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  • 7/25/2019 Nota Pengurusan Kewangan Organisasi Islam

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    PM 3163

    PENGURUSANKEWANGAN ORGANISASIISLAM

    Prof Madya Dr. Razaleig M!a"a# $

    Ka%a&gi#

    U'#az A&!ar P!#e

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    BAB 1

    PERANAN INSTITUSI KEWANGAN ISLAM

    1. Pengenalan

    Pe&gaara (e%a&ga& da)a# di(a#egori(a& (e)ada #iga (a#egori 'e)er#i *eri(!#i. I&'#i#!'i de)o'i# 'e)er#i *a&( *a&(.

    ii. I&'#i#!'i *er*e!( (ora( 'e)er#i 'yari(a# i&'!ra&'. K!")!la& %a&g 'i")a

    )e(er,a da& )e&-e& da& 'e*agai&ya.

    iii. I&'#i#!'i )ela*!ra& 'e)er#i 'yari(a# )ela*!ra&. U&i# )ela*!ra& a"a&a

    'e*agai&ya.

    INSTITUSI KEWANGAN ISLAM2.1Perbankan Islam

    Peranan:

    Keadlan

    I!san

    Persembangan

    Amar Makr"# Na! M"ngkar

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    . Taka#"l

    Peranan:

    i. Sali&g *er#a&gg!&g,a%a*

    ii. Sali&g *e(er,a'a"a da& *a! "e"*a!

    iii. Sali&g li&d!&g/"eli&d!&gi dari 'e*ara&g (e'!'aa& da&

    "!'i*a

    .3 Ins"rans

    Peranan dan $angg"ng%a&abn'a men%a"!kan dar "ns"r

    berk"$:

    i. U&'!r garar 0"e&,a!(a& *e-a&a

    ii. U&'!r "ay'ir a#a! )er,!dia&

    iii. U&'!r M!a"ala Ri*a

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    BAB 2

    PELABURAN (ANG )IBENARKAN ISLAM

    Pela*!ra& "er!)a(a& a(#i2i#i "e&!(ar 'e'!a#! ar#a 0lazi"&ya %a&g#!&ai de&ga& ar#a lai& 0'e)er#i 'aa" 'yari(a# a(a!& 'i")a&a&i&'!ra& ar#a&a ya&g ,!ga di'e*!# )e&a&a"a& "odal )ada 'e'!a#!%a(#! a#a! 'e(ara&g de&ga& ,a&g(aa& !!( "e&da)a#(a& )!la&ga&ya&g )o'i#if a#a! (e!!&ga& )ada "a'a a(a& da#a&g 'e#ela

    "e"*!a# )er(iraa& a(a& ri'i(o *agi 'e#ia) a(#i2i#i )ela*!ra& #er'e*!#

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    Prns*+*rns* Pelab"ran dar Pers*ek$# Islam

    i 4ida( "ela*!r dala" a(#i2i#i )er&iagaa& ya&g diara"(a&

    ole 'yara(

    ii. 4iada ,a"i&a& #erada) (e!!&ga&

    iii. 4iada %!,!d !&'!r garar 0(e#ida()a'#ia& a#a! ele"e&

    )er,!dia&

    i2. 4iada !&'!r )a('aa& dala" (e)!#!'a& "e"*!a# )ela*!ra&

    2. 4ida( #erli*a# dala" ri*a

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    ,ens+,ens Pelab"ran 'ang )benarkan Islam

    1. Taka#"l4a(af!l *er"a('!d 'ali&g "e&,a"i& 'ali&g "e&,aga da& 'ali&g "e"eliara. Si'#e"#a(af!l di#!*!(a& de&ga& (e'edara& !"a# I'la" ya&g i&gi& "e&gaya#i I'la"'e-ara "e&yel!r!. 5al'afa #a(af!l "e&e(a&(a& (e)ada (ei(la'a& da& di *a%a

    (eo&'e) i&i )ara )e'er#a *er'e#!,! agar '!"*a&ga& (e%a&ga& *erda'ar(a& (e)adatabarruya&g "a&a )ara )e'er#a *er'e#!,! agar '!"*a&ga& ya&g di*eri(a&dig!&a(a& !!( "e"*a! )ara )e'er#a dala" )ela& #a(af!l ya&g *er(e&aa&

    Pri&'i)/)ri&'i) 4a(af!l

    1. Sali&g #olo&g/"e&olo&g+ )ri&'i) 'ali&g *e(er,a'a"a da& #olo&g"e&olo&g aara 'a#! 'a"a lai& 'a&ga# digala((a& ole I'la".

