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The Contribution Of Waqf Institution As A Financial Tool In Addressing Poverty Reduction: Evidence From The Literature Waqf制度作为解决减贫的金融工具的贡献:来自文献的证据
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.64
Haruna Tijjani Haruna, A. Ibrahim
The paper reviewed the Waqf literature as a basis to analyze its contribution as a financial tool in addressing Poverty Reduction in Nigeria. The study is purely exploratory that relies on desktop research. The research uses previous studies for the analysis, which include news articles, government publications, and websites. The secondary data were obtained from the Holy Qur’an as the Primary source of Shari’ah (Islamic law), which were used to back most of the arguments put forward for the assessment of Waqf in the study area. The study concluded that Waqf played a vital role in reducing poverty in Nigeria. The study recommends the need of Waqf awareness to be created to enlighten the rich men in the society and also for the government to ensure proper and adequate management of Waqf institution. This will help Islamic value-centric policymakers, regulatory authorities, investors, and researchers to gain an overall insight into the potentials of Waqf as a financial tool in reducing poverty.
本文回顾了Waqf文献,作为分析其作为解决尼日利亚减贫问题的金融工具的贡献的基础。这项研究纯粹是探索性的,依赖于桌面研究。该研究使用了之前的研究进行分析,包括新闻文章、政府出版物和网站。次要数据来自作为伊斯兰教法的主要来源的《古兰经》,这些数据被用来支持研究领域中为评估Waqf而提出的大多数论点。该研究得出结论,Waqf在尼日利亚减少贫困方面发挥了至关重要的作用。该研究建议有必要建立Waqf意识,以启发社会上的富人,并为政府确保Waqf机构的适当和充分的管理。这将有助于以伊斯兰价值观为中心的政策制定者、监管当局、投资者和研究人员全面了解Waqf作为减少贫困的金融工具的潜力。
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引用次数: 1
Corona Virus And The Quest For Moral Economy: Islamic Response 冠状病毒和对道德经济的追求:伊斯兰教的反应
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.60
F. Abdullah
This article argues that the coronavirus pandemic has shown the world community that the current global economic system is unsustainable. The devastating impact of social, economic and health due to the corona virus are manifesting along with societies’ great inequalities due to the flaws of capitalism. The pandemic has also shed light on the fact that human societies cannot flourish without combatting inequalities.Thus, the seemingly more apparent internal tensions, inconsistencies and moral inadequacies in capitalism seem to necessitate a more ‘moral’ economy. Pertinent to this, Moral capitalism based on universal values can be an alternative system. Both moral capitalism and Islamic economics share similar moral ethical values that could possibly contribute to a more just economic system and therefore a better wellbeing for the global community. This article concludes that there is a dire need to have moral economy for global community. Neo-liberalism needs to be reconstructed for its structural inequalities that renders to societies unsustainablity. For, failure to protect the health and safety of people living in abject poverty around the world, we put the entire world at risk.
本文认为,冠状病毒大流行向国际社会表明,当前的全球经济体系是不可持续的。冠状病毒对社会、经济和健康造成的破坏性影响,以及资本主义缺陷造成的社会严重不平等,正在显现出来。这一大流行病还揭示了一个事实,即不消除不平等,人类社会就无法繁荣。因此,资本主义中看似更明显的内部紧张、不一致和道德不足似乎需要一种更“道德”的经济。与此相关,以普世价值为基础的道德资本主义可以成为另一种制度。道德资本主义和伊斯兰经济学都有相似的道德伦理价值观,这可能有助于建立一个更公正的经济体系,从而为全球社会带来更好的福祉。本文的结论是,全球社会迫切需要道德经济。新自由主义需要重建,因为它的结构性不平等导致社会不可持续。因为,如果不能保护世界各地生活在赤贫中的人们的健康和安全,我们就会把整个世界置于危险之中。
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引用次数: 0
Program Latihan Dalam Membangunkan Asnaf Di Selangor
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.66
Muh. Suhaimi, Abdul Ghafar Haji Don, Anuar Puteh
Golongan asnaf adalah kumpulan masyarakat yang seringkali dikaitkan dengan masalah dalam kehidupan seperti kemiskinan, kemelaratan, bebanan hidup dan kejahilan. Faktor kefakiran dan kemiskinan ini boleh mendorong mereka kepada terjebak dalam anasir yang tidak sihat dan merosakkan. Keadaan hidup mereka yang mendesak perlu dibantu dengan tujuan meringankan bebanan, mengeluarkan dari belenggu kefakiran dan kemiskinan. Bagaimanapun dalam masa yang sama mereka perlu diberi latihan agar dapat keluar dari kepompong kemiskinan dan tidak lagi bergantung kepada bantuan zakat. Artikel ini bertujuan menganalisis aspek pembangunan asnaf di Selangor melalui program latihan yang dilaksanakan Lembaga Zakat Selangor (LZS) dengan tumpuan kajian terhadap asnaf fakir dan miskin. Kajian ini adalah kajian kualitatif dengan reka bentuk kajian kes. Kaedah temu bual digunakan bagi mendapat data kajian dengan menemu bual Dr Hajah Adibah Binti Abd Wahab Ketua Divisyen Pembangunan Asnaf LZS (MAIS) dan Timbalan Ketua Divisyen Pembangunan Asnaf Encik Nurhisham Bin Shamsir bagi mengetahui tentang tujuan dan bentuk latihan yang diberikan kepada asnaf zakat di Selangor. Kajian mendapati LZS telah melaksanakan program-program pembangunan latihan dalam bentuk program keusahawanan dan ekonomi, program kerohanian dan pembangunan kerjaya. Program-program ini dirangka khusus bagi tujuan mengeluarkan asnaf dari kefakiran dan kemiskinan di samping membina keperibadian yang mulia dengan tidak lagi terlalu mengharapkan bantuan dari Lembaga Zakat Selangor. 
