This is the slide presentation I used when I presented my paper in the International Zakat Conference 2011.

1. FACTORS AFFECTING ZAKAT PAYMENT THROUGH
INSTITUTION OF AMIL: CASE STUDY OF BADAN
AMIL ZAKAT NASIONAL (BAZNAS)
By:
Qurroh Ayuniyyah
Fithriyyah Shalihati
PRESENTED AT INTERNATIONAL ZAKAT CONFERENCE
IPB INTERNATIONAL CONVENTION CENTRE (IICC)
BOGOR, JULY 19-21, 2011

2. OUTLINE
Introduction
Literature Review
Methodology
Results and Analysis
Conclusion

3. INTRODUCTION
• Zakat has an important role for humankind, from
econonomic and social perspectives.
1 • “...In order that it may not (merely) make a circuit
between the wealthy among you..” (Al-Hasyr: 7)
• Zakat is more recommendable managed by amil.
• In Indonesia, BAZNAS was established to control
2 national zakat.
• The potential of zakat in Indonesia is very promising
(3.4% of GDP), but the realization is only less than
1% of its potential.
3 • This shows the awareness of Muzaki to pay zakat
trough amil is still poor.

4. Table 1. The Potentiality of Zakat in Indonesia (BAZNAS and FEM IPB, 2011)
Description Potential Zakat Percentage towards GDP
Potentiality of Household Zakat Rp 82.7 trillion 1.30%
Potentiality of Private Industry Zakat Rp 114.89 1.80%
trillion
Potentiality of State Owned Enterprises Rp 2.4 trillion 0.04%
Zakat
Potentiality of Saving Zakat Rp 17 trillion 0.27%
Total of Potential National Zakat Rp 217 trillion 3.40%
Table 2. Actual Collection of Zakat in Indonesia (BAZNAS Annual Report)
Year Actual Zakat
2006 Rp 774,163,631,749
2007 Rp 717,476,576,984
2008 Rp 725,117,246,664
2009 Rp 1,115,000,000,000
2010 Rp 1,500,000,000,000

5. INTRODUCTION
Therefore, this paper tries to analyze the
factors that determine muzaki to pay zakat
through the institutions by taking case study
of BAZNAS.

6. LITERATURE REVIEW
• Basic Concept of Zakat
• Marketing Mix Concept
• Previous Studies regarding factors determine
zakat payment of Muzaki

7. METHODOLOGY (1)
• Place and Time of Research
BAZNAS at Jl. Kebon Sirih Raya No. 57, Jakarta Pusat,
Indonesia, on December 2009 to February 2010.
• Research Approach
Descriptive analysis with survey research approach
(interview and questionnaire).
• Analytical Method
Descriptive Statistics and Binary Logistic Regression
Model .

8. METHODOLOGY (2)
• Population and Sampling Methods
The number of respondents is 200 people based on this calculation:
Non-Poor People Population in Jakarta
= The total number of Jakarta Residents – The total number of poor
people in Jakarta
= 8,961,680 – 407,100
= 8,554,580
Thus, the total number of Muzaki in Jakarta is 8,554,580 people.
Slovin formula: n = N/ 1 + (Ne2) = 178 ≈ 200 respondents.
100 from Institutional Muzaki (IM) and 100 from Non-Institutional
Muzaki (NIM).

9. Expectation Variables and Operational Definition
No Product Attribute
Product
B1 Amil institution should have products based on zakat qualification and requirement.
B2 Amil institution should be trustable.
B3 Amil institution should be transparent.
Place/Distribution
B4 To make zakat payment and distribution easier, amil officers should have a lot of network.
B5 Amil office should be located in the strategic places.
B6 Zakat should be equally disbursed to all parts of Indonesia.
People
B7 Amil officers should be friendly.
B8 Amil officers should be well informed about zakat.
B9 Amil officers should be professional.
Process
B 10 Amil institution should provide different payment methods.
B 11 Administration of zakat payment should be easy.
B 12 Zakat collection process should be easy.
Promotion
B 13 Promotion program of amil institution should be attractive.
Promotion program of amil institution should trigger muzaki’s curiosity to learn about zakat through amil
B 14
institution.
B 15 Promotion program of amil institution should clearly explain about the products.
Physical Evidence
B 16 Zakat disbursement should be equal to mustahik in Indonesia.
B 17 Zakat institution should report the program.
B 18 Zakat institution should have government certificate.

10. Confidence Variables and Operational Definition
No Product Attribute
Product
C1 I am confident that BAZNAS has products that are compatible with the zakat qualification and requirement.
C2 I am confident that BAZNAS is trustable.
C3 I am confident that BAZNAS is transparent.
Place/Distribution
C4 I am confident that BAZNAS has a lot of network.
C5 I am confident that BAZNAS is located in the strategic place.
C6 I am confident that the disbursement of zakat has been equal and good.
People
C7 I am confident that BAZNAS officers are friendly.
C8 I am confident that BAZNAS officers are well informed about zakat.
C9 I am confident that BAZNAS officers are professional.
Process
C10 I am confident that BAZNAS provides different payment methods.
C11 I am confident that administration of zakat payment in BAZNAS is easy.
C12 I am confident that zakat collection process by BAZNAS is easy.
Promotion
C13 I am confident that BAZNAS’ promotion is attractive.
I am confident that that BAZNAS’ promotion triggers muzaki’s curiosity to learn about zakat through amil
C14
institution.
C15 I am confident that BAZNAS’ promotion has clearly explained about the products.
Physical Evidence
C16 I am confident that zakat collected by BAZNAS has been equally disbursed.
C17 I am confident that BAZNAS always reports its programs.
C18 I am confident that BAZNAS has government certificate.