    . Sali&g *er(or*a&+ )ri&'i) )e&gor*a&a& #ela di#!&,!((a& "elal!i

    (o&'e) ,iad ya&g 'a&ga# di#e(a&(a& dala" I'la". Melal!i ,iad'e'eora&g i#! "e&gor*a&(a& "a'a #e&aga ar#a da& dara&ya !!("e"a'#i(a& agar ora&g lai& "e&da)a# "a&faa# dari)ada )e&gor*a&a&ya&g "ere(a la(!(a&

    3. Pri&'i) Sali&g Me&,a"i&

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    2. -aka$

    a(a# "er!)a(a& 'a#! 'yaria# (e"a&!'iaa& ya&g (e(al. Syaria#za(a# di%ari'i dari)ada &a*i/&a*i #erda!l! 'e*el!" (eda#a&ga&aga"a I'la" lagi. 7ayara& za(a# *!(a& *er*e!( 'ag! a#i*a!a& da& *ela' i'a& 'e-ara '!(arela 'e*ali(&ya za(a#

    "er!)a(a& (e%a,i)a& )eria Alla SW4. Ke%a,i)a& i#! "e'#idi#!&ai(a& a)a*ila "e"e&!i 'yara#/'yara# ya&g di#e#a)(a&.a(a# "eli)!#i 'e"!a ,e&i' ar#a (e(ayaa& #er!#a"a&ya ar#a*erf!&g'i !!( *er(e"*a&g.

    . Ba'$ al+Mal

    7ay# al/Mal ,!ga *erf!&g'i 'e*agai age& )ela*!ra& dala" I'la".7ai#!l al/Mal *er#i&da( "e"*eri )i&,a"a& da& "e&eri"a

    'i")a&a&. Dala" al 'e)er#i i&i 7ay# al/Mal i&i le*i *erf!&g'i

    'e*agai *a&( de&ga& "e&,ala&(a& (egia#a&/(egia#a& 'e)er#i

    ya&g dila(!(a& ole *a&( ari i&i 'e)er#i "e&eri"a 'i")a&a&.

    Ke*ia'aa&&ya 'i")a&a& dari)ada ora&g I'la" dala" *e!(

    %a9af da& %a'ia#.

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    /. M"d!araba!

    Pe&g!#a&g *ole "e&da)a# (e!!&ga& a)a*ila )i&,a"a& i#!

    di*eri(a& (e)ada )e&iaga !!( "e&,adi "odal )er&iagaa& a#a!

    dila*!r(a& da& "e&da)a# (e!!&ga&. I&ila ya&g di&a"a(a&mudharabahdala" 'i'#e" I'la". Si'#e" mudharabah"e&ga&d!&gi

    #iga 'yara# +

    i. Pe&g!'aa #ida( di(e&a(a& a)a/a)a ,a"i&a& (e a#a' (er!gia&

    (era&a ia 'e*agai )e"ega&g a"a&a

    ii. Ke!!&ga& di*aagi "e&gi(!# )er'e#!,!a& 'a"a ada 1:; a#a!

    1+3 (adar&ya #ida( di#e#a)(a&.

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    0. S'rka! ,3

    Syir(a adala a(ad aara d!a ora&g *er'yari(a# )ada "odalar#a da& (e!!&ga&. Me&!r!# >a'*i a'/Siddi9ie 'yir(aadala a(ad ya&g *erla(! aara d!a ora&g a#a! le*i !!(

    #a?a%!& dala" *e(er,a )ada '!a#! !'aa da& "e"*aagi(e!!&ga&&ya. 4erda)a# *e!(+

    i. Syir(a al/Mil( + iai#! (er,a'a"a dala" )e"ili(a& a#a' '!a#!

