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Bedah Buku Zakat bersama KITAB siri ke-5

  • May 20, 2025
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Bedah Buku ke-IV bersama Kolej Islam Teknologi Antarabangsa P. Pinang (KITAB) dan AZKA-PPZ Ayuh kita hayati keindahan bacaan al-Quran dari perspektif nahu dan riwayat qiraat. Jangan lepaskan peluang! BACAAN SILAH MIM JAMA’ DALAM QIRAAT SAB’AH TORIQ AL SYATIBI: KAJIAN HUBUNGAN BACAANYA DENGAN NAHU ARABπŸ“Œ Perkongsian oleh: En. Muhammad Fitri Rosley (KITAB)πŸ“† Tarikh: 20 Mei 2025 (Selasa)πŸ•° Masa: 11.00 – 11.30 AMπŸ–₯ Medium: Siaran di https://www.facebook.com/myzakat & https://www.youtube.com/ppztv Β  SEMUA DIJEMPUT MENONTON. Lets Watch Siaran rakaman di bawah:

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WEBINAR BERSAMA KIAS: Korban Untuk Berkorban

  • May 19, 2025
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Webinar “Korban Untuk Berkorban” Disampaikan oleh: YBHG. PROFESOR MADYA DR. MOHD AZHAR BIN ABDULLAH Dekan Fakulti Syariah & Muamalat KIAS (FSM) Hari: Isnin Tarikh: 19 Mei 2025 Masa: 11.00 Pagi Anjuran Bersama: Perpustakaan KIAS | Akademi Zakat PPZ | Fakulti Syariah & Muamalat KIAS Pautan siaran ulangan di Facebook: https://www.facebook.com/share/v/16Puuv5nLZ/ Lets Watch Siaran rakaman di bawah:

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Pengenalan Manhaj Fiqh Shafi’e: Perkembangan Dan Isu-Isu Berkaitannya Di Malaysia

  • May 15, 2025
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DOWNLOAD Ringkasan Mazhab Shafi’e telah menjadi teras amalan fiqh umat Islam di Alam Melayu sejak abad ke-12, khususnya di Malaysia. Penulisan ini menelusuri sejarah Imam Shafi’e, metodologi istinbatnya, serta penyebaran mazhab ini di dunia Melayu. Ia turut membincangkan sumber-sumber hukum utama seperti al-Quran, Sunnah, Ijmak, Qiyas, serta pendirian terhadap istihsan. Mazhab Shafi’e berkembang pesat melalui tokoh-tokoh besar seperti al-Nawawi dan al-Rafi’i, serta kitab-kitab penting seperti al-Umm, al-Risalah, dan al-Majmu’. Dalam konteks zakat, ia memperincikan isu seperti fi sabilillah, pembahagian zakat, zakat kepada bukan Islam dan zakat hutang. Di Malaysia, walaupun pentadbiran Syariah tidak terikat mutlak dengan mazhab ini, fatwa kebanyakannya merujuk kepada qawl muktamad Shafi’e. Penulisan ini menyarankan kesinambungan pengaruh Shafi’e disokong demi kesepaduan hukum dan kesejahteraan masyarakat Islam tempatan. Penulis Dr. Muhammad Pisol Bin Mat Isa Dr. Hamidah Binti Mat Fakulti Sosial Sains dan Kemanusiaan, Open Universiti Malaysia (OUM)

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WEBINAR – CAKNA ZAKAT: AGIHANNYA DI MANA? BERSAMA DAR ASSAADAH MAIWP

  • May 8, 2025
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Mari sertai webinar khas “Cakna Zakat: Agihannya di Mana” (Siri 3 Bersama Dar Assaadah) bagi mendapatkan pemahaman yang mendalam tentang bagaimana agihan zakat dilaksanakan secara efektif. Bersama-sama, kita akan memahami, dan memperoleh info dan perkembangan terkini berkenaan agihan zakat ini.  Panel: Ustazah Rafidah binti Mohd Noor (Pengetua Dar Assaadah MAIWP)  Tarikh: 08 Mei 2025 / Khamis  Masa: 10:30am – 12:00pm  Medium: Live di Facebook & Youtube PPZ-MAIWP  Dalam siri ini, kita akan meneliti apakah peranan Dar Assaadah dari sudut impak pengagihan zakat kepada perlindungan sosial.  E-sijil penyertaan disediakan. Pendaftaran Google Form akan diedarkan ketika sesi berlangsung. Download Materials Lets Watch Siaran rakaman di bawah: https://www.youtube.com/watch?v=c-c7gpem0Qs&t=5752s

