STRATEGI PENGELOLAAN ZAKAT, INFAQ DAN SEDEKAH (ZIS) BAZNAS UNTUK MENINGKATKAN PENDAPATAN PEDAGANG KAKI LIMA (PK-5) DI TULUNGAGUNG

Abstract

There are many micro business sectors or small traders in Tulungagung who still lack the capital to run their business. At this time, small traders really need loans without collateral or interest. In this day and age it must be very difficult to find a loan without collateral or without capital. BAZNAS Tulungagung itself created a Revolving Capital Assistance Program for Street Vendors (PK-5) aimed at traders who still lack capital for their businesses. PK-5 assistance is assistance without collateral and without interest. Loans can be in the form of assistance for good causes for the benefit of the people. The focus of this study is directed at: 1. How is the ZIS BAZNAS management strategy in developing the business of street vendors in Tulungagung Regency?, 2. How is the effectiveness of ZIS BAZNAS assistance in increasing the income of street vendors in Tulungagung Regency?, 3. How is the evaluation of ZIS assistance in terms of increase the income of street vendors in Tulungagung Regency. The method used in this research is a qualitative method with a descriptive approach. The presence of researchers, research locations at the Tulungagung BAZNAS Office and at the PK-5 revolving capital assistance beneficiary's house, the number of informants was 4 informants. Data collection procedures with observation, documentation and interviews. The results of the study show that: 1. Street vendor revolving capital assistance (PK-5) is one of the BAZNAS field programs for community economic development. This assistance is specifically for traders who still lack capital for their business. This assistance is in the form of capital loan assistance without collateral and without definite interest. This capital assistance is very necessary for small business actors who are still having difficulty developing their business, especially nowadays it is certainly difficult to find loans without collateral or interest. 2. This PK-5 revolving capital assistance has proven to be very effective for traders who are still short on capital. 3. BAZNAS always evaluates each of its programs, especially this PK-5 assistance, BAZNAS provides evaluations such as monitoring or direct review of recipients. As well as providing guidance on business development for customers. Even for customers who are orderly in paying installments, BAZNAS also provides assistance in the form of carts for street food.