KEPATUHAN SYARIAH DALAM TADBIR URUS AR-RAHNU
Shariah Compliance in the Governance of Al-Rahnu
Keywords:
Ar-Rahnu, Tauhidik, Strategi Pengurusan, Tadbir Urus SyariahAbstract
The success of Ar-Rahnu as a major source of micro-finance in Malaysia is a factor for this study to examine the extent of Shariah compliance is being practiced in the management and governance’s strategies of Ar-Rahnu service providers in Malaysia. The Shariah compliance is important to ensure progressive growth of the Ar-Rahnu industry. Thus, the research proposes a conceptual Shariah compliance framework for the governance of Ar-Rahnu in Malaysia by suggesting appropriate management strategies. The study applies SWOT analysis that is based on semi-structured interviews and document analysis. The finding shows that Shariah compliance in the governance of Ar-Rahnu must be accompanied by four elements based on the concept of tawhidic and Shariah compliance which include objectives of the service, Shariah governance framework, human resource management and product/service offerings.
Abstrak
Kejayaan Ar-Rahnu sebagai sumber pembiayaan mikro kredit utama di Malaysia menjadi faktor untuk kajian ini meneliti sejauh manakah kepatuhan Syariah diamalkan dalam strategi pengurusan dan tadbir urus penyedia perkhidmatan Ar-Rahnu di Malaysia. Kepatuhan kepada Syariah ini merupakan perkara yang penting bagi untuk memastikan industri Ar-Rahnu dapat berkembang dengan lebih progresif. Dengan sebab itu, kajian ini mencadangkan satu kerangka konseptual kepatuhan Syariah bagi tadbir urus Ar-Rahnu di Malaysia dengan mencadangkan strategi pengurusan yang sesuai. Kajian ini menggunakan analisis SWOT berdasarkan data temu bual separa struktur dan analisis dokumen. Hasil kajian mendapati kepatuhan Syariah dalam tadbir urus Ar-Rahnu perlu disertai dengan empat unsur yang berpandukan konsep tauhidik dan pematuhan Syariah yang meliputi matlamat perkhidmatan, kerangka tadbir urus Syariah, pengurusan sumber manusia dan penawaran produk/perkhidmatan.
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