    !'aa de&ga& -ara *er'e)a(a# !!( *er(o&g'i "odal 'e*agai

    #a&da *!(#i "e"ili(i !'aa #er'e*!# #a&)a dida!l!i de&ga&

    (ora( (er,a 'a"a for"al aara )ia( ya&g *e(er,a'a"a.

    ii. Syir(a al/@U9!d + a(ad (er,a'a" !!( "ela(!(a& 'e'!a#!)ro,e( a#a! !'aa *i'&e'' de&ga& "e"*eri(a& "odal a#a!

    #e&aga ya&g dilal!i de&ga& "e&gada(a& (ora( )er'e)a(a#a&

    a#a! )er'e#!,!a& ya&g di)er,a&,i(a& *er'a"a aara "ere(a

    ya&g *e(er,a'a"a.

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    BAB

    PASARAN SA4AM )ARI PERSPEKTI5 ISLAM

    Saa" ,!ga dier#i(a& de&ga& #er*i#a& ya&g di(el!ar(a& ole'e'e*!a 'yari(a# 'e*agai ala# )e"ili(a&. Pe"ega&g 'aa")!la "er!)a(a& )e"ili( 'e'e*!a 'yari(a#. Pe"ili(a& i&i

    dii(#iraf "elal!i 'i,il 'aa" ya&g "a&a a(a& #er-a#a# &a"a)e"ega&g 'aa". Se'e*!a 'yari(a# a&ya *ole"e&er*i#(a& d!a ,e&i' 'aa" 'aa,a iai#! 'aa" *ia'a da&'aa" #er)ili. Saa" *ia'a a(a& di"ili(i ole )e"ili( 'yari(a#i#! 'e&diri "a&a(ala 'aa" #er)ili )!la iala ya&g"e")!&yai -iri/-iri 'i )i!#a&g da& ,!ga )e"ili(.

    Me&!r!# )ara f!9aa I'la" 'e"!a a(#i2i#i e(o&o"i adalaalal (e-!ali ya&g di#ega da& dilara&g dala" I'la". Selai&

    dari)ada ri*a aara ya&g diara"(a& ole I'la" iala)er,!dia& lo#eri ')e(!la'i da& 'e"!a )e"ai&a& &a'i* (era&adala" a(#i2i#i i&i 'eora&g "e&da)a# !!&g di a#a' (er!gia&ra"ai ya&g lai&.

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    PERBE-AAN ANTARA PASARAN ISLAM )AN K6NESI6NAL

    1. Ma#la"a# )a'ara& I'la" iala (e'ela"a#a& da& (e*aagia& di d!&ia da& a(ira#. oo&ya "elal!i &ia

    'e'eora&g dala" "ela(!(a& 'e'!a#! )e(er,aa& iai#! *er&ia# !!( "e&da)a# (eredaa& dari)ada Alla '%#

    Ma&a(ala )a'ara& (o&2e'io&al )!la iala (e*e*a'a& i&di2id! da& (e)!a'a& "a('i"!". 0A*! A"adi B A&'or

    U"ar Si#a&ggal. 1C+C

    . Ke'ei"*a&ga& aara (e*e&daa& da& Keroa&ia&/(egia#a& Pela*!ra& I'la" iala (egia#a& "a&!'ia !!

    "e&da)a#(a& (e*e&daa& #ida( *ole di)i'a(a& dari)ada (eroa&ia&. Ma&!'ia "ela*!r 'e*agai i*ada# (e)ada

    Alla. Segala (egia#a& e(o&o"i ya&g *er,ala& adala a#a' da'ar (e)a#!a& (e)ada 'egala )eria da& araa&

    Alla. 4ida( %!,!d (egia#a& )ela*!ra& ya&g *er#ea&ga& I'la". Ma#la"a# )ela*!ra& a&ya !!( (e)ei&ga

    (e*e&daa& 'e"a#a/"a#a #a&)a "e&gai#(a& de&ga& #!,!a& i*ada#.

