PERANAN WAKAF TUNAI UNTUK PENDIDIKAN: KAJIAN KES DI BANK MUAMALAT MALAYSIA BERHAD

The Role of Cash Waqf for Education: The Case Study of Bank Muamalat Malaysia Berhad

Authors

  • Mohd Izuwan Mahyudin Universiti Malaya, Malaysia
  • Asmak Ab Rahman Universiti Malaya, Malaysia

Keywords:

educational waqf, Bank Muamalat Malaysia Berhad, cash waqf

Abstract

It is incumbent upon the government to undertake the provision of educational amenities, a duty that underscores its responsibilities. However, Malaysia's educational framework faces an escalating challenge, primarily stemming from the mounting costs associated with facilitating educational infrastructure. To ensure the uninterrupted delivery of quality education, the participation of waqf-developing institutions becomes pivotal in aiding the government, including private entities such as financial institutions. This study extensively examines the deployment of cash waqf funds, particularly those executed by banking institutions, using Bank Muamalat Malaysia Berhad (BMMB) as a reference. This bank has undertaken pioneering waqf initiatives in collaboration with the State Islamic Religious Council to advance education. This study employs a qualitative approach, entailing data collection from diverse pertinent documents, coupled with interviews involving three key personnel from Bank Muamalat Malaysia Berhad (BMMB). The study's findings underscore the Bank's tangible potential to significantly contribute to the advancement of waqf in Malaysia by means of cash waqf initiatives. Bank Muamalat Malaysia Berhad (BMMB) has notably undertaken multiple contributions within the sphere of educational waqf. These contributions encompass diverse initiatives, ranging from the establishment of educational centres to the provisioning of essential educational resources and facilities, even extending to the provision of waqf-based vehicles. The study reveals a considerable potential for the enhancement of educational waqf by engaging corporate entities, notably banking institutions.

Downloads

Download data is not yet available.

References

Abd. Shakor Borham & Siti Mashitoh Mahamood, ‘Wakaf Korporat Johor Corporation dan Sumbangannya Dalam Memenuhi Tanggungjawab Sosial Islam di Malaysia: Satu tinjauan,’ Journal of Techno Social, vol. 5/2 (2013): 61-77.

Abdul Halim Sunny, ‘Dana Wakaf untuk Pendidikan: Satu Kajian Awal,’ Jurnal Pengurusan JAWHAR, vol. 1/2 (2002): 33-34.

Ahmad Zaki Abd. Latif, Nor Zaidi Mohd Daud & Che Zuina Ismail, ‘Pengurusan Harta Wakaf dan Potensinya ke Arah Kemajuan Pendidikan Umat Islam di Malaysia,’ Jurnal Pengurusan JAWHAR, vol. 2/2 (2008): 25-61.

AIBIM, ‘MyWakaf,’ AIBIM, https://www.mywakaf.com.my/ms/our-projects/?project=39, diakes 15 November 2022.

Alli Ahmad Khan, ‘Beneficial Interest of Waqf in the Minority Community: Experience in the India Population,’ (Kertas kerja Seminar Waqf Antarabangsa 2014, Hotel Istana, Kuala Lumpur, 7-10 Disember 2014).

Amir Mu'allim, ‘Pengaruh Pengelolaan Wakaf di Mesir Terhadap Pengelolaan Harta Wakaf Pendidikan di Indonesia,’ Akademika: Jurnal Pemikiran Islam, Vol. 20/1 (2015): 103-122.

Asharaf Mohd Ramli & Abdullaah Jalil, ‘Model Perbankan Wakaf Korporat: Analisa Wakaf Selangor Muamalat,’ Jurnal Pengurusan, vol. 42 (2014): 159-167.

Asiah Kamal & Azizi Che Seman, ‘Pembiayaan Wakaf di Majlis Agama Islam Negeri Terpilih: Potensi Pelaksanaan di Peringkat Institusi Pengajian Tinggi,’ TAFHIM: IKIM Journal of Islam and the Contemporary World, vol. 10 (2017): 151-185

Bank Muamalat, ‘Kenyataan Akhbar,’ Bank Muamalat Malaysia Berhad, 2016, https://www.muamalat.com.my/wp-content/uploads/2019/02/160508-PR-WSM-SMUA-Darul-Ulum-8-May-2016.pdf, diakses 15 November 2022.

Bank Muamalat, ‘Wakaf MAIK Muamalat Merasmikan Pusat Latihan Mualaf,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wakafmuamalat/Berita-Wakaf/2020/wakaf-maik-muamalat-merasmikan-pusat-latihan-mualaf.html, diakes 15 November 2022.

Bank Muamalat, ‘Wakaf Selangor Muamalat Menyumbang Kos Membesarkan Surau Wanita dan Kantin Kepada Sekolah Menengah Tahfiz Harapan,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/corporate-overview/corporate_respons/wakaf-selangor-muamalat-menyumbang-kos-membesarkan-surau-wanita-dan-kantin-kepada-sekolah-menengah-tahfiz-harapan/, diakes 15 November 2022.

