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Funeral Poverty: An Exploratory Study for Micro-Takaful Azrul Azlan Iskandar Mirza; Khairil Faizal Khairi; Syadiyah Abdul Shukor; Nurul Aini Muhamed; Ahmad Fadly Nurullah Rasedee; Muhammad Suhaimi; Nuur Halimatus Saadiah Masrukhin; Aimi Fadzirul Kamarubahrin
Tazkia Islamic Finance and Business Review Vol. 14 No. 2 (2020)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v14i2.222

Abstract

The funeral expense is becoming expensive. It will lead into funeral poverty whereby the next of kin of the deceased face a difficulty to pay funeral expenses. The funeral poverty already affected developed countries such as Indonesia and African countries. For Malaysia, few schemes have been established by society to cover the poor from having difficulties for funeral expenses. The underlying reason behind the practice is a strong culture and belief. Nevertheless, these organizations have a different approach in managing this scheme but create chaos in the society from the perspective of payment and coverage. This paper will review literature, segmenting the practices and suggest the probable solution for funeral expenses scheme with the kind of exploring a segment in Takaful and micro-Takaful.
An analysis of regulation and governance for funeral social fund in Malaysia Azrul Azlan Iskandar Mirza; Nurul Hanis Kamarudin; Khairil Faizal Khairi; Syadiyah Abdul Shukor; Nurul Aini Muhamed; Ahmad Fadly Nurullah Rasedee; Muhammad Suhaimi; Nuur Halimatus Saadiah Masrukhin; Aimi Fadzirul Kamarubahrin
al-Uqud : Journal of Islamic Economics Vol. 6 No. 1 (2022): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (365.11 KB) | DOI: 10.26740/aluqud.v6n1.p14-22

Abstract

The funeral expense is becoming expensive. It will lead to funeral poverty whereby the next of kin of the deceased face difficulty paying funeral expenses. Increasing numbers of people seek financial management advice following bereavement, which can have a long-term effect on the grief experience and an individual's ability to manage. More should be done to encourage people on low incomes to prepare for death through simple advice and guidance. In Malaysia, a funeral social fund such as the Khairat death fund, in general, is financial assistance that is a grant to the family of the deceased for covering the cost and expenses of funeral processes. Khairat death fund was managed by community members or organizations in the areas. However, all this Khairat death organization moving with their own way as there is no legal jurisprudence as guidance to regulate and to be more systematic and synchronize management. Hence, this study will review regulation and governance for the funeral social fund in Malaysia.
BEYOND GROWTH METRICS : THE SARONG INDEX AND UNGKU AZIZ’S HUMAN-CENTRED DEVELOPMENT PERSPECTIVE IN MALAYSIA Muhammad Suhaimi; Fuadah Johari
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

In the past, developmental evaluations have been done in Malaysia on the basis of growth centric measurements and have thus often overlooked the real socio-human situation. This paper attempts to review Sarong Index, a groundbreaking account of the concept of development based on humanity in the Malaysian context by Ungku Aziz. Using a qualitative interpretative approach to the corpus of writings of Ungku Aziz and a contemplative evaluation of his policy propositions, the paper clarifies the functional aspects of the Sarong Index as a socio economic indicator that is able to predict poverty and dignity, and the material aspects that define daily life realities, rather than just a rise in aggregate income. The analysis places the Sarong Index in the larger context of human-centred development paradigm and discusses its usefulness as a locally-based substitute of the traditional measures that promote the adoption of Maqasid Shariah compliance. The argument is supported by aligning the views of Ungku Aziz to the development trajectory in Malaysia after gaining independence, hence the Sarong Index, which would be a logical, though ethically conscious assessment, can be considered rational. The contribution will enhance the academic discourse on the inclusive development by demonstrating how the local or indigenous-based indicators and context-specific frameworks can support the mainstream development indicators in measuring the human welfare.
The Malay Worldview and the Question of Poverty: Towards a Human-Centred Development Economics Muhammad Suhaimi; Fuadah Johari; Nuur Halimatus Saadiah Masrukhin; Zul Aizat Hamdan
Tazkia Islamic Finance and Business Review Vol. 20 No. 1 (2026): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v20i1.535

