Penyelesaian hutang asnaf al-gharimin di Lembaga Zakat Negeri Kedah (LZNK), Malaysia
The background of this study focuses on asnaf al-gharimin at Lembaga Zakat Negeri Kedah (LZNK). Zakat plays a vital role as an Islamic fiscal policy tool that can enhance the economic development of the ummah. In Islam, zakat is to be distributed to eight groups of asnaf, but it seems like asnaf al-...
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| Format: | Thesis |
| Language: | eng eng |
| Published: |
2023
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| Subjects: | |
| Online Access: | https://etd.uum.edu.my/10563/1/Grant%20the%20permission_s900440.pdf https://etd.uum.edu.my/10563/2/s900440_01.pdf |
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| Summary: | The background of this study focuses on asnaf al-gharimin at Lembaga Zakat Negeri Kedah (LZNK). Zakat plays a vital role as an Islamic fiscal policy tool that can enhance the economic development of the ummah. In Islam, zakat is to be distributed to eight groups of asnaf, but it seems like asnaf al-gharimin receives less attention. According toJumhur ulama’, asnaf al-gharimin are Muslims who are indebted to meet the needs of themselves, their families and society for things allowed by sharia. In Islam, the law of debt repayment is obligatory. The main issue in this study is that not all debtors can pay their obligations for specific reasons. Lembaga Zakat Negeri Kedah (LZNK) circulates zakat funds every year but to what extent are the asnaf al-gharimin assisted in settling their obligations? Therefore, this study contains three main objectives. First, to identify the definition, conditions and form of distribution of zakat al-gharimin in the Lembaga Zakat Negeri Kedah (LZNK). Second, to analyze the purpose and the factors contributing to asnaf al-gharimin’s failure to repay the debt in the Lembaga Zakat Negeri Kedah (LZNK). Third, to analyze the effect of zakat distribution among asnaf al-gharimin in the Lembaga Zakat Negeri Kedah (LZNK). This study adopted a qualitative approach using content analysis on interview transcrips of expert and asnaf al-gharimin informants. Additionally, content analysis was conducted on documents, relating to zakat algharimin. The findings show differences in the definition of asnaf al-gharimin in general and contemporary. In addition, the conditions of asnaf al-gharimin in LZNK are based on the current needs. The type of zakat distribution consists of cash and non-cash. This study also found that the purpose of indebtedness among the asnaf is to meet the needs of today's daruriyyah. The failure to repay debts among the asnaf al-gharimin is due to internal and external factors. The distribution of zakat can reduce the debt burden and improve the quality of life among the asnaf. This study recommends that LZNK to diversify the methods and types of zakat distribution among asnaf al-gharimin in order to achieve the goal of zakat distribution. |
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