    3. Ke*a,i(a&/(e*a,i(a& adala a'a' !#a"a dala" )e&gg!&aa& da& )e&gel!ara&. Ke'ei"*a&ga& aara

    (e)ei&ga& i&di2id! de&ga& "a'yara(a#. I'la" #ida( "e&ga*ai(a& (e)ei&ga& i&di2id! #e#a)i a)a*ila *erla(

    )er#e"*!&ga& aara (e)ei&ga& i&di2id! de&ga& "a'yara(a# "a(a (e)ei&ga& "a'yara(a# di!#a"a(a&.

    Ma&a(ala (o&2e'io&al )!la le*i "e"ei&g(a& i&di2id! 'e-ara "!#la( #a&)a "e&ilai (e)ei&ga& ora&g lai&

    a#a! "a'yara(a#. I&i *ole "e&ye*a*(a& *erla(! )e&i&da'a& da& )e&ga&iayaa&.

    ;.>ar#a/ar#a adala "ili( Alla da& )e"*eria& ar#a (e)ada "a&!'ia a&ya 'e*agai a"a&a da& !,ia& ya&g

    a(a& di)er#a&gg!&g,a%a*(a& da& *!(a& di a(ira# &ai. Ole i#! "a&!'ia a&ya 'e*agai )e"ega&g a"a&a

    da& *!(a& )e"ili( "!#la( ar#a #er'e*!#. Pe&eri"aa&&ya "e'#ila "e&!&ai(a& a(/a( (e a#a'&ya da& #ida

    *ole di)erole a#a! di*ela&,a(a& 'e'!(a a#i. Ko&2e'io&al )!la iala *er'ifa# "ili( "!#la( i&di2id! da& *ole

    di*ela&,a(a& 'e'!(a a#i&ya #a&)a ada )era#!ra& a#a! -a")!r #a&ga& 'e'ia)a. >ar#a ya&g di"ili(i ,!ga adala

    adala a( i&di2id! da& #ida( *ole di(o&g'i de&ga& ora&g lai&.0Sari"a >a&i" A"a& Sa 6+11

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    BAB / PENGURUSAN EK6N6MI ISLAM: M6)EL )AN PERLAKSANAAN

    Se-ara !"!" "e(a&i'"eF)e&g!r!'a& e(o&o"i I'la" di(elo")o((a& "e&,adi d!a iai#!+

    i. Me(a&i'"e e(o&o"i

    Me(a&i'"e e(o&o"i adala "e(a&i'"e "elal!i a(#i2i#i e(o&o"i ya&g *er'ifa# )rod!(#if *er!)a *er*agai (

    )e&ge"*a&ga& ar#a 0#a&"iya# al/"al dala" a(ad/a(ad "!a"ala da& 'e*a*/'e*a* (e)e"ili(a& 0a'*a* al/#a

    7er*agai -ara dala" "e(a&i'"e e(o&o"i i&i aara lai&+

    . Me"*!(a (e'e")a#a& 'el!a'/l!a'&ya *agi *erla&g'!&g&ya 'e*a*/'e*a* (e)e"ili(a& dala" (e)e"ili(a&

    0"i'al&ya *e(er,a di 'e(#or )er#a&ia&i&d!'#ri da& )erdaga&ga&

    . Me"*eri(a& (e'e")a#a& 'el!a'/l!a'&ya *agi *erla&g'!&g&ya )e&ge"*a&ga& ar#a 0#a&"iya# al/"al "elal!i (

    i&2e'#a'i 0"i'al&ya de&ga& 'yir(a "!dara*ada& 'e*agai&ya.

    . Lara&ga& "e&i"*!& ar#a *e&da 0%a&g e"a' da& )era( %ala!)!& #ela di(el!ar(a& za(a#&ya. >ar#a ya&g d

    #ida( a(a& *erf!&g'i )ada e(o&o"i. Pada gilira&&ya a(a& "e&ga"*a# )eredara& (era&a #ida( #er,adi )er)!#ara&

    . Me&ga#a'i )eredara& da& )e"!'a#a& (e(ayaa& di 'a#! daera #er#e! 'a,a "i'al&ya de&ga& "e"era#a(a& )e

    "odal da& "e&doro&g #er'e*ar&ya )!'a#/)!'a# )er#!"*!a&.

