Estate planning constitutes a critical component of financial and personal management for Muslims in Malaysia, ensuring that the administration of assets during one’s lifetime and the distribution of wealth upon death are systematically implemented in accordance with Shariah principles. In response to the rising number of unresolved inheritance cases, hibah has increasingly emerged as a prominent and effective instrument in Islamic estate planning. The central issue, however, concerns the extent to which the existing types and products of hibah are capable of addressing the diverse needs of the Muslim community in Malaysia. Accordingly, this study seeks to examine the innovations and variations of hibah products offered by financial institutions and estate planning agencies in Malaysia, while also evaluating their implications for Islamic wealth management. Employing a qualitative research approach, the study conducts content analysis of official documents, product brochures, institutional websites, and relevant academic literature. The findings indicate that innovation in hibah practices in Malaysia encompasses the adoption of digital technology and the enhancement of conditional flexibility. Various forms of hibah, such as absolute hibah, conditional hibah and trust-based hibah, are also applied to meet the needs of society. However, its implementation continues to face several challenges, including low public literacy, high administrative costs and issues related to Shariah compliance. Overall, the innovation and diversification of hibah products have the potential to strengthen Islamic wealth planning and reduce the risk of inheritance disputes. This study also recommends that further research be conducted to evaluate the impact of digital technology, particularly online hibah platforms on the efficiency, security and overall effectiveness of the hibah process in Malaysia.

KEYWORDS
Hibah, Estate Planning, Product Innovation, Product Variation

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