Kaedah taksiran zakat padi dan kesannya terhadap petani: Kajian di Selangor

This article analysed the impact of paddy zakah assessment to paddy farmers in Selangor.It concluded that the assessment which did not deduct paddy production cost and family expenses led to the misjudgement of the poor farmers by making them the zakah payers instead of zakah recipients

The role of microcredit in promoting women’s entrepreneurship skills: Lesson from Amanah Ikhtiar Malaysia (AIM), Malaysia

Some scholars’ view of microcredit’s potential as a tool of women’s involved in a globalized capitalist economy.It seems that this scheme create opportunities for women to get involve in the entrepreneurship programme.In the case of Malaysia, AIM’s microcredits programs is an individual-based lending, and a near exclusive focus on women as loan clients, have become platform to produce entrepreneur as well as antipoverty intervention.Microcredit aims to break the rural poor in developing countries especially groups of unable to access bank loans and poor villagers rely on local moneylenders. For these people, microcredit provides an alternative source of credit and offering collateral-free loans. Previous studies shown that microcredit has changed the socio-economic of the participant in increasing empowerment, entrepreneur skills, transformational thinking and a desire to improve get out from poverty.The finding presented here provided the empirical evidence and augment previous research on the factor role of microcredit in promoting women’s entrepreneurship skills and the effectiveness of AIM in encourage women to venture into the world of entrepreneurship

Is microfinance program in Malaysia really effective in helping the poor?

Microfinance1 program is becoming more significant as the main contributor in creating new job opportunities and generating income for increasing social well-being and economic status of the poor and eradicating poverty. Basically, the microfinance program in Malaysia has been administered by various institutions and non-banking government agencies. The most important institutions for this study are Lembaga Zakat Selangor (LZS), Yayasan Basmi Kemiskinan (YBK) Selangor, Amanah Ikhtiar Malaysia (AIM) and Yayasan Tekun Nasional (TEKUN). The focus of this study is to evaluate the effectiveness of YBK Selangor, AIM, TEKUN and LZS microfinance programs in increasing the participants’ income and eradicating poverty by conducting microenterprise businesses through the adoption of entrepreneurial concept. Based on the univariate and multivariate analysis, the results show that AIM is the most effective microfinance program as it enables the poor to increase their income and improve their social well-being. The study also shows that monitoring, fund size, purpose of loan usage and total income before participating in the microfinance program are the main factors which influence the level of income that poor people can generate. In addition, Islamic microfinance program which is based on Syariah and Islamic Finance concept has a very high potential in helping the poor people to expand and diversify their economic activities, increase their income and improve their social well-being

Analisis profil pesawah padi di Malaysia dan kepatuhan membayar zakat pertanian

Hasil pertanian merupakan salah satu harta yang diwajibkan zakat.Di Malaysia, hanya tanaman padi sahaja yang dikenakan zakat pertanian.Oleh itu, hanya pesawah padi sahaja yang dikenakan zakat pertanian sedangkan mereka merupakan antara golongan termiskin berbanding petani yang mengusahakan tanaman lain.Berdasarkan beberapa kajian lain, didapati kebanyakan pembayar zakat padi berada di bawah garis kemiskinan.Oleh itu, artikel ini bertujuan untuk melihat profil pesawah padi di Malaysia serta mendapatkan pandangan mereka terhadap pengalaman pembayaran zakat pertanian dan seterusnya menganalisis kepatuhan mereka dalam membayar zakat pertanian.Metode soal selidik telah digunakan dengan khidmat enumerator bagi mendapatkan data tersebut di seluruh Semenanjung Malaysia. Sebanyak 488 soal selidik daripada sejumlah 625 soal selidik yang telah diedarkan kepada petani-petani yang mengusahakan sawah padi di Semenanjung Malaysia telah digunakan di dalam analisis kajian ini dengan menggunakan SPSS.Hasil kajian mendapati bahawa kebanyakan pesawah padi membayar zakat dan tidak merasa terbeban dalam membuat pembayaran zakat padi. Walau bagaimanapun seramai 227 responden (48.1 %) menyatakan bahawa pendapatan mereka lebih kurang sama dengan taraf hidup orang miskin

Kepentingan integrasi zakat dan kewangan mikro Islam; tinjauan program pembangunan usahawan asnaf di Shah Alam

Konsep keusahawanan sosial dan kewangan mikro Islam merupakan integrasi yang semakin penting dalam membantu meningkatkan tahap ekonomi asnaf miskin dan seterusnya membasmi kemiskinan secara keseluruhannya. Kepentingan integrasi keusahawanan sosial dan kewangan mikro Islam tentunya terletak kepada usaha untuk menyelesaikan masalah sosio ekonomi secara bersama, dengan memanfaatkan segala sumber yang ada dan mencari dana untuk membantunya. Bermula dari pelancaran Dasar Ekonomi Baru pada tahun 1971,kerajaan Malaysia telah menyedari kepentingan keusahawanan sosial dalam menyokong pembangunan perniagaan kecil (microenterprise) bagi tujuan pembasmian kemiskinan.Program ‘Pembangunan Usahawan Asnaf’ (PUA) yang dikendalikan oleh Lembaga Zakat Selangor (LZS) adalah di antara program yang berkonsepkan keusahawanan sosial dan kewangan mikro Islam yang berjaya diperkenalkan kepada asnaf miskin. Justeru fokus kajian ini adalah untuk menilai keberkesanan program yang dijalankan oleh LZS berasaskan kepada konsep keusahawanan sosial. Keputusan kajian menunjukkan bahawa program ini berjayameningkatkan pendapatan peserta bagi tujuan pembasmian kemiskinan. Keputusan kajianjuga menunjukkan bahawa proses dan prosedur program, kelayakan pegawai, sikap danpengalaman pegawai mempengaruhi pendapatan perniagaan peserta. Kajian ini jugamembuktikan bahawa menerusi perspektif Islam, aspek pembangunan rohani adalah sangatpenting dalam meningkatkan keberkesanan program PUA LZS menerusi bantuan modal perniagaan

