Elegy of Somalia

The world we live in is, it should be is a beautiful place for all the sons of men. Each hemisphere is supposed to be a comfortable place for every man to weave the future of life. Laughter is loose in an area of ​​the earth, should be able to drive the smile that broke in other areas. Every joy that crosses in each corner of the world will be bliss for generating energy corner of the world. But now, when the majority of Muslims around the world to learn about hunger in the month of Ramadan, the population of Somalia has reached the end of hunger. Most of them have to withstand the pain of hunger that stab stomach limit their patience. Some had been dying to pick up his end. From day to day, constantly writhing body row that can not help scour hungry. Somalia, a country in the horn of Africa, already 20 years as a country that seemed self-governing. The country is hit by prolonged conflict. Civil war involving the militia of each region and ethnic-based groups no ending. Drought and the failure to create a food resource also continued to haunt. Coupled with the inability to develop trade and economic management, all resulting in Somalia became a failed state. Ultimately impact the suffering people of Somalia are endless. UN calls Somalia as a country that was ranked first in the world in terms of malnutrition. Currently estimated at more than 80% of children in Somalia are malnourished and 30% of whom suffer from acute malnutrition. World Food Programme (WFP) launch news that says that more than 3.7 million Somalis need food assistance. From a number of these, 800 thousand of whom are children. During drought and famine that peppered this conflict, tens of thousands of Somalis have died. To save themselves, Every week an average of 5000 Somalis are willing to walk for days in the hot sun to the refugee camps in Kenya and Ethiopia. To date, more than 175,000 Somalis have become refugees, in general they live in the border region of Kenya and Ethiopia. Somalis are not only faced with famine. Currently they are also threatened his life, because the Somali militia to hunt them in order to get the treasure. Somali militia in uniform and armed with rifles and pistols, it should keep residents who suffer from hunger. But in reality, they actually hunt down the people who are already suffering from famine. One of the disturbing actions committed by the militia of this happened some time ago. A 13-year-old girl and two sisters were abducted when their families managed to cross into Kenya. Parents third of these refugees were robbed, while three girls were taken hostage by the militia. For two days three siblings underwent forcible rape, before finally freed. Various voluntary organizations that want to provide help for the citizens of Somalia has run into difficulty. Not a few humanitarian organizations that are prohibited entry by the militia forces. The militants were blocking relief brought by human volunteers. There has been also militia kill aid workers. It seems that the suffering people of Somalia who appeared on the world stage, we will still continue to see. Bodies emaciated and pale face full of anguish still will adorn the world media screen. The birds that flew and perched vows in a former human bone beluang will still die of hunger terperagakan in the face of the earth's population, as long as we just stay quiet and sit on my hands. Song of death from Somalia may still be the entertainment for the citizens of the world that no longer cares. No one deserves done by us, except go and help them. As difficult as any we are feeling, we may still be set aside part of caring for them. While we continue to help overcome the difficulties of the nation, let a speck of human solidarity be a helper for them.

Street Musician, Band Players and Celebrity

When we look at the behavior of the zakat fund manager or social institutions, particularly in relation to relate to society, then we can classify his style on three types of behavior. All three of these styles can be seen also as the three classifications. The third force is the tendency of behavior often displayed by the managers of zakat, or charity fund. The third of these styles can be named as the style of street musician, band players and celebrity.

Street musician style shown by the behavior of the managers of humanitarian agencies who have a habit to make sad people in order to invite sympathy. Generally they are doing is telling the suffering of the poor are vulgar. Very often they exploit the difficulties of the poors. Sometimes it does is create or display the poems lament or sorrow songs. Not a few are up to show the children from poor families to tell the anguish of his life in front of crowds. The goal is that people who hear the part soluble in sadness and finally willing to spend money donations.

The next style is the style that is sometimes displayed the band. This style refers to the behavior of the managers of charity or social institution that tries to present an interesting program packaging, quality and harmony of good management. This band of players try to show the performance management of charity and social activities as a substance to achieve the goal of helping the poor. To invite the money and sympathy, the band is not the main provisions of poetry and songs of sorrow, but the value of the benefits and impact of programs to improve the fate of the poor. In a higher stage, surely the quality of players we could call this band as an orchestra player, because of his skill in concocting the substance of value in a dynamic program.

The third style that is often displayed by the fund manager charity or humanitarian institutions is celebrity style. This style refers to the behavior of the managers of charity and social institutions are more interested in popularity in carrying out its activities. This group made the publicity and popularity as a destination from a variety of activities done. This style is supported by a variety of activities which involve more journalists and promotion in various media. It does not matter whether the activity benefits the poor people or bring in donations, the important names of institutions and personnel of the more widely known by the public.

Of course, a legitimate charity or if the manager displays the behavior of social institutions as mentioned above. All behavior that is part of an effort every manager charity and social institutions to achieve their stated objectives. In addition to its objective factors, behavioral styles also emerged due to the knowledge, experience and skills possessed personnel involved in managing the charity and social institutions. The more qualified managers charity and social institutions, will be more quality display of force behavior.

Some managers charity and social institutions may also have noticed that the aspects of the substance of the benefits of the program, the ability to bring sympathy and donations and the impact of popularity is the third thing that can not be separated. They make all aspects of it as a defining element of they directing the organization or impelemnting the program. These aspects has been a decisive element of success of activities and ran well organizations wheel. But whatever the behavior of zakat or charity institution, the community will continue to appreciate the style of behavior displayed. Apreciation from community can emerge in the form of positive or negative appreciation. The impact of zakat or charity institution will be loved or shunned society. Now it's up to the institution of zakat, or charity, the style of what behaviors will be displayed?

Amil Zakat Salary

Many people are now involved in zakat work as amil. It is estimated that more than 10,000 people in Indonesia have become amil zakat. There are a amil for ideological reasons, namely to fight for the fate that together serve the people. There are to be amil professional reasons, namely that the party concerned has the knowledge, skills and experience in managing zakat. There is also a pragmatic reason, namely that it is currently able to accommodate the work him is work as amil.

Judging from the time spent on each amil for zakat, then we can divide into: 1) Full-time Amil 2) Amil Part Time, and 3) Amil meantime. Full Time Amil is Amil involved managing the zakat in an average of eight hours a day, five days a week and continued to work throughout the year. Amil Full-time job as amil relative making a major job. Part Time Amil is Amil who do the work of managing the zakat in the number of working hours or job sharing with other professions. Generally, the average working hours are used by Part Time Amil to manage Zakat is less than four hours a day. The amil meantime while the people involved to manage zakat in a very short time, for example, in a Ramadan committees whose time is only three days a year (before the Idul Fitr).

In terms of occupation or profession as amil, many people have a salary or wages regularly. Salary is of course given to Amil Full Time or at least the Amil Part Time. While Amil While, generally do not receive salary or wages. Salaries can be derived from the provision of the right amil (mustahik) obtained from the accumulation of zakat funds collected by organizations that manage zakat. It could also come from other funds (non zakat) which is owned by the parent organization for managing the zakat.

Giving salary to amil given in order to provide fringe benefits for the deployment of labor, time, thought and competence in order to take care of one's zakat. Provision of fringe benefits also aims to foster the spirit of work, sincerity and hard work in carrying out duties as amil. Providing salary amil zakat manager is expected to create serious and fully concentrate on serving the community and develop the charity with the best.

In connection with amil salary scale, ever at a national media published a statement of a bureaucrat associated with zakat, said that there is leadership of Zakat Management Organization, whose salary is Rp 45 million per month. This statement is of course not true, because until now there has been no salary zakat organization leaders who arrive at that number. Though actually, as a possibility, may be one day a head of Zakat organization-paying IDR 45 million or more if the achievement of zakat collection is very large (in accordance with the guidelines fiqh zakat).

Provision of adequate salaries to the amil zakat, actually at this time we need. Besides in order to appreciate the hard work, performance and dedication in taking care zakat that has been achieved, as well as to foster a sense of pride and awaken a sense of excitement to the job as amil zakat. Taking Care of zakat should not create the impression of inadequate or no confidence among some communities because of the work as contemptible or amil zakat is considered low. To wake the glories of zakat we need people who are proud and passionate in managing zakat.

Another reason we need to provide adequate salaries amil zakat is in order to ensure that every Zakat organization still filled by people qualified and competent. Each Zakat organization should be managed by people smart, visionary, skilled, integrity, hardworking and proud of his work to the public. With adequate remuneration would be possible for Zakat organization to recruit the best people and treat him to continue working full devotion in the service and development zakat.

When Zakat organization was not able to provide an adequate salary, then at some point the best people, who have sufficient competence and experience will one by one left the Zakat organization and find a place to move or work in other places that provide better remuneration. Most of the others, may be out of Zakat organization and change course to become entrepreneurs. Meanwhile, another part will work as amil by moonlight for another job in order to cover their needs are not fulfilled from his income as amil. The impact ultimately will lower the concentration, commitment, loyalty and fighting in managing and developing the zakat.

Because it's been so many people involved as amil, then our attention would salary amil this problem we need to improve. We need to give recognition and adequate remuneration, while still maintaining the glory and dignity as amil. Of course all the attention and the arrangement we have to remain assembled within a frame guide fiqh of zakat and a commitment to maintain the mandate to serve the community with the best.

Zakat Management Standards

The national standard of zakat management important soon realized and implemented by the management organization of zakat (OPZ). Therefore, the management of zakat must be professional, transparent and accountable.

The assertion was made Chairman of the Forum Zakat (Foz), Ahmad Juwaini at the seminar 'How to Measure Quality of zakat Organization and launching Indonesia zakat Management Standards', in Jakarta, Tuesday (2 / 2).

"Taking Care of zakat should not be like before, now have to seriously like taking care of the company,''he said.

So far, said Juwaini, each zakat institutions already have a standard reference management respectively. Among these are ISO certified. So far, there were four institutions have obtained ISO.

Still, said Juwaini, the differentiate standard is quite difficult for zakat organization, especially to measure and compare the performance of the existing inter-Zakat organization.
This is because each zakat organization has a reference standardization.

Later, said Juwaini, the existence of national standardization in the management of zakat at least contain two important elements, namely planning and results. Namely, the extent of Zakat organization can make good planning and be able to carry them out with good results also, that is able to serve the muzaki (zakat payer) and mustahiq (zakat receiver) well.
"It should be a tool for comparison quite balanced," he said.

Certification
After the standard management of the national zakat formed, said Juwaini, next target is certification. Ideally the certificate was awarded by an independent team so as to give assurance of quality and credibility of Zakat organization concerned. It's just the first stage must be done is socialization and dissemination. With so expected, each Zakat organization begin to implement these standards.

The same thing is said Vice Chairman of the Board Amil Zakat Nasional (Baznas), Naharus Surur. He said one of the fundamental efforts in order to realize the certification of Zakat oganization is a national standard that is used as a guide for Zakat organization. These standards have two important elements. First, standards of governance and management organization, such as administration and finance. While the second, the standard under the laws of fiqh of zakat. (Republika Daily Newspaper, Friday, February 4, 2011 at 09:39:00, Nashih Nashrullah, ed: wachidah handasah)

Develop Philanthropy with Innovation

"The urge to give also makes me believe that almost everyone-regardless of income, whatever dipunyainya time, regardless of age, and whatever skills he has, can do something useful for others so that strengthen the fabric of humanity that we have in common. "
(Bill Clinton)

Nearly 200 people representing various donor agencies, institutions, grant makers, philanthropic organization organizers, associations or philanthropic associations, as well as assessment centers and development of philanthropy than 56 countries around the world gathered in WINGS Forum 2010. Conference activities that took place from 18-20 November 2010 is taking place at the Grand Hotel in Como, located in the beautiful Como lake and surrounded by snowy mountains of Italy that already. Como is a city which is about 30 km from Milan, Italy.

