BAZNAS

What BAZNAS does

BAZNAS (Badan Amil Zakat Nasional) is Indonesia's statutory national body for the collection and distribution of Islamic alms (zakat), infak, and sedekah, operating under Law No. 23 of 2011. Headquartered in Jakarta Timur with 501-1000 employees and offices spanning 23 provinces, 150+ regencies/cities, and 56 city-level offices, the organization coordinates a nationwide network of 450+ officially recommended Lembaga Amil Zakat (LAZ) partners and embedded UPZ (Unit Pengumpul Zakat) workplace collection units. Its core operations center on collecting mandatory and voluntary Islamic contributions from individual Muslims (muzaki) and corporate entities, then distributing these funds across eight asnaf (mustahik) categories through humanitarian, economic, educational, health, and disaster-response programs, with average annual collections reaching Rp1.2 trillion.

BAZNAS operates a unified digital philanthropy platform consisting of multiple integrated products: the Zakat Digital Platform (bayarzakat) enabling online payments across all zakat types (Fitrah, Mal, Penghasilan, Perusahaan, Emas, Saham); Kalkulator Zakat for obligation calculation; Konfirmasi Zakat for bank-transfer verification and Bukti Setor Zakat (BSZ) tax-deductible receipt issuance; Kurban Online for Eid al-Adha sacrifice programs; and specialized services such as Zakat Karyawan (employee zakat) and UPZ (organizational collection units). The platform's technological foundation is a digital zakat management system with integrated payment gateway supporting virtual accounts across BCA, BNI, Permata, Mandiri, BSI, Bank Muamalat, Bank Kalsel Syariah, e-wallets (GoPay), and bank transfer confirmations via WhatsApp.

Revenue mechanics derive primarily from gross donation collection (Rp1.2T annual average) rather than traditional pricing for products. The go-to-market model combines an API-first multi-channel digital collection infrastructure (hundreds of virtual accounts, e-wallets, mobile banking integrations), direct online platforms (baznas.go.id and regional subdomains), mobile/WhatsApp-based services, and a field collection network via UPZ units embedded in workplaces, military installations, and government institutions. Mandatory zakat rates are fixed at 2.5% above nisab thresholds, with no discretionary pricing; donations above mandatory obligations (infak, sedekah) are voluntary. Customer segments are dual-sided: donors (muzaki) comprising individual Muslims (70% aged 18-40) and corporate entities, and recipients (mustahik) across the eight asnaf categories receiving distributions across Social, Economic, Dakwah, and Advocacy programs.

Name

BAZNAS

Legal name

Badan Amil Zakat Nasional

Website

https://baznas.go.id

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

501–1,000 employees

Short description

BAZNAS is Indonesia's statutory national body for collecting and distributing Islamic alms (zakat, infak, sedekah), operating a digital payment platform across 23 provinces and 450+ partner organizations to serve individual Muslim donors and corporate entities while distributing to eight asnaf recipient categories.

Ownership category

akta.pro rank

Product category

Islamic Philanthropy and Zakat Management

NAICS

Religious, Grantmaking, Civic, Professional, and Similar Organizations (813), Grantmaking and Giving Services (81321), Other Grantmaking and Giving Services (813219)

SIC

Finance Services (6199)

akta.pro primary industry

Shariah Governance, Compliance & Advisory (Shariah Boards, Audit, Fatwa) (FSABAGAJ)

akta.pro secondary industry

Islamic Treasury, Liquidity & Interbank (Commodity Murabaha, Sukuk Liquidity) (FSABAGAK)

Keywords

• National zakat collection
• Alms distribution services
• Islamic philanthropy management
• Social welfare programs
• Charity fund administration

Headquarters

HQ city

Matraman

HQ country

Indonesia

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Zakat Collection and Distribution: BAZNAS collects obligatory Zakat (zakat mal, zakat fitrah, zakat penghasilan, zakat perusahaan, zakat perdagangan, zakat emas, zakat saham) from muzaki (donors) and distributes to eight asnaf (mustahik) categories including the poor, orphans, debtors, and converts. Average annual collection reaches Rp1.2 trillion.
2. Infak and Sedekah: Voluntary charitable contributions collected from donors and channeled into humanitarian, economic, educational, and disaster response programs.
3. Fidyah Collection: Compensation collected from Muslims who are unable to fast during Ramadan, distributed to eligible recipients.
4. Kurban (Sacrifice) Program: Collection and distribution of qurban animals during Eid al-Adha, including the ZChicken empowerment program where mustahik receive chicken farming outlets.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

BAZNAS collects, manages, and distributes Islamic alms (zakat, infak, and sedekah) from individual Muslim donors to verified beneficiaries (mustahiq) across Indonesia. It operates a Digital Zakat Management Platform enabling online payment of zakat, and disburses funds through nationwide programs spanning economic empowerment, education, health, and disaster response.