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New Ideas and Concepts on Zakat and Waqf Towards Society 5.0

  • May 6, 2025
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Download: PDF Summary β€œNew Ideas and Concepts on Zakat and Waqf Towards Society 5.0” explores the transformative role of Islamic social finance in the era of Industry 5.0 and Society 5.0. Published by the Pusat Pungutan Zakat (PPZ-MAIWP) under the supervision of Akademi Zakat (AZKA-PPZ) in collaboration with the Faculty of Business and Management, Universiti Teknologi MARA (UiTM), this book brings together over 30 insightful and scholarly articles from researchers, academics, and practitioners across the region. Key themes include the integration of blockchain, artificial intelligence, smart contracts, and cloud computing into the management of zakat and waqf institutions. The book also addresses contemporary issues such as the gig economy, digital assets, innovative waqf models, and the digitalisation of zakat distribution, offering balanced perspectives rooted in both fiqh and modern technology. This timely volume serves as a strategic reference for policymakers, zakat and waqf institutions, researchers, and scholars committed to reimagining Islamic philanthropy in the digital ageβ€”towards a more inclusive, transparent, and impactful future. Download Article by Chapter FRONT COVER & COPYRIGHT Β  TABLE OF CONTENTS Β  FORWARD by Datuk Hj. Abdul Hakim Amir Osman ACKNOWLEDGEMENT by Dr. Muhsin Nor Paizin THEME 1: TECHNOLOGICAL IMPACT ON ZAKAT & WAQF (IMPAK TEKNOLOGI TERHADAP ZAKAT & WAKAF) CHAPTER 1 POTENSI TEKNOLOGI BLOCKCHAIN DALAM PENGURUSAN ZAKAT DI MALAYSIA Author: Nur Syahirah Mohd Noh, Nuruul Hidayah Mansor & Muhammad Noor bin Hussin CHAPTER 2 WAKAF DAN DIGITALISASI: CABARAN DAN PELUANG TERHADAP NEGARA ISLAM Authors: Shahsuzan Zakaria, Mohd Afzanizam Abdul Rashid & Amirul Afif Muhamat CHAPTER 3 ADAPTING INDONESIAN INNOVATIONS: ADVANCED FRAMEWORKS AND TOOLS FOR ZAKAT AND WAQF GOVERNANCE IN SOCIETY 5.0 Author: Farah Adilla Ab Rahman CHAPTER 4 POTENTIAL OF BLOCKCHAIN TECHNOLOGY IN INCREASING THE EFFECTIVENESS OF WAQF FUND MANAGEMENT Authors: Mohammad Zulfakhairi Mokthar & Noraina Mazuin Sapuan CHAPTER 5 A REVIEW ON THE ROLE OF ICT AS A ZAKAT RELIEF ITEM Authors: Azhan Rashid Senawi, Amirul Afif Muhamat, Shariff Harun, Heizal