The importance of zakat funds for poverty alleviation through 'Asnaf Entrepreneurship Development Programme' in Selangor

Islamic MicrofinanceProgram (IMP) through the utilization of zakat fund has been a significant source of capital for entrepreneurship activities among the poor Muslim's families in Malaysia.Starting from New Economic Plan (NEP) in 1971, the Malaysian Government has realized the importance of IMP in supporting the microenterprises activities for the purpose of poverty alleviation strategy. 'Asnaf Entrepreneurs Development Programme' (AEDP) conducted by Lembaga Zakat Selangor (LZS) is among the pioneers and most established IMP being introduced in Malaysia. However, there may be doubts whether this programme has achieved its objective of increasing the socio-economic level of the poor.Therefore, the focus of this study is to evaluate the implementation effectiveness of AEDP in increasing the participants' income for the purpose of poverty alleviation through entrepreneurial concept by conducting microenterprise. The result shows that the program's processes and procedures, officer's qualifications, attitudes and experiences affected the participants' business revenues

Implementation effectiveness of Islamic microfinance program in Selangor

Islamic Micofinance Program (IMP) through the utilization of zakat fund has been a significant source of capital for entrepreneurship activities among the poor Muslim's family in Malaysia. Eversince New Economic Plan (NEP) was introduced in 1971, the Malaysian government has realized the important of IMP in supporting the micro-enterprises activities for the purpose of poverty eradication strategy. 'Asnaf Entrepreneurship Development Program' conducted by Lembaga Zakat Selangor (LZS) is among the pioneers and the most established IMP's being introduced in Malaysia. However there may be doubts as to whether this program has achieve its objectives of increasing the socio-economic level of the poor. Therefore the focus of this study is to evaluate the implementation effectiveness of 'asnaf entrepreneur development' in increasing the participants income for the purpose of poverty eradication, through the entrepreneurial concept by conducting microenterprise. The results show that the program's process and procedures, officer's qualifications, attitudes and experiences affected the participants' business revenue

The importance of monitoring and entrepreneurship concept as future direction of microfinance in Malaysia: case study in the state of Selangor

The Economic Crisis of 1997-1998 that invaded the Asian region prompted the Malaysian Government to realize that the dependence on the labor-intensive and capital–intensive modes of production was insufficient to sustain the future economic growth. The future competitiveness of the Malaysian economy depends heavily on the knowledge-based characteristics where entrepreneurial aspects are considered more important for future economic growth and the alleviation of poverty. In support for the entrepreneurial activities among the poor, microfinance program is deemed important for the poor to start their business activities in the form of microenterprises. The integration of entrepreneurial concept and microenterprise into microfinance program also contributes towards increasing the effectiveness of the program. Basically, the microfinance program in Malaysia has been administered by various institutions and non-banking government agencies. The most important institutions for this study are Lembaga Zakat Selangor (LZS), Yayasan Basmi Kemiskinan (YBK) Selangor, Amanah Ikhtiar Malaysia (AIM) and Yayasan Tekun Nasional (TEKUN). However, it is doubtful whether this program has achieved its objective in enhancing the socio-economic level of the poor and contributing to the development of entrepreneurial activities. In addition, there have been very few studies to evaluate the importance of monitoring in enhancing the effectiveness of the microfinance program. Therefore, the focus of this study is to evaluate the effectiveness of YBK Selangor, AIM, TEKUN and LZS microfinance programs in increasing the participants’ business income by conducting microenterprise businesses through the adoption of entrepreneurial concept. Based on the univariate and multivariate analyses, the results show that AIM is the most effective microfinance program as it enables the poor to increase their business income and contributes to the development of entrepreneurial activities. Results of the study also show that monitoring, fund size, purpose of loan usage and total income before participating in the microfinance program, are the main factors which influence the level of income that poor people can generate. In addition, Islamic microfinance program which is based on Syariah and Islamic Finance concept has a very high potential in helping the poor to expand and diversify their economic activities, and increase their contribution towards development of entrepreneurial activities

Enhancing the effectiveness of the Islamic microfinance programme: experience of Lembaga Zakat Selangor

Many experiences around the globe showed that Islamic Microfinance Programs (IMP) based on Shariah and Islamic finance concept, have become more significant in creating new job opportunities and generating income for the purpose of increasing social and economic status of the poor and alleviating poverty. The integration of entrepreneurial concept, training and microenterprise into IMP also contributes in increasing the effectiveness of the programme. ‘Asnaf Entrepreneurs Development Programme’ (AEDP) conducted by Lembaga Zakat Selangor (LZS) is among the pioneers and most established IMP in Malaysia. The implementation of IMP, which was preceded by selection process of asnaf participant and also accompanied by training and good monitoring, is effective in developing asnaf entrepreneur and improving poor asnaf income. Asnaf entrepreneurs’ development requires not only provision of financing in an interest free-based system but it also needs the provision of other services. The purpose of this paper is to suggest a way to improve the effectiveness of IMP in Selangor. The approach used to measure and evaluate the effectiveness of the IMP in Selangor is based on changes in revenue levels shown by the participants of the program among the poor asnaf and then develop a concept based on the literature review, research findings and comparison with the most successful microfinance programs in Malaysia, namely Amanah Ikhtiar Malaysia (AIM). This paper shows how in the Islamic perspective, spiritual development is necessary in improving the effectiveness of IMP in Selangor