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Microfinancing from the Zakat Fund in Baitul Mal Aceh and the Readiness of Malaysia's Asnaf Entreprenuers

Samarah: Jurnal Hukum Keluarga dan Hukum Islam · Vol. 7 No. 1 (2023) · hlm. 418–430

DOI
10.22373/sjhk.v7i1.16012
ISSN
2549-3167, 2549-3132
Terbit
2023-03-31
Penerbit
Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry
Bahasa
eng

Abstrak

The recent Covid-19 pandemic has swept the globe. As a result, there has been a spike in the number of relative poor who are experiencing economic hardships. This poses a predicament for the unbankable, reducing their options to apply for funding via banking products. With the available financial capacity, zakat institutions are viewed as the closest alternative in terms of being a source of funding, either through the microfinacing method or the qard hasan principle. Zakat is considered capable of becoming a social entrepreneurial system and a worthy alternative. The question is whether Islam permits microfinancing using zakat funds. If permitted, what is the rationale for distributing zakat through microfinance? Are there asnaf entreprenuers in Malaysia ready to take microfinance from the zakat fund to finance their businesses? This study is done using the case study method by conducting a semi-structured interview with zakat expertise and asnaf entreprenuers. Based on the content analysis, the findings of the study indicate that Islam permits microfinance using zakat funds. Asnaf entreprenuers are likewise eager to acquire microfinance from zakat money in order to to strengthen their economic position and develop in life. This microfinancing is expected to have a good effect, particularly on the rising demand for asnaf entreprenuers. So, it is expected that asnaf entreprenuers will be able to switch from being a zakat recipient to a zakat payer within a certain amount of time.

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23 penulis · 52 tautan kepenulisan bersama · 29 lintas organisasi

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  • National University of Malaysia
  • Universiti Sains Malaysia
  • University College Bestari
  • International Islamic University Malaysia
  • Universitas Muhammadiyah Sumatera Utara
  • Universiti Muhammadiyah Malaysia
  • Sultan Zainal Abidin University
  • Organisasi lain
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Zahri HamatUniversiti Muhammadiyah Malaysia2
Fatin ‘Alia ZahriUniversiti Sains Malaysia2
Mohd Al Adib SamuriNational University of Malaysia1
Zuliza Mohd KusrinNational University of Malaysia1
Roseliza Murni Ab RahmanNational University of Malaysia1
Nur Asmadayana HasimNational University of Malaysia1
Nurul Syazwani Mohd NoorSultan Zainal Abidin University1
Nur Anis Raihana Mhd RodziUniversiti Sains Malaysia1
Nurhana Nazira HairulanuarNational University of Malaysia1
Radin Firdaus Radin BadaruddinAfiliasi tidak diketahui1
Nurul Ilyana Muhd AdnanAfiliasi tidak diketahui1
Nurul Izwah Muhd AdnanInternational Islamic University Malaysia1
Hafizuddin Muhd AdnanInternational Islamic University Malaysia1
Asiah Aqilah Abdul GhaniNational University of Malaysia1
Md Yazid AhmadNational University of Malaysia1
Ardiansyah Rusli.SSunan Kalijaga State Islamic University Yogyakarta1
Kaosar HayeejehwaeAl-Azhar University1
Faisal Husen IsmailUniversiti Sains Malaysia1
Azlinah AmbakUniversity College Bestari1

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Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/samarah/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Microfinancing from the Zakat Fund in Baitul Mal Aceh and the Readiness of Malaysia's Asnaf Entreprenuers</dc:title>
	<dc:creator xml:lang="en">Zahri, Mohd. ‘Adli</dc:creator>
	<dc:creator xml:lang="en">Muhd Adnan, Nurul Ilyana</dc:creator>
	<dc:creator xml:lang="en">Irfan, Irfan</dc:creator>
	<dc:creator xml:lang="en">Mohd Kashim, Mohd Izhar Ariff</dc:creator>
	<dc:subject xml:lang="en">microfinance</dc:subject>
	<dc:subject xml:lang="en">zakat fund</dc:subject>
	<dc:subject xml:lang="en">Baitulmal Aceh</dc:subject>
	<dc:subject xml:lang="en">readiness</dc:subject>
	<dc:subject xml:lang="en">asnaf entreprenuers</dc:subject>
	<dc:subject xml:lang="en">Malaysia</dc:subject>
	<dc:description xml:lang="en">The recent Covid-19 pandemic has swept the globe. As a result, there has been a spike in the number of relative poor who are experiencing economic hardships. This poses a predicament for the unbankable, reducing their options to apply for funding via banking products. With the available financial capacity, zakat institutions are viewed as the closest alternative in terms of being a source of funding, either through the microfinacing method or the qard hasan principle. Zakat is considered capable of becoming a social entrepreneurial system and a worthy alternative. The question is whether Islam permits microfinancing using zakat funds. If permitted, what is the rationale for distributing zakat through microfinance? Are there asnaf entreprenuers in Malaysia ready to take microfinance from the zakat fund to finance their businesses? This study is done using the case study method by conducting a semi-structured interview with zakat expertise and asnaf entreprenuers. Based on the content analysis, the findings of the study indicate that Islam permits microfinance using zakat funds. Asnaf entreprenuers are likewise eager to acquire microfinance from zakat money in order to to strengthen their economic position and develop in life. This microfinancing is expected to have a good effect, particularly on the rising demand for asnaf entreprenuers. So, it is expected that asnaf entreprenuers will be able to switch from being a zakat recipient to a zakat payer within a certain amount of time.</dc:description>
	<dc:publisher xml:lang="en">Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry</dc:publisher>
	<dc:date>2023-03-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/samarah/article/view/16012</dc:identifier>
	<dc:identifier>10.22373/sjhk.v7i1.16012</dc:identifier>
	<dc:source xml:lang="en">Samarah: Jurnal Hukum Keluarga dan Hukum Islam; Vol. 7 No. 1 (2023): Samarah: Jurnal Hukum Keluarga dan Hukum Islam; 418-430</dc:source>
	<dc:source>2549-3167</dc:source>
	<dc:source>2549-3132</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/samarah/article/view/16012/8029</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2023 Mohd. ‘Adli Zahri, Nurul Ilyana Muhd Adnan, Irfan Irfan, Mohd Izhar Ariff Mohd Kashim</dc:rights>
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