The role of developing and institutionalization of Qardul Hasan in poverty alleviation in Afghanistan

Abstract

Qardul Hasan is an important tradition of benevolent loans in Islamic Sharia. Allah and his messenger Mohammad insist upon giving Qardul Hasan in the Quran and Sunna. In the past few years, some Islamic countries worked hard and used Qardul Hasan based on the principle of benefits to empower the community and the borrower will not need again to borrow money for the second time from someone else. However, it is still Tabarru’ as the Islamic Sharia considered. To use Qardul Hasan for community empowerment, it is needed to be managed and institutionalized. In Afghanistan, Qardul Hasan is still used classically and it has not been used in the principle of benefits for the development and empowerment of the society. Therefore, this article wants by conducting qualitative research, which first examines Qardul Hasan from the point of view of Islamic Sharia, and then for the practice of the theory some institutions from two leading countries, Indonesia and Malaysia, have been studied to propose a new model of Qardul Hasan for using it based on the principle of benefits to empower and alleviate poverty in Afghan Society.