[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_blurb title=”2025 10(2)” _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
DECEMBER 2025<\/p>\n
[\/et_pb_blurb][et_pb_image src=”https:\/\/www.ukm.my\/jcil\/wp-content\/uploads\/2025\/12\/Cover-JCIL-2025-102-scaled.jpg” title_text=”Cover JCIL 2025 10(2)” _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_row_inner _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text admin_label=”Tajuk” _builder_version=”4.24.3″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Penulis” _builder_version=”4.24.3″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
Nurul Huda Abdullah, <\/span><\/span><\/span><\/strong>nhahuda14@gmail.com<\/em><\/span><\/span><\/span> [\/et_pb_text][et_pb_text admin_label=”Volume & PDF” _builder_version=”4.24.3″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n 2025, Vol. 10(2), pp. 92-103. \u00a0| \u00a0<\/span>PDF<\/a> [\/et_pb_text][et_pb_tabs admin_label=”Abstract & References” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][et_pb_tab title=”Abstrak” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Perancangan harta merupakan aspek penting dalam kehidupan orang Islam di Malaysia bagi memastikan pengurusan harta semasa hidup dan pengagihan harta selepas kematian dilaksanakan secara teratur serta mematuhi prinsip syariah. Seiring dengan peningkatan kes harta pusaka terbeku saban tahun, hibah semakin mendapat perhatian sebagai instrumen perancangan harta yang berkesan. Persoalan utama yang timbul ialah sejauh mana jenis hibah dan produk yang ditawarkan mampu memenuhi keperluan orang Islam di Malaysia. Oleh itu, kajian ini bertujuan mengenal pasti inovasi dan variasi produk hibah yang ditawarkan oleh institusi kewangan dan agensi perancangan harta di Malaysia, di samping menilai implikasinya terhadap pengurusan harta umat Islam. Kajian ini menggunakan pendekatan kualitatif melalui analisis kandungan dokumen rasmi, risalah produk, laman web institusi berkaitan dan artikel jurnal. Hasil kajian menunjukkan bahawa inovasi dalam amalan hibah di Malaysia meliputi penerapan teknologi digital dan peningkatan fleksibiliti syarat. Pelbagai bentuk hibah seperti hibah mutlak, hibah bersyarat dan hibah amanah turut diaplikasikan bagi memenuhi keperluan masyarakat. Namun, pelaksanaannya masih berdepan cabaran seperti tahap literasi masyarakat yang rendah, kos pentadbiran yang tinggi serta isu pematuhan syariah. Secara keseluruhan, inovasi dan variasi produk hibah berpotensi memperkukuh perancangan harta Islam serta mengurangkan risiko pertikaian pusaka. Kajian ini turut mencadangkan agar kajian lanjutan dijalankan untuk menilai kesan penggunaan teknologi digital, khususnya platform<\/em> hibah atas talian, terhadap kecekapan, keselamatan dan keberkesanan keseluruhan proses hibah di Malaysia.<\/p>\n KATA KUNCI [\/et_pb_tab][et_pb_tab title=”Abstract” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Estate planning constitutes a critical component of financial and personal management for Muslims in Malaysia, ensuring that the administration of assets during one\u2019s 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.<\/p>\n KEYWORDS [\/et_pb_tab][et_pb_tab title=”References” _builder_version=”4.24.3″ _module_preset=”default” body_text_align=”justify” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Abdullah, A., & Moidin, R. (2025). Perancangan harta Islam: Pendekatan hibah dan amanah. Kuala Lumpur: Penerbit Universiti Malaya.<\/p>\n Abdullah, A., Azmi, N., Mohd Izzat, M., & Azhar, A. (2024). Hibah sebagai instrumen perancangan harta Islam: Kajian kontemporari. Jurnal Perancangan Harta Islam, 12(1), 45\u201362.<\/p>\n Abdullah, M. M., Awang, A. B., & Zakaria, M. S. (2023). Analysis of trust instrument in Islamic estate planning: A study case at Amanah Raya Berhad, Malaysia. Journal of Islamic Accounting and Business Research, 14(8), 1404\u20131425. https:\/\/doi.org\/10.1108\/JIABR-02-2022-0057<\/p>\n Abdullah, M. M., Awang, A. B., Zakaria, M. S., & Nor Muhamad, N. H. (2023). Analisis kefahaman instrumen amanah (trust) dalam pentadbiran harta pusaka di negeri Perlis. Akademika, 93(1), 117\u2013136. https:\/\/doi.org\/10.17576\/akad-2023-9301-10<\/p>\n As\u2011Salihin Trustee Berhad. (2023). Perkhidmatan wasiat dan amanah. https:\/\/www.assalihin.com.my<\/p>\n Amanah Saham Nasional Berhad. (2024). Hibah Amanah. https:\/\/www.asnb.com.my\/hibahamanah.php<\/p>\n Azmi, A. F., Abdullah, N., & Mohd Izzat, M. (2021). Konsep dan jenis hibah dalam perancangan harta Islam. Jurnal Hukum Islam, 9(2), 55\u201372.<\/p>\n CIMB Islamik. (2025). Rancang hibah. \u00a0https:\/\/www.cimb.com.my\/bm\/personal\/islamic-banking\/islamic-wealth-management\/wealth-distribution\/hibah-harta\/rancang-hibah.html<\/p>\n Dagang News. (2021, September 14). Jumlah kes pusaka kecil tertunggak meningkat. https:\/\/www.dagangnews.com<\/a><\/p>\n Dagang News. (2024, April 1). Hibah digital UsraHDD disahkan Mahkamah Syariah Johor. https:\/\/www.dagangnews.com<\/a><\/p>\n Dagang News. (2024, April 3). Pengalaman digital Wasiyyah Shoppe tidak mudah tetapi berjaya direalisasikan. https:\/\/www.dagangnews.com<\/p>\n Dagang News. (2024, Disember 18). Pengalaman proses pendigitalan hibah Wasiyyah Shoppe Berhad. https:\/\/www.dagangnews.com<\/p>\n Ghalid, S. N., & Muhamad Zuhaili, B. (2023). The level of awareness of hibah among Muslim residents in Raub, Pahang. Journal of Contemporary Islamic Studies, 9(2). https:\/\/doi.org\/10.24191\/jcis.v9i2.10<\/p>\n Halim, F., & Ahmad Bustami, A. (2019). Hibah sebagai instrumen perancangan harta: Analisis undang-undang dan syariah. Jurnal Syariah Malaysia, 11(1), 60\u201378.<\/p>\n
Noor Lizza Mohamed Said
Mohd Zamro Muda<\/span><\/span><\/span><\/strong>
<\/span><\/span><\/span><\/em>Research Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia
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Received: Dec 3, 2025 | Revised: Dec 4, 2025 | Accepted: Dec 8, 2025 | Published: Dec 15, 2025
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DOI: https:\/\/doi.org\/10.26475\/jcil.2025.10.2.10<\/p>\n
Hibah, Perancangan Harta, Inovasi Produk, Variasi Produk<\/p>\n
Hibah, Estate Planning, Product Innovation, Product Variation<\/p>\n