WINGS (Worldwide Initiatives for Grantmaker Support), is a philanthropic organization cooperative association which was founded ten years ago. Originally WINGS secretariat moved from Asia, Europe, America and at this point will tend to be permanently located in Brazil. WINGS Forum is meeting in order to discuss the agenda or issues of philanthropy and grant making world level. The theme was taken on WINGS and Innovation Forum 2010 is the Impact: The Role of Grantmaker Associations in Changing Society.

The topics discussed in the forum is: how to make change through innovation and impact, efforts to create a regulatory and support for the development of philanthropy, the need to develop the study of philanthropy, the role of leadership and collaboration in the development of philanthropy and how to achieve good governance for the development of philanthropy. As for which act as a speaker, among others: Peggy Dulani (Chair of The Synergos Intitute, USA), Paula D. Johnson (Vice President of The Philanthropic Initiative, Inc.. USA), Barry Knight (Executive Director, Center for Research and Innovation in Social Policy and Practice, UK), Stefania Mancini (Vice President Assifero, Italy), Adam Smith (CEO of the Foundation for Young Australians ), Bradford K. Smith (The Foundation Center, USA) and Stefano Zamagni (President Italian Charity Commission).

Philanthropy is the awareness to give in order to overcome difficulties and improve the quality of community life. Philanthropy can come from spiritual awareness, can also arise due to the call of humanity and of course very likely be present because someone wants meaning in life and participate in creating a better life.

Philanthropic resources come from individual donations, donations from companies in the form of Corporate Social Responsibility (CSR) and now is also very decisive factor is of the great philanthropists like Bill Gates, Warren Buffet and many more the millionaires of the world. The great philanthropist not only act as donors, but some others also established their own foundations such as the Gates Foundation, which plays a grantmaker to fund various humanitarian programs undertaken by many organizations implementing humanitarian aid.

In its development, philanthropy movement has become part of the strength of the third sector, namely the public sector whose role is to continue to strengthen the position of civil society (civil society) in between two other forces, namely the power of government and private. Philanthropy movement is also part of efforts to create a balanced life between the rich and poor, between men and women and between parents and young people.

The development of philanthropy will increase significantly when all the perpetrators are driven to always be innovative in the delivery of new works, Always intrigued to find new ways of development organizations and programs, as well as being able to find new breakthroughs and solving problems in the face of all challenges and obstacles that exist. Innovation is one of spirit that will sustain the development of philanthropy as well make the leap into the future.

Innovation will only flourish in an environment that competetive, open and egalitarian. Innovation will also be developed so fast in the creative and make solution cultural traditions supported by a fast dynamics. Innovation will increasingly encouraged by the number of information and knowledge is disseminated to all stakeholders. Therefore, in order to support the development of philanthropy, the growing presence of a situation that is conducive to innovation in individuals and philanthropic organizations are also indispensable actors

World Zakat Forum

Entering the year 2010 was the payment of zakah is increasing worldwide. It is estimated that more than 80% of the Muslims who were categorized muzakki (obligatory Zakat) has regular paid zakat. The Zakat Payers are paid through zakat organizations, as well as directly paid to mustahik in their respective countries.

Based on the calculation of various methodes, particularly with reference to the pattern of calculations performed by Habib Ahmed from IRTI - Islamic Development Bank (IDB), then we can calculate that the year 2010 using estimated proportion of GDP every Muslim country, the estimated potential of zakah in the world a year of not less than USD 600 Billion.

By considering the data on the number of poor people of the world in the year 2007 reaching 830 million people, then the potential zakat world will be able to overcome poverty until 24.1%, with the assumption that every poor person will be able alleviated with greater empowerment of zakat funds of USD 3000 per person .

Will understand the potential significance of zakah in addressing world poverty, then all elements in the management of zakat was held to convene an international conference World Zakah Forum (WZF) 2010. The plan, activities that invite activists worldwide zakat organization was held on 28 September to 2 October 2010 in Jogjakarta, Indonesia.

World Zakat Forum is a forum for meeting with the manager of zakat organizations in the world in order to discuss various problems of zakat in the world and decide and recommend an action or activity in order to improve the function of zakat in solving various problems in the world.

At this conference forum also not closed the possibility of birth to a forum of cooperation and cross the world in the affairs of the organization who will be able to synergize zakat management worldwide, especially in order to use zakat to overcome poverty.

The theme for World Zakah Forum was To Strengthen The Role of Zakat in Realizing the welfare of the Ummah Through International Zakat Network. While participants are invited include, for Zakat Management Organization, Islamic Organizations, universities, national zakat organizations and regional cooperation, research centers and representative zakat management organizations from various countries around the world. The number of participants is estimated as many as 300 participants.

Events World Zakat Forum is also planned to provide a real contribution in formulating the world level zakat management model that is able to have an impact in solving some problems of the world. Various alternatives zakat fund mobilization and management of the world (World Zakat Fund) will be discussed, as well as on inter-state model in order to optimize synergies of zakat funds from surplus countries-due to the poor countries. World Zakat Forum will also endeavor to find the formula in order to optimize resource zakat as an alternative to overcome world poverty.

May the World Zakah Forum activities will provide tangible benefits for the development of zakat in the world and provide solutions to overcome global poverty through the optimal synergy.

Global Zakat Fund

Zakat can play a significant role in Muslim socio-economic development if it is used properly. Zakat is mentioned in 82 places in the Holy Qur'an, but millions of Muslims around the world do not realize its importance.

Hence they do not pay it and as a result, the number of poor and needy in the Muslim world increases every day. The World Zakat Fund (WZF) being set up by The BMB Group is an attempt to collect and distribute Zakat in an organized manner making use of modern management techniques.

This is an initiative of the Malaysian government which has set up an International Zakat Organization (IZO),” said Humayon Dar, CEO of BMB Islamic, a London-based Shariah advisory and structuring firm.

The World Zakat Fund initiative follows a resolution from Malaysia to set up an organization for alleviating poverty with Zakat,” he told Arab News.

He said the fund would eventually be under the OIC (Organization of the Islamic Conference). “We have been given a mandate by the Malaysian government to set up the WZF, raise money for it and manage it,” he said. “The WZF will have a regional fund based in Bahrain. We selected Bahrain because the real Zakat money is in this part of the world,” he said. “We hope the project will contribute significantly to poverty-alleviation in OIC countries,” Dar said. “We are attempting to take Zakat from the national to the global scene. By doing so, we hope that Zakat will play a major role in the redistribution of income and alleviation of poverty.”

The first phase depends on OIC governments’ support but bureaucratic procedures may make government funds difficult to access. “We have support from a number of OIC governments but in other countries, if we request a share of Zakat money, it may take five years because of bureaucratic hurdles,” he said. “There are about 400,000 high net worth individuals in the Middle East and North Africa, including non-Muslims,” he said quoting well-researched figures. High net worth individuals have a minimum of $1 million in liquidity.

“If we have 200,000 high net worth Muslim individuals and get 2.5 percent of their wealth ($200 billion) as Zakat, we can raise $5 billion,” he said. “This is from only one source,” he said. Among these high net worth individuals are 400 billionaires who represent another major source of Zakat funds. Dar believes that a global Zakat collection and distribution platform would have a great impact. “If 200 million of 1.5-1.7 billion Muslims around the world have Zakat money and if they pay an average of $10 annually to WZF, we could have a fund of $2 billion,” he said.

Dar said 35 percent of the fund raised would be used for immediate consumption, emergency and relief and would be partly managed and disbursed by IZO. The remaining 65 percent would be managed by BMB. The target size of the fund for the first year is $750 million, which is expected to grow to $10 billion in 10 years. “The distinguishing feature of WZF is that it manages Zakat, for the first time, in a sustainable way ensuring growth and continuity,” the CEO said.

A part of the Zakat is used for its beneficiaries while the rest is invested for their future benefit. “According to conservative views, Zakat money collected in one year should be disbursed immediately. Our view is that Zakat money should be used in a sustainable way.” He said leading Shariah scholars had endorsed WZF’s investment strategy. “We don’t want to deviate entirely from the classical view. We have decided to allocate 35 percent of money collected for projects that are ready for immediate consumption and relief. He said the Zakat money would be invested in profitable ventures. About 20 percent of available funds would be invested in liquid assets and Shariah-compliant global equities while the rest would be set aside for Shariah-compliant microfinance and micro-private equity. “Most Shariah scholars we have talked to feel comfortable with our plan.” Dar said the WZF would also accept funds other than Zakat. “We’ll be very happy to receive money from the solidarity fund of the Islamic Development Bank (IDB) or any other funds.”

He said the WZF would focus on OIC countries and he believes that poor African countries should get the lion’s share. Dar emphasized the importance of managing Zakat by an expert group on behalf of its beneficiaries. “If we give the money to the poor, they will spend it quickly but systematic management of their funds would make them rich and payers of Zakat one day. When people see examples of our work, they will trust us. When Imran Khan began collecting money for his cancer hospital, many thought he would not be successful and were reluctant to give. After he set up the hospital, however, people started pouring money in, knowing that he was doing a fine job. People will give but you have to prove that you are capable and trustworthy. This is a big challenge and we are ready to accept it.” He said the WZF and IZO would work in a regulatory environment.

The BMB Zakat Management will be regulated by financial regulators in Malaysia while WZF will be regulated by each country’s regulators. It will be monitored by a council of trustees, comprising representatives of the heads of state of OIC countries, the board of directors and the International Advisory Board as well as internal and external auditors. “Thus, we have a multi-layer monitoring system to ensure that everything is in order and in compliance with Shariah and other regulations,” he explained.


source : www.Islamonline.com

Indonesian Waqf Transformation

Waqf is one of social service through the issuance of the property is very important in Islam. Waqf is a religious treasure that is realized in the form of fixed assets or the value of the benefit in the long term. In the glories of Islamic history, waqf have become one of the cantilever dynamics of Muslim life. Waqf in the past generally functioned to support the provision of social facilities and public facilities for the community.

Various social facilities and public facilities has filled many of the waqf property. Buildings and places such as mosques, Islamic schools, boarding schools, nursing orphans, graves, fields, and roads are examples of community needs that come from waqf. To meet the availability of these waqf, the community generally give waqf in the form of land, buildings, or money used to purchase / provide land, buildings or equipment for the public benefit. All of waqf management scheme described above is the pattern of conventional management of waqf.

Namely the social-oriented management of waqf, because the use of waqf for public purposes or public interests directly. In the conventional management model waqf this happens the cost to the operational management needs of fund everyday to be subsidized from other funds (such as infaq and alms). In the model of social-conventional management of waqf is not the case process and economic benefits of asset waqf. The second transformation in the management of waqf is when there is development of cash waqf (Cash Waqf popularized by MA Mannan with his Social Investmen bank is well known in Bangladesh. In Indonesia Cash Waqf then used the term money waqf, it is the collection of charitable efforts in the form of money which was subsequently stored in the Islamic financial institutions (such as Sharia banks, Baitul Maal wa Tamwil, sharia micro finance) which is generally stored in form of deposits.

The investment income from the deposit is then used to finance social activities, such as helping poor people, subsidies to operational mosque or islamic boarding school. In this development, the waqf of money has also been utilizing a broader monetary sector for investment. Besides the bank, investing in sharia mutual funds, Islamic bonds, Islamic stock markets, and other Islamic monetary sectors. Of course all the basic requirements for charitable transactions, namely that the principal waqf should not be lost, always used as reference in charitable investments in the monetary sector.

