The Impact of The Baznas Microfinance Village Program on Improving The Economic Welfare and Religiosity of Female Heads of Households
Abstract
This study analyzes the impact of the BAZNAS Microfinance Desa (BMD) program on the economic welfare and religiosity of Female Heads of Households (PEKKA) in West Java. Using a mixed-method approach with SEM-PLS analysis and the CIBEST model involving 151 respondents, this study examines the influence of business capital, mentoring, and training. The SEM-PLS results indicate that business capital does not have a significant partial effect on economic welfare, whereas mentoring and training have a significant positive impact, with mentoring being the most dominant variable. Furthermore, the CIBEST analysis confirms the program's success through a drastic reduction in absolute poverty (material and spiritual) from 61 to 6 individuals, alongside a significant increase in the number of beneficiaries in the prosperous quadrant. The study concludes that financial assistance must be bundled with intensive mentoring to ensure sustainable economic independence and spiritual strengthening for PEKKA.
Downloads
Copyright (c) 2026 Muhammad Fathan Izzuddin, Cupian Cupian, Yudi Ahmad Faisal
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
An author who publishes in the EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis agrees to the following terms:
Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
Submission of a manuscript implies that the submitted work has not been published before (except as part of a thesis or report, or abstract); that it is not under consideration for publication elsewhere; that its publication has been approved by all co-authors. If and when the manuscript is accepted for publication, the author(s) still hold the copyright and retain publishing rights without restrictions. For the new invention, authors are suggested to manage its patent before published. The license type is CC-BY-SA 4.0.
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