阿斯纳夫群体是一个经常与贫困、匮乏、生活负担和无知等生活问题联系在一起的群体。贫困和贫穷的因素会使他们陷入不健康和破坏性的因素之中。他们的生活窘迫需要得到帮助,以减轻负担,摆脱贫困和赤贫的枷锁。但与此同时,还需要对他们进行培训,使他们能够摆脱贫困,不再依赖天课援助。本文旨在通过雪兰莪天课协会(Lembaga Zakat Selangor,LZS)实施的培训计划,分析雪兰莪阿斯纳夫的发展情况,重点是阿斯纳夫法基和米斯金。本研究是一项采用个案研究设计的定性研究。为了获得研究数据,研究人员与 LZS(MAIS)培训部主任 Hajah Adibah Binti Abd Wahab 博士和培训部主任 Encik Nurhisham Bin Shamsir 进行了会谈,以了解雪兰莪州向asnaf zakat 提供培训的目的和形式。研究发现,LZS 以创业和经济计划、精神计划和职业发展的形式实施了培训发展计划。这些方案是专门为使asnaf摆脱贫穷和匮乏而设计的,此外,这些方案还旨在培养asnaf的高尚人格,使其不再过多地期待雪兰莪天课协会的援助。
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引用次数: 0
Faktor Penentu Pembayaran Zakat Di Lembaga Zakat Selangor: Kajian Di Daerah Petaling
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.57
Khairul Azhar Meerangani, Amirah Syakirah Amizi, Mohd Farhan Md Ariffin, Muhammad Ikhlas Rosele
Hasil kutipan bayaran zakat di Lembaga Zakat Selangor (LZS) menunjukkan peningkatan dari tahun ke tahun. Faktor-faktor seperti hebahan kempen dan promosi, kualiti dan kecekapan perkhidmatan serta pengoptimuman medium ICT dilihat telah menyumbang kepada peningkatan ini. Kajian ini bertujuan mengenal pasti faktor penentu yang mempengaruhi pembayaran zakat di LZS oleh masyarakat Islam daerah Petaling. Kajian dijalankan secara kuantitatif menggunakan reka bentuk tinjauan dengan saiz sampel yang ditetapkan adalah seramai 145 orang terdiri daripada penduduk Muslim berumur antara 25 tahun hingga 56 tahun ke atas. Set soal selidik telah diedarkan di LZS cawangan daerah Petaling serta kawasan sekitarnya seperti Masjid Negeri, Subang Jaya dan Puchong. Hasil kajian menunjukkan masyarakat Islam khususnya di daerah Petaling secara umumnya mempunyai kesedaran yang baik tentang aktiviti pembayaran zakat. Faktor penentu yang dikaji iaitu kualiti perkhidmatan dan aktiviti dakwah menunjukkan perhubungan yang positif terhadap pembayaran zakat di LZS. Nilai korelasi yang tertinggi sekali adalah aktiviti dakwah/pengurusan tadbir (r = .466, n = 145, p = .01), diikuti oleh korelasi kualiti perkhidmatan (r = .352, n = 145, p = .01). Strategi dakwah serta urus tadbir yang baik dan efektif dilihat mempengaruhi pembayaran zakat oleh masyarakat seterusnya membawa kepada peningkatan kadar kutipan zakat di LZS.