    . Lara&ga& (egia#a& "o&o)oli 'er#a *er*agai )e&i)!a& ya&g da)a# "e&,a"i& )a'ara&.

    . Lara&ga& ,!di ri*a ra'!a )e"*eria& *ara&g da& adia(e)ada )e&g!a'a. Se"!a i&i a(a& "e&g!")!l(a& (e)ada )ia( ya&g (!a# 'e"a#a 0'e)er#i )e&g!a'a a#a! (or)ora#.

    . Me"*eri(a& (e)ada ra(ya# a( )e"a&faa#a& *ara&g/*ara&g "ili( !"!" 0al/ "il(iya al/a"a ya&g di(elola

    'e)er#i a'il !#a& *ara&g galia& "i&ya( ele(#ri( airda& 'e*agai&ya de"i (e'e,a#eraa& ra(ya#.

    ii. Me(a&i'"e &o&/e(o&o"i

    Me(a&i'"e &o&/e(o&o"i adala "e(a&i'"e ya&g #ida( "elal!i a(#i2i#i e(o&o"i ya&g )rod!(#if "elai&(a& "elal!i a&o&/)rod!(#if "i'al&ya )e"*eria& 0i*a 'ede(a za(a# dll a#a! %ari'a&.Me(a&i'"e &o&/e(o&o"i di"a('!d(a&"ele&g(a)i "e(a&i'"e e(o&o"i.

    http://ms.wikipedia.org/wiki/Pertanianhttp://ms.wikipedia.org/wiki/Pertanianhttp://ms.wikipedia.org/wiki/Industrihttp://ms.wikipedia.org/wiki/Perdaganganhttp://ms.wikipedia.org/wiki/Mudharabahhttp://ms.wikipedia.org/wiki/Mudharabahhttp://ms.wikipedia.org/wiki/Monopolihttp://ms.wikipedia.org/wiki/Judihttp://ms.wikipedia.org/wiki/Ribahttp://ms.wikipedia.org/wiki/Rasuahhttp://ms.wikipedia.org/w/index.php?title=Hadiah&action=edit&redlink=1http://ms.wikipedia.org/w/index.php?title=Hasil_hutan&action=edit&redlink=1http://ms.wikipedia.org/w/index.php?title=Barang_galian&action=edit&redlink=1http://ms.wikipedia.org/wiki/Minyakhttp://ms.wikipedia.org/wiki/Elektrikhttp://ms.wikipedia.org/wiki/Airhttp://ms.wikipedia.org/w/index.php?title=Hibah&action=edit&redlink=1http://ms.wikipedia.org/wiki/Sedekahhttp://ms.wikipedia.org/wiki/Zakathttp://ms.wikipedia.org/w/index.php?title=Warisan&action=edit&redlink=1http://ms.wikipedia.org/w/index.php?title=Warisan&action=edit&redlink=1http://ms.wikipedia.org/w/index.php?title=Warisan&action=edit&redlink=1http://ms.wikipedia.org/wiki/Zakathttp://ms.wikipedia.org/wiki/Sedekahhttp://ms.wikipedia.org/w/index.php?title=Hibah&action=edit&redlink=1http://ms.wikipedia.org/wiki/Airhttp://ms.wikipedia.org/wiki/Elektrikhttp://ms.wikipedia.org/wiki/Minyakhttp://ms.wikipedia.org/w/index.php?title=Barang_galian&action=edit&redlink=1http://ms.wikipedia.org/w/index.php?title=Hasil_hutan&action=edit&redlink=1http://ms.wikipedia.org/w/index.php?title=Hadiah&action=edit&redlink=1http://ms.wikipedia.org/wiki/Rasuahhttp://ms.wikipedia.org/wiki/Ribahttp://ms.wikipedia.org/wiki/Judihttp://ms.wikipedia.org/wiki/Monopolihttp://ms.wikipedia.org/wiki/Mudharabahhttp://ms.wikipedia.org/wiki/Perdaganganhttp://ms.wikipedia.org/wiki/Industrihttp://ms.wikipedia.org/wiki/Pertanian
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    Pe"*a&g!&a& *a&dar/e(o&o"i

