Pandangan Ahlul Ilmi Kontemporer Tentang Al-Qarḍ Al-Ḥasan Dari Dana Zakat
DOI:
https://doi.org/10.68107/tazakka.v1i2.109Keywords:
Al-Qarḍ al-Ḥasan; Contemporary Zakat; Productive Zakat; Zakat Utilization Model.Abstract
One of the innovations in zakat distribution models implemented by zakat institutions or agencies in Indonesia is the utilization of the al-qarḍ al-ḥasan (benevolent loan) contract. This paper presents the perspectives of contemporary Islamic scholars regarding the use of zakat funds for al-qarḍ al-ḥasan. The method employed in this study is a literature review. The findings of this research indicate that all jurists (fuqaha) agree that muzaki (zakat payers) are not allowed to distribute their zakat using al-qarḍ al-ḥasan, because fundamentally, zakat is no longer the property of the muzaki. However, when zakat funds collected by zakat agencies or institutions are distributed through the al-qarḍ al-ḥasan contract, views differ among contemporary scholars. Islam Web, Dār al-Iftā al-Miṣriyyah, and the Jordan Fatwa Department are fatwa institutions that argue zakat funds may not be distributed in the form of al-qarḍ al-ḥasan; this is also the opinion held by Ḥusām al-Dīn and Muḥammad ‘Alī Farkūs. Their reasoning is that zakat must be distributed immediately and through tamlīk (transfer of ownership). On the other hand, ‘Abd al-Wahhāb Khallāf, ‘Abdurraḥmān Ḥasan, Muḥammad Abū Zahrah, Khālid al-'Ānī, Abū Fāris, Al-Qarḍāwī, and Muḥammad al-Ṣalābī argue that zakat funds are permissible to be distributed as al-qarḍ al-ḥasan. Furthermore, the 7th Indonesian National Ulama Commission Fatwa Assembly in 2021 regarding al-qarḍ al-ḥasan from zakat funds stated that distributing zakat funds in the form of al-qarḍ al-ḥasan is permissible based on broader public interest (maslahah), provided that it meets the specified terms and condition
References
Abū Fāris, M. ‘Abd al-Qādir. (1983). Infāq al-Zakāh fī al-Maṣāliḥ al-‘Āmmāh. Turki: Dār al-Furqān.
Abū Zahrah, M. (1985). Taḥrīm al-Ribā Tanẓīm Iqtiṣādī. Jedah: al-Dār al-Su‘ūdiyyah.
al-‘Ānī, K. ‘Abd al-Razzāq. (1999). Maṣārif al-Zakāh wa Tamlīkuhā fī Ḍaw’i al-Kitāb wa al-Sunnah. Yordania: Dār Usāmah.
al-Fayyūmī, A. bin M. (2006). Al-Miṣbāḥ al-Munīr. Kairo: Dār al-Ma’ārif.
al-Jazīrī, ‘Abdurraḥmān. (2014). Kitāb al-Fiqh ‘alā al-Madhāhib al-‘Arba‘ah. Beirut: Dār al-Kutub al-‘Ilmiyyah.
al-Qal‘ahjī, M. R., Qutaybī, Ḥāmid Ṣādiq, & Sānu, Q. M. (1996). Mu’jam Lughah al-Fuqahā. Beirut: Dār al-Nafāis.
al-Ṣalābī, ’Alī Mūḥammad Muḥammad. (2015). Al-‘Adālah fī al-Islām. Yordania: Markaz al-Kitāb al-Akādīmī.
al-Ṣāwī, ‘Abd al-Ḥāfiẓ. (2012). Tawẓīf Amwāl al-Zakāh Fī al-‘Ālam al-Islāmī. Mesir: Maktabah al-Shurūq al-Dawliyyah.
al-Sharbīnī, S. al-D. M. bin A. al-Khāṭīb. (2018). Mughnī al-Muḥtāj Ilā Ma’rifat Ma‘ānī Alfāẓ al-Minhāj. Beirut: Dār al-Kutub al-‘Imiyyah.
al-Sha’rāwī, M. M. (1991). Khawāṭirī Ḥawla al-Qur‘ān al-Karīm. Kairo: Dār Akhbār al-Yawm.
Dāirat al-Iftā Yordania, D. al-I. Y. (2013). Lā Yajūzu Daf’u amwāl al-Zakāh ‘alā wajh al-Qarḍ. Retrieved October 5, 2024, from https://aliftaa.jo/research-fatwas/2809
Damanhur, D., & Utami, W. (2020). Analisis Dampak Pembiayaan Qardun Hasan Terhadap Kesejahteraan Pedagang Di Aceh. E-Mabis: Jurnal Ekonomi Manajemen Dan Bisnis, 21(2), 155–163. https://doi.org/10.29103/e-mabis.v21i2.606
Dār al-Iftā al-Miṣriyyah, D. al-Iftā al-Miṣriyyah. (1998). Ḥukm Istikhdām al-Zakāh Fī al-Qurūḍ al-Ḥasanah. Retrieved December 15, 2021, from https://www.dar-alifta.org/ar/fatwa/details/11521
Habib, S. F. (2026). Asāsiyāt al-Tamwīl wa al-Maṣrifiyyah al-Islāmiyyah (A. ‘Abduh al-Ṣabbāgh, Trans.). Kairo: Dār Ḥamīthara.
Ḥammād, N. (2008). Mu’jam al-Muṣṭalaḥāt al-Māliyyah Wa al-Iqtiṣādiyyah Fī Lughah al-Fuqahā. Damaskus: Dār al-Qalam.
Hamzah, A. (2020). Metode Penelitian Kepustakaan. Malang: Literasi Nusantara.