雪兰莪州天课局(LZS)的天课收费结果显示逐年增加。活动和促销、服务质量和效率以及信息和通信技术媒介的优化等因素被认为是促成这一增长的原因。本研究旨在确定影响八打灵地区伊斯兰社区在 LZS 支付天课的决定因素。本研究采用横截面设计,以 145 名年龄在 25 岁至 56 岁及以上的穆斯林人口为样本,进行定量研究。问卷在 LZS cawangan 八打灵地区以及 Masjid Negeri、梳邦再也和蒲种等邻近地区发放。研究结果显示,伊斯兰社区,尤其是八打灵地区的伊斯兰社区,普遍对天课支付活动有良好的认识。所研究的决定性因素(即服务质量和达卡活动)与在 LZS 支付天课呈正相关。相关性最高的是达瓦活动/塔迪比尔管理(r = .466,n = 145,p = .01),其次是服务质量相关性(r = .352,n = 145,p = .01)。由此可见,良好有效的 "达瓦 "战略和 tadbir 管理会影响社区缴纳天课的情况,进而提高 LZS 的天课报价水平。
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引用次数: 1
A Conceptual Framework On The Success Factors Of Asnaf Entrepreneurs Asnaf企业家成功因素的概念框架
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.62
Efri Syamsul Bahri, Amran Bin Muhammad, Mohd Mizan Mohammad Aslam
The success of asnaf entrepreneurs is a form of accountability of the zakat institution entity to strategic stakeholders, which in turn is accountable to Allah SWT. However, determining the success of these entrepreneurs is a problem. Therefore, this study aims to identify and describe the success factors of asnaf entrepreneurs. Charting the Field method to sort articles by topic, discussion, year, and the source was used in this study. Meanwhile, data was obtained from a literature review of various sources, including reference journals for 2016-2020. This study produces a conceptual framework regarding the success factors of asnaf entrepreneurs, namely: motivation, competency, and productive zakat. From the results, 5 aspects in the success of asnaf entrepreneurs were identified, namely, financial performance, non-financial performance, life-improvement, rich materially, and rich spiritually. Also, the success of these entrepreneurs has positively impacted the good governance of zakat and transformed them from mustahiq to munfiq and eventually muzaki. This study enriches previous limited studies on asnaf entrepreneurs and contributes to academic development, entrepreneurial asnaf, poverty alleviation, and good zakat disbursement.
asnaf企业家的成功是天课制度实体对战略利益相关者的一种问责形式,而战略利益相关者又对安拉SWT负责。然而,决定这些企业家的成功是一个问题。因此,本研究旨在识别和描述asnaf企业家的成功因素。在本研究中,采用了按主题、讨论、年份和来源对文章进行排序的制图法。同时,数据来自各种来源的文献综述,包括2016-2020年的参考期刊。本研究提出了一个关于asnaf企业家成功因素的概念框架,即:动机、能力和生产性天课。从结果中,我们确定了asnaf企业家成功的5个方面,即财务绩效、非财务绩效、生活改善、物质富裕和精神富裕。此外,这些企业家的成功对天课的良好管理产生了积极的影响,并将他们从mustahiq转变为munfiq,最终转变为muzaki。本研究丰富了以往有限的关于阿斯纳夫企业家的研究,对学术发展、创业阿斯纳夫、扶贫和善天课支付都有贡献。
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引用次数: 2
The Impact Of Monetary Policy Using Islamic Or Non-islamic Money Supply On Fdi In Jordan (1980-2018) 约旦伊斯兰或非伊斯兰货币政策对外国直接投资的影响(1980-2018)
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.61
Adham Taher Mohmmad Alessa, H. Mohammad
This study aimed to investigate the impact of monetary policy using Islamic or non-Islamic money supply on FDI in Jordan. Using time series analysis of selected variables during the period 1980 until 2018 using the ARDL model. The objective achieved the appropriate statistical tests such as data stability and co-integration tests have been used. The variables analyzed include the money supply (M2), the Islamic money supply (IMS), the export (EXP), Government Expenditure (GOV), inflation rate (INR), The gross domestic product (GDP) as independent variables. The dependant variable is the foreign direct investment (FDI). This study results in a long-term and short-term statistically significant correlation between the money supply (M2), the Islamic money supply (IMS) and FDI. The Islamic money supply (IMS) has a positive impact and the money supply (M2) has a negative impact on the FDI. The study recommended; the Jordanian government must implement a targeted Islamic monetary policy to attract foreign direct investment in the Jordanian economy. Provide an appropriate environment for investment and to remove the obstacles to investment in general, in order to attract the capital of Jordanians working abroad for domestic investment, as well as for foreign investments.