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    Pe"*a&g!&a& )e&didi(a&/e(o&o"i

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    PEM7ERIAN AKA4/NON/EKONOMI

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    PEM7ERIAN WASIA4/NON EKONOMI

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    BAB 0+ ISU AGI4AN PEN)APATAN )I MALA(SIA

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    BAB 8

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    BAB 8

    PERMASALA4AN SIKAP MAS(ARAKAT ISLAM )I MALA(SIA

    BER4UBUNG PENGURUSAN 4ARTA PUSAKA )AN

    PEN(ELESAIANN(A MENURUT

    PERSPEKTI5 ISLAM

    A3SIKAP SUKA BERTANGGU4 )AN BERLENGA4+LENGA4B3SIKAP MENGAMBIL MU)A4

    93 PERBALA4AN )AN PERTELAGA4AN

    )3SIKAP BERGANTUNG 4ARAP PA)A PI4AK+PI4AK TERTENTU

    E3 SIKAP TAMAK )AN MEMENTINGKAN )IRI

    53 SIKAP 9UAI A4LI WARIS

    G3SIKAP TI)AK MEMENTINGKAN PENGURUSAN 4ARTA SELEPAS

    KEMATIAN

    43KURANG PENGETA4UAN UN)ANG+UN)ANG PUSAKA ISLAM

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    4i&da(a& Kera,aa&+

    1. "e&er*i#(a& i(la&/i(la& (e'edara& ya&g *er#e"a(a& @-eli( )e&g!r!'a& ar#a )!'a(a? di

    'e"!a ra&g(aia& #ele2i'ye& radio da& di la"a&/la"a& %e* age&'i *er(ai#a&.

    . "e&yedia(a& "a&!al ri&g(a' *er*e!( ri'ala a#a! *ro'!r di #e")a#/#e")a# #!")!a&

    a%a" 'e)er#i di )!'a#/)!'a# )er&iagaa& age&'i/age&'i (era,aa& ya&g *er!r!'a& de&ga&

    ora&g ra"ai da& lai&/lai&.

    3. "e&a%ar(a& i&'eif/i&'eif #er#e! *agi "e&ggala((a& )rod!'er/)rod!'er #e")a#a&

    "e&er*i#(a& dra"a =le" a#a! 'lo#/'lo# dala" ra&-a&ga& di ra&g(aia& #ele2i'ye& #e")a#a&

    ya&g di'iar(a& 'e-ara *er(ala *er!*!&g de&ga& (e)ei&ga& )e&g!r!'a& ar#a )!'a(a.

    ;. "e%!,!d(a& (li&i( *ergera( *er*e!( non-commercialised clinic de&ga& "e&gada(a&

    road show'e-ara )er-!"a da& dila('a&a(a& *er#er!'a& di 'el!r! &egara.

    . "e")er(a'a )rogra" *er*e!( dialog aara age&'i/age&'i ya&g *er#a&gg!&g,a%a*

    'e-ara la&g'!&g dala" )e&g!r!'a& da& )ead*ira& ar#a )!'a(a 'e)er#i U&i#FSe('ye&

    P!'a(a Ke-il

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    BAB SKIM AR+RA4NU: ALTERNATI5 KEPA)A SISTEM PA,AK GA)AI K6NENSI6NAL

    Si'#e" gadaia& I'la" #ela *er#a)a( di Malay'ia le*i dari)ada 1 de(ad. Si'#e" i&i #ela

    dia'a'(a& ole Haya'a& Pe"*a&g!&a& E(o&o"i I'la" Malay'ia 0HPEIM da& (era,aa& &egeri

    ya&g *ero)era'i "elal!i 7a&( Ra(ya# Per"odala& Kelaa& 7erad M!a'a'a Gadaia& I'la"

