STEI SEBI again held the BERKAH Muslim Household School (SERUM) in welcoming Ramadan 1442 H. The agenda which is routinely carried out by STEI SEBI every year is held on 8 and 10 April 2021. There are two themes raised in the SERUM BERKAH agenda are "Easy Way: Muslim Family Financial Management ”which was filled by Dr. Ai Nur Bayinah, SEI., MM and “Madrasah Ramadhan and Fikih Zakat” delivered by Dr. Oni Sahroni, Lc., MA and Rio Erismen Armen, Lc., MA., Ph.D.
In the two days of implementation, more than 200 participants attended and enthusiastically participated in this Online Seminar through the Zoom Meeting. This agenda was also held thanks to the collaboration between STEI SEBI and various parties such as TAIF, Yakesma, SIBERC, SEBI Social Fund, Zakat Sukses, Successful Waqf, and Biman Waqf.
In the first session, Dr. Ai Nur Bayinah said that there is a need for skills in managing household finances for a Muslim. "There are two types of ketapakan for a Muslim husband and wife to manage their assets, namely hafizun (able to maintain) and 'alimun (knowledgeable). Both husband and wife must diagnose whether they have these two characteristics in their household, so that they can manage finances wisely. Even if they are still inadequate, they can consult with external financial managers to help them manage finances, ”said Ai who is also the Executive Director of SIBERC.
Besides that, Dr. Ai Nur Bayinah also revealed that there are at least three principles in managing household finances, namely 1) the source of funds must be lawful, 2) balanced in shopping, and 3) set aside some assets to anticipate future risks. In setting aside these assets, there are several posts that can be channeled, such as for alms, emergency funds, insurance and investment.
In the second session, Rio Erismen Armen, Ph.D said that in general there are two types of zakat, namely 1) zakat fitrah which is paid once a year in the month of Ramadan which is mandatory for every Muslim, and 2) zakat mal paid if a Muslim already has excess assets. and has the nisab and haul. He also said that zakat is one of the financial instruments in Islam that a Muslim must fulfill. "Allah encourages us to pay this Zakat Mal and there is a threat to people who refuse to pay this zakat", said Rio who is also the Chair of the STEI SEBI Sharia Economic Law Study Program (HES).
Furthermore, Rio Erismen also said that there are several differences between classical zakat and contemporary zakat. For example in classical zakat, the objects that are subject to zakat are only about gold, silver, trade property, agriculture, mining goods, and livestock. However, in contemporary zakat, other zakat objects are developing, such as income zakat, savings, rent, gifts and company zakat.
As the final speaker, Dr. Oni Sahroni said there are eight ashnaf (groups) who are entitled to receive zakat, but the distribution does not have to be divided equally among the eight ashnaf. "In the distribution of zakat, we can see who currently has the most right to receive it, so that group has the right to receive the largest portion of zakat. For example, currently the poor (needy and poor) can be the most priority group in receiving zakat, "said Dr. Oni Sahroni who is also a member of the DSN-MUI.
He also added that in the context of contemporary zakat, several other types of zakat have developed such as zakat on company shares, zakat for influencers (youtubers) and celebrities, zakat for online motorcycle taxi drivers, and so on. Zakat is taken from net income excluding debt and primary family needs. He also mentioned that every Muslim should be able to record his income because this is also Allah's guidance in the Koran to make it easier for him to calculate and estimate how much zakat he can spend.