本研究旨在探讨使用伊斯兰或非伊斯兰货币供应的货币政策对约旦外国直接投资的影响。使用ARDL模型对1980年至2018年期间选定的变量进行时间序列分析。为实现目标,采用了数据稳定性和协整检验等适当的统计检验。分析的变量包括货币供应量(M2),伊斯兰货币供应量(IMS),出口(EXP),政府支出(GOV),通货膨胀率(INR),国内生产总值(GDP)作为自变量。因变量是外国直接投资(FDI)。本研究得出货币供应量(M2)、伊斯兰货币供应量(IMS)与FDI之间的长期和短期统计显著相关。伊斯兰货币供应量(IMS)对FDI有正向影响,而货币供应量(M2)对FDI有负向影响。该研究建议;约旦政府必须实施有针对性的伊斯兰货币政策,以吸引外国对约旦经济的直接投资。为投资提供适当的环境,并消除一般投资的障碍,以便吸引在国外工作的约旦人的资本进行国内投资和外国投资。
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引用次数: 0
Infaq In Times Of Pandemic: The New Norm Of Islamic Eschatology 流行病时期的平民:伊斯兰末世论的新规范
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.63
A. Embong, Azelin Mohamed Noor, Hezlina Mohd Hashim, Syahrul Alim Baharuddin, Norasyikin Binti Abdul Malik
This study reveals the currents social welfare which includes the uprising practice of Islamic charity, namely Infaq (voluntary alms giving), an instrument to help the unfortunate people (asnaf). It used qualitative approach involving semi-structured interviews focusing on six themes with six respondents. They engage in Infaq during the MCO or Movement Control Order. The results showed that there was a rise of contemporary fame of Infaq among Malaysian middle-class Muslims and charity body or organisation that specialise in sedekah/Infaq programmes . These parties make use of the platform of social media to record their activities and raise funds activity to help the needy who demand immediate and non-bureaucratic donations especially in a form of material help like food and daily necessities. This indeed has changed the course of how sedekah or Infaq used to be done back then. More Muslims who perform these Islamic charities display their efficiency and transparency in their donations as in Islam, sedekah is as a spiritual ‘investment’ to the donors despite the hard time people face during pandemic. 
本研究揭示了当前的社会福利,其中包括伊斯兰慈善的起义实践,即Infaq(自愿施舍),一种帮助不幸的人的工具(asnaf)。它采用了定性的方法,包括半结构化的访谈,聚焦于六个主题,有六个受访者。他们在MCO或运动控制令期间参与Infaq。结果显示,在马来西亚中产阶级穆斯林和专门从事sedekah/Infaq项目的慈善机构或组织中,Infaq在当代的知名度有所上升。这些政党利用社交媒体的平台记录他们的活动和筹款活动,帮助有需要的人立即和非官僚化的捐赠,特别是以食物和生活必需品等物质帮助的形式。这确实改变了sedekah或Infaq过去的做法。越来越多的穆斯林在进行这些伊斯兰慈善活动时显示出他们的捐赠效率和透明度,就像在伊斯兰教中一样,sedekah是对捐赠者的精神“投资”,尽管人们在大流行期间面临困难。
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引用次数: 1
Effect Of Islamic Social Finance Exclusion On Sustainable Livelihood Assets Acquisition And Persistent Poverty In Zanzibar 伊斯兰社会金融排斥对桑给巴尔可持续生计资产获取和持续贫困的影响
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.58
A. Hamad, Adewale Abideen Adeyemi
The aim of this paper is to examine the relationship that exists between voluntary and non-non-voluntary Islamic social finance exclusion and sustainable livelihood assets (social capital, natural capital, physical capital, and human capital) among the household’s head in Zanzibar. The survey questionnaire was distributed to the head of household with sample size of 287 and data were collected and analysed based on both factor analysis and structural equation modeling using SPSS 23.0 and Amos 23.0 software. The results indicated that non-non-voluntary Islamic social finance exclusion factors impede financial inclusion of the poor in Zanzibar rather than voluntary Islamic social financial exclusion factors. This implies that non-voluntary Islamic social finance exclusion has great implication for the acquisition of the sustainable livelihood assets due to the combined effect of lack of awareness about Islamic social finance services on one hand and the cost associated to it on the other. This has great implications for the acquisition of the requisite livelihood assets needed to exit the persistent state of poverty raveling Zanzibar. This paper contributes to the government efforts through Waqf and Trust commission Zanzibar (WTCZ) to review these three Islamic social funds (Waqf, zakat and almsgiving) for the purpose of poverty alleviation in Zanzibar.