Hidajat, R. (2017). Penerapan Manajemen Zakat Produktif Dalam Meningkatkan Ekonomi Umat Di Pkpu (Pos Keadilan Peduli Umat) Kota Makassar. Millah: Journal of Religious Studies, 63–84. https://doi.org/10.20885/millah.vol17.iss1.art4
Humas BAZNAS Kota Malang, H. B. K. M. (2025, June 12). BAZNAS Kota Malang Launching Program Zakat Qardhul Hasan (Z-Qardhul Hasan) dan Z-Coffe. Retrieved August 6, 2026, from BAZNAS Indonesia website: https://kotamalang.baznas.go.id/berita/news-show/baznas-kota-malang-launching-program-zakat-qardhul-hasan-z-qardhul-hasan-dan-z-coffe/21488
Humas, H. (2026, May 20). Berdayakan Ekonomi Umat, BAZNAS Luncurkan Program Pendampingan Microfinance di Masjid Al-Falah Pinang Kota Tangerang. Retrieved August 6, 2026, from BAZNAS Indonesia website: https://kotatangerang.baznas.go.id/berita/news-show/berdayakan-ekonomi-umat-baznas-luncurkan-program-pendampingan-microfinance-di-masjid-al-falah-pinang-kota-tangerang/47053
Ibn Affānah, Ḥusām al-Dīn bin Muḥammad. (2007). Yas’alūnaka ‘An al-Zakāh. Palestina: Laznah Zakāt al-Quds.
Ilham, A. I., & Falah, A. H. F. H. (2025). Analisis Hukum Fatwa DSN-MUI Tentang Aqad Qard Al-Hasan Pada Pembiayaan Usaha Mikro Kecil Menengah UMKM di Kecamatan Cibiru Kota Bandung: Studi Kasus pada Baznas Microfinance Desa (BMD) Cibiru. Falah: Jurnal Hukum Ekonomi Syariah, 9(2), 30–39. https://doi.org/10.55510/fjhes.v9i2.796
Irawan Febianto & Arimbi Mardilla Ashany. (2012). The Impact of Qardhul Hasan Financing Using Zakah Funds on Economic Empowerment (Case Study of Dompet Dhuafa, West Java, Indonesia). 1(1), 15–20.
Islam Online, I. O. (n.d.). Al-Qarḍ al-Ḥasan Min Amwāl al-Zakāh. Retrieved from https://fiqh.islamonline.net//
Islam Web, I. W. (2022). Ḥukm ‘Iṭā’a al-Qurūḍ al-Ḥasanah min al-Zakāh. Retrieved from https://www.islamweb.net/ar/fatwa/460276/
Majma’ al-Lughah al-‘Arabiyyah, M. al-Lughah al-‘Arabiyyah. (2004). Al-Mu’jam al-Wasīṭ. Kairo: Maktabah al-Shurūq al-Dawliyah.
Muḥammad ‘Alī Farkus. (2006). Ḥukm al-Qarḍ al-Ḥasan min Amwāl al-Zakāt. Retrieved from https://ferkous.com/home/?q=fatwa-468
MUI, M. (2021). Himpunan Fatwa Zakat Majelis Ulama Indonesia 1976 -2021. Jakarta: MUI.
Mukaddis, M., & Abdullah, M. W. (2019). Productive Zakat Using The Qardhul Hasan Scheme To Improve The Welfare Of The Economy. Jurnal Iqtisaduna, 208–220. https://doi.org/10.24252/iqtisaduna.v1i1.11830
Pratiwi, D., Nawawi, M. K., & Kamalludin, K. (2015). IMPLEMENTASI FATWA DSN MUI NO: 04/DSN-MUI/IV/2000 TENTANG MURABAHAH PADA PEMBIAYAAN KONSUMTIF (STUDI KASUS BNI SYARIAH CABANG BOGOR). Al-Infaq: Jurnal Ekonomi Islam, 6(1), 69–113.
Priyono, S., Istiqomawati, R., & Setyawan, I. (2022). Analisis Pembiayaan Qardhul Hasan dalam Meningkatkan Kesejahteraan Hidup Anggota Ditinjau dari Perspektif Islam. Equilibrium : Jurnal Ilmu Manajemen, 2(2), 46–51. https://doi.org/10.56393/equilibrium.v2i2.1365
Siti Patimah Sari. (2013). Pengaruh Pembiayaan Qardhul Hasan Terhadap Peningkatan Pendapatan Usaha Mustahik Zakat (Studi Kasus Dompet Peduli Umat Daarut Tauhiid Cabang Bogor). 4(1).
Syafaat Muhari, Fitriyani Lathifah, Sultan Antus Muhamad Nasarudin, Mulfi Aulia, Hidayat, Muzayyanah, … Hendra Kholid. (2024). Inovasi Pembiayaan Zakat Menggunakan Skema Qardhul Hasan. Jakarta: Pusat Kajian Strategis BAZNAS.
Tika Widiastuti, Sri Herianingrum, & Siti Zulaikha. (2022). Ekonomi dan Manajemen ZISWAF. Surabaya: Airlangga University Press.
Wafa, F. E. (2022). Distribusi Dana Zakat dengan Akad Al-Qard Al-Hasan di PKPU Cabang Yogyakarta dalam Perspektif Mashlahah Mursalah. Jurnal Ilmiah Ekonomi Islam, 8(2), 1744–1755. https://doi.org/10.29040/jiei.v8i2.5775
Waluya, A. H. (2024). Fikih Zakat Klasik dan Kontemporer. Banyumas: Wawasan Ilmu.
Yūnus Ibrāhīm al-Tamīmī. (2018). Mu’jam al-Muṣṭalaḥāt al-Maṣrifiyyah wa al-Iqtiṣādiyyah al-Islāmiyyah. Yordania: Sharīkah Dār al-Akadamiyūn.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Atep Hendang Waluya
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