Hezry Omar & Yuni Yulia Farikha CHAPTER 6 IMPACTS OF THE GIG ECONOMY ON ZAKAT CALCULATION: CHALLENGES AND ADAPTIVE STRATEGIES IN THE ERA OF DIGITALISATION Authors: Siti Dalina Tumiran @ Kamal Nasser & Marziana Madah Marzuki CHAPTER 7 AI-POWERED SMART TOURISM FUNDS: REVOLUTIONIZING ZAKAT AND WAQF ALLOCATION IN SOCIETY 5.0 Author: Mohd Hasrul Yushairi Johari CHAPTER 8 REVITALISING ZAKAT AND WAQF WITH IR5.0 TECHNOLOGIES TOWARDS A MAQASID SHARIAH COMPLIANT SOCIETY 5.0 Author: Adlin Masood CHAPTER 9 DIGITAL WAQF: INNOVATING THE FUTURE OF ISLAMIC PHILANTHROPY Authors: Norzitah Abdul Karim, Amirul Afif Muhamat, Muhamad Nizam Jaafar & Norhasimah Shaharuddin CHAPTER 10 NAVIGATING ZAKAT AND WAQF IN SOCIETY 5.0: NEW APPROACHESAND OPPORTUNITIES Authors: Irwan Ibrahim, Azilah Anis, Hardi Emrie Rosly, Abdul Khabir Rahmat, Nor Farradila Abdul Aziz, Norina Ahmad Jamil & Saiful Azmir Kasdi CHAPTER 11 STRATEGIC MARKETING OF ZAKAT AND WAQF FOR SOCIETY 5.0: ENHANCING KNOWLEDGE AND TRUST FOR BLOCKCHAIN TECHNOLOGY Authors: Siti Sara Ibrahim, Balkis Kasmon, Nazatul Aqilah Sutrisno & Ririn Tri Ratnasari CHAPTER 12 BEYOND CHARITY: THE EVOLUTION OF ZAKAT AND WAQF IN A TECHNOLOGICALLY ADVANCED SOCIETY Authors: Mohd Fathi Abu Yaziz, Aidanazima Abashah & Wan Mohd Al Faizee Wan Ab Rahaman CHAPTER 13 REVOLUTIONIZING THE SDGs AGENDA THROUGH ARTIFICIAL INTELLIGENCE IN ZAKAT MANAGEMENT Author: Roslina Mohamad Shafi CHAPTER 14 CLOUD COMPUTING FOR OPTIMIZATION OF ZAKAT INSTITUTION Author: Muhsin Nor Paizin THEME 2: MARKETING ON ZAKAT & WAQF (PEMASARAN ZAKAT & WAKAF) CHAPTER 15 PEMBANGUNAN DANA ZAKAT SEBAGAI PEMANGKIN KERJAYA BERDASARKAN PROFIL BAKAT PERSONALITI PELAJAR SEKOLAH ZAKAT KEDAH Authors: Nur Fadila Binti Mohd Yusof, Azhari Md Hashim, Azmir Mamat Nawi, Azizi Abu Bakar & Mohd Faisal Mustaffa CHAPTER 16 MODEL USAHAWAN TANI BERTERASKAN KONTRAK MUSAQAH TERHADAP TANAH WAKAF PERTANIAN Authors: Norhasimah Shaharuddin, Mohd Hafiz Abdul Wahab, Ismah Osman & Wan Azmi Wan Ahmad CHAPTER 17 HUBUNGAN ZAKAT TERHADAP PEMBANGUNAN MASYARAKAT BERTERASKAN DIMENSI INDEKS PEMBANGUNAN INSAN Authors: Mohd Taqiyuddin Che Hassan, Mohd Hafiz Abdul Wahab, Faezy Adenan & Norhasimah Shaharuddin CHAPTER 18 PENCARIAN DAN KEGUNAAN MAKLUMAT ZAKAT: PERBINCANGAN KUMPULAN FOKUS Author: Ismail Sualman CHAPTER 19 RETHINKING ZAKAT AND WAQF MANAGEMENT FOR SOCIETY 5.0 