[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”3.0.74″ background_color=”#0c71c3″ custom_padding=”0px|0px|0px|0px”][et_pb_fullwidth_header title=”Journal of Contemporary Islamic Law” subhead=”No eISSN: 0127-788X” scroll_down_icon_size=”20px” title_font_color=”#ffffff” subhead_font_color=”#ffffff” _builder_version=”3.19″ title_font=”|on|||” title_text_color=”#ffffff” title_font_size=”40px” content_font_size=”10px” subhead_text_color=”#ffffff” subhead_font_size=”20px” background_color=”#0c71c3″ parallax=”on” parallax_method=”on” custom_margin=”-30px||-30px” button_one_letter_spacing_hover=”0″ button_two_letter_spacing_hover=”0″ saved_tabs=”all” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”on” button_one_letter_spacing__hover=”0″ button_two_letter_spacing__hover_enabled=”on” button_two_letter_spacing__hover=”0″ button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” _builder_version=”3.0.47″][et_pb_column type=”1_3″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_blurb title=”2018 3(2)” url=”https:\/\/www.ukm.my\/jcil\/jcil-2017-2-2\/” use_icon=”on” font_icon=”%%40%%” icon_color=”#0c71c3″ use_circle=”on” circle_color=”#ffffff” use_circle_border=”on” circle_border_color=”#0c71c3″ icon_placement=”left” _builder_version=”3.19″ header_text_color=”#0c71c3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width_tablet=”50px”]<\/p>\n
30 DECEMBER 2018<\/p>\n
[\/et_pb_blurb][et_pb_image src=”https:\/\/www.ukm.my\/jcil\/wp-content\/uploads\/2018\/12\/Cover-JCIL-2018-Vol.-32-Muka-Depan.gif” _builder_version=”3.19″ animation_style=”slide” animation_direction=”left” animation_duration=”500ms” animation_intensity_slide=”10%”][\/et_pb_image][\/et_pb_column][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_row_inner admin_label=”Row” _builder_version=”3.19″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”2_3″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”on” parallax=”off” parallax_method=”on”][et_pb_text admin_label=”Tajuk” _builder_version=”3.19″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Penulis” _builder_version=”3.19″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left”]<\/p>\n
Nik Abdul Rahim Nik Abdul Ghani, <\/strong>nikrahim@ukm.edu.my,<\/a>\u00a0<\/em>Nurul Ilyana Muhd Adnan, <\/strong>ilyana_adnan@ukm.edu.my,<\/a>\u00a0<\/em>Ahmad Dahlan Salleh, <\/strong>dahlan@ukm.edu.my,<\/a>\u00a0<\/em>Salmy Edawati Yaacob, <\/strong>salmy1001@ukm.edu.my<\/a>\u00a0<\/em> [\/et_pb_text][et_pb_text admin_label=”Volume & PDF” _builder_version=”3.19.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left”]<\/p>\n 2018, Vol. 3(2), pp. 28-36. \u00a0| \u00a0PDF<\/a><\/a><\/p>\n [\/et_pb_text][et_pb_tabs admin_label=”Abstract & References” _builder_version=”3.19″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_tab title=”ABSTRAK” _builder_version=”3.7″ tab_font=”||||” tab_line_height=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” body_font=”||||” body_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em” background_size=”initial” background_position=”top_left” background_repeat=”repeat”]<\/p>\n Takaful mikro merupakan salah satu manifestasi prinsip rangkuman kewangan dalam sesebuah negara. Ia bertujuan membiayai golongan miskin dan sebahagian golongan B40 yang berkemunginan termasuk dalam asnaf zakat khususnya ketika menghadapi masalah kewangan akibat kemalangan, sakit atau kematian. Namun begitu, isu yang sering menyelubungi takaful mikro ialah kemampanan dana untuk menampung keperluan risiko. Salah satu solusi yang dicadangkan ialah dengan menggunakan dana zakat memandangkan saiz dana zakat yang besar. Peningkatan dana zakat dari tahun ke tahun menuntut kepada sistem agihan yang efisen dan cekap. Salah satu kaedah yang dicadangkan ialah dengan menggunakannya dalam pembangunan model takaful mikro. Walau bagaimanapun, zakat adalah salah satu rukun Islam yang tertakluk kepada beberapa hukum yang ketat termasuk dalam isu agihan dana kepada sasaran yang spesifik. Oleh itu, kertas ini cuba mengupas isu penggunaan dana zakat dalam pembangunan takaful mikro dengan memberi fokus kepada pandangan fuqaha silam dan kontemporari mengenai isu tamlik<\/em> (pemberian milik) harta zakat kepada asnaf. Kajian ini menggunakan kaedah analisis kandungan dengan menganalisis pandangan fuqaha\u2019 mengenai isu tamlik<\/em> kepada asnaf zakat dalam agihan dana tersebut. Hasil kajian mendapati isu fiqh yang utama dalam pembangunan model takaful mikro daripada dana zakat ialah isu tamlik<\/em> harta zakat kepada golongan asnaf. Pihak berautoriti khususnya institusi fatwa setiap negeri wajar mengeluarkan satu fatwa yang rasmi sama ada ia dibenarkan atau tidak.