本文的目的是研究自愿和非自愿的伊斯兰社会金融排斥与桑给巴尔户主的可持续生计资产(社会资本、自然资本、物质资本和人力资本)之间存在的关系。向户主发放调查问卷,样本量为287份,采用SPSS 23.0和Amos 23.0软件进行因子分析和结构方程建模。结果表明,非非自愿的伊斯兰社会金融排斥因素阻碍了桑给巴尔穷人的金融包容性,而不是自愿的伊斯兰社会金融排斥因素。这意味着,非自愿的伊斯兰社会金融排斥对可持续生计资产的获取有很大影响,一方面是对伊斯兰社会金融服务缺乏认识,另一方面是与之相关的成本。这对获得必要的生计资产以摆脱桑给巴尔持续的贫困状态具有重大影响。本文通过桑给巴尔伊斯兰教基金和信托委员会(WTCZ)对这三种伊斯兰教社会基金(Waqf, zakat和almsgiving)进行审查,为桑给巴尔的扶贫工作做出贡献。
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引用次数: 1
Zakat And Waqf: A Panacea For Eradicating Poverty And Hunger In Our Societies/ Communities 天课和瓦克夫:在我们的社会/社区消除贫困和饥饿的灵丹妙药
Pub Date : 2021-09-15 DOI: 10.51377/azjaf.vol2no2.59
Ja’afar Agaji Abdullahi
It is a known fact that the religion of Islam is a religion, which covers all man’s aspects of life, be it social, political or economic. Thus, over fourteen hundred years ago Islam was able to play a vital role in eradication of poverty, unifying human race and salvaging human divinity. Thus, this paper attempt to highlights the role played by Islam in eradication of poverty so as to salvage human dignity and unifying its race. There upon, the paper recommends among other things that eradication of poverty and hunger can only be achieved by following the injunctions given by the Glorious Qur’an and Sunnah of the Prophet (S.A.W).
众所周知,伊斯兰教是一种宗教,它涵盖了人类生活的所有方面,无论是社会、政治还是经济。因此,在1400多年前,伊斯兰教能够在消除贫困、统一人类和拯救人类神性方面发挥至关重要的作用。因此,本文试图强调伊斯兰教在消除贫困,挽救人类尊严和统一种族方面所发挥的作用。在此基础上,本文建议,除其他事项外,消除贫困和饥饿只能通过遵循《光荣的古兰经》和先知圣训(S.A.W)给出的禁令来实现。
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引用次数: 1
Distribution Of Zakat Funds To Achieve SDGs Through Poverty Alleviation In Baznas Republic Of Indonesia 分配天课资金以通过印度尼西亚巴兹纳斯共和国的扶贫实现可持续发展目标
Pub Date : 2020-09-14 DOI: 10.51377/AZJAF.VOL1NO01.7
Zulfikar Hasan
Exterminating poverty and inequality is a present challenge that the SDGs want to overcome. Sustainable Development Goals (SDGs) itself is a continuation of the previous platform of the Millennium Development Goals (MDGs), which was designed by the United Nations and agreed upon by 193 countries. SDGs applied with universal principles, integrity, and inclusive to ensure that all  arties can involve without exception, with the name No One Left Behind. The SDGs have 17 goals and 169 achievement targets,  hich expected to realize in 2030. Zakat contribution to support SDGs is also supported by Law No. 23 of 2011 concerning Management of Zakat, which states that zakat is a religious institution that aims to improve justice and welfare of the community. Besides, specifically in Article 3 of the same Act, it explains that the management of zakat intended; 1) Increase the effectiveness and efficiency of services in the management of zakat, 2) Increase the benefits of zakat to realize community welfare and poverty reduction.
消除贫困和不平等是可持续发展目标希望克服的当前挑战。可持续发展目标(SDGs)本身是千年发展目标(MDGs)平台的延续,千年发展目标是由联合国设计并由193个国家商定的。可持续发展目标以普遍原则、完整性和包容性实施,确保所有各方无一例外地参与其中,其名称为“不让任何人掉队”。可持续发展目标有17个目标和169个具体目标,预计将在2030年实现。2011年关于天课管理的第23号法律也支持天课对支持可持续发展目标的贡献,该法律规定天课是一个旨在提高社会正义和福利的宗教制度。此外,特别是在同一法案第3条中,它解释说天课的管理意图;1)提高zakat管理服务的有效性和效率;2)提高zakat的效益,实现社区福利和减贫。
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引用次数: 3
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AZKA International Journal of Zakat & Social Finance
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