In the next transformation, the management of waqf also entered the productive phase. In the model of productive waqf, asset waqf are for the provision of commercial assets that produce revenue or profits. To further revenue or profit is used to finance activities providing education in a school, health services in hospitals or medical clinics, providing food assistance to refugees, orphans, or to help the poor.

As for assets that were pledged as waqf investments include office, kiosks, markets, parking lots, factories, plantations, trees and perennials that produce many more. In the past, probably a lot of investment in productive waqf are not yet practiced. Now, in addition to this useful productive asset waqf generate revenues or profits for social purposes, as well as create new jobs for the community. Waqf have multiple benefits of productive, that is flowing to waqf donors reward. shaping employment through business activities and generate income in order to subsidize social activities. All of this transformation, has been and is being undertaken by Tabung Waqf Indonesia (TW1) as an organization under the management of Dompet Dhuafa the past five years continue to rip off the power of waqf in the community. TWI with other actors waqf in Indonesia trying to implement as one of the economic potential of communities that have religious and social dimensions as well.

Transformasi Wakaf Indonesia

Wakaf adalah salah satu ibadah sosial melalui pengeluaran harta yang sangat penting dalam ajaran Islam. Wakaf merupakan ibadah harta yang diwujudkan dalam bentuk fix asset atau yang nilai manfaatnya dalam jangka panjang. Dalam sejarah kegemilangan Islam, wakaf pernah menjadi salah satu bagian penopang dinamika kehidupan umat Islam. Wakaf pada masa lalu umumnya berfungsi mendukung penyediaan fasilitas sosial (fasos) dan fasilitas umum (fasum) bagi masyarakat.

Berbagai fasos dan fasum telah banyak yang dipenuhi dari aset wakaf. Bangunan dan tempat seperti masjid, madrasah, pesantren, panti anak yatim, kuburan, lapangan, dan jalan adalah contoh keperluan masyarakat yang berasal dan wakaf. Untuk memenuhi ketersediaan wakaf ini, masyarakat umumnya berwakaf dalam bentuk tanah, bangunan, atau uang yang digunakan untuk membeli/menyediakan tanah, bangunan atau peralatan bagi kepentingan publik.Semua pola pengelolaan wakaf seperti disebut di atas adalah pola pengelolaan wakaf konvensional.

Yaitu pengelolaan wakaf yang berorientasi sosial, karena penggunaan wakaf untuk keperluan masyarakat atau kepentingan publik secara langsung. Pada model pengelolaan wakaf konvensional ini terjadi kebutuhan biaya untuk pengelolaan operasional asset wakaf sehari-hari yang harus disubsidi dah dana lain (seperti infak dan sedekah). Pada model pengelolaan wakaf sosial-konvensional ini tidak terjadi proses dan manfaat ekonomi atas asset wakaf. Transformasi kedua dalam pengelolaan wakaf adalah ketika terjadi pengembangan wakaf tunai {Cash Waqfi yang dipopulerkan oleh MA Mannan dengan Social Investmen Banknya yang terkenal di Bangladesh. Di Indonesia Cash Waqf ini kemudian digunakan istilah Wakaf Uang, yaitu upaya pengumpulan wakaf dalam bentuk uang yang selanjutnya disimpan di lembaga keuangan syariah (seperti bank umum syariah, BPRS, dan BMT), yang umumnya disimpan dalam bentuk deposito.

Hasil investasi dari deposito ini kemudian digunakan untuk membiayai kegiatan sosial, seperti membantu orang-orang miskin, membiayai operasional, masjid atau opera-sional pesantren.Dalam perkembangannya, wakaf uang ini juga telah memanfaatkan sektor moneter yang lebih luas untuk investasinya. Selain di bank, investasi juga dilakukan di reksadana syanah, obligasi syariah, pasar saham syariah, dan sektor moneter syariah lainnya. Tentu saja semua persyaratan mendasar transaksi wakaf, yaitu bahwa pokok wakaf tidak boleh hilang, selalu dijadikan sebagai acuan dalam investasi wakaf di sektor moneter.

Pada transformasi selanjutnya, pengelolaan wakaf juga memasuki tahap wakaf produktif. Pada model wakaf produktif, asset wakaf diperuntukkan bagi penyediaan asset komersial yang menghasilkan pendapatan atau keuntungan. Untuk selanjutnya hasil pendapatan atau keuntungan ini digunakan untuk membiayai kegiatan penyelenggaraan pendidikan di sebuah sekolah, pelayanan kesehatan di rumah sakit atau klinik pengobatan, pemberian bantuan makanan bagi para pengungsi, atau untuk menyantuni yatim piatu.

Adapun asset wakaf yang dijadikan sebagai investasi wakaf antara lain adalah ruko, kios, pasar, area parkir, pabrik, lahan perkebunan, pohon tanaman keras yang menghasilkan dan masih banyak lainnya. Pada masa lalu mungkin banyak investasi wakaf produktif ini yang belum dipraktekkan. Kini, selain asset wakaf produktif ini berguna menghasilkan pendapatan atau keuntungan untuk kepentingan sosial, juga membuka lapangan kerja baru bagi masyarakat. Wakaf produktif memiliki multi manfaat, yaitu mengalirkan pahala kepada pewakaf. memben pekerjaan melalui kegiatan usaha dan mendatangkan pendapatan dalam rangka mensubsidi kegiatan sosial. Semua transformasi ini, sudah dan sedang dijalani oleh Tabung Wakaf Indonesia (TW1) sebagai organ pengelolaan wakaf dalam naungan Dompet Dhuafa yang selama lima tahun ini terus meretas kekuatan wakaf di tengah masyarakat. TWI bersama pelaku wakaf lainnya di Indonesia berusaha membumikan wakaf sebagai salah satu potensi ekonomi masyarakat yang memiliki dimensi ibadah dan sosial sekaligus.

Indonesian Zakat Synergy

One of the dreams many people in Indonesia do is watch the synergy of zakat in Indonesia can be realized in a real. The numerous issues facing poverty, accompanied by the number of zakat organization in Indonesia raises hopes achieving better synergies. Hope was also concern on the synergy of the desire to manage the zakat in Indonesia requires above synergy between government and society a more solid again. Government and society no longer necessary for dichotomy in need equally involved manage zakat in Indonesia.

The importance of synergy is in order to concentrate its potential power for one interest or a common goal, to avoid overlapping programs run by each of Zakat Organization (OZ), utilizing the advantages of one hand to cover a weakness in others and create fabric and sustainability programs through the involvement of various OZ.

Type of synergy that might be realized are: 1) Synergy Strategic Interests Ummah, which is a synergy in order to finance and organize a unit of social activities that are considered strategic to the people of a certain time period, such as schools, hospitals, libraries, etc. 2) Synergy Programme Division, which is a synergy to implement a similar program areas such as education or health. In this type of synergy, OZ-who have the desire involved in the same field are expected to come together and appoint a coordinator for his area in order to implement the program. 3) geographical synergies, the synergies for implementing a program of utilization of Zakat in a region or regions. OZ-existing in one area together to harness synergies in order to overcome poverty and charity in their area of activity. 4) Synergy regional and international organizations, namely the campaigners of zakat in Indonesia should jointly pursue the realization of synergies zakat on regional and international levels. Zakat activists in Indonesia, together with activists from other countries to do charity, optimizing the utilization of zakat in order to reduce the inequality of poverty between countries, at least in the event of major disasters that befall a country.

The levels of synergy, at least can make zakat activists: Information Synergy, which is a synergy at the level to collect and gather information or data to then be processed and utilized together in order implementation of the program or service to all parties. The shape is another level of synergy Synergy Program, which is cooperating in the implementation of the program, especially in the context of the distribution or utilization of zakat to mustahik.

To realize the synergy of efforts, the Forum Zakat (Foz) as associate manager of zakat organizations throughout Indonesia that raise has conducted various activities in Indonesia synergy charity programs. In addition to various pilot programs that have been done synergy in the past, the last common synergy program undertaken after the earthquake is synergy, namely mosque building in the Tasikmalaya and construction of schools in Padang. Both programs are funded jointly by the members of the Foz.

Synergy with OZ in order to help the people who are experiencing difficulties have proved that all OPZ has the same desire in order to build unity, to realize the power of charity, Indonesia and participate fully engaged in accelerating the contribution of zakat in helping overcome poverty.

Sinergi Zakat Indonesia

Salah satu mimpi banyak orang di Indonesia adalah menyaksikan sinergi zakat di Indonesia dapat terwujud secara nyata. Banyaknya permasalahan kemiskinan yang dihadapi , disertai dengan banyaknya pengelola zakat di Indonesia menimbulkan harapan pencapaian sinergi yang lebih baik. Harapan sinergi itu juga tertuju pada keinginan agar pengelolaan zakat di Indonesia meniscayakan sinergi antara pemerintah dan masyarakat yang lebih solid lagi. Pemerintah dan masyarakat tidak perlu lagi didikotomikan dalam keperluannya untuk sama-sama terlibat mengelola zakat di Indonesia.

Pentingnya sinergi adalah dalam rangka mengkonsentrasikan potensi kekuatan untuk satu kepentingan atau satu tujuan bersama, menghindari tumpang tindih program yang dijalankan oleh masing-masing Organisasi Pengelola Zakat (OPZ), memanfaatkan kelebihan dari satu pihak untuk menutupi kelemahan pada pihak lain dan menciptakan jalinan serta keberlanjutan program melalui keterlibatan aneka OPZ.

Jenis sinergi yang mungkin diwujudkan adalah : 1) Sinergi Kepentingan Strategis Umat, yaitu sinergi dalam rangka membiayai dan menyelenggarakan sebuah unit aktivitas sosial umat yang dianggap strategis pada periode waktu tertentu, seperti sekolah, rumah sakit, perpustakaan dan sebagainya. 2) Sinergi Bidang Program, yaitu sinergi untuk melaksanakan satu bidang program yang sama seperti bidang pendidikan atau kesehatan. Pada jenis sinergi ini, OPZ-OPZ yang memiliki keinginan terlibat pada satu bidang yang sama diharapkan untuk berhimpun dan menunjuk koordinator untuk bidangnya dalam rangka melaksanakan program. 3) Sinergi geografis, yaitu sinergi untuk melaksanakan sebuah program pendayagunaan zakat di suatu wilayah atau daerah. OPZ-OPZ yang ada di satu wilayah bersama-sama melakukan sinergi dalam rangka mendayagunakan zakat dan mengatasi kemiskinan di wilayah mereka beraktivitas. 4) Sinergi regional dan internasional, yaitu para pegiat zakat di Indonesia harus secara bersama-sama mengupayakan terwujudnya sinergi zakat di tingkat regional dan internasional. Pegiat zakat di Indonesia bersama-sama dengan pegiat zakat dari negara lain melakukan optimalisasi pemanfaatan zakat dalam rangka mengurangi ketimpangan kemiskinan antar negara, minimal pada saat terjadi bencana besar yang menimpa suatu negara.

Dalam tingkatan sinergi, sekurang-kurangnya pegiat zakat dapat melakukan : Sinergi Informasi, yaitu sinergi pada tingkatan mengumpulkan dan menghimpun informasi atau data untuk kemudian diolah dan dimanfaatkan secara bersama dalam rangka pelaksanaan program atau pelayanan kepada semua pihak. Adapun bentuk tingkatan sinergi lain adalah Sinergi Program, yaitu melakukan kerjasama dalam pelaksanaan program , terutama dalam rangka penyaluran atau pendayagunaan zakat kepada mustahik.

