Mikro Kredit Daripada Dana Zakat Di Baitul Mal Aceh Dan Potensi Pelaksanaannya Di Institusi-Institusi Zakat Di Malaysia
Bantuan modal dalam bentuk mikro kredit yang ditawarkan di Malaysia ketika ini dikatakan tidak bebas daripada unsur-unsur riba. Bantuan modal secara percuma daripada dana zakat kepada usahawan asnaf pula sering mengalami kegagalan. Dengan hal demikian, satu mekanisme bantuan modal dalam bentuk m...
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| Format: | Thesis |
| Language: | English |
| Published: |
2015
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| Subjects: | |
| Online Access: | http://eprints.usm.my/32315/1/NURUL_ILYANA_BINTI_MUHD_ADNAN.pdf |
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| Summary: | Bantuan modal dalam bentuk mikro kredit yang ditawarkan di Malaysia
ketika ini dikatakan tidak bebas daripada unsur-unsur riba. Bantuan modal secara
percuma daripada dana zakat kepada usahawan asnaf pula sering mengalami
kegagalan. Dengan hal demikian, satu mekanisme bantuan modal dalam bentuk
mikro kredit yang bebas riba sepatutnya diwujudkan. Persoalannya, apakah
mekanisme secara mikro kredit tersebut boleh dibiayai daripada dana zakat?
Sekiranya dana zakat boleh digunakan untuk membiayai mikro kredit, bagaimanakah
mekanisme mikro kredit itu boleh direalisasikan? Kajian ini bertujuan mengenal
pasti dan menganalisis hukum serta bentuk bantuan modal perniagaan secara mikro
kredit yang telah dibiayai daripada dana zakat di Baitul Mal Aceh dan potensi
pelaksanaannya di institusi zakat di Malaysia. Data sekunder dan primer digunakan
untuk tujuan analisis tersebut. Data sekunder diperoleh daripada tulisan terdahulu,
manakala data primer diperoleh daripada kajian lapangan.
Capital assistance in the form of micro-credit presented in Malaysia is
currently alleged not to be free from elements of riba. Capital assistance freely given
to small entrepreneurs (SME) from the zakah fund is concurrently caused the failure.
In such a case, a capital assistance mechanism in the form of micro-credit, which is
free from riba, should be in place. Nevertheless, the question arose; can this microcredit
mechanism can be funded or endowed from the zakah foundation? If the zakah
fund can be used as a source to support micro-credit mechanism, how should do the
micro-credit mechanism should be realized? This study aims to identify and analyse
the hukm, besides analyzing the form and character of business capital assistance
derived from micro-credit mechanism which were practiced and financed by zakah
fund in Baitul Mal Aceh, and their potential of implementation through the zakah
institutions in Malaysia. The analysis is based on secondary and primary data. The
secondary data was obtained from literature review, and the primary data was
obtained from field work. |
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