Question that is often asked in the context of the role of zakat and indeed, of all forms of charity and philanthropy in poverty alleviati on is: Aren’t we making the poor dependent on charity? Aren’t we discouraging the poor from doing hard work and becoming economically active and productive if we continue to dole out cash period after period? Some organizations seek to curb dependence by maintaining a central database of the mustahiq or zakat recipients and monitoring if they are repeatedly approached by the same individuals and families for assistance year after year. For example, the Islamic Religious Council of Singapore (MajlisUgama Islam Singapura) or MUIS which maintains a central baitulmal under the law has opted for this mechanism to address the problem of con- tinued dependence. Ebook retno pangestuti perkembangan psikologi anak indonesia. Some organizations however, prefer to tackle the problem through pro grams and projects that in volve “hand-hold ing” of the poor zakat beneficiary (mustahiq) and help transform his/her life within a finite time period, to the extent that he/she turns into a zakat giver (muzakii). I hope to present in a series of posts highlighting a few successful programs that aim at 'M2M transformation with a clear time frame'.

In the first such story, let me share with you about the transformation program launched by an Indonesian or- ganization BaitulmalMuamalat. A sister concern of a leading Islamic bank, the Bank Muamalat Indonesia (BMI), the BaitulmalMuamalat has been seeking a transformation of the lives of the poor through zakat and other charity funds. Called KUM3 program, it seeks to transform the mustahiq into muzakki in a span of three years by turning him/her into a micro entrepreneur. The program has some interesting features. While the KUM3 program seeks economic empowerment of the poor, it also stresses on activities to build faith and piety among them. The local masjid and the imam play a major role in organizing “spiritual treat- ment” sessions that inculcate in them a sense of self-respect and dignity underlining the need to come out of poverty through h alal livelihoods. The poor who are willi ng to participate in the p rogram regularly meet at the masjid after the daily prayers.

The majority of Chamkila's songs were about extra-marital or other taboo relationships. The Music The appeal of Chamkila's music prominently lay in both the content of his lyrics and the delivery of those lyrics. A gang of unknown youths shot several rounds fatally wounding the couple and other members of the entourage. Chamkila was lying in the hay stack near the well with shots fire on his chest. Dj song mp3 download. The driver got away and ran for his life and saw the police coming towards him in a jeep, Chamkila's driver told the police commissioner what had happened as they got near the community well in mehsopur where Chamkila was supposed to perform the disguised youths fled and the people of the village who had come to attend the akhara bravely chased them, but they got away, the gun fire could be heard in the neighboring village of Darapuralso.

Support for identifying and undertaking income-generating activities are continuously provided by local volunteers who are often students or employees of BMI residing in the local- ity. Tiny interest-free loans in the form of qardulhasan are provided to the these prospective micro-entrepre- neurs. This constitutes Phase I of the program. In this phase, the objective is to transform the poorest of the poor from potentially passive to potentiall y active entrepreneu rs. Every effort is made at this stage to pr oac- tively guide them on site. As these entrepreneurs diligently repay their rolling qarḍal-ḥ asan (the quantum is increased every time the earlier loan is repaid and the process is repeated several times over a two-three year period) and their micro- enterprises enter the “feasibility” domain, they are organized into Islamic financial cooperatives or Baitul Mal watTamweels (BMTs). The BMTs are member-based cooperatives where each micro-entrepreneur is a member.