    4ere&gga&! (o)era'i HPEIM da& *e*era)a (o)era'i lai&. Se"e&,a( di)er(e&al(a& )er"iaa&

    #erada) )rod!( i&i a"a# "e&ggala((a&. 7erda'ar(a& da#a ya&g di*eri(a& ole *e*era)a

    )a,a( gadai a&ggara& ,!"la (redi# ya&g di#a%ar(a& #ela "e&i&g(a# dari)ada RM1 ,!#a)ada 1CC (e)ada RM13 ,!#a )ada a(ir . Ka,ia& A*d!l Gafar da& Nor a(ia 01CC

    da& R!gaya 01C6 "e&da)a#i )a,a( gadai *er)o#e&'i 'e*agai age& )e"*a&g!&a&

    "a'yara(a# (era&a ia "e&a%ar(a& (redi# (e)ada golo&ga& ya&g #er(el!ar dari)ada )a'ara&

    (e%a&ga& for"al

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    6PERASI AR+RA4NU

    Pada !"!"&ya '(i" Ar/Ra&! adala *erda'ar(a& (e)ada #iga )ri&'i) iai#! Jard!l >a''a&

    0)i&,a"a& #a&)a (adar *!&ga #e#a)i )e"i&,a" "e"*ayar -a, )er(id"a#a& Wadia Had

    Da"a""a 0"e&yi")a& *ara&g *erarga de&ga& ,a"i&a& da& Al/U,ra 0!)a 'i")a& a#a'

    &ilaia&. Ke#iga/#iga (o&'e) i&ila ya&g "e"*eza(a& )er(id"a#a& )a,a( gadai (o&2e&'io&alda& )a,a( gadai I'la". Pa,a( gadai (o&2e&'io&al #ida( "e")!&yai 'a#! !(!ra& ra'"i !!(

    "e&e!(a& *aa%a )i&,a"a& ya&g di*eri(a& adala *er)a#!#a& de&ga& &ilai *ara&g

    )a,a(a&. I&i *er*eza de&ga& )a,a( gadai I'la" (era&a di#e#a)(a& 'yara#/'yara# #er#e! *agi

    "e&g!(!r &ilaia& gadaia& '!)aya )i&,a"a& ya&g di*eri(a& adala le*i adil da& #ida(

    "e"*ela(a&gi (e)ei&ga& )e&gg!&a. Dari 'egi *ara&g )a,a(a& )!la )a,a( gadai

    (o&2e&'io&al "e&eri"a )a,a(a& *er*e!( *ara&g (e"a' *ara&g *erarga 'e)er#i ,a"

    #a&ga& *er,e&a"a da& ala# ele(#ri( 0A*d!l Gafar 1CC. 7er*eza de&ga& )a,a( gadai I'la"

    ya&g "a&a "e&e#a)(a& *ara&g gadaia& adala e"a' #!le& ya&g di'a(a& ole )a(ar )e&ilai

    e"a'. 7agi 7a&( Ra(ya# da& 7a&( Per#a&ia& Malay'ia &ilai e"a' di!,i de&ga& "e&gg!&a(a&ala# (!'!' ya&g "a&a "e"*eri(a& &ilai ya&g )ali&g #e)a# iai#! "e&gg!&a(a& @de-i"e#er?.

    Pia( *a&( #ida( a(a& "e&eri"a e"a' )a!& da& e"a' )!#i 0)la#i&!".

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    SUMBANGAN PA,AK GA)AI ISLAM

    1. Me&i&g(a#(a& )re'#a'i *a&(. Me&ggala((a& raaia& i&d!'#ri

    3. S!"*er "odal

    ;. Me&gela((a& )e&i)!a& da& )e&i&da'a&

    . Me&g!ra&g(a& (e"i'(i&a&

    6. Me&i&g(a#(a& )e&g!")!la& a'e# e"a'

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    IMPLIKASI )ASAR

    1. Me&a"*a *ila&ga& (a!er Ar/Ra&!

    . Me&g!*a )er'e)'i "a'yara(a#

    3. Ke)erl!a& a(#a (!'!'

    ;. Me")el*agai(a& *ara&g gadaia&

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    BAB ;+ ASPEK KUTIPAN )ALAM PENTA)BIRAN )AN