Product overview

BAZNAS operates a unified Islamic philanthropy platform consisting of multiple digital services for Zakat, Infak, and Sedekah collection and distribution. The core offerings include the Zakat Digital Platform (enabling online Zakat payments across all types including Fitrah, Mal, Penghasilan, Perusahaan, Emas, and Saham), Kalkulator Zakat (for calculating Zakat obligations), Konfirmasi Zakat (for transaction verification and official receipt issuance), Kurban Online (for Eid al-Adha sacrificial animal programs), and specialized services for corporate Zakat collection (Zakat Karyawan) and organizational Zakat units (UPZ). The platform is accessible through a nationwide network of over 220 regional BAZNAS portals for provincial and city-level offices, with integrated payment channels including virtual accounts from major Indonesian banks, e-wallets, and bank transfers. Additional services include Jemput Zakat (home pickup), payment confirmation via WhatsApp, and tax deduction support through Bukti Setor Zakat (BSZ).

Differentiator

Problem solved

Functional benefit

Products and services

• Zakat Collection Service

Quantifiable outcome

• Rp1.2 trillion average annual collection with digitally integrated payment system
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• IAIN (Institut Agama Islam Negeri) NetworkcoreStrategic or Co-development Partner18 Islamic State Universities (IAIN) partner with BAZNAS through the LAZ Pendidikan network, offering Zakat and Waqf study programs. Partner institutions include IAIN Bengkulu, IAIN Langsa, IAIN Palangkaraya, IAIN Surakarta, IAIN Batusangkar, IAIN Kudus, UIN Sunan Ampel Surabaya, and others, enabling academic programs and professional development in zakat management.
• Majelis Ulama Indonesia (MUI)coreStrategic or Co-development PartnerMUI serves as a key Islamic institutional partner providing religious authority and guidance for BAZNAS's halal certification, fatwa alignment, and Sharia compliance framework for all distribution programs.
• Lembaga Amil Zakat (LAZ) NetworkcoreChannel Partner/ Reseller/ DistributorOver 450 LAZs hold official recommendations from BAZNAS and operate at national, provincial, and municipal levels including Dompet Dhuafa Republika, LAZISMU (Muhammadiyah), Baitul Maal Hidayatullah, Dana Sosial Al Falah Surabaya, Rumah Zakat, and others. They collect and distribute zakat under BAZNAS coordination.
• UPZ TNI AU (TNI Angkatan Udara) BasegroupminorChannel Partner/ Reseller/ DistributorUPZ at TNI AU Basegroup such as UPZ TNI AU Syamsudin Noor serve as workplace-based collection units (Unit Pengumpul Zakat) embedded in military installations, collecting employee zakat and channeling through BAZNAS Kota Banjarbaru.
• Islamic Financial Institutions (Bank BRI, BSI, Bank Muamalat, Bank Kalsel Syariah)coreChannel Partner/ Reseller/ DistributorMultiple Islamic and conventional banks serve as banking partners providing official BAZNAS collection accounts for Zakat, Infak, Sedekah, and Kurban donations. Accounts include BRI, BSI, Bank Kalsel Syariah, Bank Muamalat for donor convenience and financial transparency.
• Bank IndonesiacoreStrategic or Co-development PartnerBAZNAS collaborated with Bank Indonesia to develop the 'Indeks Kesiapan Digital OPZ' (Digital Readiness Index for Zakat Managing Organizations), published in 2021, providing standardized measurement tools for digital transformation in Indonesia's zakat ecosystem.
• Kementerian Ketenagakerjaan RI (Kemnaker)coreStrategic or Co-development PartnerBAZNAS RI signed a strategic cooperation with Kemnaker (Ministry of Manpower) to increase mustahik welfare through vocational training programs and employment opportunities for underprivileged communities.
• MNC SekuritasminorGTM or Marketing PartnerPartnership with MNC Sekuritas to integrate zakat services and stock-based infak (share charity) through MotionTrade platform, enabling Muslim investors to pay infak directly from their investment accounts.
