Dawru Al-Waqf al-Mu’aqqat fî al-Tamwîl al-Ijtimâ’i fî al-Mashrîfiyah al-Islâmiyah Bî Malayziyâ
Abstract views: 384
,
PDF downloads: 329
Abstract
This research paper aims to study the "temporary endowment" (Waqf Muaqqat) and its role in activating social financing in Islamic banking in Malaysia, such as the oriental study in the light of the purposes of Islamic law. This article has adopted the qualitative method in its research which correlates to the theorization and regulation of the concepts of the issues in hand in their different dimensions which is jurisprudence, Maqasid, and banking. For the case study “Maybank Islamic” has been selected for viewing and assessing the various aspects related to the said topic. The study also included interviews with some experts of Islamic banking in Malaysia. The study has stemmed the following conclusions and recommendations, which are as follows: 1) Islamic banks have a significant role in intermediating between both the sources of voluntary social financing and the deprived classes of the society, 2) Bank endowments (Waqf) through May Islamic Bank has shown substantial contributions in the social financing. The study further has found many possibilities of making it more effective and expand its reach using the tool of temporary endowment, 3) Temporary bank endowment contributes to achieving the objectives of social cooperation (Takaful), financial growth, and social justices through the medium of Islamic banks. The article concludes by stating that social financing of banks needs various other tools of temporary endowment (Waqf Muaqqat) to help the deprived classes and to extend its reach to meet the requirements for a comprehensive and inclusive development of the overall society.
تهدف هذه الورقة البحثة إلى دراسة "الوقف المؤقت" ودوره في تفعيل التمويل الاجتماعي في المصرفة الإسلامية بمليزيا كالدراسة الاستشراقية في ضوء مقاصد الشريعة الإسلامية. ولقد استخدمت هذه الورقة البحثية المنهج الكيفي في مباحثها المتعلقة بالـتأصيل والضبط لمفهوم الوقف المؤقت وما يتعلق به من القضايا في أبعادها الشرعية والمصرفية في ضوء مقاصد الشريعة؛ واعتمدت الدراسة في الجانب الميداني على اختيار "ماي بنك الإسلامي "كعينة تطبيقية لدراسة الموضوع في جوانبه المتعددة. وخلصت الدراسة إلى جملة من النتائج والتوصيات، من أهمّها:1) فإن الوقف المؤقت في التجربة الماليزية أنه لايزال الاهتمام به في مرحلة التشريعات النظرية في التقنين له ويحتاج إلى إيجاد آليات جديدة لتفعيله في واقع الممارسة.2) "الوقف المؤقت" النقدي آلية استشرافية يقترحها البحث في سدّ عجز التمويل الاجتماعي في منتجات الوقف المصرفي لمصرف" ماي بنك الإسلامي" كعينة مختارة في هذه الدراسة والتي تسعى إلى تحقيق خطة تنموية اجتماعية إلى تفعيله وتوسيعه. 3) النظر المقاصدي في التمويل الاجتماعي المصرفي يدعم اقتراح آلية الوقف المؤقت النقدي كوسيلة فعالة نظرا لما يحققه من مقاصد تنموية اجتماعية؛ ومنها التكافل الاجتماعي، النماء المالي، والعدالة الاجتماعية من خلال وساطة المصارف الإسلامية للمصارف الإسلامية كفاءة في أن يكون لها دور مهم في الوساطة بين مصادر التمويل الاجتماعي التطوعي والطبقات الاجتماعية المحرومة وما يؤهلها لذلك كونها مؤسسات لها إمكانيات في نظم الإدارة والحوكمة.
Downloads
References
Ab Rahman, Muhamad Firdaus, and Muhammad Amanullah, ‘Implementation of Temporary Waqf: A Comparative Study Between Kuwait and Malaysia’, Jurnal Fiqh, 2017 <https://doi.org/10.22452/fiqh.vol14no1.4>
———, ‘The Nature of Temporary Waqf, Its Ruling and Public Interest’, Global Journal Al-Thaqafah, 2017 <https://doi.org/10.7187/gjat122017-11>
Ab Rahman, Muhamad Firdaus, Husain ’Adzmi Abdullah Sayidi, ’Azman Ab Rahman, and Siti Farhiyah Ab Rahim, ‘Right of Waqif to Determine The Conditions of Waqf in Malaysia: An Analytical Study in the Light of Purposes of Waqf’, Journal of Fatwa Management and Research, 16.2 (2019) <https://jfatwa.usim.edu.my/index.php/jfatwa/article/view/259/245>
