This paper emerged with the circulation of news and controversy regarding the cases of BMTs trying to solve the problem of non-performing financing (NPL) by utilizing the distribution of zakat funds. This research aims to analyzing nonperforming loan mambers at BMT who is categorize as a gharimin. This research is a type of descriptive research with qualitative methods. https://bellfordtoysandhobbiers.shop/product-category/figure-kits/