Role of Bamuis BNI in Empowering the Poor Based on Had Kifayah through the BMUK Programme

This study aims to analyze the role of Yayasan Baitulmal Ummat Islam Bank Negara Indonesia (BAMUIS BNI) in empowering the poor based on Had Kifayah through the Small Business Capital Assistance Program (BMUK) in Pasar Rebo District, East Jakarta. The research focuses on how BAMUIS BNI applies the Had Kifayah concept in determining mustahik eligibility and to what extent the institution contributes to improving beneficiaries’ living standards. A descriptive qualitative approach was employed through in-depth interviews, observation, and documentation. The findings reveal that BAMUIS BNI carries out four main roles: facilitative, educative, representative, and technical. These roles contribute to increasing mustahik income, business skills, and economic independence, although challenges remain in business management, motivation, and market adaptation. This study provides a theoretical contribution to the discourse on zakat-based empowerment and a practical contribution for philanthropic institutions in designing more effective and sustainable economic empowerment strategies

Descriptive research · Empowerment · Financial institution · Human capital · Institution · Islam · Qualitative research · Islamic Finance and Banking Studies · Islamic Finance and Communication · Islamic Studies and Radicalism