Abstract

تناول علم اقتصاد التنمية المعاصر قضية الفقر في الغالب من خلال مؤشرات مادية وكمية وتقنوقراطية، متجاهلاً في كثير من الأحيان الأبعاد الأخلاقية والثقافية والحضارية المرتبطة برفاه الإنسان. وفي سياق عالم الملايو (Alam Melayu)، تبدو هذه المقاربات غير كافية لاستيعاب التصورات المحلية للتنمية القائمة على الانسجام المجتمعي، والاقتصاد الأخلاقي، والعدالة الاجتماعية، وصون الكرامة الإنسانية. وعلى الرغم من التنامي المستمر للنقاشات المتعلقة بالنماذج التنموية البديلة، فإن الاهتمام الأكاديمي بالرؤية الكونية الملايوية بوصفها أساساً مفاهيمياً لإعادة التفكير في الفقر والتنمية المتمحورة حول الإنسان لا يزال محدوداً. تهدف هذه الدراسة إلى استكشاف الكيفية التي تفسر بها الرؤية الكونية الملايوية مفهومي الفقر والتنمية بما يتجاوز الاختزال الاقتصادي الذي يميز النماذج التقليدية. وتعتمد الدراسة منهجية نوعية وتأويلية من خلال تحليل نصوص مختارة من التراث الفكري الملايوي، وخطابات التنمية، وأعمال عدد من المفكرين البارزين، وفي مقدمتهم أنغكو عزيز (Ungku Aziz). وتُبرز المناقشة الترابط العضوي بين الاقتصاد والأخلاق والدين والمسؤولية الاجتماعية في التصور الملايوي للتنمية. وتشير النتائج إلى أن الفقر في الرؤية الملايوية لا يُفهم بوصفه حرماناً مادياً فحسب، بل باعتباره حالة متعددة الأبعاد تمس الكرامة الإنسانية والتوازن الاجتماعي والرفاه الجماعي. وتخلص الدراسة إلى ضرورة تطوير اقتصاد تنموي متمحور حول الإنسان يستند إلى المنظورات المحلية والحضارية لعالم الملايو، بما يسهم في إعادة صياغة فهم أكثر شمولاً وإنسانية للتنمية.
From Worldview to Institution: Ungku Aziz and the Moral Foundations of Malaysia’s Development Trajectory Muhammad Suhaimi; Fuadah Johari; Nuur Halimatus Sa'adiah Masrukhin; Zul Aizat Hamdan; Zulfi Akmal
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.9111

Abstract

Purpose – This study examines why the moral worldview of Ungku Aziz remains important for understanding Malaysia’s development trajectory. Existing scholarship has often interpreted Malaysian development through technocratic, macroeconomic, or administrative lenses, while giving less attention to the ethical ideas that informed institutional design. Building upon earlier studies on Ungku Aziz as an economist and public intellectual, this article argues that his key contribution was the translation of justice-oriented values into practical development institutions. The study, therefore, reinterprets him as an architect of morally grounded development rather than merely a policy technocrat. Design/Methods/Approach – The study employs a qualitative research design, utilizing textual and thematic analysis. Primary materials comprise selected writings, speeches, policy commentaries, and public interventions by Ungku Aziz across various periods. These are supplemented by secondary literature on Malaysian development, poverty studies, Islamic moral economy, and institutional theory. The materials were coded thematically to identify recurring concepts such as distributive justice, dignity, education, rural upliftment, and public responsibility, before tracing their institutional manifestations in the Malaysian context. Findings – The study finds that Ungku Aziz consistently framed development as a human-centred and ethical process rather than a narrow exercise in income expansion. His thought linked poverty reduction with structural reform, educational mobility with national advancement, and state capacity with distributive fairness. The findings indicate that values such as justice, dignity, and social responsibility were reflected in policy orientations relating to poverty alleviation, rural advancement, and institutional nation-building. This supports the argument that Malaysia’s development experience cannot be understood solely through economic management, but also through normative foundations that shaped policy priorities. Research Implications/Limitations – The study is based primarily on documentary interpretation rather than direct causal measurement of policy outcomes. As such, the findings are strongest in explaining the relationship between ideas, institutional orientation, and development discourse rather than quantifying policy effectiveness. The qualitative design also limits broader generalisation beyond the Malaysian case. Future research may employ comparative or mixed-method approaches to test how ethical worldviews influence measurable development outcomes across other national settings. Originality/Value – This article contributes to scholarship by repositioning Ungku Aziz as a thinker of moral institutionalism whose ideas bridged ethics and governance. It adds to debates in Islamic moral economy, development theory, and Malaysian political economy by showing how value-based worldviews can be translated into modern state institutions within a plural society. The study also offers a conceptual basis for future research on inclusive and human-centred development in contemporary Asia.