Malang. He explains about Mindset
Development (motivation, empowering), Self development (from zero to hero),
Winner motivation, Entrepreneur skill. These lesson focuses on the model to change
and develop mustahiq mindset, and how the way that should done by mustahiq to
manage their capabilities, especially in money saving.
Many mustahiq did not know what they will be done to be entrepreneur. For
example, Mrs. Riyanah as mustahiq in Lazis Sabilillah, she stated
‘Now, I have not business, because my house has changed. Ago, I sold
in the cross of road, thought sold some foods, drink, etc. but now I am
still confuse to decide my new business’
From Mrs. Riyanah saying, we are able to conclude that she is very need a guiding
and knowledge about entrepreneurship. So, in the first meeting she will get method
to manage her capability to be the real entrepreneur.
2. Interactive Teaching
Interactive teaching uses the deliberate encouragement of interaction between
learner and teacher. (Print, 1987) In this step, mustahiq more active to communicate.
Such as the second meeting:
Second meeting, in the second meeting was held on September 12th
, 2015. We
invited Dr. Sigitn Styawadi as th instructur in second meeting about Business Plan:
SWOT Analysis, Creative thinking, Creating and planning, Investment.
In this section, mustahiq pushed on creativity and innovative thinking. The first step
they will be taught about the importance of entrepreneurship and the benefits of
entrepreneurship. The output of this study in the second session which they are
capable to;
a) Being able to join in the world of investment
b) Analysis and creativity of the business potential
c) Designing and developing businesses
d) Ability to manage their financial and business administration
In this section, we can call “business idea jam”. Like Zusatzausbildung
Entrepreneurship program from German, CEE 2009. While, Providing guidance for
and opportunities for the practical application of finding an idea and following it up
through each step, from idea generation to evaluation. With respect to finding a
business idea, an idea jam will be organised which represents initial preparation for
an internal idea competition. After finding a business idea, the mustahiq become
familiar with the application of ideas in different circumstances.
3. Small Group and Inquiry Teaching

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The advantages of small group teaching revolve largely around the interactive
benefits acquired by mustahiq. Because, by using small group and inquiry teaching
involves learnings in four stages of relatively independent activities of mustahiq.
a) Problem awareness of mustahiq
b) Forming tentative hypotheses or answers the problem
c) Research and collection of data
d) How we get conclusion based on the evidence collected
Third meeting, transforming and discuss about how we can share and promote our
products in competitive era. In the AEC 2015, we will face more competitive product
thought in price and quality. In this opportunity, material that presented are Business
Marketing, Selling skill, Communication skill, Creative promotion and Negotiation
skill. Was delivered by M. Fatkhur Rozi, S. E., M.M. on the last week of September
2015.
At this meeting, like Mrs. Kunafa start planning itself to be an entrepreneur, this is
the result of training in the last meeting. By using SWOT analysis, Mrs. Kunafa
starts to promotes her logical, rational thinking and systematic approaches to
decision-making. Like said Mrs. Kunafa;
‘Alhamdulillah, Now I am start to trying soy milk industry, yesterday I
learned and saw that there is opportunity that many schools around my
house. So, finally I decided to make soy milk business’
4. Individualization and Models of reality
By Involved mustahiq to know more about the entrepreneur deeply, mustahiq invited
to see and learn directly to the successful entrepreneur. This is step of 70% of theory,
through models of reality they will be finalized again to exchange their scientific
opinions and knowledge.
Individualization by using coaching clinic, this step emphasizes all of mustahiq to
Evaluate Themselves and always increase of their capability in entrepreneurial
character. Such as that was coached by volunteers, about the spirit of mustahiq and
experience progress. Through the reflection questions like "Write the experience of
self-advancement that has been manifested?” So, from this Question the mustahiq
will able to integrate theories with their ambition to be achieved.
And the last, Models of Reality are very powerful learning strategies and their
advantages are numerous (Print, 1987). By using observe, imitate and modifications
will provide new experience for the mustahiq to more know directly about the
excellent products that can compete in globalization era. They will be introduced to
the real world that combine some theories that they have learned during the training a
month ago. Like all of mustahiq was done in several places of success mustahiq in
Malang.

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In this section, we can call “Business Modeling and Excursions”. Like
Zusatzausbildung Entrepreneurship program from German, CEE 2009. Business
modeling, Presentation of different kinds of business models, mustahiq
embeddedness in the context of society. their framework and examples of different
branches and Identification of what characterizes successful entrepreneurs.
Excursions, mustahiq learned from some companies, entrepreneurs or institutions to
provide the examples of entrepreneurship and learn directly from entrepreneurs.
Professional Mustahiq, (From zero to hero)
And finally, mustahiq will get a real science to become a Muslim entrepreneur in the
future. Like figure 02, Output and model of SEI implementation (Source: Author).
Figure 2: Output and model of SEI implementation
Success Mustahiq
Volunteer of SEI LAZIS Sabilillah
1. Under LAZIS Sabilillah
2. Guidance and consultancy
3. Concept and technic
1. As laboratory and facilitator
of program from volunteer
2. coordinator, communicator
3. Proud of technic
1. Has global mindset
2. Has develop financial
3. Has socio-entrepreneur
program

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CONCLUSION
Results of this study showed a significant relationship between the implementation of
Sabilillah Entrepreneur Institute (SEI) of Malang with mustahiq motivation to
becomes a successful entrepreneur. This means that zakat distributed by muzakki to
LAZIS Sabilillah had been used well and in professional way. Through education,
training and mentoring that will continue to create the successful entrepreneur. So, if
zakat was distributed correctly, it will increase revenue of mustahiq, in other word,
if we give more motivation, the success rate of mustahiq will increase higher than
before.
Exactly, this curriculum of entrepreneur in Lazis Sabilillah of Malang is not just for
mustahiq. But, in the next era, SEI hopes that this program also implement for all of
people around Malang city and people in Indonesia in generally
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