Author: Ahmad Fauze Bin Abdul Hamit CHAPTER 20 RESTRUCTURING ISLAMIC BANKING PRACTICE TO INCREASE ZAKAT AND WAQF CONTRIBUTIONS IN SOCIETY 5.0 Author: Siti Nor Amira Mohamad CHAPTER 21 JOINT MANAGEMENT OF WAQF AND ZAKAT: A WORKABLE APPROACH DRIVEN BY THEORY OF FIQH AL AWLAWIYAT AMONG STATE ISLAMIC RELIGIOUS COUNCILS IN MALAYSIA TOWARDS ASNAF COMMUNITY Authors: Siti Nadiah Mohd Ali, Huraizah Arshad, Nurul Sahida Fauzi, Nur Atika Atan & Intan Fatimah Anwar CHAPTER 22 INTRODUCTION OF CONDITIONAL CASH TRANSFER PROGRAMS AS A NEW ZAKAT DISTRIBUTION MECHANISM IN MALAYSIA Authors: Mohd Suffian Mohamed Esa, Hairunnizam Wahid & Salmy Edawati Yaacob THEME 3: SUSTAINABILITY OF ZAKAT & WAQF (KELESTARIAN ZAKAT & WAKAF) CHAPTER 23 PEMBANGUNAN WAKAF AIR MADANI: ANALISIS STRATEGI MENGHADAPI KRISIS AIR BERDASARKAN AMALAN SAHABAT RASULULLAH (SAW) Author: Ahmad Yumni Abu Bakar, Md Saufi Abd Hamid & Farahdina Fazial CHAPTER 24 PEMANTAUAN BANTUAN PRODUKTIF DALAM MEMBANGUNKAN KUALITI HIDUP USAHAWAN ASNAF: ANALISIS BERDASARKAN MAQASID SYARIAH Author: Syamimi Binti Ahmad CHAPTER 25 MENGUPAYAKAN SKIM MIKRO-TAKAFUL MELALUI ZAKAT Authors: Amirul Afif Muhamat, Ummu Salamah Ahmad Mahauddin, Norfaridah Ali Azizan, Sri Rezeki, Mohamad Nizam Jaafar, Norzitah Abdul Karim & Azhan Rashid Senawi CHAPTER 26 KELESTARIAN INSAN DALAM PENGAGIHAN ZAKAT PRODUKTIF TERHADAP USAHAWAN ASNAF: PANDANGAN PENGAMAL ZAKAT TERHADAP PEMBIAYAAN MIKRO KREDIT DARIPADA DANA ZAKAT Author: Muhammad Anas Ibrahim & Aemy Aziz CHAPTER 27 ZAKAT AND WAQF: THEIR ROLES IN MEETING THE SUSTAINABLE DEVELOPMENT GOALS (SDGs) Author: Muhammad Zarunnaim Bin Haji Wahab CHAPTER 28 IMPROVING SOCIETY’S ECONOMY:THE BEST PRACTICES ON DISTRIBUTING ZAKAT FUNDS TO THE REFUGEES Authors: Muhammad Haikal Bin Asrul Sani, Hasmawani Binti Zahari, Nur Layla Soffea Binti Muzeliraman, Nur Nabilah Binti Usman, Nurin Aina Binti Noor Azmi Sitidalina, Siti Dalina Tumiran @ Kamal Nasser & Marziana Madah Marzuki CHAPTER 29 THE ROLE OF WAQF LAND IN PROMOTING AFFORDABLE HOUSING IN MALAYSIA Authors: Mahazril β€˜Aini Yaacob, Farihah Hassan, Siti Sara Ibrahim, Sharfizie Mohd Sharip, Norraidah Abu Hasan & Saidatul Akma Hamik CHAPTER 30 ZAKAT AND WAQF: ENHANCING ISLAMIC SOCIAL FINANCE FOR SUSTAINABLE DEVELOPMENT GOALS Author: Ummi Farhani binti Firdaus CHAPTER 31 EMPOWERING DISABILITY INCLUSION THROUGH ZAKAT AND

