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Mikro Kredit Daripada Dana Zakat Jurnal Darul Quran. Bil. 21. 2017 MIKRO KREDIT DARIPADA DANA AKAT APLIKASI DI INSTITUSI AKAT MIKRO KREDIT DARIPADA DANA AKAT APLIKASI DI INSTITUSIleh AKAT Nurul Ilyanaleh uhd dnan1 Nurul Ilyana uhd dnan1 Aak rikel ini ruuanAak nra pemberian al era unu rniaaan melalui ir kri l iniui rikelaa ini i ruuannara la nra an alikaina pemberian i al iniui era aa unui Malaia.rniaaan Di melaluialaia ir aa krieika lini al iniui era aaunu i nararniaaan la an iseiaan alikaina icara iniui percua. aa i Malaia.Peralanna Di ala aaaia aaaan eikarlau ini sekirana al era uau unukeika rniaaan elak aaun iseiaan unuan aacara aunan percua. tera Peralannaseanan aaalnan aan ana rlau ain sekirana beraa uau keikaaa elak lai aaun mberian unuan al aa era aunan ala tera enu seananir kri lnan an iaarkan ana aineika ini iaaanberaa ia aabea laiariaa mberian unur -alunur ria.era Daaanala enuariaa iranalii kri ankanunan iaarkan raarkan eika ini iaaan aa iaprir beameaerkan ariaa unur aaa-unur raa ria. Daaan aa uuariaa an analiimembenarkan kanunan anuan raarkan al unu perniaaanaa prir ala meaerkanbenu ir aaakri an raa iiaai aa ariaa uu ana an aa. membenarkanAkan uru aiuaannuan al aaa unu laperniaaan aa mberian ala benual ir era kri ala an nu iiaai ir ariaa ri anayan aa.iiaai Akanariaa uru iuaanana aa aaai iniui la aa aa i mberiannara la alyan era l ala iaian nu modelir unuri yanialiaian iiaai i ariaainiui ana-iniui aa aa i iniui i alaia aa. i nara la yan l iaian model unu ialiaian i iniuiKat- iniuiKunc aair i redi, alaia ana. aa iniui aka Kat Kunc ir redi, ana aa iniui aka 1 Pensyarah anan, ab. Syariah, akulti Pengajian slam, niversiti ebangsaan alaysia 1 Pensyarah anan, ab. Syariah, akulti Pengajian slam, niversiti ebangsaan alaysia 132 Jurnal Darul Quran. Bil. 21. 2017 PENDAHULUAN PENDAHULUAN Zakat memainkan eranan yang enting dalam memastikan setia ahli Zakat memainkan eranan yang enting dalam memastikan setia ahli masyarakat daat memenuhi keerluan asas masing-masing. Zakat masyarakat daat memenuhi keerluan asas masing-masing. Zakat daat memastikan ujudnya kestabilan dalam ersekitaran ekonomi daat memastikan ujudnya kestabilan dalam ersekitaran ekonomi di saming menjana ermintaan khususnya dariada golongan di saming menjana ermintaan khususnya dariada golongan berendapatan rendah. engan ujudnya mekanisme zakat ini, berendapatan rendah. engan ujudnya mekanisme zakat ini, kedudukan ekonomi golongan miskin akan sentiasa terbela, manakala kedudukan ekonomi golongan miskin akan sentiasa terbela, manakala golongan kaya akan membantu dan rihatin. al ini secara langsung golongan kaya akan membantu dan rihatin. al ini secara langsung atau tidak langsung akan meujudkan kestabilan ekonomi dan sosial atau tidak langsung akan meujudkan kestabilan ekonomi dan sosial kerana tiada ihak yang merasa tertindas. kerana tiada ihak yang merasa tertindas. i alaysia ketika ini, institusi-institusi zakat dan Baitul al i alaysia ketika ini, institusi-institusi zakat dan Baitul al juga tidak ketinggalan menyalurkan bantuan modal kerja keada juga tidak ketinggalan menyalurkan bantuan modal kerja keada usahaan kecil. Bantuan modal kerja yang diberi ini adalah