RM40 bil Nilai Aset Tidak dituntut
Dua hari lepas Islamic Estate Planning Seminar yang dianjurkan oleh As-Salihin telah berjaya diadakan dan dihadiri lebih dari 100 peserta. Topik yang dibincangkan adalah mengenai Pengurusan Harta Pusaka, Harta Sepencarian dan Hibah.
Dalam akhbar memang banyak kisah yang berkaitan dengan tuntutan harta pusaka samada secara langsung atau tidak. Terbaru kisah bapa saman anak di hari jadi beliau. Rujuk sini. Salah satu punca perkara ini berlaku ialah ketidakfahaman terhadap proses perundangan yang betul untuk menguruskan harta pusaka.
Masih ada lagi pandangan bahawa isu harta pusaka hendaklah dirahsiakan atau ditangguhkan penyelesaiannya. Ini pandangan yang merugikan. Bukan sahaja kepada waris tetapi kepada si mati yang mana urusan dunianya tidak diselesaikan dengan cepat.
Tajuk utama akhbar The Star hari ini menyebutkan beberapa sebab utama sebanyak RM40bil nilai aset tidak dituntut antarnya:
1) Tidak faham tentang pengurusan harta pusaka
2) Perbalahan di kalangan ahli keluarga
3) Bertangguh menguruskan aset si mati untuk dibahagikan kepada waris
4) Tidak menulis Wasiat untuk melantik Wasi (Executor) bagi menguruskan harta pusaka selepas kematian.
Saya sertakan petikan dari akhbar The Star. Sila rujuk sini untuk petikan penuh.
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By ROZAID A. RAHMAN and MOHD AL QAYUM AZIZI
PETALING JAYA: Some RM40bil worth of assets and property left behind by deceased persons continue to be unclaimed due to poor administrative procedures in the distribution of estates to the rightful Muslim heirs. The unclaimed estate is mainly in the form of EPF contributions and bank savings, vehicles, real estate and insurance benefits.
Deputy head in the Syariah advisory division of the Attorney-General’s Chambers, Mahamad Naser Disa, said the “loose” and inconsistent Syariah laws relating to inheritance of wakaf (religious or public endowment), ar-rahnu (mortgage) property and hibah (awards), coupled with the constraints of existing laws, complicate the process of managing inherited properties.
In Malaysia, estate administration laws used by Muslims are the Probate and Administration Act 1959 and Small Estate (Distribution) Act 1955. The practice of “hibah” involved gifts to either people in need or those who are well-to-do. The awarding of gifts, including for charity, is commended as it helps to improve the lot of the community. In “ar-rahnu”, a valuable item is collateralised (or pawned) to a debt which may be utilised as payment should the debt not be repaid within the agreed period.
Agencies like Amanah Raya Berhad (ARB), Amanah Hibah and Warisan Mukmin provide professional services in inheritance management and administration. Mahamad Naser said the absence of specific laws in states on estate management transactions by Muslims made it harder for Syariah judges to hear cases.
“This can result in different judgments being delivered for similar cases as the judges may be referring to different ulamas (religious scholars) and kitabs (religious books),” he said.
Mahamad Naser said: “The aspect of managing and administrating the estate of Muslims, living or dead, is rather poor. “The RM40bil figure, released by ARB as recently as mid-2009, is alarming,” he said in a paper presented recently at a convention on the planning and management of assets in Islam at the Universiti Kebangsaan Malaysia here.
Mahamad Naser said the problem was also due to indifference and lack of awareness among the Muslims themselves on how to manage their properties.
The unclaimed assets, such as the EPF and bank savings, vehicles, properties and insurance benefits, may be frozen if the heirs continue to tussle over the ineritance. Should this happen, it could have a grave impact on the country’s economic development as they would not be used in any productive manner, said Mahamad Naser.
He said the Muslim community appears to be confused over the different roles and functions of agencies like the state Islamic councils, the Syariah courts, land office (minor inheritance unit), civil High Courts and ARB.