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ππˆπ‚π€π‘π€ π…πˆππ‡-πŠπˆπ“π€π π’π˜π€π‘π€π‡ 𝐀𝐋-π˜π€ππ”π“ 𝐀𝐋-ππ€π…πˆπ’ πŠπ€π‘π€ππ†π€π 𝐀𝐋- π’π˜π€π“πˆπ‘πˆ 𝐃𝐀𝐍 πˆπŒππ‹πˆπŒπ„ππ“π€π’πˆππ˜π€ πƒπ€π‹π€πŒ πŒπ„π“πŽπƒπŽπ‹πŽπ†πˆ 𝐏𝐄𝐍𝐆𝐀𝐉𝐀𝐑𝐀𝐍 π…πˆππ‡ πŒπŽπƒπ„π

  • May 5, 2025
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ππ‘πŽπ†π‘π€πŒ ππˆπ‚π€π‘π€ π…πˆππ‡-πŠπˆπ“π€π π’π˜π€π‘π€π‡ 𝐀𝐋-π˜π€ππ”π“ 𝐀𝐋-ππ€π…πˆπ’ πŠπ€π‘π€ππ†π€π 𝐀𝐋- π’π˜π€π“πˆπ‘πˆ 𝐃𝐀𝐍 πˆπŒππ‹πˆπŒπ„ππ“π€π’πˆππ˜π€ πƒπ€π‹π€πŒ πŒπ„π“πŽπƒπŽπ‹πŽπ†πˆ 𝐏𝐄𝐍𝐆𝐀𝐉𝐀𝐑𝐀𝐍 π…πˆππ‡ πŒπŽπƒπ„π Tarikh : 5 Mei 2025, Isnin.Masa : 12.30 tengah hari – 2.00 petang.Tempat : Sudut AZKA @ Library Community Engagement (LCE).Kerjasama : Akademi Zakat (AZKA).Moderator : Dr Ab Wahab Md Ali, Pensyarah ACIS UiTMCTPenceramah : Saudara Abdul Rahman Ahmad Tarmizi, Pelajar Sarjana Akademi Pengajian Islam Kontemporasi (ACIS) UiTMCT. Platform : https://www.youtube.com/watch?v=OQIYmvG4idIΒ / Youtube Perpustakaan Cendekiawan dan bersemuka. Program Bicara Fiqh-Kitab Syarah al-Yaqut al-Nafis Karangan al-Syatiri dan Implikasinya dalam Metodologi Pengajaran Fiqh Moden merupakan sebuah inisiatif ilmiah yang bertujuan untuk membincangkan kepentingan dan kandungan kitab turath tersebut dalam konteks pendidikan fiqh masa kini khususnya dalam kalangan pendidik dan pelajar. – Semua dijemput hadir.#SudutAZKA Lets Watch Siaran rakaman di bawah:

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Courtesy Visit from ISF-UniSZA to AZKA: Exploring Strategic Collaboration

  • April 28, 2025
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On Monday, 28 April 2025, the Islamic Social Finance Research Centre (ISF) of Universiti Sultan Zainal Abidin (UniSZA) made a courtesy visit to the Zakat Academy (AZKA) at PPZ-Majlis Agama Islam Wilayah Persekutuan (MAIWP) for an initial dialogue on potential collaboration. The visit was led by Associate Professor Dr. Muhammad Shahrul Ifwat bin Ishak, Director of ISF. A Step Towards Institutional Synergy The purpose of the meeting was to explore and establish strategic academic and research-based collaborations in the field of Islamic Social Finance, particularly zakat, waqf, and related socio-economic empowerment efforts. The session included a presentation on the background and aspirations of ISF-UniSZA, followed by an open discussion on: Research collaboration in Islamic finance and zakat policy development Joint academic and professional training initiatives Student engagement, including industrial attachments and knowledge exchange Visibility efforts through platforms like the proposed β€œAZKA Corner” and co-branded outreach programmes Shared Vision for Societal Impact Both institutions share a commitment to advancing the ecosystem of Islamic social finance in Malaysia through rigorous research, academic development, and community engagement. The visit reflects the growing interest among academic institutions to partner with operational bodies like AZKA to translate theory into impactful practice, particularly in addressing real-world economic challenges through Islamic solutions.

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Kick-Off – Research of Zakat on Crude Palm Oil Futures (FCPO)

  • April 28, 2025
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The Zakat Academy (AZKA) of PPZ-MAIWP has officially launched a collaborative research project with Universiti Sains Islam Malaysia (USIM) titled β€œZakat on Crude Palm Oil Futures (FCPO): A Fiqh Analysis and Methodology for Calculation”. This pioneering study is led by Prof. Dr. Muhammad Ridhwan Ab. Aziz, a prominent scholar in Islamic economics from the Faculty of Economics and Muamalat, USIM, alongside a research team from UNISZA and UTM. Background of the Study Crude Palm Oil (CPO) is one of Malaysia’s key agricultural commodities, widely traded through futures contracts on Bursa Malaysia Derivatives under the product known as FCPO. These contracts, certified as Shariah-compliant by the Securities Commission Malaysia, serve as a benchmark for global palm oil pricing. Despite its compliance with Shariah principles, there remains a lack of clarity regarding the zakat obligations arising from FCPO transactions. This is particularly crucial given the financial significance of FCPO trading and its widespread participation among investors and industry players. Objectives and Significance This study aims to address several pressing questions, including: Should profits from FCPO trades be subject to zakat? What type of zakat is applicableβ€”business zakat, agricultural zakat, or both? Who exactly is obligated to pay zakatβ€”the farmer, investor, trader, or financial intermediary? Using a rigorous takyif fiqhi (fiqh-based classification) approach, the research seeks to clarify the Islamic legal framework and propose accurate zakat calculation methodologies for this modern financial instrument. Methodology The study will be conducted over a six-month period using qualitative research methods, including: Literature review and fiqh analysis on relevant zakat categories Expert interviews involving practitioners and Shariah scholars Case analysis and practical recommendations based on real-world FCPO trading scenarios Expected Outcomes This initiative is expected to result in a comprehensive fiqh framework and calculation model for zakat on FCPO. The findings may also guide the formulation of official guidelines by zakat authorities and Islamic finance institutions. By addressing this modern issue, the study aligns with the goal of enhancing zakat collection through new financial avenues while ensuring compliance with Islamic jurisprudence.