<\/p>\n \u00a0Kata kunci: Takaful Mikro, Zakat, Tamlik, Baitulmal, Asnaf, B40<\/em><\/p>\n [\/et_pb_tab][et_pb_tab title=”ABSTRACT” _builder_version=”3.7″ tab_font=”||||” tab_line_height=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” body_font=”||||” body_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em” background_size=”initial” background_position=”top_left” background_repeat=”repeat”]<\/p>\n Micro takaful<\/em> is a manifestation of financial inclusion principle in a country. It aims to finance a group of poor people and some B40 segment which probably falls under the segment of zakah<\/em> asnaf especially in facing financial hardship caused by any event of accident, illness or death. Nevertheless, the issue that often affects micro takaful is the sustainability of its fund to cope with risk requirements. One of the proposed solutions is by using zakah<\/em> fund in view of the large size of zakat fund. Moreover, the increasing of zakah<\/em> fund from year to year demand for efficient distribution systems. Amongst the proposed methods is to use them in the development of a micro takaful<\/em> model. However, zakat is one of the pillars of Islam that needs to comply with some strict rules including the distribution of the fund to specific asnaf<\/em>. Hence, this paper attempts to examine the ruling of using zakah<\/em> fund in the development of micro takaful<\/em> model by focusing on the views of classical and contemporary jurists on the issues of tamlik<\/em> (transfer of ownership) zakah property to asnaf<\/em>. This study employs a content analysis method by analysing the views of the jurists on the issue of tamlik<\/em> to the asnaf<\/em> zakat in the distribution of the fund. The findings suggest that the major fiqh<\/em> issue in the development of the micro takaful model by using zakat fund is the issue of tamlik<\/em> the zakah to the asnaf<\/em>. The authoritative bodies, especially the fatwa institution of every state, should issue a formal fatwa whether it is allowed or not.<\/p>\n Keywords: Micro takaful, zakat, tamlik, Baitulmal, asnaf, B40<\/em><\/p>\n [\/et_pb_tab][et_pb_tab title=”REFERENCES” _builder_version=”3.7″ tab_font=”||||” tab_line_height=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” body_font=”||||” body_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em”]<\/p>\n al-Quran al-Karim<\/p>\n Abidin, Muhammad Amin al-Shahir bi Ibn. 1966. Radd Al-Mu\u1e25t\u0101r \u1d9cal\u0101 Al-Durr Al-Mukht\u0101r<\/em>. Damascus: Matba\u2019ah Mustafa al-Halabi.<\/p>\n Adekunle Mikail, Said, Ali Jinnah Ahmad, Muhammad, & Saheed Adekunle, Salami. 2017. Utilisation of zak\u0101h and waqf fund in micro-tak\u0101ful models in malaysia: an exploratory study. ISRA International Journal of Islamic Finance<\/em>\u00a0 9(1):100\u2013105. https:\/\/doi.org\/10.1108\/IJIF-07-2017-010.<\/p>\n Ahmad, Muhammad Ali Jinnah, Hussain, Lokmanulhakim, & Abdullah, Apnizan. 2013. Takyif fiqhi terhadap yuran prestasi ( performance fee ) daripada lebihan ( surplus ) dana risiko peserta takaful. Dlm.\u00a0 Muzakarah Cendekiawan Syariah Nusantara Ke-7<\/em>, Kuala Lumpur: ISRA.<\/p>\n Al-Ghufayl\u012b, Abdullah bin Mans\u016br. 2008. Naw\u0101zil Al-Zak\u0101h Dir\u0101sah Fiqhiyyah Ta\u2019s\u012bliyyah Li Mustajadd\u0101t Al-Zak\u0101h<\/em>. Riyad: Dar al-Maym\u0101n li al-nashr wa al-tawz\u012b\u1d9c.<\/p>\n Al-Hattab, Muhammad bin Muhammad bin Abd al-Rahman. 1992. Mawahib Al-Jalil Fi Sharh Mukhtasar Al-Khalil<\/em>. Beirut: Dar al-Fikr.<\/p>\n Al-Kasani, Abu Bakr Mas\u2019ud bin Ahmad. 1986. Bad\u0101\u2019i\u1d9c Al-\u1e62an\u0101\u2019i\u1d9c F\u012b Tart\u012bb Al-Shar\u0101i\u1d9c<\/em>. Beirut: Dar al-Kutub al-Ilmiyyah.