Decision:

The 99th Discourse of the Fatwa Committee of the National Fatwa Council for Islamic Religious Affairs Malaysia convened on 4-6 May 2012 had discussed the Ruling on the Channelling of Penalty Funds of Islamic Financial Institutions to Baitulmal (Islamic Treasury). The following decisions were made:

After listening to the briefings, explanations and examining the evidence, contentions and opinions that were forwarded, the Discourse emphasised that the permissibility of imposing penalty on defaulting debtors is based on the hadith of Rasulullah S.A.W. that describes the late payment of debt by one who has the means to pay as an oppression and can harm the Islamic financial institution.

The Discourse is also of the view the penalty imposed by Islamic financial institutions must be channelled to institutions that are specifically relevant to the Muslim community so that it will not be abused.

In relation thereto, in line with the position and function of Baitulmal as the highest institution that manages the monies and assets of the Muslim community, the Discourse has agreed to decide that the penalty funds of Islamic financial institutions must be channelled to Baitulmal to ensure that the application of such funds corresponds to the public interest (maslahah amah) of the Muslim community.

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Hukum Penyaluran Hasil Gharamah Institusi Kewangan Islam Ke Baitulmal

Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-99 yang bersidang pada 4-6 Mei 2012 telah membincangkan mengenai Hukum Penyaluran Hasil Gharamah Institusi Kewangan Islam Ke Baitulmal. Muzakarah telah membuat keputusan seperti berikut:

Setelah mendengar taklimat dan penjelasan serta meneliti keterangan, hujah-hujah dan pandangan yang dikemukakan, Muzakarah menegaskan bahawa keharusan mengenakan gharamah ke atas penerima biaya yang mungkir adalah berasaskan hadis Rasulullah SAW yang menyifatkan kelewatan pembayaran hutang oleh orang yang berkemampuan sebagai satu kezaliman dan boleh memudaratkan institusi kewangan Islam.

Muzakarah juga berpandangan bahawa gharamah yang dihasilkan dalam institusi kewangan Islam perlu disalurkan kepada institusi yang berkait secara khusus dengan umat Islam supaya ianya tidak disalahgunakan.

Sehubungan itu, selaras dengan kedudukan dan fungsi Baitulmal sebagai institusi tertinggi dalam menguruskan wang dan harta umat Islam, Muzakarah bersetuju memutuskan bahawa hasil gharamah Institusi Kewangan Islam hendaklah disalurkan ke Baitulmal bagi memastikan penggunaan harta tersebut menepatimaslahah ammah umat Islam.

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