Al-Bahuti, Mansoor bin Yunus bin Idrees, Sharh Muntaha Al-Iradat, ed. by Abdullah abdul Muhsin Al-Turki (Beirut: Muassasah al-Risalah Nashirun, 2000)
Al-Darder, Ahmad, Al-Sharh Al-Kabir Ma’ Hashiyah Al-Dassuqi (Beirut: Dar al-Fikr, 1998)
Al-Darder, Ahmad bin Muhammad bin Ahmad, Aqrab Al-Masalik Li Madhab Al-Imam Malik (Kano: Maktabah Ayyub, 2000)
Al-Dauli, Majma’ al-Fiqh al-Islami, ‘Al-Istitsmar Bi Al-Waqf Wa Ghulatuh Wa Rai’uhu’, 2004 <http://www.iifa-aifi.org/2157.html> [accessed 3 July 2022]
Al-Hanafi, Ibn al-Humam, Fath Al-Qadeer Sharh Al-Hidayah (Beirut: Dar al-Kutub al-Ilmiyah)
Al-Hattab, Abu Abdullah Muhammad bin Abdurrahman al-Rayini, Mawahib Al-Jalil Sharh Mukhtasar Khalil (Beirut: Dar al-Fikr, 1992)
Al-Kasani, Alauddin Abu Bakr bin Masud bin Ahamd, Badayi Al-Sanayi Fi Tarteeb Al-Sharae (Beirut: Dar al-Kutub al-Ilmiyah, 1986)
Al-Khurshi, Abu Abdullah Muhammad, Sharh Al-Khurshi Ala Mukhtasar Khalil (Egypt: al-Matba’ al-Amiriyyah)
Al-Maghribi, Abdul Hamid Abdul Fattah, Al-Idarah Al-Istiratijiyyah Fi Al-Bunuk Al-Islamiyyah (Jeddah: Manshurat al-Bank al-Islami li al-Tanmiyah, 2004)
‘Al-Majlis Al-Dini Li Al-Islam Wa Al-’Adat Al-Malawi’ <http://wakafperak.gov.my/portal/index.php/en/> [accessed 3 July 2022]
Al-Mawardi, Abul Hasan Ali bin Muhammad bin Habib, Al-Hawi Al-Kabir Fi Fiqh Al-Imam Al-Shafi (Beirut: Dar al-Kutub al-Ilmiyah, 1994)
Al-Najafi, Muhammad al-Hasan al-Baghdadi, Hidayatul Anam (Iraq: Matba’ al-Najaf)
Al-Qarradaghi, Ali Muiddin, ‘Mabda’ Al-Masrafiyya Al-Ijtimayiyyah, International Shariʽah Research Academy for Islamic Finance’, in 14th Conference of Shariah Scholars on Islamic Finance, 2019
Al-Sarkhusi, Shamsuddin, Al-Mabsoot (Beirut: Dar al-Marifah, 1089)
Al-Sharbeeni, Shamsuddin Muhammad bin Khateeb, Mughni Al-Muhtaj Ila Ma’rifati Alfaz Al-Minhaj, ed. by Muhammad Khalil Eitani (Beirut: Dar al-Marifah, 1997)
Al-Syayab, Muhammad Khaled, ‘Jadalu Al-Din Wa Al-Daulah Fi Al-Fikr Al-Arabi Al-Mu’ashir: Burhan Ghilyun Wa Muhammad Arkun Wa Rashed Al-Ghanusyi Namudzajan’, Dirasat: Al-Ulum Al-Insaniyah Wa Al-Ijtima’iyah, 38.3 (2011), 890–904
‘Al-Tamweel Al-Ijtimayi: Ma Huwa? Wa Limadha Yuhimmu?’ <https://www2.deloitte.com/global/en/pages/financial-services/articles/social-finance.html> [accessed 3 July 2022]
Al-Zarqa, Mustafa Ahamd, Ahkam Al-Auqaf (Jordon: Dar Ammar, 1998)
Ayyash, Muhammad Salih, ‘Al-Masuliyyah Al-Ijtimayiyyah Li Al-Masarif Al-Islamiyyah: Tabiatuha Wa Ahmiyyatuha’, in Manshurat Al-Bank Al-Islami Li Al-Tanmiyah, Taqweem al (IIIT Press, 2010)
Bank, May, MAY BANK SUSTAINABILITY REPORT 2016 (Kuala Lumpur, 2016), LI <https://www.maybank.co.id/-/media/Downloaded-Content/CSR-Sustainability-Report/Sustainability-Report-Maybank-Indonesia-2016.pdf>
———, ‘Waqaf Perak Ar-Ridzuan’ <https://www.maybank2u.com.my/WebBank/waqf180518_eDM.pdf> [accessed 4 March 2022]
Binjalun, Abdurrahman, Al-Riyayah Al-Ijtimayiyyah Wa Al-Tanmiyah Min Mandhour Maqasidi (Cairo: Dar al-Kalima, 2022)
‘Central Bank of Malaysia, Value-Based Intermediation: Strengthening the Roles and Impact of Islamic Finance’ <https://www.bnm.gov.my/index.php?ch=57&pg=137&ac=612&bb=file>
Djafri, Fares, Mohamad Akram Laldin, and Sharifah Zubaidah Syed Abdul Kader, ‘Tathawwur Al-Hukumah Wa Itharu Al-’Amal Al-Qanuni Wa Al-Muassasati Li Al-Waqf Bi Malayzia’, Sultan Qaboos University of Legal Studies Journal, 1.1 (2022), 3–30
Hariyanto, Erie, Muhammad Taufiq, Zainal Abidin, Miftahul Ulum, and Maimun, ‘Effectiveness of the Economic System to Zakat and Waqf for Empowerment of the Ummah in Indonesia’, International Journal of Advanced Science and Technology, 29.6 (2020), 1910–16
Iman, Abdul Hamid Mar, Waqf Property: Concept, Management, Development, and Financing (Kuala Lumpur: UTM Press, 2014) <https://penerbit.utm.my/booksonline/waqf-property-concept-management-development-and-financing/>