Untuk mewujudkan upaya sinergi tersebut, Forum Zakat (FOZ) sebagai asosiasi organisasi pengelola zakat se-Indonesia yang menghimpun Badan Amil Zakat (BAZ) dan Lembaga Amil Zakat (LAZ) telah melakukan berbagai kegiatan sinergi program zakat di Indonesia. Selain berbagai rintisan program sinergi yang telah dilakukan pada masa lalu, program sinergi bersama terakhir yang dilakukan adalah sinergi pasca gempa, yaitu pembangunanan masjid di Tasikmalaya dan pembangunan sekolah di Padang. Kedua program tersebut dibiayai secara bersama-sama oleh OPZ yang menjadi angggota FOZ.

Sinergi bersama OPZ dalam rangka membantu masyarakat yang sedang mengalami kesulitan telah membuktikan bahwa semua OPZ memiliki keinginan yang sama dalam rangka membangun kebersamaan, mewujudkan kekuatan zakat Indonesia dan terlibat penuh dalam turut serta mempercepat kontribusi zakat dalam membantu mengatasi kemiskinan.

from domestic helper becomes employer

Currently more than 125,000 Indonesian women become migrant workers in Hong Kong. The kind of work as a Domestic Helper or housemaid. Profession as a domestic Helper was willing to be lived as the seductive promises of income for the many people of Indonesia. Minimum wage as a Domestic Helper in Hong Kong today is HK$ 3,580 or equivalent to IDR 3.9 million.

For many women from the grassroots, wage rates are almost equivalent to IDR 4 million, it felt very much. If the previous time in Indonesia, the women were living with sorrow, after the Hong Kong, they feel a person can afford. The money flowing for various purposes. From start shopping for clothes, cosmetics, household needs, to buy electronic goods. For those who are unable to manage, the money works out to spending only a moment for your enjoyment. For some of the concern and care, the money was used to help families in Indonesia and the rest is saved.

Imperceptibly, a lot of Indonesian Workers in Hong Kong who have undergone more than 10 years of work. Many of those workers who actually wanted to go home to Indonesia and ended the job as a Domestic Helper in Hong Kong. But the temptation to accept a fair salary, making them chained in households occupied by their employer. Many migrant workers who return home to Indonesia from Hong Kong, but when he got back home, not knowing what should work. Eventually, the savings work out well in Hong Kong. Comes the temptation to return to work in Hong Kong as domestic helpers.

Almost all the workers on his way to Hong Kong to think that the profession is only temporary. On one day they want returned to Indonesia and live better. But in course of time, many workers who ultimately do not have good planning and management. Be ultimately they undergo cycles: unemployed - become migrant workers - are unemployed again - to become overseas workers again, and so on,

Understanding these conditions, Dompet Dhuafa (DD) along with several organizations involved migrant workers in Hong Kong and economic partners in Indonesia to facilitate the program for realizing the independence of workers. The definition of independence is a condition where the migrant workers coming home from Hong Kong will be able to live in economically secure enough to sustain life. The program includes awareness and socialization in personal financial management, job skills training, entrepreneurship development and halal investment guidance, safe and profitable as an investor.

Many of the workers who now began to pioneer and develop business in Indonesia. Part of this effort is managed by a family worker or a trusted partner in Indonesia. Some others began putting their money in various investments for the establishment and development of Islamic financial institutions which proved profitable. Now some workers have become investors in the establishment and development of the Baitul Mal wa Tamwil (Islamic micro finance).

If all workers independence pioneering program is running well, then the worker will be able to live a better life in Hong Kong after the full task. This success will also bring changes in workers from auxiliary to the employer.

Dari Pembantu Menjadi Majikan

Saat ini lebih dari 125.000 wanita Indonesia menjadi pekerja migran di Hongkong. Jenis pekerjaan yang dijalaninya adalah sebagai Domestic Helper, alias pembantu rumah tangga. Profesi sebagai pembantu rumah tangga ini rela dijalani karena menjanjikan balas jasa yang menggiurkan bagi banyak penduduk Indonesia. Gaji minimal sebagai Domestic Helper di Hongkong saat ini adalah HK$ 3580 atau setara dengan Rp 3,9 juta.

Bagi banyak wanita dari kalangan masyarakat bawah, angka upah yang nyaris setara Rp 4 juta itu terasa sangat banyak. Jika sebelumnya saat di Indonesia, perempuan-perempuan tersebut hidup dengan kesusahan, setelah di Hong Kong, mereka merasa menjadi orang yang mampu. Mengalirlah uang tersebut untuk berbagai keperluan. Dari mulai belanja baju, kosmetik, keperluan rumah tangga, sampai membeli barang elektronik. Bagi yang tidak mampu mengelola, uang hasil bekerja itu hanya habis untuk belanja sesaat untuk kesenangan. Bagi sebagian yang prihatin dan peduli, uang itu digunakan untuk membantu keluarga di Indonesia dan sisanya ditabung.

Tanpa terasa, banyak di antara Tenaga Kerja Indonesia (TKI) di Hongkong yang sudah menjalani kerja lebih dari 10 tahun. Banyak di antara TKI tersebut yang sesunguhnya ingin pulang ke Indonesia dan mengakhiri tugas sebagai Domestic Helper di Hongkong. Akan tetapi godaan untuk menerima gaji yang lumayan itu, membuat mereka terpasung di rumah tangga yang dihuni para majikan mereka. Banyak juga TKI asal Hongkong yang kembali ke Indonesia, namun sesampainya di kampung halaman, tidak tahu harus bekerja apa. Lama kelamaan uang simpanan hasil bekerja di Hongkong habis juga. Muncullah godaan untuk kembali bekerja di Hongkong sebagai pembantu rumah tangga.

Hampir semua TKI pada saat berangkat ke Hongkong berpikir bahwa profesi yang dijalaninya hanyalah sementara. Pada suatu hari mereka ingin kembali ke Indonesia dan hidup lebih baik. Namun dalam perjalanan waktu, banyak TKI yang akhirnya tidak memiliki perencanaan dan pengelolaan yang baik. Jadilah akhirnya mereka menjalani siklus : menganggur - menjadi TKI - menganggur lagi - menjadi TKI lagi, begitu seterusnya.

Memahami kondisi tersebut, Dompet Dhuafa (DD) bersama beberapa organisasi TKI di Hongkong dan melibatkan mitra ekonomi di Indonesia memfasilitasi program guna mewujudkan kemandirian TKI. Yang dimaksud kemandirian adalah sebuah kondisi dimana para TKI sepulang dari Hongkong akan mampu hidup dalam kondisi ekonomi yang cukup aman untuk menopang kehidupannya. Program tersebut meliputi penyadaran dan sosialisasi dalam pengelolaan keuangan pribadi, pelatihan keterampilan kerja, pengembangan kewirausahaan dan bimbingan berinvestasi yang halal, aman serta menguntungkan sebagai investor.

Banyak di antara TKI yang kini mulai merintis dan mengembangkan usaha di Indonesia. Sebagian usaha ini dikelola oleh keluarga TKI atau mitra terpercaya di Indonesia. Sebagian yang lain mulai menanamkan uangnya dalam berbagai investasi untuk pendirian dan pengembangan lembaga keuangan syariah yang terbukti menguntungkan. Kini sebagian TKI telah menjadi investor dalam pendirian dan pengembangan usaha Baitul Mal wa Tamwil.

Jika semua program perintisan kemandirian TKI ini berjalan dengan baik, maka TKI akan mampu hidup lebih baik pasca purna tugas di Hongkong. Keberhasilan ini juga akan mengantarkan perubahan TKI dari pembantu menjadi majikan.

Major of Zakat

In Indonesia there are many Head of districs and mayors who care zakat. The head of district administration and the city has a greater interest in zakat affairs. One of them was the Mayor of Padang (West Sumatera), Fauzi Bahar. He cares not for alms 7.9 Richter scale earthquake which occurred on 30 September 2009 last. Long before the earthquake, the Mayor of Padang has done a lot for the development of zakat in Padang.


He on many occasions called on people to give to zakat. The call is increasingly emphasized to Padang Goverment employees. To support zakat redemption as a good habit that should be done, then by Mr. Fauzi Bahar used as a redemption due consideration variable employee performance appraisal Padang City Goverment. If pay zakat judged good, otherwise when not pay, then the performance will be judged low and can make bad performance assessed.


When motivating employees tithe before Pemko Padang, he explained that anyone who does not tithe will lose, because if they do not tithe, then often times the money will also be gone. Money that try restraint or avoided spending Zakah will usually also been used for various purposes that are not clear. Even the money was gone sometimes squandered for purposes that are not useful. Money should have a good deed can be a good opportunity to tithe, the end can not be utilized well, even the money and then run out to the various purposes that may not be useful.


In addition to tithe often deliver an appeal to the community, especially the civil servants Pemko Padang, Fauzi also supports Padang Zakat Organization with various support Padang zakat organization performance continues to increase. Whether the policy support, and with the support of facilities and resources. Mr. Fauzi also pioneered the provision of zakat payment facility at ATM machines Bank Nagari (Bank of West Sumatera Region). Candidates go live muzakki ATM machine locations Bank Nagari, with a little push the button, then the zakat has paid.


With every step and his efforts in developing zakat in Padang, it is not surprising that the set of zakat funds collected Padang zakat organization shows the fantastical figures. If in the year 2008, Padang Zakat organization able to collect zakat Rp 2.4 billion, then in the year 2009 and revenues achieved due Padang zakat organization was Rp 10.003 billion. This shows that in one year, Padang zakat organization has been able to improve the collection of funds by 316 percent. Union achievements USD 10.003 billion fund is also the highest achievement level Zakat organization district level / City in Indonesia at this time.


Currently he is also preparing measures in order to intensify the collection of zakat among wealthy people in Padang. In the days to come he would send officers to comb the houses of the rich in order to remind them to tithe. He also is considering to start improving the collection of alms in a way to mobilize coin donation. There are many other steps that will he do in order to improve the collection of zakat funds in Padang. With all that has been achieved and what will be done, it is worth if we call him Mayor of Zakat.

Walikota Zakat

Di Indonesia ada banyak Bupati dan Walikota yang peduli zakat. Para kepala pemerintahan kabupaten dan kota ini memiliki perhatian yang lebih dalam urusan zakat. Satu di antaranya adalah Walikota Padang, Bapak Fauzi Bahar. Beliau peduli zakat bukan karena terjadinya gempa 7,9 SR yang terjadi pada tanggal 30 September 2009 lalu. Jauh sebelum terjadinya gempa tersebut, Walikota Padang sudah melakukan banyak hal untuk pengembangan zakat di Padang.


Beliau dalam banyak kesempatan menghimbau masyarakat untuk menunaikan zakat. Himbauan tersebut semakin ditekankan bagi para pegawai Pemko Padang. Untuk mendukung penunaian zakat sebagai kebiasaan baik yang harus terus dilakukan, maka oleh Pak Fauzi Bahar penunaian zakat dijadikan sebagai variabel pertimbangan penilaian kinerja pegawai Pemko Padang. Jika membayar zakat dinilai baik, sebaliknya manakala tidak berzakat, maka kinerjanya akan dinilai rendah dan dapat membuat konditenya dinilai buruk.


Ketika memotivasi berzakat di hadapan pegawai Pemko Padang, beliau menjelaskan bahwa siapa saja yang tidak berzakat akan rugi, karena kalaupun tidak berzakat, maka sering kali uangnya juga akan habis. Uang yang coba ditahan-tahan atau dihindarkan pengeluaran zakatnya itu biasanya juga akan habis dipakai untuk berbagai keperluan yang tidak jelas. Bahkan kadang uangnya habis disia-siakan untuk keperluan yang tidak bermanfaat. Harusnya uang yang dimiliki dapat menjadi kesempatan beramal baik dengan berzakat, akhirnya tidak dapat dimanfaatkan dengan baik, bahkan uangnya kemudian habis untuk berbagai keperluan yang mungkin tidak berguna.