ercuma. usahaan kecil. Bantuan modal kerja yang diberi ini adalah ercuma. Sama ada dalam bentuk tunai mahuun eralatan. Ia bertujuan untuk Sama ada dalam bentuk tunai mahuun eralatan. Ia bertujuan untuk membantu golongan asna mengubah kehiduan ke arah yang lebih membantu golongan asna mengubah kehiduan ke arah yang lebih baik. ntuk jangka anjang diharap enerima zakat mamu bertukar baik. ntuk jangka anjang diharap enerima zakat mamu bertukar status menjadi embayar zakat2. Persoalannya, aakah akan berlaku status menjadi embayar zakat2. Persoalannya, aakah akan berlaku sekiranya suatu ketika kelak amaun ungutan zakat tahunan terjejas sekiranya suatu ketika kelak amaun ungutan zakat tahunan terjejas sedangkan golongan asna semakin bertambah atah lagi sedangkan golongan asna semakin bertambah atah lagi emberian modal kerja dalam bentuk mikro kredit yang ditawarkan emberian modal kerja dalam bentuk mikro kredit yang ditawarkan ketika ini dikatakan tidak bebas dariada unsur-unsur riba. ketika ini dikatakan tidak bebas dariada unsur-unsur riba. 2 Rosbi Abd.Rahman, Sane hmad dan airunnizam ahid. 2008. Prlaanaan Banuan2 Rosbi Abd.Rahman, dal aat: Sane nalii hmad randingan dan airunnizam. Seminar ahid. ebangsaan 2008. Prlaanaan konomi Banuanalaysia. dalal. 3 aat: nalii randingan. Seminar ebangsaan konomi alaysia. al . 3 133 Jurnal Darul Quran.engan Bil. 21. 2017itu, erbincangan dalam artikel ini dibahagikan engan itu, erbincangan dalam artikel ini dibahagikan keada engantiga bahagian. itu, erbincangan Bahagian ertamadalam artikelakan membincangkanini dibahagikan keada engantiga bahagian. itu, erbincangan Bahagian ertamadalam artikelakan membincangkanini dibahagikan tentangkeada modaltiga bahagian.kerja yang Bahagian disediakan ertama oleh institusi akan zakat.membincangkan Ini diikuti tentangkeada modaltiga bahagian.kerja yang Bahagian disediakan ertama oleh institusi akan zakat.membincangkan Ini diikuti dengantentang modalbahagian ke rjakedua yang yangdisediakan akan olehmembincangkan institusi zakat. tentang Ini diikuti asas dengantentang modalbahagian ke rjakedua yang yangdisediakan akan olehmembincangkan institusi zakat. tentang Ini diikuti asas hukumdengan yangbahagian membenarkan kedua yang modal akan kerja membincangkan secara mikro tentangkredit yangasas hukumdengan yangbahagian membenarkan kedua yang modal akan kerja membincangkan secara mikro tentangkredit yangasas dibiayaihukum yangdariada membenarkan dana zakat. modal khirnya kerja secaradi bahagian mikro ketigakredit yangakan dibiayaihukum yangdariada membenarkan dana zakat. modal khirnya kerja secaradi bahagian mikro ketigakredit yangakan dibincangkandibiayai dariada tentang dana model zakat. modal khirnya kerja dalamdi bahagian bentuk mikroketiga kreditakan dibincangkandibiayai dariada tentang dana model zakat. modal khirnya kerja dalamdi bahagian bentuk mikroketiga kreditakan dariadadibincangkan dana tentangzakat untuk model dialikasi modal olkerjaeh institusi dalam bentukzakat di mikro alaysia. kredit dariadadibincangkan dana tentangzakat untuk model dialikasi modal olkerjaeh institusi dalam bentukzakat di mikro alaysia. kredit dariada dana zakat untuk dialikasi oleh institusi zakat di alaysia. dariada dana zakat untuk dialikasi oleh