Bank Muamalat, ‘Wakaf Selangor Muamalat Menyumbang Peralatan Sekolah kepada Sekolah Al-Fatih Putra Heights,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wakafmuamalat/Berita-Wakaf/2016/Wakaf-Selangor-Muamalat-menyumbang-Sekolah-AL-Fatih-Putra-Heights.html, diakes 15 November 2022.

Bank Muamalat, ‘Majlis Penyerahan Wakaf Selangor Muamalat Ranau,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wakafmuamalat/BeritaWakaf/2017/Ziarah_Mahabbah_WSM_Ranau.html, diakses 15 November 2022.

Bank Muamalat, ‘Kenyataan Akhbar,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wp-content/uploads/2019/02/150603-PR-WSM-SERI-AL-UMMAH-3-JUN-2015.pdf, diakses 15 November 2022.

Bank Muamalat, ‘Wakaf MAIK Muamalat Menyumbang Van Kepada 3 Buah Institusi Pendidikan di Kelantan,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wakafmuamalat/Berita-Wakaf/2021/wakaf-maik-muamalat-menyumbang-van-kepada-tiga-buah-institusi-pendidikan-pendidikan-di-kelantan.html, diakses 15 November 2022.

Bank Muamalat, ‘Kenyataan Akhbar,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wp-content/uploads/2019/02/140528-PR-WSM-SERI-AL-HUDA-ILIQ-PITAS.pdf, diakses 15 November 2022.

Bank Muamalat, ‘Wakaf Selangor Muamalat Menyumbang Van Sekolah Kepada Sekolah Menengah Sains Tahfiz Alor Setar,’ Bank Muamalat Malaysia Berhad, https://www.muamalat.com.my/wp-content/uploads/2019/02/151123-PR-Wakaf-Selangor-Muamalat-Menyumbang-Van-Sekolah-kpd-SEMESTI-Alor-Setar.pdf, diakses 15 November 2022.

Bank Muamalat, ’Pengenalan’, Wakaf Muamalat, https://www.muamalat.com.my/wakafmuamalat/Pengenalan.html, diakses 10 Jun 2022.

Bank Negara Malaysia, Corporate Governance (Kuala Lumpur: Bank Negara Malaysia, 2016).

Bank Negara Malaysia, Shariah Governance (Kuala Lumpur: Bank Negara Malaysia, 2019).

Bank Negara Malaysia, ‘Ucapan Gabenor pada Seminar Kewangan Islam Anjuran Bersama Lembaga Perkhidmatan Kewangan Islam dan Pihak Berkuasa Monetari Hong Kong “Ke Arah Meraih Potensi Pertumbuhan Global Kewangan Islam”,’ Bank Negara Malaysia, http://www.bnm.gov.my/?ch=bm_speech&pg=bm_speech_all&ac=299&lang=bm, diakses 15 Februari 2022.

Berita Harian, ‘Inisiatif MyWakaf,’ Berita Harian, https://www.bharian.com.my/bisnes/korporat/2017/09/322944/6-bank-islam-bangunkan-dana-wakaf, diakses 8 Jun 2020.

Berita Harian, ‘Empat Saluran Pembayaran Tanpa Tunai Popular di Malaysia,’ Berita Harian, https://www.bharian.com.my/berita/nasional/2021/02/786964/empat-saluran-pembayaran-tanpa-tunai-popular-di-malaysia, diakses 20 Februari 2021

BERNAMA, ‘Belanjawan 2023: KPM Menggalas Tanggungjawab Besar Kepada Pembangunan Pendidikan Negara,’ BERNAMA, https://www.bernama.com/bm/ekonomi/news_bajet.php?id=2167972, diakses 15 Oktober 2023.

Chua Yan Piaw, Buku 2 Asas Statistik Penyelidikan (Kuala Lumpur: Mc Graw Hill Education, 2006).

Husna Mohd Sa’adan, Siti Mashitoh Mahamood, Zaharah Hussin & Norwati Mansor, ‘Polisi dan Perundangan Penubuhan Institusi Pendidikan Tinggi Berasaskan Wakaf: Kajian di Malaysia dan Indonesia,’ Kanun: Jurnal Undang-undang Malaysia, vol. 31/1 (2019): 157-183.

John. W. Creswell, Research Design: Qualitative, Quantitative and Mixed Methods Approaches, 3rd ed. (Thousand Oaks, CA: SAGE Publication, 2009).

Kementerian Pendidikan Malaysia, ‘Belanjawan 2023 Kementerian Pendidikan Malaysia,’ Kementerian Pendidikan Malaysia, https://www.moe.gov.my/muat-turun/kenyataan-media/km2023/5642-km-kpm-belanjawan-2023-kementerian-pendidikan-malaysia/file, diakses 15 Oktober 2023.

Mas Nooraini Hj Mohiddin, ‘Kredibiliti Wakaf Dalam Menangani Isu Pembiayaan Pengajian Tinggi: Wakaf Pendidikan Malaysia Sebagai Model,’ Journal of Islamic, Social, Economics and Development (JISED), vol. 6/41 (2021): 76-96.