Selain sering menyampaikan imbauan berzakat kepada masyarakat, khususnya kepada PNS Pemko Padang, Pak Fauzi juga mendukung BAZ Padang dengan berbagai dukungan agar kinerja BAZ Padang terus meningkat. Baik dengan dukungan kebijakan, maupun dengan dukungan fasilitas dan sumber daya. Pak Fauzi juga memelopori penyediaan fasilitas pembayaran zakat di mesin ATM Bank Nagari (Bank Pembangunan Daerah Sumatera Barat). Calon muzakki tinggal mendatangi lokasi mesin ATM Bank Nagari, dengan pencet-pencet sedikit tombol yang ada, maka zakat sudah tertunaikan.


Dengan segala langkah dan upaya beliau dalam mengembangkan zakat di Padang, maka tidak heran apabila himpunan dana zakat yang berhasil dikumpulkan BAZ Padang menunjukkan angka yang fantastis. Jika pada tahun 2008, BAZ Padang mampu mengumpulkan zakat sebesar Rp 2,4 miliar, maka pada tahun 2009 lalu penerimaan zakat yang dicapai BAZ Padang adalah sebesar Rp 10,003 miliar. Ini menunjukkan bahwa dalam satu tahun, BAZ Padang telah mampu meningkatkan penghimpunan dana sebesar 316 persen. Capaian penghimpunan dana Rp 10,003 miliar juga merupakan prestasi tertinggi BAZ tingkat Kabupaten/Kota di seluruh Indonesia pada saat ini.


Saat ini beliau juga sedang menyiapkan langkah dalam rangka mengintensifkan pemungutan zakat di kalangan orang-orang kaya di Padang. Pada waktu yang akan datang beliau akan mengirimkan petugas untuk menyisir rumah-rumah orang kaya dalam rangka mengingatkan mereka untuk berzakat. Beliau pun sedang mempertimbangkan untuk mulai meningkatkan pengumpulan sedekah dengan cara menggalang koin sumbangan. Masih banyak langkah-langkah lain yang akan beliau lakukan dalam rangka meningkatkan penghimpunan dana zakat di Padang. Dengan segala yang telah dicapai dan apa yang akan dilakukan, pantaslah jika beliau kita sebut Walikota Zakat.[]

World Class Zakat Organization

Probably never imagined in the past, that the zakat organization (ZO) will eventually become world-class player. ZO is generally initiated with simplicity and without knowing about where anchored destination, is now finally emerging as an entity to be reckoned with. Their work slowly through the local level, plays a role in the national arena, and finally to the participation at the international level.

Various efforts were made in the development of ZO, the charity began distributing aid, the provision and management of facilities / infrastructure, general social, to the policy advocacy for pro-poor. From the starting model and knock doors donate mailing invitations, do a mass campaign directly, to the use of electronic media, sms donations and transaction services for the convenience of Internet banking charity. From the start a simple financial records, improving the welfare of personnel management, auditing and operational responsibility, until the application of quality management.

ZO gait has now entered a new phase to be a World Class Organization (WCO). This is an organizational stage to become a world-class organization. WCO is a recognized rating organization has reached global standards. Various international level compliance has been met by the WCO. WCO is an institution capable of line with other international organizations from various regions of the world.

Several elements must be fulfilled by the WCO is to have the pursuit of activities in the international rankings, has representatives or affiliates in several countries, have standards compliance (certification) as the management of world-class organization, competent management personnel and a world-class governance organizations (Good Organization Governance / GOG) quality known in the world.

WCO is required to always bear brilliant and visionary work in the context of human civilization to create changes. WCO is also expected to take full creative and breakthrough to awaken consciousness of mankind. WCO also be expected to bear the impact of strategic contributions in the area of international human fabric.
At the end of perfection as the WCO is also largely determined by the extent of suffering to care community organizations, politeness in serving the small people, the sacrifices in helping organizations and defend the oppressed, and always humble in the frame of interaction with the multi-stakeholder.

If all continues to clean itself ZO and strengthen the capacity of the organization, then realizing the world-class Zakat Organization is a necessity that will happen. Not only the business enterprise can be a WCO, but also Zakat Organization. Welcome Zakat Organization World Class!

World Class Organization

Mungkin tak pernah terbayangkan pada masa lalu, bahwa organisasi pengelola zakat (OPZ) pada akhirnya akan menjadi pemain kelas dunia. OPZ yang umumnya dirintis dengan kesederhanaan dan tanpa tahu hendak kemana dilabuhkan tujuan, akhirnya kini bermunculan sebagai entitas yang patut diperhitungkan. Melewati kiprahnya secara perlahan di tingkat lokal, memainkan peran dalam kancah nasional, dan akhirnya sampai pada partisipasi di tingkat internasional.

Berbagai upaya dilakukan dalam pengembangan OPZ, dari mulai penyaluran bantuan karitatif, penyediaan dan pengelolaan sarana / prasarana sosial umum, sampai kepada advokasi kebijakan untuk memihak rakyat miskin. Dari mulai model ketok pintu dan pengiriman surat ajakan berdonasi, melakukan kampanye massal secara langsung, sampai penggunaan media elektronik, sms donasi dan pelayanan transaksi internet banking untuk kemudahan berderma. Dari mulai pencatatan keuangan sederhana, perbaikan kesejahteraan personil pengelola, audit dan pertanggung jawaban operasional, sampai kepada penerapan manajemen berkualitas.

Kiprah OPZ kini telah memasuki babak baru untuk menjadi World Class Organization (WCO). Ini adalah sebuah tahapan organisasi untuk menjadi organisasi kelas dunia. WCO adalah peringkat organisasi yang diakui telah mencapai standar global. Berbagai pemenuhan persyaratan level internasional telah dipenuhi oleh WCO. Sebuah WCO adalah insitusi yang mampu disejajarkan dengan berbagai organisasi tingkat internasional dari berbagai kawasan dunia lainnya.

Beberapa unsur yang harus dipenuhi oleh WCO adalah memiliki kiprah kegiatan di peringkat internasional, memiliki perwakilan atau afiliasi di beberapa negara, memiliki pemenuhan standar (sertifikasi) manajemen sebagai organisasi kelas dunia, memiliki kompetensi personil pengelola berkelas dunia dan memiliki tata kelola organisasi (Good Organization Governance/ GOG) bermutu yang dikenal di dunia.
WCO dituntut untuk senantiasa melahirkan karya brilian dan visioner dalam rangka mengarsiteki perubahan peradaban manusia. WCO juga diharapkan mampu mengambil langkah kreatif dan penuh terobosan untuk membangunkan kesadaran umat manusia. Pun WCO dinantikan dapat melahirkan kontribusi strategis yang berdampak luas dalam jalinan manusia antarbangsa.

Pada akhirnya kesempurnaan sebagai WCO juga sangat ditentukan oleh sejauhmana keterpanggilan organisasi atas penderitaan masyarakat, kesantunan dalam melayani orang kecil, pengorbanan organisasi dalam membantu dan membela orang-orang tertindas, serta senantiasa rendah hati dalam bingkai interaksi dengan multi pemangku kepentingan.

Jika semua OPZ terus berbenah diri dan memperkuat kapasitas organisasinya, maka terwujunya OPZ berkelas dunia adalah keniscayaan yang akan terjadi. Bukan hanya perusahaan bisnis yang bisa menjadi WCO, tetapi juga OPZ. Selamat Datang Organisasi Zakat Kelas Dunia !

The Pain of Poor

Sofyan was young, he was barely 23 years old. He should be let out her last breath after the struggle against diebetes mellitus. Illness during the last two years is only minimally treated. Not do not want to Sofyan and his family was treated with a vengeance, but the high cost of treatment, making Sofyan families must count carefully and save. When he was not very severe, diabetes mellitus Sofyan suffered enough mixture is treated with drugs that made their own. Even on his deathbed were, Sofyan only handled by a midwife at home.

Sofyan just a young high school graduates. Works odd jobs, just to cope with the burden that is not idle. Sofyan said the eldest of three brothers. Sofyan's father had died several years ago. While his mother just selling food in front of the house to patch the purposes of everyday life. Every time should be and in-patient treatment in hospital, his mother was forced to borrow money to cover costs. If the longer Sofyan hospitalized, the more loans that must be borne Sofyan family. For families Sofyan, pain is going to deeper poverty.

Sofyan's family story is the description of many families in Indonesia. Many families living just above the poverty line could fall into the abyss of poverty, when there are family members who fell seriously ill. Expensive medical costs, both for the doctor's examination, drug costs, and hospital services to anyone who is poor category will fall into a deeper hole in the valley of poverty. Slogan for free medical treatment costs, especially for poor families, is still limited to ornaments in political campaigns, especially as a speech and local governments.

Until now, this is not enough strong evidence that every poor person will actually be served free of all forms of service (check doctors, medicine, surgery, hospitalization, services, and medical purposes) in government hospitals. There is only excuse for not providing a complete free service to the poor. And we all know that when poor people are asked to pay medical expenses for illness, then they certainly will not be able to.

During the provision of health insurance problems of the poor have not been resolved, do not expect the poverty rate would drop close to zero. Treatment costs to be borne by many families and the poor would almost be an important factor in poverty perch in the two-digit level. With the persistence of poverty rates above 10%, then we still have to watch people suffer poverty as a result of treatment burden problem.

We may have seen someone who was floundering in pain because of lack of blood becomes more ill, because the transfused blood will not be able to price it paid. We had probably never heard of having a cancer in his head, fell on the floor because sharply rejected by hospital officials, just because it does not have enough money as a guarantee of treatment. The pain suffered by poor families getting hurt, while knowing that they can not afford the cost of treating illness.

Sakitnya Miskin

Sofyan masih muda, usianya baru menginjak 23 tahun. Ia harus mengembuskan napasnya yang terakhir setelah berjuang melawan diebetes mellitus. Penyakit yang diderita selama dua tahun terakhir ini hanya diobati sekadarnya. Bukan tak ingin Sofyan dan keluarganya berobat dengan sepenuh hati, tapi mahalnya biaya pengobatan, membuat keluarga Sofyan harus berhitung cermat dan menghemat. Kalau tidak sedang sangat parah, penyakit diabetes mellitus yang diderita Sofyan cukup diobati dengan ramuan obat-obatan yang dibuat sendiri. Bahkan menjelang ajalnya pun, Sofyan cuma ditangani oleh seorang bidan dekat rumah.

Sofyan hanya seorang pemuda lulusan SMA. Kerjanya serabutan, sekadar mengatasi beban agar tidak menganggur. Sofyan anak sulung dari tiga bersaudara. Ayah Sofyan telah meninggal dunia beberapa tahun silam. Sementara ibunya hanya berjualan makanan di depan rumah untuk menambal keperluan hidup sehari-hari. Setiap kali harus berobat dan di rawat di rumah sakit, ibunya terpaksa harus meminjam uang untuk menutup biayanya. Jika semakin lama Sofyan dirawat di rumah sakit, maka semakin banyak pinjaman yang harus ditanggung keluarga Sofyan. Bagi keluarga Sofyan, sakit adalah pelesakan kemiskinan yang semakin dalam.

Kisah keluarga Sofyan merupakan gambaran banyak keluarga di Indonesia. Kelurga-keluarga yang hidup hanya sedikit di atas garis kemiskinan bisa jatuh ke dalam jurang kemiskinan, manakala ada anggota keluarganya yang jatuh sakit secara serius. Biaya pengobatan yang mahal, baik untuk pemeriksaan dokter, biaya obat, dan pelayanan rumah sakit membuat siapa saja yang termasuk kategori miskin akan terpuruk dalam lubang yang lebih dalam di lembah kemiskinan. Slogan biaya berobat gratis terutama bagi keluarga miskin, masih sebatas hiasan dalam kampanye politik, terutama sebagai pidato pemerintah pusat dan daerah.