“For example, when a Muslim dies, the deceased’s beneficiaries would not know where to go for the distribution of the estate, whether it is the Syariah court, the land office or the ARB,” he said.
Dalam akhbar memang banyak kisah yang berkaitan dengan tuntutan harta pusaka samada secara langsung atau tidak. Terbaru kisah bapa saman anak di hari jadi beliau. Rujuk sini. Salah satu punca perkara ini berlaku ialah ketidakfahaman terhadap proses perundangan yang betul untuk menguruskan harta pusaka.
Masih ada lagi pandangan bahawa isu harta pusaka hendaklah dirahsiakan atau ditangguhkan penyelesaiannya. Ini pandangan yang merugikan. Bukan sahaja kepada waris tetapi kepada si mati yang mana urusan dunianya tidak diselesaikan dengan cepat.
Tajuk utama akhbar The Star hari ini menyebutkan beberapa sebab utama sebanyak RM40bil nilai aset tidak dituntut antarnya:
1) Tidak faham tentang pengurusan harta pusaka
2) Perbalahan di kalangan ahli keluarga
3) Bertangguh menguruskan aset si mati untuk dibahagikan kepada waris
4) Tidak menulis Wasiat untuk melantik Wasi (Executor) bagi menguruskan harta pusaka selepas kematian.
Saya sertakan petikan dari akhbar The Star. Sila rujuk sini untuk petikan penuh.
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RM40bil in assets stuck
By ROZAID A. RAHMAN and MOHD AL QAYUM AZIZI
newsdesk@thestar.com.my
PETALING JAYA: Some RM40bil worth of assets and property left behind by deceased persons continue to be unclaimed due to poor administrative procedures in the distribution of estates to the rightful Muslim heirs. The unclaimed estate is mainly in the form of EPF contributions and bank savings, vehicles, real estate and insurance benefits.Deputy head in the Syariah advisory division of the Attorney-General’s Chambers, Mahamad Naser Disa, said the “loose” and inconsistent Syariah laws relating to inheritance of wakaf (religious or public endowment), ar-rahnu (mortgage) property and hibah (awards), coupled with the constraints of existing laws, complicate the process of managing inherited properties.
In Malaysia, estate administration laws used by Muslims are the Probate and Administration Act 1959 and Small Estate (Distribution) Act 1955. The practice of “hibah” involved gifts to either people in need or those who are well-to-do. The awarding of gifts, including for charity, is commended as it helps to improve the lot of the community. In “ar-rahnu”, a valuable item is collateralised (or pawned) to a debt which may be utilised as payment should the debt not be repaid within the agreed period.
Agencies like Amanah Raya Berhad (ARB), Amanah Hibah and Warisan Mukmin provide professional services in inheritance management and administration. Mahamad Naser said the absence of specific laws in states on estate management transactions by Muslims made it harder for Syariah judges to hear cases.
“This can result in different judgments being delivered for similar cases as the judges may be referring to different ulamas (religious scholars) and kitabs (religious books),” he said.
Mahamad Naser said: “The aspect of managing and administrating the estate of Muslims, living or dead, is rather poor. “The RM40bil figure, released by ARB as recently as mid-2009, is alarming,” he said in a paper presented recently at a convention on the planning and management of assets in Islam at the Universiti Kebangsaan Malaysia here.
Mahamad Naser said the problem was also due to indifference and lack of awareness among the Muslims themselves on how to manage their properties.
The unclaimed assets, such as the EPF and bank savings, vehicles, properties and insurance benefits, may be frozen if the heirs continue to tussle over the ineritance. Should this happen, it could have a grave impact on the country’s economic development as they would not be used in any productive manner, said Mahamad Naser.
He said the Muslim community appears to be confused over the different roles and functions of agencies like the state Islamic councils, the Syariah courts, land office (minor inheritance unit), civil High Courts and ARB.
“For example, when a Muslim dies, the deceased’s beneficiaries would not know where to go for the distribution of the estate, whether it is the Syariah court, the land office or the ARB,” he said.
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