Kawalan Penyakit Wabak Berjangkit: Satu Tinjauan Terhadap Takaful Mikro Berasaskan Zakat
[Infectious Plague Control: A Survey On Zakat-Based Micro Takaful]
DOI:
https://doi.org/10.33102/uij.vol33no3.437Keywords:
Takaful mikro, zakat, penyakit berjangkit, COVID-19., populasi miskinAbstract
Fenomena penyakit berjangkit antara faktor yang merencatkan kestabilan sosioekonomi sesebuah masyarakat khususnya populasi miskin. Ia disebabkan aktiviti perekonomian yang terbatas, kos perubatan yang meningkat dan akses fasiliti kesihatan yang terhad. Takaful mikro merupakan antara instrumen kewangan Islam yang menawarkan skim perlindungan kesihatan kepada populasi ini. Walau bagaimanapun, operasi takaful mikro dikatakan mempunyai beberapa isu, antara yang utamanya ialah permasalahan kewangan. Sungguhpun secara teoritikalnya, zakat sering dikaitkan sebagai sumber dana alternatif untuk operasi takaful, namun dari sudut praktikalnya idea ini masih samar. Kajian ini bertujuan untuk meneroka potensi, isu serta cabaran takaful mikro sebagai instrumen perlindungan kesihatan bagi kawalan penyakit berjangkit, khususnya dalam kalangan populasi miskin. Metode kajian kepustakaan dan dokumentasi digunakan untuk mendapatkan data. Bagi tujuan analisis, kaedah analisis kandungan, diskriptif, induktif dan deduktif digunakan secara konsisten. Hasil kajian mendapati bahawa takaful mikro adalah relevan untuk menghadapi wabak penyakit berjangkit. Beberapa prospek dan cabaran bagi penggunaan zakat dalam operasi takaful mikro turut dikenalpasti. Kajian ini sesuai dijadikan rujukan bagi institusi takaful mikro, zakat dan agensi lainnya yang terlibat dalam pemerkasaan golongan miskin dalam rangka untuk menambahbaik aspek kesihatan mereka.
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