11. Results and Analysis

12. Demographic Characteristics of the
Respondents
1. Most of the respondents are male (IM 79% and NIM 64%)
and married (IM 81% and NIM 86%).
2. More than 40% are in productive age (above 36 years old)
and bachelor and post-graduate certificate holders (more
than 80%).
3. Most of them have various occupation including
entrepreneur, private sector as well as public sector, earning
Rp 7,500,000 – Rp 10,000,000 and above Rp 15,000,000 per
month, and spending Rp 7,500,000 – 10,000,000 per month.

13. Binary Logistic Regression Model

14. Table 3. Expectation Variables
Expectation Variables Sig. Odds Ratio 95.0% C.I.for Odds Ratio
Constant 0.534 0.204 Lower Upper
Place.B5 0.002 2.316 1.363 3.937
Place.B6 0.018 0.446 0.228 0.870
People.B8 0.048 0.564 0.320 0.995
People.B9 0.000 3.601 2.003 6.473
Physical_Evidence.B17 0.025 2.010 1.092 3.698
Physical_Evidence.B18 0.045 0.485 0.239 0.984
There are 6 significant expectation variables
affecting zakat payment  3 variables have positive
relationships and 3 have negative relationships.

15. • Positive expectation variables made respondents tend
to choose Amil Institution to pay zakat:
1. The location of amil office (Place B5).
2. Professionalism of amil officers (People B9).
3. Report of amil institution’s program (Physical_Evidence.B17)
• Negative expectation variables made respondents tend
to pay zakat directly to the Mustahik:
1. Zakat distribution (Place B6).
2. Knowledge of amil about zakat (People B8).
3. Government certificate (Physical_Evidence.B18)

16. Table 4. Classification of Expectation Variables
Predicted
Table Classification
Decision Percentage
Decision Non Institution Institution
Non Institution 75 25 75%
Institution 30 70 70%
Overall Percentage 72.50%
1. It is predicted that there will be 25 people of 100 people
will change zakat payment from non-institution to
institution of amil.
2. There will be 30 percent of institutional muzaki will
change the zakat payment to non-institution.

17. Table 5. Confidence Variables
Confidence Variables Sig. Odds Ratio
95.0% C.I.for Odds Ratio
Constant 0.000 12.158 Lower Upper
Product.C1 0.033 3.111 1.098 8.809
Product.C3 0.006 0.155 0.041 0.589
Place.C4 0.000 0.035 0.008 0.157
Place.C5 0.001 6.572 2.145 20.137
Place.C6 0.012 0.192 0.053 0.700
People.C7 0.004 0.180 0.057 0.569
People.C8 0.052 4.689 0.985 22.314
Promotion.C13 0.051 2.396 0.995 5.770
Promotion.C15 0.000 0.076 0.018 0.323
There are 9 significant confidence variables
affecting zakat payment  4 variables have positive
relationships and 5 have negative relationships.

18. • Positive confidence variables made respondents tend to
choose Amil Institution to pay zakat:
1. Products compatibility with the zakat qualification and
requirement (Product C1).
2. The strategic location (Place C5).
3. The knowledge of amil (People C8).
4. The attractive promotion (Promotion C13).
• Negative expectation variables made respondents tend to
pay zakat directly to the Mustahik:
1. The transparency of BAZNAS (Product C3).
2. The network (Place C4).
3. Zakat disbursement (Place C6).
4. The friendliness of the officers (People C7).
5. The product explanation in the media of promotion
(Promotion C15).

19. Table 6. Classification of Confidence Variables
Predicted
Table Classification
Decision Percentage
Decision Non Institution Institution
Non Institution 96 4 96%
Institution 5 95 95%
Overall Percentage 95.50%
1. It is predicted that there will be 4 percent of 100 non-
institutional muzaki will move to the institutional muzaki.
2. There will be 5 people over 100 people will move from
institutional zakat payment to the non-institutional zakat
payment.

20. CONCLUSION
• This paper tries to analyze the factors that determine muzaki to pay zakat through
the institutions by taking case study of Badan Amil Zakat Nasional (BAZNAS). 200
respondents have been selected and interviewed using in-depth interview
1 technique.
• From expectation of muzaki, there are three factors that are positively affecting
muzaki to pay zakat through amil institution, i.e. the strategic location,
professionalism of amil officers, and report of amil institution’s program.
2 • Three expectation factors that negatively relate to the zakat payment through amil,
i.e. zakat distribution, knowledge of amil about zakat, and government certificate
• From the muzaki’s confindence perspective, there are four factors positively affecting zakat
payment through amil; i.e. products compatibility with the zakat qualification and requirement,
the strategic location, the knowledge of amil, and the attractive promotion.
• There are five factors that are negatively relate to the zakat payment through amil institution;
3 i.e. the transparency of BAZNAS, the network, zakat disbursement, the friendliness of the
officers, and the product explanation in the media of promotion.

21. THANK YOU