<\/p>\n Al-Mahdawi, Abu al-T\u0101hir Ibrahim bin Abd al-\u1e62amad bin Bash\u012br al-Tan\u016bkh\u012b. 2007. Al-Tanb\u012bh A\u1d9cla Mab\u0101di\u2019 Al-Tawj\u012bh<\/em>. Beir\u016bt: Dar Ibn Hazm.<\/p>\n Al-Mard\u0101w\u012b, Al\u0101\u2019 al-D\u012bn Abu al-\u1e24asan \u1d9cAl\u012b bin Sulayman. t.th. Al-In\u1e63\u0101f F\u012b Ma\u1d9crifat Al-R\u0101ji\u1e25 Min Al-Khil\u0101f<\/em>. Beir\u016bt: Dar Ihy\u0101\u2019 al-Tur\u0101th al-Arabi.<\/p>\n Al-Nawawi, Muhyi al-Din Yahya bin Sharaf. 2001. Al-Majmu\u2019 Sharh Al-Muhadhdhab<\/em>. Beir\u016bt: Dar al-Fikr.<\/p>\n Al-Sharbini, Shams al-Din Muhammad bin Al-Khatib. 1997. Mughni Al-Muhtaj Fi Ma\u2019rifat Ma\u2019ani Alfaz Al-Minhaj<\/em>. Beirut: Dar al-Ma\u2019rifah.<\/p>\n Al-Shawkani, Muhammad bin Ali. 2004. Al-Sayl Al-Jarrar Al-Mutadaffiq Ala Hada\u2019iq Al-Azhar<\/em>. Beir\u016bt: Dar Ibn Hazm.<\/p>\n Ashikin, Noor, & Rom, Mohd. 2012. Financial protection for the poor in malaysia\u202f: role of zakah and micro- takaful. 25(1):119\u201340.<\/p>\n Bank Negara Malaysia. 2016. Microinsurance and microtakaful\u202f: discussion paper. (18 April):1\u201318.<\/p>\n Bank Negara Malaysia. 2017. Financial Stability and Payment Systems Report 2017<\/em>.<\/p>\n Brugnoni, Alberto. 2013. Microtakaful. Dlm.\u00a0 Serap O. G\u00f6n\u00fclal (pnyt.). Takaful and Mutual Insurance Alternative Approaches to Managing Risks<\/em>, hlm. 153\u201374. Washington DC: International Bank for Reconstruction and Development.<\/p>\n Htay, Sheila Nu Nu, Sadzali, Nur Shazwani, & Amin, Hanudin. 2015. An analysis of the viability of micro health takaful in malaysia. Qualitative Research in Financial Markets<\/em> .<\/p>\n Ibn Muflih. 2003. Al-Furu\u2019 Wa Tashih Al-Furu\u2019<\/em>. Beir\u016bt: Mua\u2019ssasah al-Risalah.<\/p>\n Ismail, Abdul Ghafar, Zaenal, Muhammad Hasbi, & Taufiq, Umar. 2016. Can Islamic Philanthropy Increase Financial Inclusion\u202f?<\/em> Jeddah.<\/p>\n Mohamad Hasim, Haslifah. 2014. Developing a conceptual framework of microtakaful as a strategy towards poverty alleviation. Issn<\/em>\u00a0 5(28):2222\u20131700. www.iiste.org.<\/p>\n Uthman, Muhammad Ahmad, & Hamzah, Hamzah. 2012. Shart al-tamlik fi al-zakah wa mada ta\u2019thirihi fi \u2019amal al-jam\u2019iyyat al-khayriyyah al-islamiyyah. Majallat Jami\u2019at Dimashq li al-Ulum al-Iqtisadiyyah wa al-Qanuniyyah<\/em>\u00a0 28(1):681\u201399.<\/p>\n Yakob, Rubayah, & Rahman, Nor Hamizah Abd. 2017. Analisis pemilikan takaful keluarga atau insurans hayat dalam kalangan b40. 13(2):29\u201338.<\/p>\n [\/et_pb_tab][\/et_pb_tabs][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" 30 DECEMBER 2018Analisis Hukum Penggunaan Dana Zakat untuk Pembangunan Model Takaful Mikro An Analysis on the Ruling of Using Zakat Fund for the Development of Micro Takaful ModelNik Abdul Rahim Nik Abdul Ghani, nikrahim@ukm.edu.my,\u00a0Nurul Ilyana Muhd Adnan, ilyana_adnan@ukm.edu.my,\u00a0Ahmad Dahlan Salleh, dahlan@ukm.edu.my,\u00a0Salmy Edawati Yaacob, salmy1001@ukm.edu.my\u00a0 Centre for Contemporary Fiqh and Sharia Compliance, Faculty of Islamic Studies, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1482","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/1482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/comments?post=1482"}],"version-history":[{"count":11,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/1482\/revisions"}],"predecessor-version":[{"id":1696,"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/pages\/1482\/revisions\/1696"}],"wp:attachment":[{"href":"https:\/\/www.ukm.my\/jcil\/wp-json\/wp\/v2\/media?parent=1482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/em>Centre for Contemporary Fiqh and Sharia Compliance, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia.
Rubayah Yakob, <\/strong>rubayah@ukm.edu.my,<\/a>\u00a0<\/em>Hendon Redzuan, <\/strong>hendon@ukm.edu.my<\/a>\u00a0<\/em>
Pusat Keutuhan Tadbir Urus dan Akauntabiliti, Fakulti Ekonomi dan Pengurusan, Universiti Kebangsaan Malaysia.
Received: 30 November 2018 | Accepted: 23 December 2018 |\u00a0Published: 30 December 2018<\/p>\n