    PENGURUSAN -AKAT:

    PENGALAMAN MALA(SIA

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    PENTA)BIRAN )AN PENGURUSAN -AKAT

    Pead*ira& da& )e&g!r!'a& za(a# &egeri/&egeri di Malay'ia )ada a'a'&ya

    adala #erle#a( di *a%a (!a'a &egeri ya&g "a&a ia dile#a((a& di *a%a

    )ead*ira& Ma,li' Aga"a I'la" Negeri. Pead*ira&&ya di!r!'(a& ole

    7aagia& 7ai#!lFa(a# di *a%a !(!" Syara( *agi )ia(

    Ha&g di/Per#!a& Ago&g

    7agi "eli-i& da& "e"aa)(a& lagi )ead*ira& da& )e&g!r!'a& za(a# (eara ya&g le*i )rofe'io&al la&g(a dra'#i( #ela dia"*il ole 'e*aagia&*e'ar &egeri/&egeri di Malay'ia de&ga& "e&g(or)ora#(a& )e&g!r!'a& za(a#

    7 * l ( # l di *il * i i ( #( l i ( #i ( # i i#

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    7e*era)a la&g(a #ela dia"*il *agi "e&i&g(a#(a& lagi !r!'a& (!#i)a& za(a# iai#!+/

    i. "e")er*a&ya((a& (a!er/(a!er )e"*ayara& za(a# ya&g di!r!' ole )!'a#/)!'a#

    za(a#. Di 'el!r! Sela&gor "i'al&ya #erda)a# (a!er )e"*ayara& za(a# ya&g di*!(a

    ole Le"*aga a(a# Sela&gor *agi "e"!da(a& !"a# I'la" "e"*ayar za(a#.0R!,!(

    Ra,a ;

    ii. "elal!i )elai(a& *a&(/*a&( i&'#i#!'i )e&ga,ia& #i&ggi a%a" da& ,!ga age&'i/age&'i

    (era,aa& 'e*agai a"il 'e)er#i 7a&( I'la" 0M 7erad 7a&( M!a"ala# 0M 7d. R>7 7dMay*a& 7d. A"7a&( 7d Pe,a*a# Po' 7iro A&g(a'a U&i2er'i#i 4e(&olo,i Mara 0Ui4M da&

    U&i2er'i#i P!#ra Malay'ia. Mala !&i2er'i#i/!&i2er'i#i i&i da& 'e*aagia& ya&g lai& #ela

    di*eri (!a'a ole Ma,li' Aga"a I'la" Negeri !!( "e&gagi(a& %a&g za(a# (!'!'

    (e)ada "aa'i'%a "a'i&g/"a'i&g "i'al&ya U&i2er'i#i Ke*a&g'aa& Malay'ia.0R!,!( ra,a

    3

    iii. (e"!daa& )e"*ayara& za(a# "elal!i ier&e# #ela di)er(e&al(a& dia")ir 'el!r!

    &egeri "elal!i i&'#i#!'i/i&'i#!'i )er*a&(a& ya&g ada di Malay'ia.

    i2. )e"*ayara& za(a# "elal!i SMS da& ,!ga (ad (redi#.0R!,!( Ra,a 3

    2. (e"!daa& )o#o&ga& ga,i *agi (a(i#a&ga& a%a" ,!ga #ela di)er(e&al(a& *agi"e"!da(a& !"a# I'la" "e&gel!ar(a& za(a# (!'!'&ya za(a# )e&da)a#a&.0R!,!( Ra,a

    3

    2i. I&'eif ya&g di*eri(a& ole (era,aa& )!'a# iai#! "e"*eri(a& )o#o&ga& re*a# -!(ai *agi

    za(a# ya&g di(el!ar(a& "!za((i.

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    7a-a+

    7a* 1

    7a*

    7a* 3

    7a* 6

    7a*