The Pengurusan Kewangan Islam: Ke Arah Kesejahteraan Kewangan Institusi Keluarga di Malaysia Semasa Pandemik Covid-19 [Islamic Financial Management: Towards the Financial Wellness of Family Institutions in Malaysia during the Covid-19]
DOI:
https://doi.org/10.37231/jimk.2022.23.1.642Abstract
Pengurusan kewangan Islam merupakan satu aspek penting dalam institusi keluarga muslim. Pengurusannya yang patuh patuh syariah, tersusun dan sistematik harus dirancang dan dilakukan bagi mencapai matlamat kewangan lestari dalam institusi keluarga muslim. Kepentingan ini makin mendesak dikala seluruh manusia kini terpaksa berdepan dengan krisis kesihatan yang parah akibat pandemik Covid-19 yang melanda. Dilaporkan 60% rakyat Malaysia hanya mempunyai jumlah simpanan yang boleh bertahan selama 6 bulan sahaja jika berlaku kecemasan atau kehilangan pendapatan. Dan hanya 10.8% sahaja dalam kalangan masyarakat yang mampu bertahan jika berlaku situasi kecemasan terhadap ketua keluarga seperti kehilangan pekerjaan, hilang upaya atau kematian. Sedangkan pandemik Covid-19 yang sedang melanda dalam negara menuntut kepada persediaan kewangan keluarga yang sangat kukuh untuk berhadapan dengan suasana yang tidak dijangka semasa tempoh Perintah Kawalan Pergerakan (PKP) dan tempoh darurat (lockdown). Justeru itu, artikel ini bertujuan untuk membincangkan beberapa isu yang timbul kesan daripada salahurus kewangan dalam institusi keluarga muslim serta cadangan yang relevan untuk berhadapan dengan pandemik Covid-19 menurut perspektif pengurusan kewangan Islam. Metode kajian ini adalah berbentuk kajian kualitatif deskriptif, iaitu Kajian kepustakaan menerusi rujukan buku-buku, artikel jurnal, kertas persidangan dan kajian ilmiah. Rujukan ini merupakan data primer kepada kajian ini. Selain itu, maklumat daripada hasil temubual pakar yang sedia ada melalui program-program ilmiah juga dijadikan rujukan dalam data kajian ini. Kajian mendapati hanya Institusi keluarga yang mempunyai kekuatan pendapatan dan minimum perbelanjaan yang disokong oleh tadbirurus kewangan yang sistematik mengikut sistem pengurusan kewangan Islam mampu bertahan dan boleh berhadapan dengan situasi pandemik Covid-19.
Islamic financial management is an important aspect of Muslim family institution. Its Shariah -compliant, organized and systematic management should be planned and practiced to achieve sustainable financial goals in Muslim family institutions. This interest is increasingly urgent when all people are now having to deal with a severe health crisis due to the covid-19 pandemic. It is reported that 60% of Malaysians have only 6 months of savings in the event of an emergency or loss of income. And only 10.8% in the community have an ability to survive in the event of an emergency situation for family heads such as loss of employment, disability or death. While the Covid-19 pandemic in the country is demanding a strong family financial preparation to deal with an unexpected atmosphere during the Movement Control Order (MCO) and the Lockdown period. Therefore, this article aims to discuss some of the issues that arise from financial misunderstandings in Muslim family institutions as well as relevant proposals to face Covid-19 pandemics according to Islamic financial management perspectives. The method of this study is in the form of descriptive qualitative studies, namely library studies through book reference, journal articles, conference papers and scientific studies. This reference is a primary data for this study. In addition, information from existing expert interviews through scientific programs is also referred to as the data of this study. Studies have found that only family institutions with income strength and minimum expenditure supported by systematic financial management according to the Islamic financial management system have survived and can face the Covid-19 pandemic situation.
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