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Faktor Mempengaruhi Medium Promosi Pungutan Zakat Dan Kesesuaian Aplikasi

  • April 25, 2025
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DOWNLOAD Ringkasan Eksekutif Kajian ini bertujuan untuk menilai keberkesanan medium promosi yang digunakan oleh institusi zakat dalam meningkatkan kesedaran dan niat masyarakat untuk menunaikan zakat. Walaupun pelbagai pendekatan telah diambil, kutipan zakat masih belum mencapai tahap optimum, terutamanya dalam kalangan usahawan, penjawat awam, dan golongan berpendapatan tinggi. Dapatan kajian menunjukkan bahawa media sosial dan aplikasi digital mempunyai potensi besar untuk meningkatkan kesedaran zakat, namun memerlukan strategi yang lebih bersasar. Kepercayaan terhadap institusi zakat, kemudahan akses, serta kandungan promosi yang jelas dan menarik turut dikenal pasti sebagai faktor utama yang mempengaruhi niat pembayaran zakat. Kajian ini mengesyorkan agar institusi zakat memperkukuhkan promosi digital melalui penggunaan visual kreatif, interaksi media sosial, dan penyediaan platform pembayaran zakat yang mesra pengguna. Selain itu, ketelusan dalam pengurusan zakat dan penyampaian maklumat secara lebih konsisten perlu diberi perhatian untuk membina kepercayaan masyarakat. Kesimpulannya, institusi zakat perlu mengadaptasi pendekatan pemasaran digital yang dinamik, meningkatkan kepercayaan pengguna, serta memperbaiki sistem pembayaran bagi memastikan kutipan zakat yang lebih berkesan dan mampan. Dapatan ini diharap dapat menjadi panduan berguna kepada Agensi Mengurus Zakat (AMZ) dan Majlis Agama Islam Negeri (MAIN) dalam memperkasa pengurusan zakat di Malaysia. Researchers Dr. Mohd Faizun Mohamad Yazid Dr. Khairul Shahida Shabi Dr. Nasution Ismail Prof. Madya Dr. Affendy Abu Hassim Universiti Kuala Lumpur (UniKL) Business School

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Book: Zakat in Malaysia

  • April 15, 2025
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β€œZakat in Malaysia” is a comprehensive publication by Pusat Pungutan Zakat (PPZ-MAIWP) that outlines the structure, history, and implementation of zakat administration in Malaysia. The document highlights the country’s unique dual-level system where zakat matters fall under the jurisdiction of each State Islamic Religious Council (IRC), while the Federal Territories are managed by MAIWP. The publication traces the historical development of zakat administration, with a special focus on the formation of PPZ-MAIWP in 1991, which marked a transformation through the adoption of a corporate and digital approach to zakat collection. This corporatisation allowed for improved efficiency, transparency, and reach. It describes the three main administrative models for zakat management in Malaysia: fully state-managed, fully corporatised, and hybrid models involving both state authorities and corporate entities. It also showcases the roles of JAKIM (Department of Islamic Development Malaysia) and JAWHAR in coordinating Islamic affairs at the federal level, particularly in harmonising zakat regulations and development. The document further elaborates on zakat distribution mechanisms, detailing various assistance programmes for the eight asnaf groups (zakat-eligible beneficiaries) including welfare, education, medical, economic, housing, and spiritual development. It highlights the challenges of urban poverty, particularly in the Federal Territories, and the need for contextualised zakat distribution frameworks that consider the high cost of living in urban areas. Finally, the publication promotes various digital payment channels and innovative services introduced by PPZ-MAIWP to make zakat payment more accessible and efficient. These include mobile counters, online portals, auto-debit services, and the MyZakat mobile app. Conclusion:This document positions Malaysia as a leading model in zakat administration, combining traditional Islamic principles with modern governance and technology. It serves as a valuable reference for policymakers, zakat practitioners, academics, and the broader public committed to empowering the Islamic social finance ecosystem. Download here: https://azka.zakat.com.my/books/

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