• Henan Sekuritas and Bursa Efek Indonesia (BEI)minorGTM or Marketing PartnerBAZNAS, Henan Sekuritas, and Indonesia Stock Exchange (BEI) co-organized 'Muzaki & Investor Gathering 2025' combining sharia investment and philanthropy to promote stock-based infak among Muslim investors.
• Le MineraleminorGTM or Marketing PartnerBAZNAS partnered with mineral water brand Le Minerale and Masjid Istiqlal to install plastic bottle recycling dropboxes, supporting environmental sustainability while generating charitable donations.
• Kao IndonesiaminorGTM or Marketing PartnerBAZNAS and Kao Indonesia jointly organized PHBS (Perilaku Hidup Bersih dan Sehat) education and orphan sponsorship programs at Masjid Istiqlal.
• Yonif 201/JY (Indonesian Army Battalion)minorGTM or Marketing PartnerBAZNAS and Yonif 201/JY distributed thousands of Ramadan iftar meals in East Jakarta as part of their collaborative community service and charity programs.
• BCA SyariahminorChannel Partner/ Reseller/ DistributorBAZNAS entered a cooperation agreement with BCA Syariah to simplify ZIS services through the bank's digital banking channels for easier and more accessible donation payments.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PKPU Human Initiative: National LAZ with humanitarian, disaster response, and community development programs; operates digital zakat collection and corporate CSR channels comparable to BAZNAS's UPZ and program distribution model.
• Dompet Dhuafa Republika: One of Indonesia's largest private LAZs operating nationally with zakat, infak, and program-based fundraising across humanitarian, health, and economic empowerment verticals — directly competing with BAZNAS for muzaki share within the same regulatory LAZ framework.
• Rumah Zakat: National LAZ with a strong digital fundraising platform and nationwide community development programs, comparable to BAZNAS in target donors (individual muzaki), product mix (zakat/infak), and multi-channel collection infrastructure.
• Baitul Maal Hidayatullah (BMH): National LAZ affiliated with the Hidayatullah Islamic movement, collecting and distributing zakat, infak, and waqf across humanitarian and education programs — directly comparable in scale, donor profile, and Shariah-compliant distribution model.
• LAZISMU (Muhammadiyah): Zakat management body of the Muhammadiyah movement, one of Indonesia's largest Islamic organizations; competes with BAZNAS for both individual and corporate muzaki through an extensive mosque and university-affiliated distribution network.
• Yayasan Baitul Maal Muamalat: Shariah-compliant zakat and infak collection institution affiliated with Bank Muamalat; competes with BAZNAS for individual and corporate muzaki, particularly through bank-linked payroll deduction channels.

Others

• Bank Syariah Indonesia (BSI): Indonesia's largest Islamic bank and a BAZNAS channel partner for ZIS collection; comparable as an institutional node in the Islamic finance ecosystem and a potential competitor/partner for sharia-aligned philanthropy products.

Broad incumbents

• Islamic Relief Worldwide Indonesia: Global Islamic humanitarian organization with Indonesian operations collecting zakat for international and domestic programs; comparable in Shariah-compliant fund management and disaster response verticals to BAZNAS's kebencanaan program.

Regional players

• Wakaf (Waqf) Indonesia / BWI: Indonesia's Waqf Board (Badan Wakaf Indonesia) manages Islamic endowment assets nationally; comparable to BAZNAS as a government-mandated coordinator for another category of Islamic philanthropy, with overlap in Shariah governance and donor-facing infrastructure.

Emerging players

• Zakat Indonesia (Yayasan Dompet Sosial Madani): National LAZ focused on digital-first zakat collection and youth donor engagement, directly comparable to BAZNAS's 18-40 donor segment strategy and payment-channel integration approach.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/badanamilzakat
• Instagraminstagram.com/baznas_bjb
• Xx.com/baznasindonesia
• LinkedInlinkedin.com/company/baznas-indonesia

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about BAZNAS