Dawru Al-Waqf al-Mu’aqqat fî al-Tamwîl al-Ijtimâ’i fî al-Mashrîfiyah al-Islâmiyah Bî Malayziyâ

Penulis

  • Bouhedda Ghalia International Islamic University Malaysia
  • Luqman Zakariyah University of Abuja Nigeria
  • Yahya Abdullah Al Najjar International Islamic University Malaysia

DOI:

https://doi.org/10.19105/al-lhkam.v17i2.6768

Kata Kunci:

Temporary Endowment (Waqf Muaqqat); Islamic Social Banking Finance; Maqasid Sharīꜥah; Maybank Islamic Malaysia

Abstrak

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.  

تهد٠هذه الورقة البحثة إلى دراسة "الوق٠المؤقت" ودوره ÙÙŠ تÙعيل التمويل الاجتماعي ÙÙŠ المصرÙØ© الإسلامية بمليزيا كالدراسة الاستشراقية ÙÙŠ ضوء مقاصد الشريعة الإسلامية. ولقد استخدمت هذه الورقة البحثية المنهج الكيÙÙŠ ÙÙŠ مباحثها المتعلقة بالـتأصيل والضبط لمÙهوم الوق٠المؤقت وما يتعلق به من القضايا ÙÙŠ أبعادها الشرعية والمصرÙية ÙÙŠ ضوء مقاصد الشريعة؛ واعتمدت الدراسة ÙÙŠ الجانب الميداني على اختيار "ماي بنك الإسلامي "كعينة تطبيقية لدراسة الموضوع ÙÙŠ جوانبه المتعددة. وخلصت الدراسة إلى جملة من النتائج والتوصيات، من أهمّها:1) Ùإن الوق٠المؤقت ÙÙŠ التجربة الماليزية أنه لايزال الاهتمام به ÙÙŠ مرحلة التشريعات النظرية ÙÙŠ التقنين له ويحتاج إلى إيجاد آليات جديدة لتÙعيله ÙÙŠ واقع الممارسة.2) "الوق٠المؤقت" النقدي آلية استشراÙية يقترحها البحث ÙÙŠ سدّ عجز التمويل الاجتماعي ÙÙŠ منتجات الوق٠المصرÙÙŠ لمصرÙ" ماي بنك الإسلامي" كعينة مختارة ÙÙŠ هذه الدراسة والتي تسعى إلى تحقيق خطة تنموية اجتماعية إلى تÙعيله وتوسيعه. 3) النظر المقاصدي ÙÙŠ التمويل الاجتماعي المصرÙÙŠ يدعم اقتراح آلية الوق٠المؤقت النقدي كوسيلة Ùعالة نظرا لما يحققه من مقاصد تنموية اجتماعية؛ ومنها التكاÙÙ„ الاجتماعي، النماء المالي، والعدالة الاجتماعية من خلال وساطة المصار٠الإسلامية للمصار٠الإسلامية ÙƒÙاءة ÙÙŠ أن يكون لها دور مهم ÙÙŠ الوساطة بين مصادر التمويل الاجتماعي التطوعي والطبقات الاجتماعية المحرومة وما يؤهلها لذلك كونها مؤسسات لها إمكانيات ÙÙŠ نظم الإدارة والحوكمة.

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2022-12-31

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Vol 17 No 2 (2022)

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