Sampai saat ini belum cukup bukti yang kuat bahwa setiap orang miskin akan betul-betul dilayani secara gratis dalam segala bentuk pelayanan (periksa dokter, obat, operasi, rawat inap, pelayanan, dan keperluan medis) di rumah sakit pemerintah. Ada saja alasan yang dibuat untuk tidak memberikan pelayanan gratis secara paripurna kepada orang miskin. Padahal kita semua mengetahui bahwa manakala orang miskin diminta membayar biaya pengobatan atas sakitnya, maka mereka jelas tidak akan mampu.

Selama persoalan penyediaan jaminan kesehatan masyarakat miskin belum terselesaikan, jangan berharap angka kemiskinan akan anjlok mendekati titik nol. Beban biaya berobat yang harus ditanggung oleh banyak keluarga miskin dan kelompok nyaris miskin akan menjadi faktor penting bertenggernya angka kemiskinan di level dua digit. Dengan bertahannya angka kemiskinan di atas 10%, maka kita masih harus menyaksikan derita kemiskinan masyarakat sebagai akibat persoalan beban pengobatan.

Kita mungkin pernah menyaksikan seseorang yang sedang menggelepar menahan sakit karena kekurangan darah menjadi bertambah sakit, karena darah yang akan ditransfusikan harganya tidak mampu ia bayar. Kita pun mungkin pernah mendengar ada seorang yang mengalami tumor di kepala, terjerembab di lantai karena ditolak dengan ketus oleh petugas rumah sakit, hanya karena tidak memiliki uang cukup sebagai jaminan pengobatan. Rasa sakit yang diderita keluarga miskin semakin terasa sakit, ketika mengetahui bahwa mereka tidak mampu membayar biaya mengobati sakitnya.[]

Tembus 100 Milyar

Di tengah diskursus tentang rencana pemerintah untuk menghapus (sebagian) LAZ, keluarga besar Dompet Dhuafa (DD) sedang terlarut dalam rasa syukur yang sangat dalam. Betapa tidak, menjelang 1 Muharram 1431 sebagai penanda tahun baru Islam ini, DD dihujani beberapa anugerah. Dari mulai Penghargaan Social Entrepreneur Award untuk Pendiri DD, Bapak Erie Sudewo oleh Ernst & Young, Penerimaan Sertifikat Manajemen Mutu ISO 9001 : 2008, Pencatatan Rekor MURI atas pengelolaan hewan kurban terbesar di Indonesia, Pemenang Marketing Award 2009 dari Majalah Marketing dan puncaknya ditutup dengan prestasi penghimpunan melampui 100 Milyar yang diraih oleh DD selama setahun (1 Muharram – 30 Dzulhijah 1430 H).

Raihan dana masyarakat 100 Milyar (tepatnya Rp 101.897.272.466) yang berhasil digalang DD adalah sebuah catatan baru dalam sejarah perkembangan zakat di Indonesia. Ini adalah sebuah prestasi bahwa sebuah organisasi pengelola zakat yang dibentuk dengan sederhana pada awalnya, telah mampu dipercaya masyarakat untuk mengemban amanah pengelolaan dana 100 Milyar. Ini sekaligus membuktikan bahwa sesungguhnya masyarakat Indonesia, apabila telah mengetahui kinerja suatu lembaga, maka masyarakat tidak akan segan-segan untuk mengalirkan dananya untuk diberdayakan dalam rangka mengangkat harkat hidup kaum mustahik.

Bagi kami di DD, angka 100 Milyar adalah tangga aman ketiga dalam lapis perkembangan pertumbuhan organisasi pengelola zakat atau organisasi penggalang dana masyarakat yang tumbuh dari Zero. Tangga aman pertama adalah apabila organisasi penggalang dana masyarakat mampu menghimpun dana 1 Milyar pertahun. Dimana dengan 1 Milyar dana setahun , maka operasional lembaga akan berjalan dan akan tumbuh kegiatan lembaga dalam membantu kehidupan masyarakat miskin. Tangga aman kedua adalah pencapaian 10 Milyar, yaitu tangga dimana organisasi penggalang dana masyarakat akan mulai mampu menghidupi pengelolanya. Dengan perolehan 10 Milyar pertahun, maka para pengelola organisasi pemberdayaan masyarakat akan mampu bertahan untuk terus berada di dalam organisasi tersebut, sehinga tidak mudah menjadikan personilnya keluar-masuk.

Adapun Angka pencapaian 100 Milyar adalah tangga untuk mengukur peran dan kontribusi organisasi nirlaba dalam mempengaruhi masyarakat. Dengan dana 100 Milyar, organisasi kepedulian akan memiliki kesempatan untuk berperan nyata dalam rangka mewarnai perubahan masyarakat. Tangga ketiga adalah pengukur potensi yang dimiliki oleh setiap organisasi pengelola dana masyarkat untuk berkiprah dalam rangka membantu menggerakkan bangsa guna memperbaiki kehidupan masyarakat yang tak berdaya.

Pendiri DD, Bapak Erie Sudewo, 10 tahun yang lalu pernah menyampaikan, bahwa apabila pada waktu itu DD diberi amanah dana 100 Milyar, mungkin DD akan termehek-mehek karena tidak sanggup mengelolanya. Akan tetapi dengan bertambahnya waktu dan terus berkembangnya pengalaman DD, mudah-mudahan kini DD akan lebih siap untuk dapat memanfaatkan dana tersebut dengan sebaik-baiknya. Bukan untuk sekedar dibanggakan, tetapi untuk berbakti melalui perjuangan penuh kesungguhan dan penuh kreasi untuk dapat melayani dan membantu mustahik terentas dari kemiskinannya. Tentu itu semua tidak akan berhasil tanpa dukungan dan koreksi dari semua pihak, terutama masyarakat donatur.

Kewirausahaan Sosial Kurban

Ritual kurban pada masa lalu adalah peristiwa ibadah dan sosial yang monoton. Orang-orang membeli atau menitipkan hewan kurban kepada pengurus masjid untuk kemudian disembelih pada hari Raya Idul Adha. Dagingnya dibagikan kepada orang-orang miskin di sekitar masjid tersebut. Tidak sedikit warga sekitar masjid yang tidak miskin juga kebagian daging kurban. Setelah itu peristiwa kurban hanya menyisakan kotor, bau dan rencana mengulanginya lagi di tahun depan.
Tapi kemudian muncullah kreativitas dan inovasi dalam pengelolaan kurban. Dompet Dhuafa (DD) mengawalinya dengan Tebar Hewan Kurban (THK). Kurban yang biasanya menumpuk di kota-kota besar dialihkan ke desa-desa pedalaman yang sering tak terjamah kurban. Juga ke daerah rawan pangan dimana masyarakatnya kekurangan protein hewani. Pun disampaikan ke para pengungsi di berbagai kawasan bencana di seluruh Indonesia. Daging kurban kini memiliki kesempatan untuk terbang kemana saja kita kehendaki guna menjumpai insan-insan tak berdaya.
Pengelolaan kurban seperti ini didukung oleh kerja keras dari para peternak kecil yang sejak jauh-jauh hari sudah dimodali untuk memelihara dan menggemukkan hewan ternak. Sebagian peternak itu juga berasal dari masyarakat tanpa mata pencaharian yang telah dibimbing usaha peternakan. Saat musim kurban tiba, hewan ternak itu akan dipanen atau dijual dalam rantai distribusi pengelolaan kurban. Setiap peternak pun akan memetik jasa menggemukkan atau meraih keuntungan penjualan hewan kurban. Hasil jasa atau keuntungan penjualan ini dapat digunakan untuk membeli ternak baru untuk melanjutkan usaha ternaknya.
Dukungan pengelolaan kurban seperti ini juga dilakukan oleh mitra pelaksana penyembelihan dan pendistribusian daging kurban. Uang kurban yang didapat dari pekurban di kota-kota besar melalui DD akan ditransfer ke mitra pelaksana penyembelihan dan pendistribusian daging di berbagai daerah di seluruh Indonesia. Dengan uang yang diterima dari DD, mitra pelaksana akan membeli hewan kurban untuk disembelih dan dagingnya akan didistribusikan kepada masyarakat yang kekurangan. Mitra pelaksana tentu saja mendapat jasa pengelolaan dari selisih dana kurban yang diterima dari DD dan harga hewan kurban yang mereka beli. Mitra pelaksana yang umumnya adalah yayasan, pesantren, sekolah dan lembaga dakwah Islam akan memanfaatkan selisih dana yang diperoleh untuk membantu karya sosial yang mereka lakukan.
Di DD sendiri, hasil jasa pengelolaan atau keuntungan dari kegiatan THK sebagiannya digunakan untuk mendukung operasional lembaga dalam rangka memberdayakan masyarakat termasuk para peternak kecil. Sebagian lagi dari hasil tersebut digunakan untuk membantu kaum fakir dan miskin baik dalam rangka memenuhi hajat hidup mereka, maupun dalam rangka memfasilitasi karya produktif berkelanjutan guna menopang kehidupan.
Seluruh rangkaian program THK ini adalah contoh nyata dari praktek kewirausahaan sosial yang telah dikembangkan DD selama ini. Yaitu sebuah upaya mengembangkan kegiatan ekonomi produktif dan penciptaan laba yang didedikasikan guna manfaat sosial seluas-luasnya. Sebuah proses dari hulu sampai hilir yang memberikan nilai tambah ekonomi dan sosial sekaligus. Inilah makna kewirausahaan sosial kurban.

Harapan untuk Menteri Agama Baru

Nahkoda urusan agama di Indonesia saat ini ada di tangan Pak Suryadharma Ali. Politisi dari PPP ini telah dilantik menjadi Menteri Agama Republik Indonesia yang baru. Ada banyak harapan masyarakat tertuju kepada beliau dalam pengembangan keagamaan di Indonesia. Sebagai Menteri Agama, Pak Surya akan melingkupi seluruh agama yang dianut bangsa Indonesia, termasuk agama Islam yang dianut oleh mayoritas masyarakat Indonesia.

Khusus di bidang zakat, ada banyak agenda yang sudah menunggu Pak Surya. Agenda zakat tersebut antara lain adalah amandemen Undang-Undang No. 38 tahun 1999 yang saat ini masih terserak di DPR. Draft revisi UU No. 38/1999 yang sudah lebih dari setahun ini bergulir di DPR, masih menunggu beberapa proses untuk masuk di Baleg DPR sehingga bisa segera diagendakan sebagai materi RUU yang harus diprioritaskan untuk dibahas pada tahun 2010. Substansi dari revisi UU tersebut adalah penataan kelembagaan zakat, penempatan zakat sebagai pengurang pajak dan penguatan posisi hukum zakat untuk dapat ditunaikan dengan sebaik-baiknya oleh orang Islam yang mampu.
Dalam kerangka penataan kelembagaan zakat, maka sudah saatnya apabila saat ini dilakukan peningkatan kapasitas Organisasi Pengelola Zakat (OPZ) yang terdiri dari BAZ dan LAZ. Penguatan OPZ menjadi mendesak, karena saat ini sudah sedemikian banyak masyarakat yang menaruh harapan besar dengan kehadiran OPZ tersebut, termasuk besarnya dana yang diamanahkan. Beberapa di antara OPZ tersebut belum memenuhi kapasitas dan kompetensi yang memadai untuk mengelola dana zakat dengan amanah dan profesional. OPZ tersebut perlu di-up grade sehingga memenuhi kelayakan sebagai OPZ yang berkualitas.