institusi zakat di alaysia. MODAL KERJA UNTUK PERNIAGAAN MODAL KERJA UNTUK PERNIAGAAN MODAL KERJA UNTUK PERNIAGAAN MODALPara ulama‟ KERJA Islam UNTUK telah bersependapat PERNIAGAAN bahawa keutamaan dalam Para ulama‟ Islam telah bersependapat bahawa keutamaan dalam Para ulama‟ Islam telah bersependapat bahawa keutamaan3 dalam agihan zakat ialah untuk membasmi kemiskinan3. ntara bentuk Paraagihan ulama‟ zakat Islamialah telahuntuk bersependapatmembasmi kemiskinan bahawa keutamaan3. ntara bentukdalam agihan zakat ialah untuk membasmi kemiskinan . ntara bentuk agihan zakat ialah melalui engagihan zakat rodukti.3 aedah bagi agihan zakatzakat ialahialah melalui untuk engagihanmembasmi zakatkemiskinan rodukti.. ntara aedah bentuk bagi merealisasikanagihan zakat ialah engagihan melalui zakatengagihan rodukti zakat ini rodukti.antaranya ialahaedah melalui bagi merealisasikanagihan zakat ialah engagihan melalui zakatengagihan rodukti zakat ini rodukti.antaranya ialahaedah melalui bagi enyediaanmerealisasikan modal engagihan usingan zakat dariada rodukti dana inizakat antaranya melalui ialah embiayaan melalui enyediaanmerealisasikan modal engagihan usingan zakat dariada rodukti dana inizakat antaranya melalui ialah embiayaan melalui mikro.enyediaan enerima modal usinganzakat dalam dariada jangka dana masa zakat tertentu,melalui embiayaandiharakan mikro.enyediaan enerima modal usinganzakat dalam dariada jangka dana masa zakat tertentu,melalui embiayaandiharakan mamumikro. enerimamengubah zakatstatus dalamdariada jangka enerima masa zakat tertentu, keada diharakan embayar mamumikro. enerimamengubah zakatstatus dalamdariada jangka enerima masa zakat tertentu, keada diharakan embayar zakat.mamu mengubah status dariada enerima zakat keada embayar zakat.mamu mengubah status dariada enerima zakat keada embayar zakat. zakat. haliah mar al-hattab ernah mengarahkan etugas haliah mar al-hattab ernah mengarahkan etugas haliah mar4 al-hattab ernah mengarahkan etugas zakatnya dengan berkata4: zakatnya haliahdengan berkata mar4 : al-hattab ernah mengarahkan etugas zakatnya dengan berkata : “aila4 naian aa keaa zakatnya dengan berkata“aila: naian aa keaa ran-ran“aila iin naian berila nan aa rlian keaa ran-ran iin berila nan rlian ranaar -ranrka“aila ruaiin naian haiberila ulani nan mberiannaaa rlian keaa aar rka rua hai ulani mberianna aarran - ran rka ruaiin haiberila ulani nan mberianna rlian 3 usuf al- aradawi.aar rka2002. ruaFiq al - aat hai . Beirut. ulani uassasah mberianna al-Risalah. al. 891 3 3 usuf al- aradawi. 2002. Fiq al-aat. Beirut. uassasah al-Risalah. al. 891 4 usuf al- aradawi. 2002. Fiq al - aat . Beirut. uassasah al-Risalah. al. 891 3 Abu bayd al-asim Salam, 2007. Kiab al-Amal, isr ar al-Huda al-Nabawi 4 usuf al- aradawi. 2002. Fiq al-aat. Beirut. uassasah al-Risalah. al. 891 Abu bayd al-asim Salam, 2007. Kiab al-Amal, isr ar al-Huda al-Nabawi lil4 Abu-Nashr bayd a - alal--Tawzi'.asim Salam,al. 502 2007. Kiab al-Amal, isr ar al-Huda al-Nabawi lil-Nashr a-al-Tawzi'. al. 502 lil4 Abu-Nashr bayd a- alal--Tawzi'.asim Salam,al. 502 2007. Kiab al-Amal, isr ar al-Huda al-Nabawi lil-Nashr a-al-Tawzi'. al. 502 134 Jurnal Darul Quran. Bil. 21. 2017 keaa
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