Mohd Afandi Mat Rani, Baharuddin Sayin, Ahmad Zaki Abdul Latiff, Amal Hayati Ishak & Razali Othman, Transformasi Wakaf di Malaysia: Isu dan Cabaran (Shah Alam: Institut Kajian Zakat Malaysia, Universiti Teknologi Mara, 2014).

Mohd Faizal Noor Ariffin, Mohammad Zaini Yahaya, Abdul Basir Mohamad & Amir Fazlim Jusoh@Yusoff, ‘Wakaf Sebagai Dana Alternatif untuk Pembiayaan Pendidikan Peringkat Sekolah di Malaysia: Satu Tinjauan,’ Journal of Contemporary Islamic Law, Vol. 6/2 (2021): 105-113

Mohd Hafiz Hj Fauzi (Ketua Jabatan Dakwah, Wakaf & Zakat, Bank Muamalat Malaysia Berhad), dalam temu bual dengan penulis, 20 Oktober 2020.

Mohd Redza Shah Abdul Wahid (Ketua Pegawai Eksekutif, Bank Muamalat Malaysia Berhad dan Presiden, Persatuan Institusi Perbankan dan Kewangan Islam Malaysia (AIBIM)), dalam temu bual dengan penulis, 23 November 2020.

Mohd Zamerey Abdul Razak & Rahimi Md Saad, ‘Peranan Institusi Kewangan Islam Dalam Pembangunan Pendidikan di Malaysia: Satu Sorotan Ringkas,’ (Kertas Kerja Wacana Pendidikan Islam Peringkat Kebangsaan 2014, Kota Kinabalu, Sabah, 15-16 Disember 2014)

Najibah Mustapa & Zamro Muda, ‘Pengurusan Wakaf Pendidikan di Institusi Pengajian Tinggi Malaysia: Satu Sorotan Literatur,’ International Journal of Islamic and Civilization Studies, vol. 1/1 (2014): 45-47.

Norul Azila Ismail & Hairunnizam Wahid, ‘Penerimaan Masyarakat Islam terhadap Wakaf Tunai Pendidikan: Kajian dalam Kalangan Kakitangan Majlis Amanah Rakyat (MARA),’ Journal of Management & Muamalah, vol. 11/2 (2021): 1-14.

Nurwajihah Ajlaa Ali & Ruzian Markom, ‘The Challenges in Implementing Cash Waqf in Malaysia,’ Journal of Contempory Islamic Studies, vol. 6/2 (2020): 1-16.

Rais Yasin, Sayuti Ab Ghani, Nur Amni Syafiqah Saufe & Redwan Yasin, ‘Relevansi Pelaksanaan Wakaf Pendidikan dan Keberkesanan Pembelajaran di Institusi Pengajian Tinggi Awam (IPTA),’ AZKA International Journal of Zakat & Social Finance (AZJAF), vol. 4/1 (2023): 175-187.

Raja Nor Ashikin Raja Ramli & Nor ‘Adha Abd Hamid, ‘Kelestarian Wakaf dalam Membangunkan Institusi Pendidikan: Kajian Awal,’ (Proceeding of International Conference on Postgraduate Research, 1-2 Disember 2014, Kuala Lumpur).

Rosnani Hashim, ‘Ekonomi dan Pendidikan: Peranan Institusi Wakaf,’ Jurnal Pendidikan Islam, vol. 3/1 (1990): 40-50.

Syahnaz Sulaiman, Aznan Hasan & Ahmad Azam Sulaiman@Mohamad, ‘Pembangunan dan Pelaburan Lestari Harta Wakaf dari Perspektif Islam,’ Jurnal Kanun, vol. 28/1 (2016): 82.

Syed Mohd Razali Wafa, ‘Pembangunan Wakaf Pendidikan di Malaysia,’ (Kertas kerja Seventh International Conference –The Epistemology: Zakat and Waqf Ekonomi, Bangi, 2010).

Wan Azmi bin Wan Ahmad, Muhammad Muzakkir Othman@Seman, Mohd Hafiz Abdul Wahab & Norhasimah Shaharuddin, ‘Pembangunan Wakaf Pendidikan di IPT Malaysia: Satu Alternatif untuk Mengurangkan Kos Pengajian,’ (Kertas kerja Muktamar Waqf Iqlimi, Universiti Sains Islam Malaysia (USIM), 29 April 2014).

Wan Nuraihan Hj Ab Shatar (Pegawai Wakaf & Zakat, Bank Muamalat Malaysia Berhad), dalam temu bual dengan penulis, 23 November 2020.

Published

2024-01-30

How to Cite

Mahyudin, M. I., & Ab Rahman, A. . (2024). PERANAN WAKAF TUNAI UNTUK PENDIDIKAN: KAJIAN KES DI BANK MUAMALAT MALAYSIA BERHAD : The Role of Cash Waqf for Education: The Case Study of Bank Muamalat Malaysia Berhad. Jurnal Syariah, 31(2), 232–256. Retrieved from http://ajba.um.edu.my/index.php/JS/article/view/46222

Most read articles by the same author(s)

1 2 3 4 > >>