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Allocation of Educational Resources for the Underprivileged and Financially Disadvantaged Students through the Zakat Fund


Author: Nurul Ilyana Muhd Adnan*, Hafizuddin Muhd Adnan, Nurul Izwah Muhd Adnan
Reseach Centre for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia (UKM), Malaysia.
Published Date: 2024-05-06
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Keywords: educational assistance, asnaf group, educational finance, Zakat Fund, qard al-hasan.
Abstract:
PTPTN offers educational support in the form of ujrah or fee-based educational funding. A flat rate fee of 1% per annually was paid. The Asnaf face a significant challenge in financing their children's education at the Institution of Higher Learning. Furthermore, the offspring of asnaf belong to the impoverished and destitute demographic. Underprivileged students at the Institution of Higher Learning are eligible to receive educational aid from the zakat fund. Nevertheless, the provided finances remained inadequate, resulting in just a limited number of students being able to get it. Therefore, it is necessary to establish a more durable and tangible framework to provide financial support for the education of the Asnaf's children. One of the possible methods suggested is obtaining loans from zakat monies. Is it permissible to provide educational support in the form of a loan using zakat funds? What are the fundamental principles of Shariah governing educational assistance in the form of loans from the zakat fund? What are the suitable techniques for providing education loans to the Asnaf (indigent and destitute) in Malaysia using the zakat fund? It is stated that education loans funded by Qard al-hasan from zakat funds are permissible and can augment the revolving funds for educational finance derived from zakat. The data was evaluated using a qualitative exploratory research technique and collected through documentation methods. The discovery demonstrates that the alternative use of educational zakat aid has the capacity to emancipate the asnaf (impoverished individuals) from the cycle of destitution, enabling them to become contributors of zakat in the future.