Institute Islamic Research and Training, Islamic Social Finance Report 2015, 2015
Kahf, Monzer, Al-Waqf Al-Islami (Beirut: Dar al-Fikr al-Mu’ashir, 2000)
Mukriaji, Ahmad, Harisah, and Syarifah Gustiawati Mukri, ‘Position of Kyai in Traditions and Ideologies of Traditional Waqf in Maduranese Communities’, International Journal of Advanced Science and Technology, 2020
Nasir, Haidar, ‘Al-Tamweel Al-Ijtimayi: Qawaed Wa Mabadi’ Wa Tatbeeqat’, in 13th Conference of Shariah Scholars on Islamic Finance (Finance, International Shariʽah Research Academy for Islamic, 2018)
Nour Aldeen, Khaled, Inayah Swasti Ratih, and Risa Sari Pertiwi, ‘Cash Waqf from the Millennials’ Perspective: A Case of Indonesia’, ISRA International Journal of Islamic Finance, 2022 <https://doi.org/10.1108/IJIF-10-2020-0223>
Nujaim, Ibnu, Al-Bahr Al-Raiq Syarh Kanz Al-Daqaiq (Cairo: Dar al-Kutub al-Ilmiyah)
Nur, Iffatin, Syahrul Adam, and M. Ngizzul Muttaqien, ‘Maqāṣid Al-Sharī‘at: The Main Reference and Ethical-Spiritual Foundation for the Dynamization Process of Islamic Law’, Ahkam: Jurnal Ilmu Syariah, 20.2 (2020), 331–60 <https://doi.org/10.15408/AJIS.V20I2.18333>
‘Official Website May Bank’ <https://www.maybank.com/en/about-us/who-we-are/overview.page?> [accessed 11 March 2022]
Rahman, Muhamad Firdaus Bin Abdul, and Muhammad Amanullah, ‘Challenges and Problems Facing the Application of Temporary Waqf in Selected States of Malaysia: New Issues and Their Guiding Rules’, Journal of King Abdulaziz University, Islamic Economics, 2017 <https://doi.org/10.4197/Islec.30-3.12>
Ramli, Asharaf Mohd, and Abdullaah Jalil, ‘Model Perbankan Wakaf Korporat: Analisis Wakaf Selangor Muamalat’, Jurnal Pengurusan (UKM Journal of Management), 42.0 (2014), 159–67 <http://ejournal.ukm.my/pengurusan/article/view/9218> [accessed 30 December 2022]
Soulahi, Younus, ‘Al-Itar Al-Maqasidi Li Istismar Al-Masul Ijtimayyiyan Wa Al-Wisatah Al-Maliyyah Al-Qaima Ala Al-Qiyam’, in 13th Conferences of International Shariʽah Research Academy for Islamic Finance, 2018
Sulistiani, Siska Lis, ‘The Legal Position of Waqf for Non-Muslims in Efforts to Increase Waqf Assets in Indonesia’, Samarah, 2021 <https://doi.org/10.22373/sjhk.v5i1.9161>
Taufiq, Muhammad, ‘A Critique against the Perspective of Al-Thufy on the Contradiction of Maslahat and the Holy Text’, Millati: Journal of Islamic Studies and Humanities, 5.2 (2020), 121–28 <https://doi.org/10.18326/mlt.v5i2.121-128>
Yaacob, Hisham, and Hisham Yaacob, ‘Waqf History and Legislation in Malaysia : A Contemporary Perspective’, Journal of Islamic and Human Advanced Research, 2013
Zuhra, Muhammad Abu, Muhadhrat Fi Al-Waqf (Beirut: Dar al-Fikr al-Arabi, 1971)
Copyright (c) 2023 AL-IHKAM: Jurnal Hukum & Pranata Sosial
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
In order to be accepted and published by Al-Ihkam: Jurnal Hukum dan Pranata Sosial, author(s) submitting the article manuscript should complete all the review stages. By submitting the manuscript, the author(s) agreed to the following terms:
- The copyright of received articles shall be assigned to Al-Ihkam: Jurnal Hukum dan Pranata Sosial as the publisher of the journal. The intended copyright includes the right to publish articles in various forms (including reprints). Al-Ihkam: Jurnal Hukum dan Pranata Sosial maintain the publishing rights to the published articles.
- Authors are permitted to disseminate published articles by sharing the link/DOI of the article at Al-Ihkam: Jurnal Hukum dan Pranata Sosial. Authors are allowed to use their articles for any legal purposes deemed necessary without written permission from Al-Ihkam: Jurnal Hukum dan Pranata Sosial with an acknowledgment of initial publication to this journal.
- Users/public use of this website will be licensed to CC-BY-SA.
.png){kind=logo}