Dalam kerangka pengembangan kapasitas OPZ, setelah kualitasnya ditingkatkan, maka OPZ juga perlu diawasi dengan sebaik-baiknya. Dengan pengawasan yang baik, maka tidak akan muncul BAZ atau LAZ liar yang mengelola dana zakat secara tidak sah atau menyimpang dari aturan syariah. Pengawasan juga akana mengurangi adanya LAZ yang telah dikukuhkan pemerintah, tapi tidak beroperasi lagi atau sudah tidak memenuhi lagi standar kinerja sebagai LAZ, sehingga seharusnya sudah dicabut pengukuhannya. Tentu pencabutan pengukuhan hanya dilakukan bila telah dibina, tapi tidak ada perubahan yang signifikan.

Mendesak juga saat ini untuk mengarahkan pencapaian kordinasi dan sinergi di antara OPZ. Banyaknya OPZ yang sekarang ini melayani masyarakat harus ditata dan diarahkan agar mampu sinergis dan koordinatif sehingga menghasilkan manfaat yang lebih efektif dan efisien dalam rangka membantu serta memberdayakan masyarakat mustahik. Proses koordinasi dan sinergi juga akan menjauhkan OPZ dari tumpang tindih kegiatan dan lambatnya proses pemberdayaan zakat.

Sebagai bagian dari keperluan penataan zakat secara keseluruhan, maka adanya blue print zakat yang dijadikan rujukan berbagai pemangku kepentingan zakat di Indonesia juga sudah sangat mendesak. Blue print tersebut harus disusun dengan melibatkan seluruh elemen yang berkepentingan dalam urusan zakat di Indonesia termasuk tentu saja pemerintah sebagai unsur yang sangat menentukan.

Akhirnya, kita patut menyampaikan selamat bertugas kepada Pak Surya dalam rangka mengemban tugas yang sangat berat sebagai Menteri Agama. Mari Kita dukung tugas beliau dengan melakukan kerjasama secara elegan, santun dan multi manfaat bagi kepentingan masyarakat seluas-luasnya.

Penjual Ginjal dan Harapan Bebas Derita

Bentangan derita yang dialami masyarakat Indonesia begitu meluas. Saat ribuan para pengungsi gempa di Jawa Barat masih menghuni tenda-tenda darurat, terjadi lagi gempa di Sumatera Barat dan Jambi. Gempa di Suma tera Barat yang begitu keras mengguncang dengan kekuatan 7,6 SR, membuat dampak yang lebih memprihatinkan. Diduga lebih dari seribu orang meninggal, ribuan orang mengalami luka dan ribuan bangunan serta rumah hancur. Rangkaian terjadinya gem pa ini terus memperpanjang daftar korban dan para pengungsi sebagai akibat bencana.

Pada saat yang sama, masyarakat In donesia juga belum sepenuhnya terbebas dari himpitan kemiskinan. Angka pengangguran yang masih tinggi, rendahnya pendapatan dan kenaikan harga yang terus terjadi atas berbagai barang konsumsi juga telah menim bulkan tekanan hidup yang sedemikian hebat bagi sebagian orang yang menghuni bumi Indonesia ini. Perilaku curang sebagian orang yang ingin segera memperkaya diri dengan mengeksploitasi kesulitan ekonomi orang lain, juga turut memperburuk kehidupan sebagian masyarakat kita. Pola hidup konsumtif dan gaya hidup materialis yang tidak diimbangi dengan pendapatan yang cukup telah menjatuhkan sebagian masyarakat menengah bawah ke dalam lembah kesengsaraan ekonomi.

Belenggu kemiskinan telah menjadi monster mengerikan yang menghantui kehidupan sebagian orang. Tidak sedikit masyarakat yang karena kemiskinan mengambil jalan pintas yang sangat meng khawatirkan, bahkan kadang ada yang akhirnya terjerumus melakukan tindakan kriminal. Bagi sebagian orang yang sudah lama merasakan betapa menderita hidup dalam kemiskinan, kadang dirasakan kehidupan ini telah menjadi jalan gelap yang seolah tak ada jalan keluar.

Perasaan seperti ini pernah terjadi pada Arman Herman, seorang Bapak yang melalui media televisi pernah menawarkan ginjalnya untuk dijual dalam rangka menghidupi keluarganya. Pak Arman (32 tahun) yang berasal dari Rangkas Bitung, Banten ini sebelumnya bekerja sebagai operator forklift di sebuah perusahaan swasta yang bergerak di bidang pembuatan gypsum. Pak Arman berpendidikan SLTA, sudah menikah dan mempunyai anak satu orang. Di Perusahaan ini Pak Arman gajinya dibayar harian yaitu sebesar Rp 22.500,- per hari. Jika ada pekerjaan lembur, maka ia dapat tambahan Rp 4.000,- per jam.

Pada akhir Juni 2009 pekerjaanya sebagai operator forklift di putus kontrak, guna memperbaiki kehidupannya, Pak Arman memutuskan untuk mencari pekerjaan di Jakarta. Bekal yang dibawanya, sebuah tas ransel berisi beberapa berkas seperti foto copy ijazah, foto copy sertifikat dan beberapa lembar kertas folio bergaris untuk menulis lamaran. Oleh mertuanya, ia dibekali uang Rp 250.000,- . Adik iparnya juga meminjaminya satu unit handphone yang masih berfungsi.

Selama empat hari berkelana di Jakarta, ia tinggal sementara di masjid Istiqlal. Ketika ia shalat Maghrib di masjid itu, tas yang berisi bekal dan berbagai berkas lenyap dicuri orang saat diletakkan di pinggir tembok. Semua berkas, termasuk dompet berisi uang yang ditaruhnya di dalam tas, hilang tanpa bekas. Sejak itu, ia mengembara dari satu tempat ke tempat lain. Untuk mendapatkan makanan setiap hari, ia menawarkan diri untuk menjadi pencuci piring di warung-warung di pinggir jalan. Harapannya, ia mendapatkan sepiring nasi dan sedikit lauk pauk untuk mengisi perutnya.

Memasuki awal Ramadhan 1430 H lalu, ia pindah pangkalan di masjid Bank Indonesia di kawasan Tanah Abang Jakarta Pusat. Ketika ia sedang berzikir usai shalat, seseorang berjubah putih memberinya uang Rp 50.000,- Uang itu digunakan untuk menelepon keluarganya, yang selama lebih dari 3 bulan tidak ada kabar beritanya.

Dari hubungan telepon itu, ia mengetahui bahwa anaknya sakit. Mendengar anaknya sakit, terpikir olehnya, bagaimana mendapatkan sejumlah uang secara cepat, tidak hanya untuk mengobati anaknya, tetapi juga untuk membantu kesejahteraan anak dan keluarganya. Ia pun rajin membaca-baca koran, majalah, dan beberapa buku, sampai akhirnya terpikir untuk menjual satu ginjalnya. Dari bacaannya, ia mengetahui bahwa harga satu ginjal mencapai ratusan juta Rupiah, dan banyak orang bisa hidup normal hanya dengan satu ginjal.

Mulai tanggal 20 Ramadhan 1430 H, ia pindah pangkalan lagi ke Masjid Cut Meutia di kawasan Menteng Jakarta. Di Masjid Cut Meutia ini, pada suatu pagi, ia melihat mobil-mobil dari beberapa stasiun televisi parkir di halaman mesjid. Rupanya ada liputan pers di masjid itu. Di tempat itu, ia juga menemukan selembar kertas dan sebuah pulpen. Ia pun menuliskan keinginannya untuk menjual ginjalnya di kertas itu. Ia juga menuliskan nama dan alamatnya di kertas itu. Bukan alamat rumah yang ia tuliskan, tetapi alamat masjid Cut Meutia. Dimasukkannya kertas itu pada sebuah amplop. Untuk selanjutnya amplop tersebut diserahkan kepada pengemudi mobil dari salah satu stasiun televisi.

Sang pengemudi akhirnya menyerahkan surat itu kepada produser acara dari stasiun televisi itu. Sang produser pun menemuinya, dan bertanya tentang banyak hal, seputar perjalanan hidupnya. Atas perintah sang produser, pengemudi mobil kemudian menjemputnya di masjid Cut Meutia untuk menjadi tamu pada sebuah acara di salah satu stasiun televisi. Melalui acara di televisi ini, Pak Arman mengungkapan keinginannnya untuk menjual ginjalnya.

Saat hadir di acara tersebut Pak Arman bertemu dengan Rektor Institut Kemandirian Dompet Dhuafa (DD), yaitu Bapak Zainal Abidin. Atas nasehat dan saran dari Pak Zainal, Pak Arman akhirnya bersedia untuk mengikuti pelatihan dan magang usaha mengelola toko handphone. Selama pelatihan, keperluan hidup Pak Arman dibantu dari sumbangan donatur yang masuk melalui acara televisi yang diikutinya. Selepas pelatihan dan magang ini, Pak Arman bertekad menjadi peng usaha handphone dibantu Institut Keman dirian DD.

Fakta kisah Pak Arman di atas menunjukkan bahwa meskipun beratnya hidup ini dijalani, tetapi kita tidak boleh kehilangan harapan. Kemiskinan yang membelenggu kita, tidak boleh membuat kita berputus asa dan melakukan tindakan kriminal. Melalui pertemuannya dengan Pak Zainal, Pak Arman pun akhirnya disadarkan bahwa uang bukanlah segala-galanya dalam hidup ini. Uang bukanlah jaminan kebahagian satu-satunya bagi keluarga, akan tetapi bekerja keras, berusaha sendiri, tidak kenal menyerah dan bertawakal kepada Allah lah yang mampu menjaga kita dari keterpuruk -an kemiskinan. Rama Zirasa/ZA/ADV

SINERGY of ZAKAT MANAGEMENT on MABIMS COUNTRIES

SINERGY of ZAKAT MANAGEMENT
on MABIMS COUNTRIES
(Brunei, Indonesia, Malaysia and Singapore)


INTRODUCTION :
History Of Zakat Management on South East Asia
 Before 1990, zakat managed with traditional style
 Early 1990, Initiating management of zakat with professional‘s model or corporate approach
 Many zakat Institution in Southeast Asia success to collect zakat
 Interaction and relation between zakat institution in Southeast Asia at 2000, delivery need to exchange experiences and improve skills


South East Asia’s Zakat Conference
 South East Asia Zakat Conference, Kuala Lumpur, 13-15 March 2006 : initiating SEA Zakat Council
 SEA Zakat Council recognized by MABIMS as MABIMS Zakat Council (November 2006)
 South East Asia Zakat Conference II, Padang 30 October – 6 November 2007
 Forming and organizing MABIMS Zakat Council

Roles of MABIMS Zakat Council
1. Decide the case surrounding the issues of zakat at the regional level, both in terms of jurisprudence (Fikih) and management
2. Standardizing the zakat management competence, whether at the level of Amil, and organizational management
3. Conducting studies and research for zakat development in Southeast Asia
4. Conduct seminars, trainings and workshops in order to improve the quality of Zakat management
5. Conduct cooperation in the framework of the use or zakat distribution especially in the framework of realization of the pilot project in Southeast Asia
6. Initiate the formation of a regional zakat council in various regions other parts of the world.

Program Sinergy
1. Enabling Secretariat of MABIMS Zakat Council
2. Develop Jurisprudece of Zakat (Fikih Zakat) for southeast Asia
3. Develop Zakat Management Guide
4. Jointly conduct seminars and training about zakat
5. Conduct research zakat
6. Publishes Book, Magazine or Journal Zakat
7. Exchange or internship Amil zakat in other countries
8. Conduct joint program (pilot Project) of zakat


Note : This paper is pointer presentation on behalf Ahmad Juwaini as Chief of Indonesia Zakat Organization Association on MABIMS Zakat Council meeting, 5-7 October 2009

Zakat Emang Ajiib

Casidin, pemuda asal Indramayu, sudah diingatkan oleh Bapaknya agar tidak melanjutkan sekolah sejak lulus SD. “Wis le, ora usah sekolah, Bapak ora gaduh duit (sudahlah nak, tak usah sekolah, Bapak tidak punya uang – Red)”. Bapaknya Casidin adalah tukang kayu serabutan, sementara ibunya hanya menjual nasi goreng yang untungnya hanya cukup buat jajan adik-adik Casidin. Tapi Casidin tidak berputus asa, dia terus berusaha untuk sekolah dengan berbagai cara. Sampai akhirnya ketika Casidin lulus SMA dan bingung karena ingin kuliah, tapi tidak punya uang. Seorang pengurus masjid dekat tempatnya tinggal memberitahukannya untuk meminta bantuan ke Dompet Dhuafa (DD). Singkat cerita akhirnya Casidin bisa kuliah di IKIP Jakarta dan lulus dengan bantuan beasiswa dari DD. Kini Casidin telah bekerja sebagai guru di salah satu sekolah Islam ternama di bilangan kebayoran Jakarta Selatan dengan penghasilan lumayan.

Kisah Casidin adalah contoh bergunanya zakat untuk membantu mengubah kehidupan seorang yang berasal dari keluarga miskin dan mengalami kesulitan dalam pendidikan, akhirnya mampu hidup mandiri. Pengalaman seperti Casidin juga dirasakan oleh Mila mahasiswi yang mampu kuliah di UI berkat dukungan beasiswa dari DD. Setelah lulus kuliah, Mila bekerja di perusahaan kenamaan. Kini Mila pun bisa membantu kehidupan adik-adiknya dan menyisihkan sebagian penghasilannya lagi untuk kegiatan sosial melalui DD.

Dalam bentuk yang hampir sama, Muhammad Husein, remaja yang berlatar belakang keluarga tidak mampu asal Bojong Gede Bogor, selepas SD berkesempatan mengikuti pendidikan di SMART Ekselensia Indonesia yang dibiayai dari dana zakat yang dikelola DD. Selama mengikuti pendidikan di SMART EI pernah menjadi juara 3 Olimpiade Fisika tingkat Nasional. Saat ini Muhammad Husen diterima di UI jurusan Sistem Informasi. Masih banyak penerima manfaat zakat yang dikelola DD dalam bidang pendidikan yang akhirnya menjadi mandiri.

30 Tahun yang lalu, saat belum ada model pengelolaan zakat yang profesional, tidak pernah terbayangkan bahwa zakat akan mempengaruhi sendi kehidupan umat Islam di Indonesia secara signifikan. Saat itu tak pernah terpikirkan akan hadir kisah-kisah keajaiban di seputar zakat. Dari mulai pemuda penganggur yang tertolong hidupnya setelah diberikan pelatihan dan modal usaha sehingga punya usaha sendiri, pemuda dengan ekonomi pas-pasan yang akhirnya bisa bersekolah di luar negeri, seorang Ibu yang mampu dioperasi tumor ganasnya setelah lebih dari tujuh tahun tumor itu bersarang di kening Sang Ibu, atau kisah beberapa anak muda yang diberi modal hanya 1 – 2 juta akhirnya mampu mengembangkan usaha dengan asset 36 Milyar dan mempekerjakan lebih dari 50 orang karyawan.

Zakat adalah ajaran Islam yang pernah mewarnai sejarah perkembangan Islam sejak zaman Nabi Muhammad saw, sampai kepada generasi sahabat dan para khalifah sesudahnya. Zakat akan senantiasa hadir dengan keajaibaannya manakala disadari dan dikelola dengan tepat. Tetapi kaum muslimin pernah melalaikannya, salah paham dan tidak mengelolanya dengan baik. Maka zakatpun seperti tidak pernah menampilkan keindahannya di tengah-tengah umat.

Umat Islam lebih senang membayarkan zakat sendiri-sendiri, langsung dibagi-bagi kepada mustahik atau orang miskin, mereka tidak lagi menyalurkan zakat kepada pengelola zakat yang amanah untuk didayagunakan dalam rangka mengatasi kemiskinan. Umat Islam begitu bangga beribadah zakat sendiri-sendiri , tidak termobilisasi dan habis begitu saja setiap kali dibagikan, tanpa sisa, tanpa bekas, bagai ombak tinggi di tengah lautan yang terhempas habis menjadi buih di tepi pantai.

DD sebagai Organisasi Pengelola Zakat adalah salah satu contoh fenomena zakat di Indonesia. Lahir dari rahim kepedulian Harian Republika. Pada tanggal 2 Juli 1993 DD dirintis dengan kesederhanaan, hanya dikelola dua orang dengan ruang kantor sempit, komputer pinjaman dan tidak memiliki dana operasional. Saat itu urusan zakat masih dipandang sebelah mata, mengumpulkan zakat dari masyarakat bagai menemukan jarum di tumpukan jerami. Tak banyak uang zakat yang bisa dikumpulkan dari masyarakat

Meski dengan pedih perih serta penuh cobaan dan tantangan, Dompet Dhuafa terus memperjuangkan penyadaran dan pengelolaan zakat yang amanah dan profesional kepada masyarakat. Melalui kesungguhan dan ketabahan yang tiada terkira, perjalanan dari tahun ke tahun, akhirnya DD mulai mendapatkan kepercayaan dari masyarakat, DD pun kini telah menjadi salah satu pengelola zakat terbesar di Indonesia.

Dari hanya mengumpulkan dana 87 juta setahun, menjadi hampir 80 Milyar pertahun, dari hanya dikelola dua orang, menjadi lebih dari 50 orang, dari hanya dikelola menggunakan komputer sederhana pinjaman, kini telah dilengkapi dengan sarana dan fasilitas kantor yang memadai dan modern. Dari hanya kantor kecil di pojok warung buncit Jakarta selatan, kini telah menyebar ke seluruh Indonesia dan membuka cabang dan perwakilan di berbagai negara.

DD juga telah membantu jutaan orang miskin di Indonesia, mendirikan rumah sakit dan klinik gratis di berbagai daerah, mendirikan dan mengelola sekolah unggulan gratis serta membantu ribuan anak-anak sekolah di Indonesia, memberikan beasiswa kepada lebih dari 1000 orang mahasiswa, melatih lebih dari 7.500 guru, mendirikan dan membina lebih dari 120 BMT dan berpartisipasi menolong lebih dari 50.000 nasabahnya, membangun dan mengembangkan peternakan dengan 12.000 ekor domba dan sapi untuk menolong peternak, serta mengembangkan program pertanian guna menolong lebih dari 2000 petani. Saat ini DD juga sedang dan akan mengembangkan kawasan pemberdayaan masyarakat terpadu dalam lingkup kecamatan di 20 wilayah di seluruh Indonesia, sebagai tonggak perubahan kemandirian masyarakat yang berasal dari dana zakat.

DD bercita-cita agar pada masa depan ketika mobilisasi zakat semakin besar, maka zakat betul-betul mampu didayagunakan untuk menolong orang miskin untuk keluar dari kemiskinannya. Dana zakat digunakan untuk mengelola rumah sakit yang digratiskan bagi orang miskin di seluruh propinsi, mendirikan sekolah dan perguruan tinggi yang digratiskan bagi orang miskin di seluruh Indonesia. Dana zakat pada masa depan juga akan digunakan untuk mendirikan atau membeli perusahaan-perusahaan besar yang kepemilikannya akan diserahkan kepada orang miskin, mempekerjakan orang miskin dan keuntungannya untuk menyejahterakan orang miskin. Sehingga pada suatu hari nanti di pusat-pusat bisnis akan hadir perusahaan-perusahaan raksasa yang kepemilikannya berasal dari dana zakat.

Bila cita-cita itu tercapai, maka sebagian besar orang miskin akan tertolong, umat Islam akan bangga dan terhormat, karena zakat telah menghadirkan keajaiban dan kedahsyatannya kembali di muka bumi. Pantaslah bila kita kemudian berucap : “Zakat Emang Ajiib…!”

The Meaning of Zakat

What is Zakât?
"Take from their wealth a portion for charity, in order to clean them thereby, and sanctify them."

Literal Meaning: Zakat means grow (in goodness) or 'increase', 'purifying' or 'making pure'. So the act of giving zakat means purifying one's wealth to gain Allah's blessing to make it grow in goodness.
--Source: Definition from the Zakat Collection Center in Kuala Lumpur.

One of the most important principles of Islam is that all things belong to God, and that wealth is therefore held by human beings in trust. The word zakat means both 'purification' and 'growth'. Our possessions are purified by setting aside a proportion for those in need, and, like the pruning of plants, this cutting back balances and encourages new growth.

Zakah not only purifies the property of the contributor but also purifies his heart from selfishness and greed. It also purifies the heart of the recipient from envy and jealousy, from hatred and uneasiness and it fosters instead good-will and warm wishes for the contributors.
--Source: Zakat (the Alms Tax)

ZAKAT: (Alms) The Zakat is a form of giving to those who are less fortunate. It is obligatory upon all Muslims to give 2.5 % of wealth and assets each year (in excess of what is required) to the poor. This is done before the beginning of the month of Muharram, the first of new year. Giving the Zakat is considered an act of worship because it is a form of offering thanks to God for the means of material well-being one has acquired. --An introduction to Islam

Zakât: A certain fixed proportion of the wealth and of the each and every kind of the property liable to Zakât of a Muslim to be paid yearly for the benefit of the poor in the Muslim community. The payment of Zakât is obligatory as it is one of the five pillars of Islam. Zakât is the major economic means for establishing social justice and leading the Muslim society to prosperity and security. [See Sahih Al-Bukhari, Vol. 2, Book of Zakât (24)]. --Glossary

Paying zakat is Fard (compulsory). The Qur'an says that only those who pay zakat are in the "brotherhood of faith". The Holy Qur'an also says that Zakat purifies assets and creates virtue ( SU:9 103 ). Zakat is a 2.5% levy on most valuables and savings held for a full year if their total value is more than a basic minimum known as nisab. At present nisab is $1,050 or an equivalent amount of any other currency. Cash money in your bank and building society accounts, and the release value of bonds, securities and shares in any form are zakatable if they are purchased as an investment. There is no Zakat on family home or household furniture, carpets, car, etc. But if a property ...
--Source: What is Zakat?

Zakat is distributed among 8 asnaf (categories) of people, namely:

1. Fakir - One who has neither material possessions nor means of livelihood.
2. Miskin - One with insufficient means of livelihood to meet basic needs.
3. Amil - One who is appointed to collect zakat.
4. Muallaf - One who converts to Islam.
5. Riqab - One who wants to free himself from bondage or the shackles of slavery. (In Singapore, zakat due to this category of recipients is spent on those who need help to pursue education or to improve their standard of living).
6. Gharmin - One who is in debt (money borrowed to meet basic, halal expenditure).
7. Fisabillillah - One who fights for the cause of Allah.
8. Ibnus Sabil - One who is stranded in journey.

(Source: MUIS in Singapore)

The Holy Qur'an (Sura Al-Tauba: 60) classifies the due recipients of zakat under the following eight categories.

"Zakat is for the poor, and the needy and those
who are employed to administer and collect it,
and the new converts, and for those who are in
bondage, and in debt and service of the cause
of Allah, and for the wayfarers, a duty ordained
by Allah, and Allah is the All-Knowing, the
Wise".

[Source: Guide to Zakat - By Dr. Abdul-Satar Abu Qhodda]